vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that the XXXX, TransUnion and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of suspected identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts on my credit reports that need to be deleted immediately. 
XXXX : XXXX  ACCOUNT # : XXXX OPENED XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/XXXX HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX OPENED XX/XX/XXXX HARD INQUIRIES : XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX TRANSUNION XXXX / XXXX XXXX TRANSUNION XXXX XXXX TRANSUNION XXXX TRANSUNION XXXX XXXX XXXX via TRANSUNION XXXX IN XXXX XXXX  XXXX XXXX via TRANSUNION XXXXXXXX XXXX XXXXXXXX via XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit reports. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that the Experian, TransUnion and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of suspected identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts on my credit reports that need to be deleted immediately. 
XXXX : XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/XXXX HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED 06/17/2024 these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit reports. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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
Consumer complaint received 2024-10-29 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: MO

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Received seven phone calls from different phone numbers/different locations claiming to be Chase Bank representative trying to verify if i had applied for a Chase credit card.

I denied and the representative attempted to connect me to a Consumer Protection advocate. I disconnected but they continue to call. 
The numbers they used were as follows : XXXX Texas ( Claimed Texas ) XXXX Georgia XXXX Delaware ( Claimed Texas ) XXXX XXXX XXXX, Texas XXXX XXXX, Ohio XXXX Michigan XXXX XXXX, Missouri Hope this information is helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: HI

Complaint narrative:
Section 605B of the Fair Credit Reporting Act ( FCRA ) allows consumers to block fraudulent information from their credit reports when they are victims of identity theft. Heres a quick overview of how it works : Identity Theft Report : If someone is a victim of identity theft, they can file an identity theft report, typically through the FTC 's website or a police department. This report provides evidence to the credit bureaus. 

Request to Block Information : With the identity theft report in hand, the consumer can then request that the credit bureaus block specific fraudulent information from their credit report. This information may include accounts opened fraudulently, unauthorized charges, or other erroneous data resulting from identity theft.

Credit Bureau Obligations : Once a credit bureau receives this request and a valid identity theft report, it is required to block the fraudulent information within four business days. This ensures that the fraudulent account or data does not impact the consumer 's credit score. 

Limitations : Credit bureaus can refuse or rescind a block under certain circumstances, such as if the identity theft claim is fraudulent or if additional verification indicates the information is accurate. 

By filing under Section 605B, consumers can protect their credit scores and financial records from the long-term effects of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: HI

Complaint narrative:
Section 605B of the Fair Credit Reporting Act ( FCRA ) allows consumers to block fraudulent information from their credit reports when they are victims of identity theft. Heres a quick overview of how it works : Identity Theft Report : If someone is a victim of identity theft, they can file an identity theft report, typically through the FTC 's website or a police department. This report provides evidence to the credit bureaus.

Request to Block Information : With the identity theft report in hand, the consumer can then request that the credit bureaus block specific fraudulent information from their credit report. This information may include accounts opened fraudulently, unauthorized charges, or other erroneous data resulting from identity theft.

Credit Bureau Obligations : Once a credit bureau receives this request and a valid identity theft report, it is required to block the fraudulent information within four business days. This ensures that the fraudulent account or data does not impact the consumer 's credit score.

Limitations : Credit bureaus can refuse or rescind a block under certain circumstances, such as if the identity theft claim is fraudulent or if additional verification indicates the information is accurate.

By filing under Section 605B, consumers can protect their credit scores and financial records from the long-term effects of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 

3. Contact Information : My main contact number is : XXXX XXXX XXXX. I would like this number to be updated. 

4. Date of Birth : XX/XX/year> : ( XX/XX/year> ) 5. Employer : 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 explanation
Consumer complaint received 2024-10-29 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: GA

Complaint narrative:
Dear CFPB Representative, I am writing to dispute the recent verification regarding an account listed under XXXX XXXX XXXX. My initial request for validation was not fulfilled, as only a verification was provided without any supporting documentation to confirm this debt is legitimately mine. Since I am a XXXX, and to avoid potential confusion or misattribution, I demand complete validation in compliance with the Fair Credit Reporting Act ( FCRA ). 

Below are the details of the disputed account : Account Information : XXXX XXXX XXXX Account Number : XXXX ( XXXX, Equifax ) Account Status : Collection/Charge-off Date Opened : XX/XX/XXXX Balance : {$650.00} High Credit : {$650.00} Payment Status : Collection/Charge-off ( 120 Days Late ) Last Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Comments : Account disputed by consumer reported by subscriber. 
Account seriously past due/assigned to attorney, collection agency, or internal collection. 
Consumer disputes this account information. 
Requested Validation : I request the following documentation : A copy of the original contract or agreement that establishes my obligation to this debt. 
Documentation that proves XXXX XXXX XXXX has the legal right to collect on this account. 
A detailed payment history, including evidence of the last payment made. 
If you or the creditor can not produce this information, I expect this account to be immediately removed from my credit reports. Furthermore, I demand all collections activity cease until proper validation is provided. 

Personal Information : Name : XXXX XXXX XXXX XXXX. 
Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX Failure to respond adequately within 30 days will result in further action, including filing additional disputes and complaints. I look forward to your prompt resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: CA

Complaint narrative:
My ex girlfriend used my information to open accounts without my consent and i am just now finding out. She opened credit cards and a XXXX account. Now everything is in collections and my credit is ruined

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 2024-10-29 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: CA

Complaint narrative:
My ex girlfriend used my information to open accounts without my consent and i am just now finding out. She opened credit cards and a XXXX account. Now everything is in collections and my credit is ruined

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: Cascade CISS Holdings, LLC
State: GA

Complaint narrative:
I reached out to the companys on my report that included a contact phone number on XX/XX/XXXX to investigate unauthorized inquiries. The companys course of action was to contact credit bureaus for removal of the inquires. This has been an endless cycle for me for weeks. These are unauthorized inquires, and according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: CO

Complaint narrative:
At XXXX MST on XX/XX/XXXX I recieved a text message from TekCollect stating that I have a debt that is due from XXXX XXXX XXXX XXXX XXXX  XXXX. The text reads ; " Lets settle your XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX for 60 %. Pay : XXXX or XXXX Reply Help for info XXXX or STOP to end ''. 

When I tried to contact XXXX XXXX XXXX XXXX XXXX XXXX I determinied that they are out of buisness and there is no way of speaking with them directly. 

When I called TekCollect at the number above they stated that the date of service was for XX/XX/XXXX and that I owed ~ {$150.00}. 

I then called my dental insurance XXXX XXXX who confiremed with me that nobody in my family ( my son and I ) had seen a dentist in XXXX according to their records. I do not see any dentists which are out of network, and XXXX XXXX XXXX  was an in-network provider therefore all claims would necessarly go through them. This matches my memory because I was sick with XXXX in XXXX, and by the XXXX of XXXX in XXXX there were no dental offices open in my area due to the lockdown. 

To be clear, I did not see a dentist in XX/XX/XXXX and the last time I went to XXXX XXXX XXXX XXXX XXXX  XXXX was in XXXX as is confirmed by my insurance carrier. I stopped going to this particular dentist because of their billing practices and because I have delt with this exact issue before. 

To be clear - there is absolutely no way that I owe XXXX XXXX XXXX any money. 

When I called TekCollect and spoke to an XXXX - I requested a detailed billing statement, and any and all explanation of benefits from my insurance. XXXX said that they have previously mailed those detials. Which is false, I have not recieved any mailings from them what-so-ever. 

After several minutes of arguing TekCollect provided the following XXXX XXXX to contact them : XXXX XXXX XXXX XXXX Ohio XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Whenever I try to dispute information over the phone the guy says that, I can not place a dispute over the phone without a report number. I then ask him how do I get a report number, he says I can request a report by mail within 7-10 business days. I request a report by mail 7-10 business days have past, I received no report. I call again the guy tells me the same thing I have to request a report and wait 7-10 business days. Same thing over and over again, all for a simple incorrect address dispute. I find this policy to make ridiculously harder than it needs to be to dispute inaccurate information on my consumer report. Its has been over 30 days, guy who I speak to says there was no report requested even though it is the same guy who I requested the report from over 10 days ago. Its complete non-sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I noticed an inquiry on my report that I do not recognize. Please send me all info you have regarding this pull, including the reasoning for why my credit was pulled. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: AR

Complaint narrative:
I was viewing my credit report and noticed a few accounts and inquiries that I did not notice or recognize. These items are fraudulent and inaccurate and is affecting my ability to obtain credit. These the inquires has no permisable purpose and should be removed immediately. 
Account : XXXX XXXX, XXXX XX/XX/XXXX ; Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, EQUIFAX MORTGAGE SER XX/XX/XXXX, EQUIFAX MORTGAGE SER XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I called Wells Fargo customer service in hopes to receive a little information of as to why my account was over {$60.00} negative. I let the representative know that I had received a XXXX deposit for every transaction that had been made on the account. I also let her know that I do not have overdraft on my account so the transactions would have not been allowed through had I not had the sufficient funds to cover them when I swiped my card. The representative proceeded to explain to me about the single transaction from XXXX XXXX that posted 8 days after the card was swiped. I informed her that that amount was also taken out of my account that same day it should not be posted as currently pulled. I continued to ask questions regarding why it took 8 days to post and the amount was removed from my account twice. The representative then told me that she doesnt know if Im not understanding or if I just dont like what Im hearing. As she continued to explain to me how transactions on weekends do not post rather than assisting me with understanding why my account was negative. It was very unprofessional and blatantly rude of her to speak to me the way that she did. I have now wasted over 30 minutes of my time trying to figure out why my account was negative and I got spoken to like I was no smarter than a brick wall. I am highly disappointed in Wells Fargo as an entity as well as their choice of employees.

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