vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-07 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: MO

Complaint narrative:
XXXX listed on XXXX as a collection account, not reporting accurately to XXXX, spoke with XXXX who advised they do not request documents from the creditor or require them to provide anything as long as they can provide my information to them. Advised them to correct report after dispute, balance was updated.

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 2024-01-07 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: MO

Complaint narrative:
XXXX listed on XXXX as a collection account, not reporting accurately to XXXX, spoke with XXXX who advised they do not request documents from the creditor or require them to provide anything as long as they can provide my information to them. Advised them to correct report after dispute, balance was updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: SC

Complaint narrative:
IMPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights!

Under Act 15 U.S.C. 1681 section 602 says " | 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 an account without my written instructions ''.

Under 15 U.S.C 1666 B " A creditor may not treat a payment on a credit card account under an open-end and consumer credit plan as late for any purpose. 
Please update the following accounts as paid, never late. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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:
IMPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! 
Under XXXX XXXX XXXX. XXXX section XXXX says " | have the right to Privacy ''. XXXX XXXX XXXX section XXXX A section XXXX " It also states a consumer reporting agency can not furnish an account without my written instructions ''. 
Under XXXX U.S.C XXXX B " A creditor XXXX not treat a payment on a credit card account under an open-end and consumer credit plan as late for any purpose. 
Please update the following accounts as paid, never late. 

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 explanation
Consumer complaint received 2024-01-07 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: MN

Complaint narrative:
My information has been stolen and used whom ever stolen my information they have use it illegally to apply for credit card acts with many financial institutions. : These is all unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These illegal inquiries is reported illegally on my XXXX report XXXX, Equifax, and XXXX reports and must be removed asap. also my XXXX report has many errors including a date of hirth of XX/XX/1984 which is inaccurate and must be deleted because my Correct dob is XX/XX/1984. also my XXXX has many addresses which is all inaccurate. my only correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this illegal information must be inaccurate and must be deleted because my Correct dob is XX/XX/1984. also my XXXX has many addresses which is all inaccurate. my only correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this illegal information must be deleted from my credit report under section 15 U.S Code 16815- 2 ( B ) or the fair credit reporting act. pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct.

And and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: MN

Complaint narrative:
My information has been stolen and used whom ever stolen my information they have use it illegally to apply for credit card acts with many financial institutions. : These is all unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX Federal XXXX XXXX XXXX Union 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 illegal inquiries is reported illegally on my XXXX report Experian, XXXX, and XXXX reports and must be removed asap. also my XXXX report has many errors including a date of hirth of XX/XX/1984 which is inaccurate and must be deleted because my Correct dob is XX/XX/1984. also my XXXX has many addresses which is all inaccurate. my only correct address is XXXX XXXX XXXX XXXX XXXX XXXX Minnesota XXXX this illegal information must be inaccurate and must be deleted because my Correct dob is XX/XX/1984. also my XXXX has many addresses which is all inaccurate. my only correct address is XXXX XXXX XXXX XXXX XXXX XXXX Minnesota XXXX this illegal information must be deleted from my credit report under section XXXX XXXX XXXX XXXX XXXX ( B ) or the fair credit reporting act. pursuant to section XXXX XXXX Code XXXX ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person XXXX not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. 
And and send the required notifications to all furnishers of this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Hello i didn't try to get credit from that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
" There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the XXXX that XXXX  financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX  and Barclays Bank is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : under the written instructions of the consumer to whom it relates. Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make XXXX  consumer report containing XXXX  of the following items of information XXXX  other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission.

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 2024-01-07 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: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/2024 a {$120.00} charge was made on my debit card, I did not authorize the charge, recognize the charge and even contacted the merchant listed on the charge for information. Neither myself or the merchant recognized the charge and had no information regarding the charge or what it was for. I contacted my bank the next day to report the debit card charge as fraudulent/unauthorized and Chime immediately emailed me saying no fraud has occurred I called to re-open the dispute the next day, immediately received an email determining the charge as an authorized charge. I called them again to let them know the charge was definitely not an authorized charge and was fraud for now the XXXX time I called asking for more information on their decision of the charge being authorized by me even though I had clearly stated now XXXX times the charge was not authorized, I did not recognize it and it was absolutely fraud. Chime is still unable to provide any supporting reasoning. 
I re-opened the dispute a third time this time with supporting documentation for my dispute from the actual merchant this scammer is using as a cover name and they confirmed there is a scam going around using their name and they have no record of me in their system, no charges or purchases and the charge was definitely fraudulent. Even with this supporting evidence, received a third denial from chime with no supporting documents they had determined the charge to be authorized and not fraud I am at a loss of what to do next..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc.
State: CT

Complaint narrative:
XXXX ) Requested verification in writing of the debt he or she is trying to collect. I asked for the original creditor. I asked for written proof of how the debt amount was calculated. This is under that Fair Debt Collection XXXX XXXX. I asked the company to cease collection of debt until its validated and the details are provided to me and should be sent certified mail. I asked for them to give me a copy of my signature, drivers license showing this is my account that I opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: MO

Complaint narrative:
XXXX listed on Experian as a collection account, not reporting accurately to Experian, spoke with Experian who advised they do not request documents from the creditor or require them to provide anything as long as they can provide my information to them. Advised them to correct report after dispute, balance was updated.

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 2024-01-07 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm Disputing all of theses inquiries. I haven't completed a security 's collateral application with these corporations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account should not be reported on my credit report XXXX  is the XXXX  public record that should be reported to the XXXX national credit bureaus Child support is not a personal loan or XXXX  kind of loan and revolving line of credit, it is not contract that should not be reported to XXXX  credit bureau delete from credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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 recently reviewed a copy of my credit report. I was shocked to lesrn that XXXX been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report 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 non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am not liable for this debt with PORTFOLIO RECOVERY ASSOCIATES, XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX I disputed this account with XXXX 2 Times And they keep saying is accurate, I wrote them requesting a method of verification for this account, they said XXXX XXXX XXXX keep saying is accurate and they won't provide them with any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX accounts have violated my rights : 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 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2024-01-07 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: MA

Complaint narrative:
These inquiries was pulled with out my permission or consent. Please help me remove/delete. 
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  Under 15 USC 1681b , credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA 15 USC 1681Q-Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

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 2024-01-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fuel Capital Group
State: AZ

Complaint narrative:
On XX/XX/XXXX I pulled my consumer credit report and found that a company XXXX XXXX XXXX is negatively reporting an account with them as a XXXX XXXX on my consumer profile. I believe I am  seeing multiple possible FCRA & FDCP violations This negative and Inaccurate report is harming me and stopping me from being able to acquire services on credit. 
15 USC 1640 civil liabilities for reporting inaccurate information 18 USC 1028 ( a ) Identity Theft I never instructed or gave XXXX XXXX XXXX permission to furnish information. to give the information to my consumer profile I never consented to the report in the first place. 

XXXX  XXXX XXXX Sold my information to a XXXX XXXX  and engaged in unfair debt collection practices when they hired and gave my private information to an outside towing company XXXX XXXX  who breached the peace at my home when they illegally took possession of my automobile. 


on XXXX XXXX  XXXX I mailed this company a Debt Validation Letter and Opportunity to Cure notice which was sent by Certified Receipt XXXX XXXX XXXX XXXX XXXX XXXX to the XXXX  XXXX XXXX and was shown to be received and signed for on XX/XX/XXXX but never responded to. 


15 USC 1692 ( d ) harassment and abuse STRIKE XXXX XXXX reps were instructed not to make contact during business hours. They were given specific time slots when the phone would be free to receive calls pertaining to this account but the reps repeatedly deviated from that agreed XXXX  time frame and made calls at times which were disruptive to day to day business operations. Their own internal system notes reflect the fact that they were instructed to communicate during certain hours and their records will show the times they made contact with me during those hours and the duration of the phone calls. 

If we did a FOIA request of the transcripts it will also show that they were aware of their breaches and knowingly and willingly ignored the laws the govern when and how to communicate with alleged debtors per FDCPA 15 USC 1692 ( G ) No XXXX  day notice was given before they furnished this Negative item to my consumer report.. nor did they have my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello i didn't try to get credit from that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Hello i didn't try to get credit from that 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 explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
This bill was paid and shut off before we moved I had a XXXX balance when closed I dont believe its fair to me to have to fight to remove this off my credit as I do not owe them money I would like to ask for removal from my credit thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Open Dealer Exchange, LLC
State: IL

Complaint narrative:
I didn't ask any  loan from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I didn't ask any loan from this company

Company response to consumer: Closed with explanation