vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
Between XX/XX/XXXX, XXXX XXXX, XXXX, I have XXXX hard inquiries on my Transunion, Equifax and Experian accounts I did not authorize. I purchased a new vehicle on XX/XX/XXXX and should have only had XXXX hard inquiry from XXXX XXXX as they are the exclusive Finance company for XXXXXXXX XXXX Car Dealership. The rest of these hard inquiries listed below were UNAUTHORIZED XXXX. XXXX ( XXXX ) - XX/XX/XXXX ( car loan ) XXXX. XXXX XXXX XX/XX/XXXX ( car Loan XXXX. XXXX XXXX- XX/XX/XXXX ( car loan ) XXXX. XXXX XX/XX/XXXX ( car loan ) XXXX. XXXX XXXX XX/XX/XXXX ( car loan ) XXXX. XXXX XXXX XX/XX/XXXX ( car loan ) XXXX Finance XX/XX/XXXX ( unknown ) XXXX. XXXX- XX/XX/XXXX ( unknown ) XXXX. XXXX XXXX XXXX ( unknown ) XXXX. XXXX XXXX Bank XXXX XXXX XX/XX/XXXX ( unknown ) XXXX. XXXX ( Bank XXXX XXXX ( unknown )

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 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XX/XX/year>, JPMorgan Chase Bank , N.A . closed four of our accounts without providing any written explanation for the closure. The total balance across these accounts was {$42000.00}. 
Since the closure, Chase Bank has not released the funds to us. We have made numerous calls to their customer service department and multiple visits to their local branches to request the return of our funds. Despite our repeated attempts to resolve the matter amicably, as of today, Chase Bank has failed to refund the amount or provide any substantive update regarding the release of our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: OH

Complaint narrative:
I noticed my credit score declined and it showed an unpaid debt. 
I contacted XXXX XXXX XXXX at XXXX and explained this was not my debt and asked for the corresponding account number and entity. They said they could not tell me the account number. I asked to dispute the debt and sent a certified sign receipt letter to them. 
I received information showing synovous bank acct ending in XXXX. Reference ID XXXX. Original date XXXX charge off date XXXX amount XXXX. I never receieved any information from anyone until I saw it affect my credit score and called them. I have never used this bank. Years ago I had a credit card that I had to prepay with {$2000.00}. I cancelled with them and they closed the account and sent me a check with my remaining deposit. It took them 8 weeks to send the check so everything had plenty of time to clear. Thats the only idea I have of something that could have been synovous bank. The card was not in that name at that time. It was called first progress. I see them listed as a predatory secured card on multiple sites. 
The only conclusion I can come to is that the cancelled card erroneously charged my card after the account was closed and never sent a statement. But they waited 8 weeks to send my {$2000.00} deposit back so there was plenty of money to have paid any charges if they were prior to the cancellation of the card. When I spoke with the debt collector they stated they have had multiple complaints about first progress adding charges after accounts were closed. 
I am hoping to have this removed from all 3 credit bureaus. I appreciate any help you can give. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: GA

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I was notified by a Title Company at the time of sale for my home that there was a XXXX placed on my home by Portfolio Recovery Associates , LLC. The collection company was owed {$1000.00} plus cost and interest after a ruling in the XXXX XXXX XXXX XXXX XXXX ruled in their favor. Case # XXXX on XX/XX/XXXX. The person responsible for this debt has the same spelling of both their first and last name as mine and resided in the state of Arizona. I was living in the state of Illinois until XXXX, and had no involvement with this incident. Upon discovering the XXXX  that was placed on my home, I reached out to Portfolio Recovery Associates. They could not locate me based upon my date of birth, social security number because I do not exist in their system due to the fact that they are dealing with another individual. They transferred me to several representatives who stated that they could not assist me as I did not have an account with them. I provided them with an address that the Title company listed as to where the person who is responsible for this debt resides. That information allowed them to locate this case and they stated that it was another individual who has the same spelling of their first and last name, but different middle names along with date of birth, and social security numbers. When requesting that they remove this XXXX on my residence as the debt is not mine and should therefore not be associated with my property, they informed me that they would review this case and make a decision though they could not provide details as the account does not belong to me. I would like this addressed and have this XXXX removed immediately as I have provided the appropriate information and they are fully aware that the case is not with me, but with another individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the reinsertion of XXXX accounts on my credit report : XXXX XXXX ( Account # : XXXX ) and XXXX XXXX XXXX  XXXX ( Account # : XXXX ). These accounts were reinserted without proper notification, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires written notification within XXXX business days of reinsertion. I did not receive any such notification, constituting a clear violation of my rights under the Fair Credit Reporting Act. Additionally, under 15 U.S.C. 1681e ( b ), all reported information must meet the standard of maximum possible accuracy. These accounts fail to meet this standard, causing substantial inaccuracies in my credit report. Moreover, they do not meet the requirements for a permissible purpose as outlined under 15 U.S.C. 1681b. These oversights reflect a failure to maintain compliance with federal regulations. Non-compliance with the FCRA is a serious matter. Even non-willful violations may result in damages, and Equifax could be held liable for at least {$1000.00} per violation. This issue has caused significant distress and financial harm. I hereby demand the immediate removal of these accounts from my credit report to prevent further damage. Furthermore, I request a detailed explanation of the reinsertion process, including the sources of verification used to justify this action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
All XXXX credit bureaus failed to properly address my disputes : and does not accurately convey all relevant information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
All XXXX credit bureaus failed to properly address my disputes : and does not accurately convey all relevant information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. 
I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America changed my bank card online today XXXX XXXX, 2025, they still havent addressed the issue of discrimination because my account has stayed in good standing with the banking institution. This is the reason I believe for all of the double charges, Nor have they compensated for the fair credit billing act violation that occurred. Nor The elderly financial abuse that Bank of America continue to display with me.

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 monetary relief
Consumer complaint received 2025-02-25 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: AZ

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the XXXX  place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly.

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 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After Contacting XXXX  I Called To Check On The Status Of My Loan Forgiveness But The Lady Informed Me That They Never Received Any Payments So I Contacted Cash App Customer Service But Nothing Was Available So I Requested For A Refund And They Were Denied. I Just Cancelled My Card and requested for a New card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: WA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Im frustrated by the inaccuracies on my report that are unfairly hurting my scores and costing me opportunities. These errors have led to rejections, higher rates, and setbacks I dont deserve. Its beyond frustrating to be held back by mistakes that shouldnt be there.

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 2025-02-25 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: AL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-02-25 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: AL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief