vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 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:
I have recently found out that I was a victim of fraud. I have previously disputed these items, but they got reinserted on my Credit Profile. Please remove them as they are affecting me negatively. This account I just recently found out : XXXX XXXX - XXXX XX/XX/XXXX. I never had a joint account. This is not mine. You have already removed this from my report and I don't understand why this fraud got reinserted. Please remove these inquries too from my credit reports as they are fraudulent : XXXX XXXX XXXX - XXXX - XX/XX/XXXX / XXXX XXXX XXXX - XXXX - XX/XX/XXXX / XXXX XXXX XXXX - XXXX - XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: FL

Complaint narrative:
I have recently found out that I was a victim of fraud. I have previously disputed these items, but they got reinserted on my Credit Profile. Please remove them as they are affecting me negatively. This account I just recently found out : XXXX XXXX - XXXX XX/XX/XXXX. I never had a joint account. This is not mine. You have already removed this from my report and I don't understand why this fraud got reinserted. Please remove these inquries too from my credit reports as they are fraudulent : XXXX XXXX XXXX - XXXX - XX/XX/XXXX / XXXX XXXX XXXX - XXXX - XX/XX/XXXX / XXXX XXXX XXXX - XXXX - XX/XX/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 2024-10-14 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: OK

Complaint narrative:
I have used Western Union to send gift to friends and have used it when traveling. When I went to sign in was told that I had to fill out a questionnaire. I did so and was then told that I could not qualify to use there services anymore. Not sure why? I sent letter and ask for the supervisor to tell me what the problem is. Still have not gotten an answer Here is the letter that I got back. Still do not know why or what is going on : Reference number : XXXX XXXX XXXX, Thank you for your patience while we further reviewed the investigation conducted pertaining to the decision made to no longer offer services to you. Please be advised that after further review, the decision to no longer offer services to you is to remain in place. 

We understand that this not the answer you were hoping for ; please note that this decision was not made lightly and we ensured that an appropriate and complete review was done for of all available information. We cant disclose why the service was discontinued. Our decision is solely based on our commitment to maintaining a strong and compliant financial system. Please see our Terms and Conditions to learn more. 

Were sorry for the inconvenience and thank you for your understanding. 

If you have any questions or concerns, please email us at XXXX or call our corporate headquarters at ( XXXX ) XXXX ( international call charges may apply ), providing your reference number XXXX to connect with me directly. 

Sincerely XXXX XXXX. 
Executive Resolutions Team Please read our Privacy Statement to find out how we process your personal data. 

ref :! XXXX.! XXXX : ref Reference number : XXXX XXXX XXXX, Thank you for reaching out. We appreciate your business and are truly sorry for the experience you had while using our services. 

Im one of the Executive Resolutions team experts at Western Union who is handling your claim. 

Based on the information provided in your reinstatement questionnaire, weve decided to no longer offer services to you. While we understand this may not be the answer you were hoping for, weve reviewed all of the available information, and our original decision remains in place. We cant disclose why the service was discontinued. Our decision is solely based on our commitment to maintaining a strong and compliant financial system. Please see our Terms and Conditions to learn more. 

Were sorry for the inconvenience and thank you for your understanding. 

If you have any questions or concerns, please email us at XXXX or call our corporate headquarters at ( XXXX ) XXXX ( international call charges may apply ), providing your reference number XXXX to connect with me directly. 

Sincerely XXXX XXXX. 
Executive Resolutions Team

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express decided to give my credit debt to a third-party company ( XXXX XXXX XXXX XXXX XXXX. to manage due to a nondisclosed reason since the beginning of XX/XX/XXXX. I have been making payment plans with the agency to complete payments next XXXX, XXXX. American Express reported delinquencies on the three credit bureaus. I reached out to the customer service and other credit-reporting department representatives. Still, they could not find any evidence of delinquencies reported to the credit bureaus, nor could they help remove them. The delinquencies significantly affect my family 's credit, as we can not make any significant purchases now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
15 U.S. Code 1681i - Procedure in case of disputed accuracy.

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 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX. And I am filing this complaint because I have notice several inaccurate reporting accounts and inquiries on my report. I did not give authorization for these reportings for they are 100 percent inaccurate. Please remove them immediately. And no this is not a third party filing this for me.

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 2024-10-14 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am disputing the following accounts because they do not belong to me and appear to be the result of identity theft. I did not open, authorize, or use these accounts, nor did I receive any goods or services associated with them. Despite my efforts to address this with the companies involved, the accounts remain on my credit report. 

XXXX XXXX ( XXXX XXXX ) : XXXX XXXX is reporting a collection for services with XXXX that I did not authorize. I never opened an account with XXXX, nor did I receive any notice or bill. 

XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This account does not belong to me. I never initiated utility services with XXXX XXXX or any related provider. I believe my personal information was used without my consent to create this account. 

XXXX XXXX XXXX XXXX XXXX XXXX ) : This debt is incorrectly attributed to me. I never signed up for any services with XXXX XXXX. Attempts to contact XXXX XXXX XXXX for clarification have not been successful. 

XXXX XXXX : A vehicle loan account is listed under my name, but I did not apply for or finance a vehicle through XXXX XXXX. This fraudulent account is impacting my credit, and I am requesting its immediate removal. 

XXXX : I do not have, nor did I ever open, a XXXX credit card account. This account appears to be fraudulent. 

Navy Federal Credit Union : Navy Federal is reporting an account that I did not open. I have never had any financial relationship with Navy Federal, and I suspect identity theft in this case. 

XXXX XXXX XXXX XXXX XXXX XXXXs listing a credit account with late payments under my name. I did not apply for any accounts with XXXX XXXX, and I believe this is the result of identity theft. 

In addition I have never lived at this address XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Actions Taken : I placed a fraud alert on my credit reports. 
I filed a police report for identity theft. 
I submitted a dispute with the credit reporting agencies and contacted the companies involved, requesting the removal of these accounts. 
Despite my efforts, these accounts remain on my report and continue to harm my credit score.

I am seeking the Consumer Financial Protection Bureaus assistance in ensuring these fraudulent accounts are removed from my credit reports. I also request that these companies investigate and provide a response regarding the fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I am disputing the following accounts because they do not belong to me and appear to be the result of identity theft. I did not open, authorize, or use these accounts, nor did I receive any goods or services associated with them. Despite my efforts to address this with the companies involved, the accounts remain on my credit report. 

XXXX XXXX ( XXXX XXXX ) : XXXX XXXX is reporting a collection for services with XXXX that I did not authorize. I never opened an account with XXXX, nor did I receive any notice or bill. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This account does not belong to me. I never initiated utility services with XXXX XXXX or any related provider. I believe my personal information was used without my consent to create this account. 

XXXX XXXX XXXX XXXX XXXX XXXX ) : This debt is incorrectly attributed to me. I never signed up for any services with XXXX XXXX. Attempts to contact XXXX XXXX XXXX for clarification have not been successful. 

XXXX XXXX : A vehicle loan account is listed under my name, but I did not apply for or finance a vehicle through XXXX XXXX. This fraudulent account is impacting my credit, and I am requesting its immediate removal. 
Macys : I do not have, nor did I ever open, a Macys credit card account. This account appears to be fraudulent. 

XXXX XXXX XXXX XXXX : XXXX XXXX is reporting an account that I did not open. I have never had any financial relationship with XXXX XXXX, and I suspect identity theft in this case. 

XXXX XXXX XXXX XXXX XXXX  is listing a credit account with late payments under my name. I did not apply for any accounts with XXXX XXXX, and I believe this is the result of identity theft. 

In addition I have never lived at this address XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Actions Taken : I placed a fraud alert on my credit reports. 
I filed a police report for identity theft. 
I submitted a dispute with the credit reporting agencies and contacted the companies involved, requesting the removal of these accounts. 
Despite my efforts, these accounts remain on my report and continue to harm my credit score.

I am seeking the Consumer Financial Protection Bureaus assistance in ensuring these fraudulent accounts are removed from my credit reports. I also request that these companies investigate and provide a response regarding the fraudulent activity.

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 2024-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
Account was created by Representative XXXX XXXX ( Clover, XXXX XXXX XXXX XXXX ) ( XXXX ) Multiple accounts were created on my behalf resulting in multiple charges. Since account opening, I have closed all accounts. 

Charges ( unaware ) were debited from my business Bank Account. All information will be provided upon request. 

I, XXXX XXXX, never received a " POS '' system and therefore was never activated. 

I inquired, numerous times, about account closures, disputes, and a full refund of what was debited to my account. Since then, I keep receiving communication regarding an overdue balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2024-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AK

Complaint narrative:
XX/XX/XXXX i sent XXXX dollars to my girlfriends XXXX. She couldn't get the money out of her paypal account so she refunded it back to me the same dat XX/XX/2024. It's been over 30 days XXXX  says they can't help us And cash app also says the same thing. There is now XXXX dollars just missing and no one knows where it's at!!! XXXX can't trace the money cause it didn't go to a debit card.. my girlfriend had called paypal probably XXXX times with no help and cash app just says they can't locate the money I'll provide screen shots of everything I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-10-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Account name
COLUMBIA DEBT RECOVERY
Account number
XXXX

THIS CREDITOR IS IN VIOLATIONS OF MY RIGHTS  UNDER 15 USC 1692 CC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: IL

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: GA

Complaint narrative:
Equifax, XXXX XXXX account XXXX Delete this account for violation because the date last reported is XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, and XX/XX/XXXX for Equifax. 



XXXX Bank account XXXX - Delete this account for violation because the date last reported is XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, and XX/XX/XXXX for Equifax. 



XXXX Bank account XXXX - Delete this account for violation because the date last reported is XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, and XX/XX/XXXX for Equifax. 



XXXX XXXX XXXX account XXXX Delete this account for violation because the date last active is XX/XX/XXXX for XXXX XXXX XX/XX/XXXX for XXXX, and XX/XX/XXXX for Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief