vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 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: NY

Complaint narrative:
I recently disputed these items listed and I don't believe a proper investigation was done. You have failed to properly investigate and remove these frivolous inquiries and have not provided validated proof of any findings that prove these inquiries was authorized by me. I request per FCRA requirements. These inquiries should be deleted immediately. I also attached a copy of the FTC report including these fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: TX

Complaint narrative:
Since my previous complaint has been closed by both you and Klarna, I suppose I need to open a new complaint regarding my 2nd account with Klarna. 

I just sent an email with this message to Klarna.. I have not received the XXXX monthly statement for XXXXXXXX XXXX  payment so far. it has NEVER been this late before, I have ALWAYS received it on the 2nd of the month. Seems like you are st Ill jerking me around. When can I expect my XXXX monthly statement for XXXXXXXX XXXX While the original complaint seems to be answered, now I have a complaint related to my other payment account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: IL

Complaint narrative:
On XX/XX/2023 I requested through writing request that the following inquiries and the in its companies remove these inquiries ... .XXXX XXXXXXXX on XXXX XXXX XXXX Bank XXXX XXXX.. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX .. All these inquiries were done without my consent and didn't pass thru thefraud alert have on my account but XXXX continues to report as if committed them and I didn't. I have requested that it be removed from all credit reports and XXXX is the only credit reporting agency how has take my request seriously. XXXX has allowed fraud to take place and not protect my credit even I have a fraud alert but the inquiries remain. This is my third request to resolve this problem. Next time will result in legal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: VA

Complaint narrative:
NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code, Title 15 1601 et. seq.

and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq.

This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt.

2 This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : ( 1 ) The name and address of the organization or other governmental unit alleging a debt ; ( 2 ) The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; ( 3 ) The name of the actual creditor even if that is myself ; ( 4 ) The origin of the funds used to create this alleged claim of a debt ( 5 ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.

( 6 ) The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.

( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name.

( 8 ) Be advised that verification is defined ( Blacks Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.

( 9 ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.

( 10 ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX Account Number : XXXX XXXX XX/XX/2023 - Unauthorized Inquiry XXXX XXXXXX/XX/2023 - Unauthorized Inquiry XXXX XXXXXX/XX/2023 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: FL

Complaint narrative:
On XX/XX/2023, I purchased a XXXX airline ticket for XXXX. 
When I submitted the transaction, I noticed XXXX charged me XXXX. 
I was unaware of the additional charge of XXXX. XXXX XXXX did not send any written correspondence via email or mail regarding the additional purchase of XXXX. 
Therefore I immediately canceled the transaction. Once I canceled the transaction, I received a refund ( same day ) for XXXX. 

Again, I did not receive a notification from XXXX XXXX regarding a cancelation for the unknown charge of {$69.00}. I only received a pop-up message, " Reservation Canceled Successfully. '' At this point, I am unaware of why XXXX charged me an extra XXXX ( Unauthorize Charge ). I could not figure out why the additional charge. I thought everything was ok since I received a refund the same day. 

A few days later, I checked my Chime Account and noticed XXXX refunded the XXXX for the ticket but not the unknown Unauthorize Charge. Because I canceled the transaction ( same day ), I didn't receive any notification from XXXX regarding the XXXX. I went on the XXXX website and researched what they charge me for a Unauthorize Charge XXXX Membership. 

I will reiterate I didn't receive any written correspondence regarding the XXXX Membership. I tried to cancel the charge, and per their website, I had XXXX hours to cancel. After XXXX hours, I can cancel without a refund, but I won't l receive the membership benefits. 

Since I received a refund for the entire amount, this is misleading to consumers. I will file a complaint with the Department of Transportation on XXXX XXXX. The XXXX is an Unauthorized charge. It is misleading to a consumer to see a credit for the entire purchase ( same day ), and a merchant does not need to provide written correspondence on how the Consumer will receive a refund. I emailed XXXX numerous of times with no resolutions. 

I notified Chime and filed a Dispute. They provided me with provisional credit for a Canceled Membership on XXXX XXXX. After the investigation, they reverse the provisional credit. They allowed me to submit another dispute as an Unauthorized Charge. 

I received a Final Determination email from Chime stating they found no errors, and my dispute is closed. 

I have had no issues with Chime until now. I do not have confidence Unauthorized charges are protected under REG E. As a consumer, I understand the REG E Policy and expect Chime to understand and enforce the Policy on Unauthorize Charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been reviewing my credit report and I noticed that there are some fraudulent accounts appearing on my credit report. I will list the items below that I do not recgonize Please see 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 non-monetary relief
Consumer complaint received 2023-06-08 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/2021 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for 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 non-monetary relief
Consumer complaint received 2023-06-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/2021 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for 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 2023-06-07 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: Consumer Collection Management. Inc
State: MO

Complaint narrative:
XX/XX/2023 Subject : Request for Deletion of Collection with Forward Follow Agreement Consumer collection management I hope this letter finds you well. I am writing to formally request the deletion of my collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between waterfront and Consumer collection management As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business 3 to comply with the terms of the agreement. 

Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Heritage Financial Group, Inc.
State: IN

Complaint narrative:
Heritage Acceptance Corporation contacted my job after they closed the account and charged-off the debt years ago. They did not involuntarily reprocess the vehicle. I called them for over a month to come pick the vehicle up. Please have them to produce phone records as well from XXXX to XXXX of 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: AZ

Complaint narrative:
To whom it may concern : Why do they report my name wrong in this report. They have the wrong person in these accounts please use my correct name as my drivers license and social sec XXXX XXXX XXXX the other person is not me. Please REMOVE NOW *** Violation of My Rights under the FCRA and Failure to Provide Method of Procedure in Adverse Action*** I am writing to address an ongoing issue with TransUnion, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I have made multiple attempts to correct a problem regarding certain inaccuracies on my credit report, but TransUnion has consistently failed to provide the necessary information despite my valid proof. This continuous failure to comply with the FCRA 's rules of procedure has compelled me to bring this matter to your attention, and I kindly request your immediate action to resolve this issue. 
As a consumer, I have the right under the FCRA to request and receive certain information from consumer reporting agencies, such as TransUnion. This includes the right to obtain copies of my credit reports and the ability to investigate and dispute any inaccurate or incomplete information contained within them. The FCRA further stipulates that consumer reporting agencies must respond to these requests within a reasonable timeframe and provide a method of procedure for resolving adverse actions. 
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. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number:XXXX  Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 
there is some inaccurate information reporting. 
Address is not mine XXXX XXXX XXXX XXXX az XXXX XXXX XXXX XXXX XXXX, AZ 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 2023-06-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-06-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of Identity theft, I have submitted a report to Experian multiple times and haven't recieved any correspondence. My identity was stolen from a family friend and ex employee of mind who stole my identity to open up a fraudulent loan under my name from XXXX XXXX XXXX. I did file charges against him at the time but the XXXX  charged him with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX against me and my family he is now serving XXXX to life for his crimes. This is not my account and should be removed right away. I am attaching an FTC report, my license, and a judges order.

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 2023-06-07 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XX/XX/2023 - Unauthorized Inquiry XXXX XXXXXX/XX/2023 - Unauthorized Inquiry XXXX XXXXXX/XX/2023 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for 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