vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 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: WI

Complaint narrative:
Hello, Equifax is STILL reporting fraud information on my credit report from a XXXX XXXX collection company XXXX XXXX XXXX which is violating my rights. Equifax claims to have done a thorough investigation & sent me results yesterday XXXX stating this FRAUD ACCT. was verified. However, Equifax has failed to send me any proof of legal verification, any company can show an account summary with my info saying it belongs to me, that is not legal proof, plus Equifax did NOT send me anything at all, no wet signature contracts, no physical evidence, proofing this fraud belongs to me!! Again by law, Equifax & XXXX have to provide all the docs I requested in my letters & failed to do so! This fraud is violating my rights & against the law. The collection agency & Equifax must by law submit physical legal proof, other wise by law this fraud account must be removed! I am NOW PROCEEDING WITH LEGAL MATTERS & GOING TO SUE EQUIFAX & XXXX! AGAIN, I am a victim of Identity theft, I have already submitted a report with FTC. This Fraud account is reporting as collection & made my XXXX credit score drop XXXX points which I worked so hard to build my credit to a XXXX so far! How could 1 collection account that isn't even mine, make my score drop so much, XXXX  points!! This is hurting my goals of buying my 1st home & new car! I'm so devastated & need Equifax & or the company to remove this fraud immediately from my credit report! Both XXXX XXXX XXXX XXXX Equifax are violating my rights & breaking the law. THIS IS CAUSING ME DISTRESS & IF IT IS NOT REMOVED IN 14 DAYS. I AM SUING! I have uploaded supporting docs. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX, account number XXXX has violated my rights.

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 non-monetary relief
Consumer complaint received 2023-10-18 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:
In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX account number XXXX, has violated my rights. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This past XXXX I paid off the car loan and requested my pink slip. The credit union, XXXX XXXX will not give me my pink slip because I defaulted on a personal loan and still owe XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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:
In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX, account number XXXX, has violated my rights. 

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 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I was charged {$160.00} with the line " XXXX XXXX XXXX XX/XX/XXXX ( ... XXXX ) '' as a card transaction. I disputed the charge, as I don't recognize it. On XX/XX/XXXX Chase reversed the charges. On XX/XX/XXXX Chase charged me again with the line on my statement " Claim reversal : XXXX XXXX DE XX/XX/XXXX ClaimId : XXXX ( ... XXXX ) '' as an ATM transaction. I requested documentation from Chase on the matter in XXXX after noticing the charge on my statement. Chase sent a letter saying they had reviewed documents during their investigation, but DID NOT SEND THE DOCUMENTS. I have tried monthly since then to get them to send the documents, and their support lines claim that they have sent the document, but I have not received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a cosigner on my daughter 's student loan. I was not properly notified of 1 missed payment on my daughter 's loan. XXXX claims they did their due diligence to contact me however, the email address they had on file was not accurate. I never received an email. They claim they mailed letters, I never received. They claim they called but did not leave any messages. I never received a phone call that identified as being from XXXX. XXXX put a negative rating on my credit report which dropped me from an XXXX to a XXXX. They refused to withdraw the negative report. As a co-signer, XXXX has the responsibility to notify me properly before unjustly affecting my credit rating. As co-signer, I can't settle anything if I am not properly made aware. XXXX has refused to withdraw the negative mark on my credit report and stated that I can file a dispute but won't guarantee that it will be overturned.

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 2023-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MO

Complaint narrative:
Last Year I had lost my phone and somehow a minor ( XXXX XXXX ) granted access to my cash app account security breach by far, and changed my name and cash tag to replace it with His name and cash tag.I had two direct deposits ( {$1000.00} on XX/XX/ & {$1200.00} ) that I can not get because my job said corporate office take 2 weeks to do changes on accounts. I showed nothing but solid evidence and support that is this is mine I have the print out of the direct deposit, I have the job app that I use the clock in that has my schedule my money when it come in everything on there.I just want what's rightful mines and what I entrusted cash out to have secured for me I showed all available sources that clearly show I am the rightful owner.Cash app claimed only I can get in account but how is that possible when this is your system so you telling me once I'm locked out I'm out and there's no recovery for me to obtain my account this is clearly unprofessional and unacceptable and a bank would never do me like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
i have been fighting this for XXXX months now. i never inquired about a car and have asked for these inquires to be taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
attached is the CERTIFIED MAIL FROM USPS XXXX. XXXX is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  Open options Account # : CHILD SUPPORT ENFORCEM Open options Account # XXXX CHILDSUPPORT Open options Account # XXXX Inquiries XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
attached is the CERTIFIED MAIL FROM USPS XXXX. XXXX is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Open options Account # : CHILD SUPPORT ENFORCEM Open options Account # XXXX CHILDSUPPORT Open options Account # XXXX Inquiries XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts 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 2023-10-18 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: NC

Complaint narrative:
I need you to verify my report well, because I dont recognize these acconts and these inquirys. 

Inquiryss : 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 2023-10-18 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: Unifin Inc.
State: MO

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information in my credit report. I have also enclosed a copy of the report I received. 

In accordance with The Fair Credit Reporting Act. the account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 



Account Number : XXXX This item is disputed by me. I never gave permission for the creditor to post or share, list any information regarding my credit to the public such as creditors or tax court, and identify the type of item, such as credit account, judgment, etc. I am requesting that the item be removed in order to correct the information. 

Please reinvestigate this matter and correct the disputed item as soon as possible. 

In accordance with the new privacy laws, I kindly request you not to post any negative report to credit agencies until this dispute is resolved. I submit this request based on the following : 15 u.s.c. 1681 Section 602a States I have the right to privacy 15 USC 1618 section 604a section 2 ; it also States a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 C ( a ) 5 close parentheses section States no consumer reporting agency may make it Consumer Report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antidates the report by more than seven years 15 USC 1682 s - 2 ( A ) ( i ) A person 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 Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: Westcreek Financial
State: MO

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information in my credit report. I have also enclosed a copy of the report I received. 

In accordance with The Fair Credit Reporting Act. the account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 



Account XXXX : XXXX This item is disputed by me. I never gave permission for the creditor to post or share, list any information regarding my credit to the public such as creditors or tax court, and identify the type of item, such as credit account, judgment, etc. I am requesting that the item be removed in order to correct the information. 

Please reinvestigate this matter and correct the disputed item as soon as possible. 

In accordance with the new privacy laws, I kindly request you not to post any negative report to credit agencies until this dispute is resolved. I submit this request based on the following : 15 u.s.c. 1681 Section 602a States I have the right to privacy 15 USC 1618 section 604a section 2 ; it also States a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 C ( a ) 5 close parentheses section States no consumer reporting agency may make it Consumer Report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antidates the report by more than seven years 15 USC 1682 s - 2 ( A ) ( i ) A person 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 Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
J.P. Morgan chase bank did hard inquiry for credit application I did not do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc
State: MO

Complaint narrative:
This company is contacting both my work number and my personal number at minimum 3 times per day each. Often utilizing multiple numbers and attempting to mask caller id on some attempts. This is extremely excessive considering this would constitute at least 36 contacts per 7 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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:
In accordance with the Fair Credit Reporting act XXXX account XXXXXXXX XXXX XXXX XXXXXXXX, account number XXXX, has violated my rights. 

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 2023-10-18 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: NC

Complaint narrative:
I need you to verify my report well, because I dont recognize these acconts and these inquirys. 

Inquiryss : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI EQUIFAX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: NC

Complaint narrative:
I need you to verify my report well, because I dont recognize these acconts and these inquirys. 

Inquiryss : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-10-18 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Once again after months of battling this fraud, I'm addressing Experian is reporting fraud accounts on my credit report. Experian continues to violate my rights & have failed to provide legal proof. I requested actually physical proof months ago, starting in XXXX, XXXX & XXXX & I still haven't received anything back. Experian investigated with the companies reporting fraud & say it's verified but show no actual proof, any one can show a credit bureau a bill & my info, that some one stole from me! They pay these credit bureaus to report fraud & it needs to stop!! I been a victim of ID theft for years & I'm exhausted from this disaster & Experian refuses to provide support. Experian is breaking the law over & over & so are these companies reporting fraud! I Will proceed with a law suit if Experian doesnt stop breaking the law. These accounts are FRAUDULENT!! XXXX XXXX  acct # XXXX {$2200.00}. XXXX XXXX XXXX acct # XXXX {$11000.00}. XXXX XXXX XXXX acct # XXXX {$5400.00}, &. XXXX XXXX XXXX XXXX acct # XXXX {$2800.00}. Experian nor these companies have supplied me physical lawful proof in the 30 day time frame & now XXXX has passed & this is way passed the legal time, therefore Experian must remove them! I have NOT received any documents I requested months ago. I have also submitted a complaint to the CEO & CFO of Experian. & I HAVE FILED A COMPLAINT WITH THE ATTORNEY GENERAL! Experian has 14 days to remove or I'm filing a law suit, my attorney will be contacting you soon. 
Thank You!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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