vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 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: GA

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX  Date of inquiry : XX/XX/year> 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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reviewed a copy of my credit report and was shocked to learn I have been a victim of identity theft under US code 1681b. I found an account on my credit report that was not open by me. This is hurting me as I am in the process of buying a home for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX I Have never had XXXX XXXX. I do not know where or whom this company is. I reached out to them to ask them about this account and they never sent me anything. This is fraud. I sent over multiple letters certified mail and they still haven't remove this from my credit report. FRCA law prohibits false information that is not mines to be reporting. I demand this is removed from my credit report. NeXT steps will be filing a lawsuit.

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 2024-06-03 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX I Have never had XXXX XXXX I do not know where or whom this company is. I reached out to them to ask them about this account and they never sent me anything. This is fraud. I sent over multiple letters certified mail and they still haven't remove this from my credit report. FRCA law prohibits false information that is not mines to be reporting. I demand this is removed from my credit report. NeXT steps will be filing a lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Paypal XXXX XXXX has taken XXXX from my checking account without a court order or my permission. The paypal purchase protection totally Breached there own contract with me in Purchases I made on XXXX and paid with My Bank Debit card I ordered XXXX orders from XXXX thru XXXX when XXXX of the orders never showed up I contacted Paypal to get there help, a email from Paypal usually gets the seller to refund or ship the item. The response I got from paypal is just plain wrong. They told me that I would have to seek help outside of Paypal when I used Paypal to pay for these orders. The next thing they did was real sneaky they locked me out of my account and that made looking at the payment history impossible. They refused to allow me access to my account history and These orders were charged on a Paypal Credit account. Then I needed to get a refund from XXXX XXXX XXXX and I posted my new debit card on paypal they let me do that and were real rude about it and made it very hard to get my XXXX back from paypal but I got it. I then had a XXXXXXXX XXXX XXXXXXXXXXXX XXXX and was very XXXX  for XXXX  years during this time paypal took my debit card and started taking money from my bank in the amount of XXXX each month and I was unaware they were doing this and I just found out from the synchrony bank who had bought paypal credit but the billing was still thru the Paypal my account which they after the refund locked me out again. They took over 12 payments of XXXX over XXXX and they were way out of line and breaking the law. In MN the statue of limitations for a crime like this is 7 years and it has not yet been 5 years. During that 12 months I overdrafted every month and some time as many as 6 over drafts in a month. I XXXX XXXX XXXX but could not understand why this was happening. The XXXX XXXX  got ahold of me and because of the high number of over drafts all of the sudden asked me to get a checking account from another bank. I did. They stole money from my account and made paypal credit payments and I was not on auto pay and they had no court order or my permission. Talk about fraud fist they dont at all help me with the orders and then steal money from my account. I want this money returned to me without delay I just found out about this.

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 2024-06-03 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: CA

Complaint narrative:
Again, this XXXX XXXX  again forgot to report correct amount in my credit profile, thank you CFPB for not pushing them for this violation, this is shows me again that nobody is following the Low of this country, I said before and will say again, all this reports and complaints Im saving for future lawsuit to this company, I thought that everyone must follow the Law how its says in the Constitution but I was wrong, anyone can violate the law and nobody will hold them accountable. 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 2024-06-03 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:
Again, this XXXXXXXX XXXX again forgot to report correct amount in my credit profile, thank you CFPB for not pushing them for this violation, this is shows me again that nobody is following the Low of this country, I said before and will say again, all this reports and complaints Im saving for future lawsuit to this company, I thought that everyone must follow the Law how its says in the Constitution but I was wrong, anyone can violate the law and nobody will hold them accountable. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Again, this XXXX XXXX again forgot to report correct amount in my credit profile, thank you CFPB for not pushing them for this violation, this is shows me again that nobody is following the Low of this country, I said before and will say again, all this reports and complaints Im saving for future lawsuit to this company, I thought that everyone must follow the Law how its says in the Constitution but I was wrong, anyone can violate the law and nobody will hold them accountable. 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 2024-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The following inquiries were not authorized by me, please delete them. Never having given my permission for them to inquire about my credit status, they are unauthorized by me. Their continued presence on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act, must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Furthermore, I would appreciate the names, addresses, and phone numbers of these companies so I may follow up. 

Your immediate attention to is matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
On Friday XX/XX/year> I was out shopping with my family. I went to transfer money out of my chime checking account to my XXXX to use at the store. I was not able to log into my account. I called chime immediately while in the store around XXXX XXXX  and they told me my account was closed for reasons they aren't able to discuss and an email will be sent to me telling me which transactions caused my account to be closed and why I can't get a refund. 

I got an email saying that my account has been closed due to LEGAL AND LAW ENFORCEMENT REQUEST and that is all that I have received in regards to my account. I tried to log in online to view the flagged transactions and my account was closed so I COULDN'T EVEN VIEW THE TRANSACTIONS OR ANY BANK STATEMENTS. 

I called 2 times after that on XX/XX/year> only to deal with rude and not helpful customer service. After that I lost hope and researched and found that many of other people are in my situation. Upon research I came across the CFPB and found hope to not only A ) receiving the money I work XXXX hard for and B ) Find out which transactions flagged my account, and who authorized this with no prior contact to me. But to lastly raise awareness to warn everyone about CHIME and securing your money. 

Truly hoping you guys can help. Thank you for your time and consideration to my claim. I wish you the best and STAY SECURED out here!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: FL

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-06-03 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: GA

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong to 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 2024-06-04 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: NC

Complaint narrative:
XXXX out of business for bad business practice. Unresponsive. No longer XXXX  accredited. Never late on payments XXXX. Paid as agreed. Proof attached.

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 2024-06-03 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: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 informationisinaccurate.

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 2024-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Aargon Agency claims I owe them a debt of {$940.00} from XX/XX/XXXX. They claim its related to an old ER visit. 

My first issue is this, I was not in the XXXX  anytime around XX/XX/XXXX. 
My second issue is that I have maintained health insurance since before and much after that point and they have no record of me owing any amount in excess of any medical bills currently. 

When I spoke to Aargon Agency on several occasions I attempted to help figure out the mix up. As they persisted this was my debt to clear I requested some sort of verification from the original creditor. They sent me a copy of their collection account that did not have any information about me or how the debt was incurred. 

I requested another form of verification that would not only show me where the debt came from, but also at the very least have my information associated to it. They ignored my request and never got back to me. After they failed to provide me with this information at the start of XXXX I requested that they stop attempting to collect and delete the inaccurate information from my credit report until they could prove that it was indeed my debt. Again they ignored me and continued anyway without any further attempt to actually help me resolve the debt.

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 2024-06-03 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: NV

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed 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 2024-06-03 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: World Acceptance Corporation
State: IL

Complaint narrative:
This is a fraudulent account I have been trying to dispute for months now but it has not been removed! This is not my account my personal information has been compromised and I would like this account removed immediately! I continue to be a victim of these fraudulent actions?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: College Ave Student Loan Servicing, LLC
State: AZ

Complaint narrative:
Action taken by company was a report of fraud. This was done by me in store at XXXX and the claim was resolved. This was a soft inquiry with a phone taken out in my name. My last name was spelled wrong on the account XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Report no action has been taken yet, I did not authorize this card, this was just a soft inquiry XXXX XXXX XXXX XXXX XXXX this is another soft inquiry I did not authorize XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX This is a hard inquiry on XXXX that I did not authorize XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a hard inquiry on XXXX that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are soft inquiries I did not authorize. I called XXXX and they confirmed someone tried to access this in my name. They put this email address : XXXX and this phone number : XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX  Inquired on XX/XX/year> COLLEGE AVENUE STUDENT L Inquired on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
Action taken by company was a report of fraud. This was done by me in store at XXXX and the claim was resolved. This was a soft inquiry with a phone taken out in my name. My last name was spelled wrong on the account XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Soft Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report no action has been taken yet, I did not authorize this card, this was just a soft inquiry XXXX XXXX XXXX XXXX XXXX this is another soft inquiry I did not authorize XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX This is a hard inquiry on XXXX that I did not authorize XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a hard inquirXXXX on XXXX that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are soft inquiries I did not authorize. I called rent-a-center and they confirmed someone tried to access this in my name. They put this email address : XXXX and this phone number : XXXX XXXX XXXX Inquired on XX/XX/scrub>XXXX XXXX XXXX Inquired on XXXX XXXX  Inquired on XXXX XXXX Inquired on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year>

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