vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 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: AZ

Complaint narrative:
I was looking through my credit file and notice some discrepancies. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The following account is listed as a collection account. i have never had any interaction or agreement with this company : Account name : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance {$3900.00} has violated my rights. 

The following its listed as hard inquiries on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This items on my Equifax credit report are incomplete and not accurate and according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
I received at least two texts from XXXX debt collection company. They included a reference number, web address link, and a call link. I used the link and their website requested the reference number, and either the last 4 of my social security number, or the month and date of my ssn, or my first and last name. I didnt want to give them my ssn numbers so I opted for sharing my birth date. Nothing resulted after I submitted the info, so I then submitted the last 4 of my ssn. That didnt result in anything, so I finally submitted my name. The next page displayed information about a debt that I do not owe. It read that I owe {$4500.00} to original creditor, Synchrony Bank. The current creditor is supposedly XXXX XXXX XXXX XXXX. My XXXX XXXX account does not show either one of these creditors, or the amount owed. I believe that because they dont have my SSN and are only going on my name, they are at best wrong or at worst committing fraud. I used to work for a legitimate collection agency for 3.5 years and from what I learned on the job, they are committing questionable and suspicious debt collection activities. I chose not to reach out to them directly because I still dont know if they are a legitimate company. I dont want to be dragged down a manipulative and deceptive hole for a debt that I dont owe. Thank you for your support. That is all the preliminary information I have. The website noted that I have 30 days before they report it to my credit. Please help me with any advice you can give me. Thanks again!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: NY

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Chase Freedom Unlimited credit card. On XX/XX/year> I received both email and text message from Chase regarding a fraud alert charging me {$600.00} from XXXX XXXX XXXX with {$18.00} Foreign Transaction Fee and {$2500.00} from XXXX XXXX. I immediately responded " NO '' to both email and text message, denying both transaction. In fraud alert, it stated that the transaction was declined. I called Chase personally and had my credit card cancelled. XX/XX/year>, I received a letter from Chase saying that the transaction was valid and charged my credit card {$600.00} with {$18.00} Foreign Transaction fee. I called Chase why was I charged and how did they come to a conclusion that I made that transaction and I was told that it verified using my phone number. I called Chase and sent the screenshot of the message they sent with my reply " NO ''. I was told they will re-submit the fraud claim and to wait another 15 business days. As far as the {$2500.00} from XXXX XXXX, they haven't send me any letter regarding this and remained off of my credit card charges. 

*****I am re-submitting this complaint to correct the dates. In my first complaint I stated I received the letter XX/XX/year> instead of XX/XX/year>.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-02 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: PA

Complaint narrative:
In accordance with 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.

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 XXXXXXXX, have all violated my rights 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 a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: LA

Complaint narrative:
I noticed some transactions made on my Cash App account that I did not authorize. I contacted Cash App via email chat and the support in which they demanded document verification for Identification to verify my identity for my disputes of the transactions. Each and every time I uploaded ID photo and selfie photo along with selfie photo holding I.d . Each time in doing so would have a message saying couldnt verify identity. I contacted Cash App support they asked me to verify my identity by XX/XX/year> or my account will be closed as of XX/XX/year> Cash app closed my account before the due date. Saying I was out of luck and couldnt do anything. I have been cooperating, uploading documents requested of me in which they blatantly lied and closed my account, regardless without refunding the unauthorized charges on my account stating they can not help me in the chat was going to be ended. Leaving me with nothing and blaming me the consumer leading me to believe what they said and doing the complete opposite cheating me the consumer out of their funds or helping to resolve the issue of not being able to verify identity in which I cooperated with every request honestly and truthfully. I stood no chance resolving these issues and unauthorized charges with this company. Cash App blatantly stole from me without cause. I have copies of all documents, chat, logs, disputes, and emails all in in regards to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX SECURITY FREEZE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax, XX/XX/XXXX I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX XXXX  Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$2200.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$750.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX Account with account # XXXX opened on XX/XX/XXXX and a balance of {$970.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$9300.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Collection account from XXXX XXXX XXXX with account XXXX XXXX and a balance of {$13000.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I am writing to formally file a complaint against VyStar Credit Union concerning unauthorized charges and the incorrect reporting of my account to the credit bureaus. Below, I outline the specifics of my case : I maintained a savings account with VyStar Credit Union, which was set up to automatically transfer {$1000.00} regularly to my XXXX XXXX checking account. Despite the fact that my VyStar savings account balance reached {$0.00}, the system erroneously continued processing these transfers. 

From XX/XX/XXXX, to XX/XX/XXXX, my VyStar savings account had a negative balance of - {$1600.00} due to these unauthorized transfers. Importantly, I never elected for overdraft protection on this account. The attached statements confirm that no overdraft protection fees were ever applied. Therefore, according to standard banking practices, transactions should have been denied and should not have allowed my account to go into a negative balance once the funds were depleted. 

The unauthorized negative balance arose from a failure of VyStar 's own automatic transfer system. Despite my efforts to resolve the matter by contacting VyStar branch managers, they were unable to provide an explanation and assured me that the error would be investigated and that I would not be held accountable for it. 

However, VyStar failed to follow up with the results of their investigation or offer me any resolution. Instead, they erroneously reported my account as a charge-off to the three major credit bureaus, causing significant damage to my credit score. My attempts to dispute the charge-off were met with the response that VyStar could not amend the status. 

The fact that this account was reported as a charge-off, despite a lack of overdraft protection and my non-responsibility for the system error, constitutes a violation of the Fair Credit Reporting Act. Credit reporting must be accurate and fair. VyStar 's actions, including the incorrect charge-off and failure to rectify the error, are in clear violation of this law. 

The erroneous reporting and mishandling of this issue have had severe repercussions on my financial health. I request immediate correction of the charge-off status with the credit bureaus and resolution of this matter to rectify the damage to my credit report.

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated
State: OH

Complaint narrative:
I have open accounts in my name that someone took out loans in my name that dropped my Credit Score a lot. 1 of them is called XXXX XXXX XXXX the amount is {$1500.00} date XXXXHeres another XXXXXXXX XXXX XXXX the amount of this is {$3000.00} the date XX/XX/year> next one iXXXX XXXX  that amount XXXX {$440.00} date XX/XX/year> I have identity theft on my taxes that Cant No one file these loans I never took out an the on record that I work an I never worked a day in life since a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I really need help disputing these on my Credit reports I been wit my XXXX XXXX XXXX XXXXXXXX never step outside of Banking with other banks an taking out Loans..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: OH

Complaint narrative:
I have open accounts in my name that someone took out loans in my name that dropped my Credit Score a lot. 1 of them is called XXXX XXXX XXXX the amount is {$1500.00} date XXXX another XXXXXXXX XXXX XXXX the amount of this is {$3000.00} the date XX/XX/year> next one is XXXX  that amount XXXX {$440.00} date XX/XX/year> I have identity theft on my taxes that Cant No one file these loans I never took out an the on record that I work an I never worked a day in life since a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX really need help disputing these on my Credit reports I been wit my Credit Union for XXXX never step outside of Banking with other banks an taking out XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-02 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: NC

Complaint narrative:
I am aware of all my rights that I have and are protected by Congress under the Fair Credit Reporting Act 15U.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 please delete these account Bull City Opportunity Finance 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 2024-08-02 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: NC

Complaint narrative:
I am aware of all my rights that I have and are protected by Congress under the Fair Credit Reporting Act 15U.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 please delete these account Bull City Opportunity Finance 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 2024-08-02 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Dear Consumer Financial Protection Bureau, I am writing to seek your assistance in removing unauthorized hard inquiries from my credit report. Despite my efforts to dispute these inquiries with XXXX, they remain on my report, negatively impacting my credit score. 

I have already sent three dispute letters to XXXX, and I am looking forward to completing the following steps to resolve this issue : 1. Escalating the dispute to a XXXX supervisor or specialist 2. Providing additional documentation or proof that the inquiries were made without my consent XXXX. Requesting a manual review of my file to remove the disputed inquiries 4. Filing a complaint with the Consumer Financial Protection Bureau if necessary I believe that these inquiries are a result of identity theft or errors by the creditors. I would appreciate any guidance or support your office can provide in resolving this matter. 

Please let me know if there are any additional steps I can take or if you require any further information from me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: TX

Complaint narrative:
To Whom It May Concern, The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation of my rights to be penalized with double jeopardy. Because of this, BOTH accounts need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you. 
Please delete immediately. When the requested above deletions are made, please mail me an updated copy of my credit report : Account : XXXX XXXX ( XXXX XXXX ) Account # XXXX Account : XXXX XXXX XXXX  XXXX Account 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