vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 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: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
ill call the companies trying to resolve this problem with them unfortunately they can't send me the information regarding this accounts or contracts sign

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 2024-04-19 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: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
My credit report is showing unauthorized hard inquiries on my report on or around XX/XX/2023 which I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC.
State: NM

Complaint narrative:
I have an HSA with Optum Bank. They have an arrangement with XXXX XXXX where by HSA savings can be invested in public markets. However when trying to transfer funds from XXXX to Optum the Optum software often does does not work and customer service have been instructed to refer the matter to XXXX who are not responsible for the technology. When at last the institutions were accepted the funds were not in my HSA account at Optum. Customer service told me that inXX/XX/2024 it takes 2 to 3 days to facilitate a transfer. They claim XXXX is using the funds as float.All transfers I have ever done with XXXX were same day value. The purpose of HSAs as envisaged by Congress is to mitigate health care expenses not enrich Optum executive compensation using customer funds as float. These are hidden junk fees which should be eliminated immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am writing to dispute the accuracy information of my credit report as provided by your agency. According to the fair credit reporting act ( 15 USC 1681 ), I have the right to challenge any information that i believe to be inaccurate or incomplete. Upon reviewing my credit report, I noticed that there are entries indicating that you have furnished or obtained information about me.However, I want to clarify that I have never provided written consent for your agency to either furnish or obtain my information.Please provide documentation that demonstrates my written consent for such actions, as required by law.If you can not provide this documentation, I request that you remove any entries on my credit report that were furnished or obtained without my explicit written consent.I expect a prompt investigation into this matter and a timely response within the statutory timeframe. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I received a call from ( XXXX ) XXXX, a company saying they were Chase calling about my account.I really thought it was Chase because I have an account and had submitted a dispute. They said to call back at XXXX. I called. 
They asked for my social security number. I did give my information. I realized it was a scam when they couldnt give me any account information once I had shared my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
there was a letter submitted previously to my claim against Portfolio and they didnt take heed to it and violated15usc6801 " ( b ) ( 1 ) to insure the security and confidentiality of customer records and information ; '' this ensure that the safety of my well being was not met. Especially after i sent them a opt-out revocation which is in 16 CFR 313.7 ( d ) ( 5 ) ( iii ) ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: NJ

Complaint narrative:
I believe FCRA 605B says we must delete any incorrect accounts from my credit report. Can you check the documents? Some listed accounts are inaccurate in terms of reporting, with inaccurate amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2024 Please remove it 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 2024-04-19 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: NY

Complaint narrative:
The late payments showing on my report are completely inaccurate. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.

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 2024-04-19 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-19 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: OK

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 non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I have never entered into an agreement nor do I have a contract with XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Virginia XXXX. This is fraudulent and a violation of my right to privacy and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-19 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: FL

Complaint narrative:
I reached out the them and got nothing but the run around I have drove in XXXX  years Im not looking for a car and some of theses companies run my information about 5 times in a day are the next day I dont recognize any of this I want to see my wet signature on this authorization this is very inaccurate on my credit report I even informed XXXX to dispute these hard inquiries over XXXX. If Im correct if credit agencies dont delete your negative items aft you dispute them they will owe you {$1000.00} per item XXXX5usc i68 ( civil liability for willful non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: FL

Complaint narrative:
I reached out the them and got nothing but the run around I have drove in 10 years Im not looking for a car and some of theses companies run my information about 5 times in a day are the next day I dont recognize any of this I want to see my wet signature on this authorization this is very inaccurate on my credit report I even informed XXXX to dispute these hard inquiries over 25. If Im correct if credit agencies dont delete your negative items aft you dispute them they will owe you {$1000.00} per item 15usc i68 ( civil liability for willful non compliance.

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 2024-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I added XXXX $ to my cashapp account on XX/XX/XXXX. It was sitting in there for XXXX days and was approved by my bank. I checked my account on XX/XX/XXXX and the XXXX $ was gone from my balance and the transaction said XXXX $ failed XX/XX/XXXX. I contacted cashapp support and they said since there was a past dispute for XXXX $ back in XXXX from my bank the transaction was reversed and to contact my bank for more details. I contacted my bank and they said the dispute was declined and they have no record or indication of them cancelling the new XXXX $ add cash for XXXX. The only thing they had was that the XXXX $ add cash was successfully received to my cashapp account and to contact cashapp support again. So I contacted cashapp support again and they said the XXXX $ transaction was reversed and contact your bank for further details and hung up on me and refused to answer where my money is or if it was going back to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: TN

Complaint narrative:
Recently, I did an an investigation on my report and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Car Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-19 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: DISCOVER BANK
State: DE

Complaint narrative:
I have disputed several unauthorized & unverified items that appeared on my credit report. I also stated the dates that these unauthorized items had been applied for below I will list the dates as well as the companies of the unauthorized items. According to the FCRA this shouldnt be on my credit report, I would like for these items to be removed immediately due to fraud and inaccuracy I would like a copy of my credit report when these unauthorized/unverified items are removed. 

XXXX XXXX : Discover Financial Services XXXX, XXXX XXXX. 

XXXX : Discover Financial services XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

XXXX : Discover Financial Services XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: NJ

Complaint narrative:
I believe FCRA 605B says we must delete any wrong accounts from my credit report. Can you review the papers? Some listed accounts have errors in reporting, with wrong amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: NJ

Complaint narrative:
I think FCRA 605B requires us to delete any incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts have inaccuracies in terms of reporting, incorrect amounts, and dates being reported.

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 2024-04-19 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:
XXXX XXXX {$990.00} XX/XX/2018 XXXX XXXX {$1100.00} XX/XX/2018 XXXX XXXX {$1400.00} XX/XX/2018 XXXX XXXX {$1400.00} XX/XX/2018 I have tried to reached out to this company many times but respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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:
XXXX XXXX  {$990.00} XX/XX/year> XXXX XXXX {$1100.00} XX/XX/year> XXXX XXXX {$1400.00} XX/XX/year> XXXX XXXX  {$1400.00} XX/XX/year> I have tried to reached out to this company many times but respond.

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 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I observed inaccuracies in the listed accounts that need to be reported and corrected by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: NJ

Complaint narrative:
FCRA 605B might need us to remove wrong accounts from my credit report. Can you check the docs? Some accounts are wrong in terms of reporting, with wrong amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: OK

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.

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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Over time my capital one credit card was fraudulently charged {$1000.00}. When I tried filing fraud/dispute claims, capital one wrongly held me liable for the fraudulent charges that I didnt commit.

Company response to consumer: Closed with explanation