vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: VA

Complaint narrative:
There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Delete this account. 


3. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am writing to dispute a late payment listed on my credit report, which I believe is inaccurate and incomplete. The payment in question was made on XX/XX/year> for Amex but was reported as late. 

Under the Fair Credit Reporting Act ( 15 USC 6801 ), credit reporting agencies are required to ensure the accuracy and completeness of consumer credit information. I believe this requirement has not been met in my case, as the payment was made on time and in full. 

I request that you investigate this matter and correct my credit report to reflect the accurate payment history. Please provide written confirmation of the correction within 30 days. 

If you need additional information or documentation, please let me know. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently opened a new account with checks disbursed from an estate account. I was a new customer and never had an account with this bank. I knew there would be a hold to clear the checks. That is where the nightmare began around day XXXX or XXXX I was getting notification that account would be closed if more information wasn't provided. I called in and they were stating they needed to call the personal representative and verify the checks. After multiple attempts the XXXX informed me the got the information the needed and would release the funds. On day XXXX of the hold the funds were made available. A week later I received a notification that my account balance was low, I was confused because I had never used it. I logged on to my account only to find my accounts and money were gone. I went into shock thinking the worst only come to find out after calling in that they said they were not able to verify the funds. Chase never reached out to me or notified me. I had to find out when I logged into my account after receiving a text notification. I provided legal court documents to the Chase legal department showing confirming the personal representative and the estate and they still said they needed to talk to the personal representative. They finally were able to speak to the PR and she verified that the checks were good and the amounts but Chase wanted more info and PR would not disclose personal information. So Chase after receiving verification that the checks were good but since the PR would not disclose SS # Chase still is withholding my money. How can a major financial institution release the funds and a week later take it all back without letting me know. My lawyers have called verifying everything and still Chase does nothing to resolve this. All my years I have had banked with a lot of banks and without a doubt this has been the worst treatment and experience I have ever had. They will not give my checks back so that I can go to another bank. What ever I do they continue to give me the run around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I opened a new credit card with Chase ( account ending in XXXX ) in XXXX and got charged a interest fee of {$110.00} on XXXX. 

I did set up auto-pay and I have been a really good customer with chase for years and I never had a late payment. 

Asking this fee to be credited please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I would like Navy Federal to stop sharing my nonpublic personal information with nonaffiliated third parties, including the consumer reporting agencies : XXXX, XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I would like Wells Fargo to stop sharing my nonpublic personal information with non affiliated third parties including the consumer reporting agencies : XXXX, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain credit-bit is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain credit-bit is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint is in regards to the consumer report belonging to XXXX XXXX XXXX XXXX. I recently within the last XXXX months disputed and account from XXXX XXXX XXXX. This account was directly related to identity theft and the account was removed as it should have. I am grateful it was removed in a timely manner however the address that is attached to that account still shows as an mailable address on my consumer report. This is inaccurate as I have never lived at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. This address was in connection to a XXXX property that was illegally obtained in my name without my authorization. As stated earlier in this complaint the fraudulent account which this address originated from has already been removed from XXXX XXXX XXXX XXXX consumer report however the fraudulent address still remains. I demand that this address be removed due to the fact it is inaccurate as I have never lived at this address and due to the fact that it originated from an account that was removed due to identity theft. Furthermore this address is not a mailable address I can not receive mail at this address. This address must be removed I have attached my social and ID along with a utility bill from my most recent address as well as the orginal identity theft report I submitted with original dispute of the fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc.
State: VA

Complaint narrative:
I looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : AVANT/WEBB - Account number : XXXX. Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NM

Complaint narrative:
I have been contacted by this firm by phone at XXXX of my phone numbers ( XXXX ) XXXX on the following dates in 2024 : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX. 

The robocall system uses a different caller ID number each time, and leaves a voicemail message from " XXXX XXXX '' requesting a callback to ( XXXX ) XXXX. I have called Aldous & Associates approximately 10 times between XX/XX/XXXX2024 and XX/XX/XXXX2024 regarding this, and each time, they tell me that they do not have my name or any of my phone numbers in their system. This indicates that the contact information their robocalling system is using is incorrect. 

Approximately 6 times I have been transferred to a " supervisor '' who can not or will not try to get my phone number out of their robocalling system. Approximately 4 times I have requested to be connected to XXXX XXXX, the CEO of the company, to discuss this. In each case, I am told that this is not possible. I have asked for the phone number of XXXX XXXX several times but I am told that they will not provide that. I emailed XXXX XXXX, the CEO of the company, on XX/XX/XXXX2024 at XXXX requesting that the company cease the harassing phone calls. I received no response. I mailed a letter via U.S. Mail around XX/XX/XXXX2024 with the same request, but the phone calls continue to this day. 

I would like to request assistance from the CFPB in resolving this, as my attempts to do so with the firm itself continue to be unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My relative used Venmo to send funds to me for an item I sold to them. I have never used Venmo prior to the sale, so I created a new account using my nickname Ive used for the majority of my life. The moment I tried to transfer my money into my bank account, Venmo froze my account saying I had to verify. I provided valid ID and SSN to them and received a response saying there was a name discrepancy. I realized that my nickname was the problem and promptly provided my legal name, but it wasnt good enough for Venmo, so they decided to freeze my account indefinitely and froze every single cent in my account. I tried contacting them regarding this issue, only to be ignored and told I had to wait 180 days. This is extremely frustrating and unreasonable especially since I provided all necessary documentation and proof of my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The economy is bad and so is my credit report, but after thoroughly looking at my credit report it is clear which is way worse all I see are erroneous information which is causing me overwhelming stress and frustration. Never knew that upholding your rights as a consumer is this XXXX that I have to go through all this suffering, I wouldn't even be able to buy the necessary things to set my life back on track due to my low credit score because of all the incorrect information reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief