vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 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: CO

Complaint narrative:
To Whom It May Concern, I am writing to lodge a formal complaint against XXXX and Experian for their continued negligence and failure to remove fraudulent addresses associated with my credit profile despite my repeated requests. This oversight has caused significant discrepancies in my credit report and has raised concerns over potential identity theft and financial fraud. 

Details of the Complaint : The addresses listed below have been falsely associated with my credit profile, and I have no connection to these locations. Despite multiple communications and formal requests to both XXXX and Experian to correct these errors, the addresses remain on my credit reports, which misrepresents my financial history and personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses have been erroneously linked to my personal credit report, and their inclusion suggests a breach of my personal information and a significant lapse in data accuracy standards required by federal law, specifically the Fair Credit Reporting Act ( FCRA ). 

Fair Credit Reporting Act Violations : Under the FCRA, I am entitled to have accurate and verified information on my credit report ( 15 U.S.C. 1681e ). Both XXXX and Experian have failed to comply with these provisions by not adequately investigating my disputes and by continuing to report inaccurate consumer information. 

Request for Action : I hereby urge the Consumer Financial Protection Bureau to intervene on my behalf to : Ensure the immediate removal of these fraudulent addresses from my credit profiles maintained by XXXX and Experian. 
Conduct a thorough investigation into the practices of these credit reporting agencies to prevent recurrence of such issues. 
Consider appropriate penalties or corrective actions against XXXX and Experian for their failure to adhere to the FCRA requirements. 
The persistence of these inaccuracies in my credit report is not only a direct infringement of the FCRA but also poses significant risks to my financial stability and personal security. It is imperative that this issue be resolved promptly and effectively.

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 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
On XX/XX/year>, approximately {$26000.00} was fraudulently taken from my business account. Despite this, the bank has not made any efforts to credit my account for the loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: GA

Complaint narrative:
Upon reviewing my TransUnion and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I asked them several times last year to close the account. I even filed two complaints against them with CFPB then. I am now getting statements for the account again. It is open and lists a credit limit of {$8700.00}. I wanted the account closed because CITI Cards is a criminal organization, having stolen XXXX  of dollars from me by failing to uphold their duty to protect me from fraud. Leaving the account open subjects me to the danger of further fraudulent activity on my account, which clearly they would not protect me from. Please convince these criminals to close the 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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MN

Complaint narrative:
According to my credit report I have student loans on my credit report and the amounts are inaccurate. Im not anywhere near over {$60000.00} in debt and I want this issue taken care of. I would like to resolve this issue by removing the inquiry from my credit report well inaccurate debt and account balance from student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: IL

Complaint narrative:
I've identified fraudulent inquiries 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 2024-04-30 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, 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 2024-04-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, 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 2024-04-30 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: T.S. Holdings
State: IL

Complaint narrative:
My XXXX credit report is showing a collection to IQ Date International Inc. I have never entered any contract with this company or shared any personal information. The original creditor was paid in full. I owe no debit to the said third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: IL

Complaint narrative:
I am writing to formally dispute unauthorized inquiries that are currently appearing on my credit report. Upon reviewing my credit report, I have identified inquiries that I did not authorize or recognize. 

I would like to emphasize that I did not authorize or initiate any credit applications or transactions with the entities associated with these inquiries. Therefore, I believe these inquiries are unauthorized and should be removed from my credit report immediately.

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 2024-04-30 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: GA

Complaint narrative:
Multiple hard inquires on my credit that are unauthorized and unknown. I put a fraud alert on my account. Reached out to credit bureaus to remove this information.

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 2024-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Recovery Services, Inc.
State: FL

Complaint narrative:
I have sent this company a cease and desist. The company has refused to adhere to the federal guidelines by ignoring my request in my attempts well over two years to resolve this matter the company has been found to impose as a collection agencies when it is listed that this company is not legally blinded and or insured to collect in florida. Please have this company cease and desist all activities and this is my last attempt to complain outside of the court of equity. I do not know who this company is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe that I received proper notification, please provide the certified mail letter with the return receipt with my signature on it proving I received it. If you can not provide this information then you are in violation of the fair debt collections act and must remove this charge off/collection from my account immediately.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe that I received proper notification, please provide the certified mail letter with the return receipt with my signature on it proving I received it. If you can not provide this information then you are in violation of the fair debt collections act and must remove this charge off/collection from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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.
State: NJ

Complaint narrative:
I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe that I received proper notification, please provide the certified mail letter with the return receipt with my signature on it proving I received it. If you can not provide this information then you are in violation of the fair debt collections act and must remove this charge off/collection from my account immediately.

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 2024-04-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I viewed my credit report and noticed that there are incorrect accounts.

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 2024-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BSI Financial Holdings, Inc.
State: VA

Complaint narrative:
Was in bankruptcy. Trustee XXXX XXXX XXXX. XXXX XXXX XXXX 's in XXXX XXXX Was confused why the loan was transferred to BSI financial svcs. They want the loan paid ASAP. I told them I will try to sell. They want to talk to me now, but I'm not comfortable and don't trust them. I think I may be scammed. I read some of the comments about BSI financial svcs. Especially about the ones during Covid 19. Need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I examined my credit report and observed inaccuracies in the listed accounts.

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 2024-04-30 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:
Subject : Request for Deletion of Incorrect Personal Information - 15 USC 1681s-2 Dear Experian Credit Team : I am writing to dispute the accuracy of personal information contained in my credit report, which I believe to be incorrect. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681s-2, I request that you delete the inaccurate personal information from my credit report. 

Upon reviewing my credit report, I discovered the following inaccuracies in my personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccuracies are detrimental to my ability to access credit and may result in incorrect reporting to potential lenders. Therefore, I request that you promptly delete the incorrect personal information from my credit report. 

The FCRA mandates that credit reporting agencies maintain accurate and up-to-date information in consumer credit reports. As such, I trust that you will take immediate action to correct this error and ensure the integrity of my credit report. 

Please provide me with written confirmation once the inaccurate personal information has been deleted from my credit report, as well as any additional steps taken to rectify this matter. 

Thank you for your prompt attention to this issue. I look forward to a swift resolution. 

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 2024-04-30 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: OH

Complaint narrative:
I am writing to formally dispute unauthorized inquiries that are currently appearing on my credit report. Upon reviewing my credit report, I have identified inquiries that I did not authorize or recognize. 

I would like to emphasize that I did not authorize or initiate any credit applications or transactions with the entities associated with these inquiries. Therefore, I believe these inquiries are unauthorized and should be removed from my credit report immediately.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2024-04-30 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: MD

Complaint narrative:
I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2024-04-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 explanation
Consumer complaint received 2024-04-30 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:
I noticed unauthorized credit inquiries on my 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 explanation
Consumer complaint received 2024-04-30 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: MD

Complaint narrative:
I noticed unauthorized credit inquiries on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023, Chase Bank closed my accounts, which included both my college accounts and a joint account with my boyfriend. At the time of closure, the total remaining balance across these accounts was {$17000.00}. However, as of today, 157 days after the account closures, I have only received a partial refund of {$3500.00}. Despite numerous inquiries, Chase has not provided a clear reason for the closure or the prolonged withholding of the funds. The only response I have consistently received is that they are " investigating '' the situation. 

This delay and lack of communication are concerning, especially since I have not engaged in any activities that would breach the terms of the account or justify such an investigation. The prolonged investigation and the bank 's failure to provide updates or reasons for the hold on my funds lead me to suspect that the bank might be using my funds for purposes other than a simple investigation. I have made numerous attempts to contact the bank for updates, only to be told repeatedly to wait. 

I am seeking an immediate explanation for the account closures, a detailed update on the ongoing investigation, and the prompt return of the remaining balance of {$14000.00}.

Company response to consumer: Closed with explanation