vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
Date XX/XX/2021 Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Credit Bureau Name XXXX, EQUIFAX, XX/XX/XXXXCredit Bureau Address Re : Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my XXXX, EQUIFAX, XXXX  credit report and I notice there is an unauthorized credit inquiry made by ( ). I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into 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 AUTO inquiry to determine who requested this credit inquiry. 

If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this. 
Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, 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:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, 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:
I've contacted the consumer reporting agencies through multiple platforms via mail or telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached. In regards to the accounts listed below, as a consumer Im demanding a deletion of these accounts. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX  Original creditor : XXXX XXXX 3. XXXX XXXX XXXX Original creditor : XXXX XXXX These accounts are individual actions, they must be delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've contacted Equifax through multiple platforms via mail or telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I never gave Equifax any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached. In regards to the accounts listed below, as a consumer Im demanding a deletion of these accounts. 

1. XXXX XXXX XXXX  XXXX 2. XXXX XXXX NA ( Inquiry date : XX/XX/XXXX XXXX 3. XXXX XXXX AUTO FIN ( Inquiry date : XX/XX/XXXX XXXX 4. XXXX XXXX XXXX  XXXX XXXX ; Late Payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX 5. XXXX XXXX ; Late Payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX These accounts, inquiries and late payments are individual actions, they must be delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
I had received a notice letter of XX/XX/XXXX from Franklin Collection Service , Inc., Case Number XXXX concerning XXXX XXXX XXXX XXXX XXXX account stating a balance of {$82.00}. 
On XX/XX/XXXX, I had replied and disputed the alleged debt collection letter, because it doesnt exist, I had provided a copy of my proof of evidence that I dont owe any balance and ask had Franklin Collection Service , Inc., to stop this collection tactics. 
On XX/XX/XXXX, I had received another demand letter from Franklin Collection Service , Inc., this time their client XXXX XXXX XXXX  using a different address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. 
Lastly, on XX/XX/XXXX, I had filed a complaint to CFPB on the same matter, same creditor ( XXXX XXXX XXXX ), but different collection agency called XXXX XXXX XXXX, XXXX, they had finally STOP collection tactics after I had filed my CFPB Complaint Number XXXX. 
I have all my proof and evidence that I dont OWE any balance on my XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: OK

Complaint narrative:
I have been making monthly payments, yet they are still calling me at least once a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
Date XX/XX/2021 Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Credit Bureau Name TRANSUNION, XXXX XXXX  Credit Bureau Address Re : Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my TRANSUNION, XXXX, XXXX credit report and I notice there is an unauthorized credit inquiry made by ( ). I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  inquiry to determine who requested this credit inquiry. 

If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this. 
Thank you in advance, 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 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
Date XX/XX/2021 Name XXXX XXXX Address XXXX XXXX XXXX  XXXX XXXX Credit Bureau Name XXXX XXXX EXPERIAN Credit Bureau Address Re : Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my XXXX, XXXX EXPERIAN credit report and I notice there is an unauthorized credit inquiry made by ( ). I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into 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 XXXXnquiry to determine who requested this credit inquiry. 

If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this. 
Thank you in advance, 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 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I sent a certified letter to all three bureaus and they have not properly handled my concerns. I asked them to send verified proof of the debt to which i was not supplied this verifiable proof. Here are the items : XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # 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 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
This account don't belong to me. Please remove this from XXXX. Please see below the account that is reporting derogatory in XXXX. 

1. Identity Theft BMW FIN SVC Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have previously submitted a complaint to Bank of America using this service ( complaint ID XXXX ) to get a response from the bank for several claims I had made since XX/XX/2020. They allowed someone to access my account over the phone and provided them with a temporary credit of around {$5000.00}, which they withdrew immediately. After I had let them know that I did not call the bank to request this money, they then removed the credit, which left me with an overdraft fee off {$4900.00}. I am now expected to pay this amount even though it was Bank of America 's fault for allowing someone, who was not authorized, to access my account. With your help I was able to get a response for my complaint. However, they failed to even address any of my complaints. They believed that I was requesting monetary compensation, which I never asked for. They obviously denied this compensation. I never asked to be compensated with the amount. My request was to have this overdraft fee removed since I was not the one who requested it in the first place and I wasn't the one who withdrew it. I want this overdraft fee removed so that I can lose all ties with Bank of America. They have lost my trust and loyalty due to their negligence and terrible customer service. I want no connection to them anymore as they have caused me so much stress and pain. The response to the previous complaint that I made using this service included a phone number that I could reach if I had any questions or concerns, but I have been calling this number almost everyday for the past month and it just send me directly to voicemail. I have not been able to contact anyone from Bank of America to address my concerns because they made it impossible to connect with anyone. I want them to know that if I am unable to connect with someone from the Bank, I will result to using other means like contacting the local news stations.

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 2021-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XX/XX/XXXX, I deposited a check for a friend, so I deposited a 3rd party check, the party came with me to deposit with check. The check was for {$10000.00} issued by the us treasury. The deposit of the check went great. We deposited it at the capital one bank on, XXXX XXXX XXXX XXXX XXXX, LA XXXX. The bank said that the check would take a few extra days to clear because of the amount. After a week past, capital one put a freeze on my account and never released the funds for their security reasons. The check had cleared and was now showing available in my account. The security department at capital one never allowed me access to my account again. On XX/XX/XXXX, I called to gain access to my account online, and capital one call center operator, named XXXX, said that capital one no longer wanted to do business with me and she wouldn't give me access to the account. When I asked XXXX about the XXXX account balance, she said it was already dispersed to the other party, when I told her I knew that she was lying, she then changed her story and said itll be sent when capital one decides it is time. I then told XXXX this wasn't right, she said that if I needed any other banking information to call another number. Is he told me goodbye and have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
These XXXX debt collectors are destroying my ability to get credit! This is some XXXX. I lost my Job! My wife is leaving me and my children think I'm a failure! I'm XXXX XXXX! I am a federally protected consumer! 

Pursuant to the Fair Debt Collection Practices Act 15 USC 1692g ( a ), I was not notified of this debt nor contacted 5 days prior to it being placed on my credit report. I DO NOT have any knowledge or records of this account nor do I have any contracts with Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit.

Notice, congress said ANY CARD. The credit card in question is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41. 


1. DELETE ACCOUNT Account Name : JPMCB CARD Account Number : XXXX Amount : {$11000.00} 2. DELETE ACCOUNT Account Name : JPMCB CARD Account Number : XXXX Amount : {$19000.00} 3. DELETE ACCOUNT Account Name : JPMCB CARD Account Number : XXXX Amount : {$3200.00} 4. DELETE ACCOUNT Account Name : JPMCB CARD Account Number : XXXX Amount : {$8400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a loan with SYNCB/CARE CREDIT and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCB/CARE CREDIT and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX and SYNCB/CARE CREDIT with no successful resolution.XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.

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 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
My credit card with PNC Bank had been written off and included on my credit report as a write off during COVID despite my previous communications to PNC Bank to explain that I had notified the customer service representative ( multiple times ) of my loss of employment. I would like to pay the amount owed in full, but prior to doing so, have reached out to PNC multiple times to ask how quickly the error on my credit report can be corrected to reflect that my card should not have been written-off and is paid in full. This error has resulted in my inability to find full time employment and substantial financial loss. In addition, today I reached out to PNC again ( at XXXX ) to find out when this correction will be reflected on my credit report and the representative ( reading from a script ) refused to answer the following questions : 1. What is the process for reporting credit card payments to the credit bureau? 2.Which department at PNC is responsible for reporting the payments to the credit bureau? 3. If I pay the amount today, when with the payment and correction be reflected on my credit report?

Again, I would like to pay the total balance IMMEDIATELY, but need PNC Bank to confirm that this error will be corrected and assurance that the payment will be reflected on my credit report within 30 days of the payment submission date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
" Equifax has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Equifax because my character has been defamed. I demand that these accounts below be removed immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a loan with SYNCB/AMAZON PLCC and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCB/AMAZON PLCC and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX and SYNCB/AMAZON PLCC with no successful resolution. XXXX reporting me having late payments. There was an error on their part. I was never late.

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 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I've contacted the consumer reporting agencies through multiple platforms via mail or telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached. In regards to the accounts listed below, as a consumer Im demanding a deletion of these accounts. 

1. XXXX  Original creditor : 11 XXXX XXXX  These accounts are individual actions, they must be delete 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 explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XX/XX/2021 I sent a debt validation letter to IC Systems. The letter was received by their office XX/XX/2021 via certified mail. 

I did not receive a response within 30 days ( Post Marked XX/XX/2021 ). 

XX/XX/2021 I sent a default letter to IC systems. The letter was received by their office XX/XX/XXXX via certified mail. 

I have not received a response with the 7 days indicated on the XX/XX/XXXX, letter ( Post Marked XX/XX/2021 ). 

IC Systems continues to report false and erroneous information to the three major credit bureaus while choosing to refuse validation of the alleged 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