vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Subject : Dispute of Unauthorized Credit Charge off account Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized charge off account that appear on my credit report. I did not authorize these charge off account and I am requesting that they be removed immediately. 

REMOVE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these companies to access my credit information, and as such, these charge off account are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized accounts and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized charge off account highlighted for your reference. Please notify me in writing once the accounts have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Subject : Dispute of Unauthorized Credit Charge off account Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized charge off account that appear on my credit report. I did not authorize these charge off account and I am requesting that they be removed immediately. 

REMOVE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these companies to access my credit information, and as such, these charge off account are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized accounts and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized charge off account highlighted for your reference. Please notify me in writing once the accounts have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-10-24 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I reported to Target that my store card was lost and requested a new one. 
I believe I reported this in XX/XX/year>. I received the new one and attempted to activate it, but the company refused without a clear explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: LA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
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 explanation
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
Request for Investigation of Identity Theft and Data Breach. I learned that my personal information was compromised during a data breach on XX/XX/year> at Equifax, and XXXX XXXX XXXX base, cybersecurity attack infecting nearly 3 billion people personal information as well as social security numbers. I am writing to formally dispute inaccuracies on my credit report due to identity theft and a recent data breach that has affected my personal information. I discovered that unauthorized accounts have been opened in my name, which I believe are a result of this breach. I did not provide written or oral permission/ instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

The identified accounts are not information related to any transaction by me as the consumer. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: TN

Complaint narrative:
Ive found unauthorized hard inquiries on my credit report that violate 15 USC 1681c-2. Please ensure these inquiries are removed. Thank you!

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-10-24 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: TN

Complaint narrative:
My credit report includes incorrect inquiries linked to 15 USC 1681c-2. I request that all hard inquiries I didnt authorize be removed immediately. Thank you!

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 2024-10-24 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: GA

Complaint narrative:
They informed me I was removed per request from me and primary card holder. I'm still on as an authorized user, I never approved anyone to add me as an authorized user. Original Contact was XX/XX/year> at XXXX. Called today it is still on my report. I have contacted them now twice please CEASE reporting this information especially on my credit reprot. 

Account in question : AMEX account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-24 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: NY

Complaint narrative:
**Update to previously submitted report, I mistakenly put the wrong company. I meant to complain about the CREDIT REPORTING AGENCY & the place where there is a Fraud that took place. *** I recently started to check my Credit reports after a long while of not doing it. I discovered that there was an account on my Credit Report that isn't mine. I think I may have been a victim of false identity and decided to file an ID Theft Report. This is the 2nd time I have filed an ID Theft Report which has went no where and there is no number listed to call them. The Company name where the false account is XXXX XXXX and the amount is for {$21000.00} which was opened up back in 2021. I have reached out to all XXXX credit Bureaus to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
Continuation of claim # XXXX, listed as closed. 

American Express refuses to return funds stolen from my bank account, presumably by American Express employees.

American Express continues to disregard concerns, and refuses to address missing funds. 

A

merican Express representatives refuse to speak with me regarding the theft and fraud perpetrated upon my account by American Express employees.

American Express refuses to to participate in the recovery of my funds beyond admitting they stole them and applied to another members account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, my Wells Fargo online banking account was hacked by an unknown individual. This individual accessed my Wells Fargo portal and was able to process a cash advance of {$1200.00} from my Wells Fargo issued credit card to my Wells Fargo checkings account. A {$60.00} fee was charged as a result of that. 

Subsequently, 2 payments of {$100.00} each were sent out via XXXX from my Wells Fargo checking to unknown individuals without my authorization. A third payment of {$500.00} was processed but blocked by Wells Fargos fraud detection team. I was then notified of the fraudulent activities the next business day. 

A police report was filed with my local law enforcement agency - XXXX XXXX XXXX XXXX regarding the matter and a claim was opened with Wells Fargo to recover the lost funds on XX/XX/year>. 

I was told by Wells Fargos representatives that I would hear back after the investigation is completed on XX/XX/year> and a letter would be sent to me via email and posted to my secure Wells Fargo messaging center. I was also assured to not pay off the credit card balance of {$1200.00} as that was a result of fraud. 

On XX/XX/year>, I decided to call the Wells Fargo claims department as I have not heard back and was told that my claim was denied. It was determined that the activity was not a result of fraud and no further action will be taken. Case was marked closed without the ability to appeal or reopen. The claims investigator has not once contacted me to verify the legitimacy of my claim or tried to understand the situation. Ive requested a detailed claims file from Wells Fargo and was told that was sent to me but nothing has been received. 

This issue is extremely concerning for me as Wells Fargo has shown that it does not take its customers protection claims seriously. If a thorough investigation was launched, it wouldve been found that this was a result of fraud. I request help from the CFPB out of desperation and do not have any other avenues for financial recourse.

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 2024-10-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I contacted midland Credit Management on XX/XX/XXXX After receiving a letter of writ of Garnishment a default judgement from the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) against my wages from XXXX XXXX in XXXX XXXX XXXX. I contacted them again XX/XX/XXXX to attempt to mediate and settle the FRADULENT Debt and informed them if they continued the Garnish and attempt to collect the fraudulent debt I would be taking Legal Action against them. I am looking for Compensation for Damages & an IMMEDIATE END to the Garnishment. 

The original creditor was XXXX XXXX XXXX  on a XXXXXXXX XXXX XXXX for XXXX $ which i NEVER used and asked them to close. They have been trying to collect a balance since and I have repeatedly told them and midland credit management that this debt was fraudulent. I made contacted with numerous employees who boasted about their " WIN '' on a default judgement and that they did not have to PROVE anything. that if I could prove the debt was fraudulent they'd stop the judgement. Their corrupt and deceptive trade practices needs to dealt with immediately. I reached out to the XXXX Attorney Generals Office and have consulted several lawyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: NY

Complaint narrative:
**Update to previously submitted report, I mistakenly put the wrong company. I meant to complain about the CREDIT REPORTING AGENCY & the place where there is a Fraud that took place. *** I recently started to check my Credit reports after a long while of not doing it. I discovered that there was an account on my Credit Report that isn't mine. I think I may have been a victim of false identity and decided to file an ID Theft Report. This is the 2nd time I have filed an ID Theft Report which has went no where and there is no number listed to call them. The Company name where the false account is XXXX XXXX and the amount is for {$21000.00} which was opened up back in 2021. I have reached out to all 3 credit Bureaus to no avail.

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 2024-10-24 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: NY

Complaint narrative:
**Update to previously submitted report, I mistakenly put the wrong company. I meant to complain about the CREDIT REPORTING AGENCY & the place where there is a Fraud that took place. *** I recently started to check my Credit reports after a long while of not doing it. I discovered that there was an account on my Credit Report that isn't mine. I think I may have been a victim of false identity and decided to file an ID Theft Report. This is the 2nd time I have filed an ID Theft Report which has went no where and there is no number listed to call them. The Company name where the false account is XXXX XXXX and the amount is for {$21000.00} which was opened up back in 2021. I have reached out to all 3 credit Bureaus to no avail.

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 2024-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
On XX/XX/XXXX I started researching consolidation loans and was offered an option through sofi of a 7 year term with a 12.34 % APR on {$35000.00} after inputting all of my information. 

I hesitated for a brief period with this loan as it's a very large amount but proceeded with my application on XX/XX/XXXX and authorized my credit pull late in the evening with a change to my rate showing at 12.61 % APR. 

Today, on XX/XX/XXXX after less than 12 hours later the sent me a new offer of 15.95 % APR. I still have not received any disclosures or any information throughout the loan process. 

I called them to ask why there was a difference and they couldn't provide me with any information. I then asked to speak with a manager. The manager came on the phone and they stated that my credit had come down XXXX points. I asked where their ranges fell for credit tiers and what I needed to be at for the previous rate and what factors had justified such a large increase and they refused to discuss this with me. She said she has told me all she can tell me at this time. I told them it seemed suspicious that it would increase such a large amount and them not be able to provide me with any information as to why. The only option I have on their website is to proceed with new offer. 

I can understand if I do not qualify for the rate originally offered however I have excellent credit and excellent credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
My family have been experiencing hardship this past year. I have previously applied for credit protection for this reason. I have been able to access my credit protection as the credit card company continues to charge me late payments and fails to communicate with me to resolve this issue. I reached out several times and spoke to a few people resulting in no resolution. I have submitted proof of acceptance into a work-search program months ago for which I am still in the program. I also stopped receiving unemployment benefits in XXXX. I emailed proof of last payment by sending my personal account information displaying the last payment date. They have not responded. This has been going on too long and they seem to be intentionally destroying my credit with bad business practices.

Company response to consumer: Closed with explanation