vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 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: TX

Complaint narrative:
Credit inquiry was place on my credit report with Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: TX

Complaint narrative:
USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations o

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Fraudulent Transaction, in my statement. Creditor informed me. I disputed the amount. Further, They have increased the interest charges upto 27 %. But I have been agreed to pay 6 % as introduced. previous balance in XXXX, was {$570.00}. 
They have increased the balance upto XXXX in XX/XX/XXXX. 
There were no transactioins since, made by me from XXXX to date. The Account has been closed.There was a Fraudulent transaction has made on XX/XX/XXXX, for {$190.00} I objected and Disputed. 

I already have reported this case.with CFPB, on XX/XX/XXXX. 
Case No. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This credit reporting company is not investigating like they supposed to under the FCRA. They are required by FCRA to verify 100 % that all information reported is 100 % accurate and need to provide me with evidence for this disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
According to your previous communication, the fraudulent account was not reporting on your credit file. However, upon a recent review of my credit report, I have found that the said fraudulent account still persists. 
The account in question is as follows : XXXX XXXX XXXX- PLEASE DELETE!!! XXXX XXXX XXXX have already removed this account from their records It has come to my attention that other credit bureaus have successfully removed the fraudulent account from their reports, consistent with your initial confirmation. This further underscores the discrepancy and emphasizes the urgency of resolving this matter promptly. I insist on demanding that the fraudulent account be deleted immediately, in accordance with the confirmation provided in your earlier response..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I spoke to a representative at Equifax on the phone on or about Account XXXX XXXX and they informed me that they'd received my documents in the mail In XX/XX/2023 showing them that this Account Should read as Paid/Closed as it shows on XXXX with no Balance! It is the duty of this entity to furnish accurate information and in this case Equifax is Intentionally VIolating the Rules of the CFPB and The FCRA in it's entirety by Reporting Information that they have been made aware that is fully inaccurate and incorrect. ( see attatched files of credit report ) This is causing the Consumer mental anguish because Equifax told the Consumer that they're not going to make any changes nor open a Reinvestigation unless they recieve a letter from their Customer XXXX who pays for a subscription to Equifax services. The Consumer produced legal Documents showing that the Consumers file was updated on XXXX and that Equifax should follow suit but Equifax refuses.2. It's been well over 30 days since the initial Complaint, and not only that they are clearly violating the Law Knowingly and Intentionally! Without fear of being held accountable! 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

also the following applies : ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit. Equifax has clear disregard for these rules and regulation as proof will show below in the attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: IL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: IL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: TX

Complaint narrative:
my credit profile is reporting inaccurately and some accounts are fraudualy opened needs to be deleted there are thousands of people with my name or same information please 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 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I have reach out to the reporting Agencey Equifax both my phone and Mail asking for them to mail me my complete file and to also investigate inaccurate information reporting on my credit report. I'm yet to receive any response rather than stall tactics, saying they can not. verify my information! even with me sending them my ss card and other proof that its me.am asking CFPB to help with me being able to accesses my Consumer File. i will attach the letter i have mail. to them telling them to update the outdated information they have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: January Technologies, Inc
State: NV

Complaint narrative:
I had taken a loan from XXXX XXXX XXXX around XXXX. This loan was discharged in XXXXr XXXX bankruptcy. The company ( XXXX XXXX ) also received proceeds from the bankruptcy. They then sold the loan to XXXX XXXX, XXXX and they attempted to collect on the debt. I notified them server times that the loan was discharged in bankruptcy. I provided the bankruptcy case number with every interaction I had with them. I then just received notification from January XXXX XXXX agency that XXXX XXXX hired them to now attempt to collect on discharged debt. I also provided them with the bankruptcy case number. I then attempted to contact XXXX XXXX also on XX/XX/2024 and was unable to speak with anyone. I also called XXXX XXXX to attempt to contact their corporate offices and was informed that they no longer have the loan with them because it was sold to XXXX 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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Have requested I am exercising my right under the FCRA, section 609, and are requesting all information related to debts listed on your credit report. I am entitled to all documents related to each item, including each original credit application and contract containing your signature. 
I would Like all information about : Credit report shows tradeline initial delinquency XX/XX/XXXX. 
Payoff history- why there were no payments recorded during these times, Why did they report them as current XX/XX/XXXX XXXX then defaulted 60 days XX/XX/XXXX XX/XX/XXXX and then charged off?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ssn : XXXX Subject : Revocation of Consent for Information Sharing and Privacy Violation Concern To Whom It May Concern, I am writing to file a formal complaint concerning the handling and unauthorized sharing of my personal and financial information by Navy Federal Credit Union and XXXX particularly related to my accounts with the account numbers XXXX and XXXX. 

As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am exercising my legal rights to privacy and control over my personal financial information. I hereby expressly revoke my consent, whether it be written, unwritten, verbal, or non-verbal, for any authorizations previously granted to Navy Federal Credit Union or XXXX and any associated entities for sharing any and all information pertaining to the stated accounts. This revocation is in accordance with 15 USC 6802 and is effective immediately. 

I have reason to believe that my personal information has been handled in a manner that is not compliant with the FCRA and other relevant privacy laws. This mismanagement of my personal data is not only a breach of trust but also a violation of my rights as a consumer. 

Additionally, I seek confirmation that all forms of consent for sharing my information related to the above-mentioned accounts have been fully revoked and that no further sharing of my information will occur without my explicit consent. 

Your immediate attention to this matter is not only appreciated but essential in maintaining the integrity of consumer rights and privacy. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX 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 2024-01-16 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: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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:
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.

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 seven years.

15 U.S.C. 1681s-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 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear CFPB, I am filing a complaint against Chase Bank for their failure to address a dispute. 

Following my purchase of a phone on XXXX, I discovered it had been previously used. Consequently, I initiated a return request. The seller provided a return address but did not include a pre-paid return label. Despite numerous attempts to contact XXXX and request a return label per their policy, I received no resolution. 

I explained my situation to Chase, but they provided various reasons to avoid facilitating the return. They suggested I did not need to return the item, and tactics such as delaying dispute submission until 15 days later were employed. 

The transaction details with XXXX XXXX are as follows : Amount : {$930.00} Transaction Type : Sale Transaction Date : XX/XX/2024 Posted Date : XX/XX/2024 Chase Bank has shown a lack of initiative in addressing this dispute and has not attempted to contact XXXX for XXXX. Their attitude has been both rude and arrogant. 

I request authorities to oversee this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Chase Bank for their negligent handling of a dispute, dual charging, and misappropriation of funds. 

During a previous XXXX dispute, I received a free return label for one item, but the labels for the other three items were missing, leaving me with only the return address. After returning the items, XXXX rejected the return with XXXX tracking number XXXX. 

I requested Chase Bank to update the dispute amount, as they insisted I had not returned all items. This lack of professionalism is concerning, as each item should have a corresponding return label for proper tracking and refund processing. 

Currently, Chase Bank has only credited {$53.00}, while I have repeatedly asked for the full amount of {$72.00}. The bank had already charged back {$72.00} from XXXX two weeks ago, not {$53.00}. It appears that Chase is exploiting this situation for personal gain. 

I urge the authorities to supervise and investigate this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Company has refused to comply with validation of debt requests. Experian states they dontr have to obtain physical proof based on there on protocol in violation and non compliant with Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) demand sent XXXX and XXXX. These non-validated debts are still being reported errenously on 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 non-monetary relief
Consumer complaint received 2024-01-17 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: GA

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. 

Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 seven years.

15 U.S.C. 1681s-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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: GA

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. 

Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 seven years.

15 U.S.C. 1681s-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 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