vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: SC

Complaint narrative:
I am writing to request of the information contained in my credit in accordance with 15 U.S. Code & 1681i- Procedure in case of disputed accuracy, and 15 U.S. Code & 1681e ( b ) - compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Bellow are the accounts I am requesting to be reinvestigated : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX CARD Account Number : 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 2025-02-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My card was stolen and I assume was made duplicates of, the card was charged {$560.00} of money that wasnt given back to me on stores on XXXX XXXX, and restraunts all in XXXX, I live in XXXX so XXXX and all my family would have no reason to be in 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 monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
{$560.00}, {$140.00} i dont know this company XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
PENNYMAC continually charging escalating shortage catchup amounts that never reduce the shortage. They refuse to provide a line item accounting of funds into and out of the account. Nor can they explain how they are continually more and more incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX, XXXX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Unauthorized Inquiry on My Credit Report To Whom It XXXX Concern, I am writing to formally dispute an unauthorized inquiry on my credit report, which I did not authorize and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S. Code 1681b, credit inquiries must have a permissible purpose and explicit consumer authorization. Additionally, 15 U.S. Code 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information they report. Given these legal protections, the inquiry in question was made without my knowledge or consent and must be removed. 

I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report. 
Ensure compliance with applicable federal statutes in handling consumer credit data. 
Provide me with an updated copy of my credit report reflecting this correction. 
For verification, I have attached copies of my identification and proof of my current address. Please confirm receipt of this dispute and provide a written response within 30 days, as required under the FCRA. If no action is taken, I may consider further legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Attachments : Photo identification Proof of current address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: MI

Complaint narrative:
I recentil reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: MI

Complaint narrative:
I recentil reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I visited Chase Bank located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX, to make a cash payment of {$1400.00} at the ATM. I have consistently used this method to make my payments since obtaining the credit card. 

I inserted XXXX XXXX XXXX totaling {$1400.00}, into the ATM. The machine seemed to take longer than usual, continuously making the sound it makes while counting money. Suddenly, the ATM froze and issued a payment receipt indicating that there was a problem completing my transaction. 

I have called and initiated an investigation three times, and on the third call, I filed a formal complaint. I was informed that there was no overage reported at the ATM ; however, I have not received this information in writing. 

XX/XX/XXXX XXXXXXXX XXXX  ATM Receipt Stating there was a problem with completing my payment. Sequence # XXXX Term ID : XXXX XX/XX/XXXX XXXX XXXX Call made inside bank with my phone teller talk to XXXX XXXX to file a claim. I was told the ATM would be check in a couple days. Received temporary credit of {$1400.00} while being investigated. 
XX/XX/XXXX They reversed the {$1400.00} and added {$1400.00} back to my account. 
XX/XX/XXXX Received email stating I got a letter about reversal. No explanation. 
XX/XX/XXXXXXXX XXXX XXXX  Called number on my credit card XXXX about payment reversal. 21 minutes and they filed another claim and credited back a temporary {$1400.00} XX/XX/XXXX They reversed the {$1400.00} and added {$1400.00} back to my account. 
XX/XX/XXXX Received email stating I got a letter about reversal. No explanation. 
XX/XX/XXXX XXXX 23 minute Call ... Called number on my credit card XXXX about payment reversal. Payment manager filed another claim and a complaint for more information. No temporary credit this time. 
Today XX/XX/XXXX XXXX 17 minutes XXXX I was told to call branch to see if they have cameras. 
XX/XX/XXXX called branch at XXXX they told me they do have camera but on the investigation department Two more calls today XXXX XXXX XXXX XXXX, XXXX minutes, XXXX XXXX Minutes, still no answer of were my {$1400.00} payment is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-10 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: CT

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2025-02-10 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: FL

Complaint narrative:
I CHECKED MY CREDIT & I HAVE UNAUTHOIRIZED INQUIRIES THAT DO NOT BELONG TO ME & I HAVE NEVER APPLIED I AM A VICTIM OF IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
On XX/XX/year> I had opened a complaint about inaccurate information on my credit report and demanded XXXX and XXXX fraudulent Divisions to resolve information from Synchrony Bank XXXX XXXX XXXX to be removed. The complaints are currently closed but the information is still not resolved.

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 2025-02-10 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 was shocked to find incorrect accounts on my credit report this morning without any explanation. I check my credit report regularly, but this time, unexpected errors appeared. Thinking it might be a technical issue, I refreshed my browser, but the inaccuracies remained. Due to this problem, I am asking for a detailed review of the documents I have provided so that I no longer have to worry about this happening again.

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 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I have a XXXX XXXX XXXX  purchased from a rack in a store-amount {$50.00} XXXX XXXX XXXX XXXX exp XX/XX/XXXX CID ( security code ) XXXX The card was no good. It was purchased at XXXX, XXXX. 

I contacted the issuer who read from his list and said -- '' Yes I see the card is no good ''. 
They sent me an email to provide my receipt which I did by return email. 
I have done this 3 times, and they still have not sent me my refund or a valid card. 

The card was issued by XXXX  They admit the card is no good. They indirectly claim they have not received my information or receipt because " information not received '' is printed on their web site. I have checked 4 times. 

When I spoke to them today they still refused to refund my money. 

My case with them is XXXX In other words, they refused to refund, repeating their website URL. 
I give you permission to use the numbers above. 

I requested a copy of documentation which they refused to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: John C. Heath, Attorney at Law, PLLC
State: WA

Complaint narrative:
You settled a. Class action lawsuit with Lexington law group. A few people I know who used them and received a payment check. My information was hacked and suffered a greT deal too. More than them. Where's my check?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this dispute regarding the remaining hard inquiry on my Equifax credit report that is not associated with me and was reported without my written authorization, specifically the inquiry from XXXX on XXXX. I already disputed this last month, but the inquiry remains on my report. I request the immediate deletion of this disputed hard inquiry. Reporting this inquiry without my consent violates the permissible purpose requirement under 15 U.S.C. 1681b, which mandates that credit inquiries must have proper authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: LEXISNEXIS
State: MD

Complaint narrative:
Ive contacted Lexis Nexis on several occasions requesting the removal of inaccurate information. Although I disputed the erroneous entries in writing, the company refuses to remove court information from their report. Furthermore, Lexis Nexis reports the same incorrect information to all three ( 3 ) credit bureaus. Ive contacted the courts cited in the entries and have been assured the courts dont report to the credit bureaus, nor do they confirm or deny case information. Lexis Nexis is also reporting a misspelling of my first name XXXX XXXX XXXX XXXX XXXX. I've provided everything they've requested to correct these errors. To date, there have been no changes/updates. 

Lexis Nexis reporting erroneous information is a violation of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: MI

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NJ

Complaint narrative:
Round XXXX : Initial Dispute Letter Accuracy & Verification Challenge XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Under FCRA & FACTA Request for Deletion Dear Equifax, I am writing to dispute inaccurate information on my credit report under my rights outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. The following accounts are inaccurate, unverifiable, and must be deleted immediately : [ List of Negative Accounts ] ( Include name of creditor, account number, and reason for dispute ) Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation. I demand that you provide the method of verification used to confirm these accounts. Additionally, I want the original contract containing my wet-ink signature, proving that I authorized these transactions. 

Furthermore, given the Equifax Data Breach ( XXXX XXXX. XXXX, Document XXXX, Filed XX/XX/XXXX ), millions of consumers personal information was compromised. This breach calls into question the validity of any account reporting under my name, as my identity may have been affected. You are legally required to ensure that all data associated with me is verified beyond doubt. 

If you can not verify the accounts within XXXX  days as required by law, I demand their permanent deletion under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Failure to comply will result in legal action, including a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential civil claims. 

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 2025-02-10 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: NJ

Complaint narrative:
Round XXXX : Initial Dispute Letter Accuracy & Verification Challenge XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Under FCRA & FACTA Request for Deletion Dear Equifax, I am writing to dispute inaccurate information on my credit report under my rights outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. The following accounts are inaccurate, unverifiable, and must be deleted immediately : [ List of Negative Accounts ] ( Include name of creditor, account number, and reason for dispute ) Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation. I demand that you provide the method of verification used to confirm these accounts. Additionally, I want the original contract containing my wet-ink signature, proving that I authorized these transactions. 

Furthermore, given the Equifax Data Breach ( XXXX XXXX. XXXX, Document XXXX, Filed XX/XX/XXXX ), millions of consumers personal information was compromised. This breach calls into question the validity of any account reporting under my name, as my identity may have been affected. You are legally required to ensure that all data associated with me is verified beyond doubt. 

If you can not verify the accounts within XXXX  days as required by law, I demand their permanent deletion under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Failure to comply will result in legal action, including a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential civil claims. 

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: GA

Complaint narrative:
Hello my name is XXXX XXXX XXXX and we have a issue once again you people there have let the criminals into my credit again and I am very upset as I was born XXXX XXXX XXXX on XX/XX/year> to my parents XXXX XXXX XXXX XXXX XXXX and either these names are common or there is some Tom foolery here Im sure that there is not another XXXX XXXX who just happens to have a maiden name of XXXX like my mother any who I have attached my birth certificate my ssn my DL my bank statement and my cc bill to prove my name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can also send in transcripts from my high school and college as well as tax documents and business licenses I can also send in my childrens birth certificates which will show me as the mother so I dont know what else to tell you I am the real XXXX XXXX XXXX have addressed this before set my fraud alert and credit freezes but yet still once again you erase me and give the imposter access to my credit so I need this corrected asap and I need this file to be locked tight and no more imposters gaining access Im afraid that your company is going to let these people take control of my finances please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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