vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 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: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
I did not authorize these companies to run my credit and would like them removed please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: Heritage Financial Group, Inc.
State: IL

Complaint narrative:
I did not authorize these companies to run my credit and would like them removed please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: TN

Complaint narrative:
I disagree with the inquires listed in my consumer report which still appears on my credit report, even after your Investigation. I would like these inquiries immediately re-investigated. The inaccuracies are highly injurious to my credit score ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, The report is even addressing me as XXXX XXXX which is not my name. I have attached a copy of my current state identification along with proof of residence and FTC report. And the results from this initial investigation. 


please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
According to the IRS, an unpaid charge off is income. According to the FCRA, income can not be reported on a credit report. I have received a 1099-C for the account listed here : ( Account numbers XXXX XXXX XXXXXXXX. After checking a copy of my most recent report, it appears this account is still being reported. 
This account can not be reported on my credit report ( according to law ), not even to mention violation of 15 US Code 1601b. I demand these accounts to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am deeply frustrated by the response from the credit reporting agencies regarding the investigation of these accounts, which they claim came back as verified. However, this assertion baffles me, as my credit report still contains multiple inaccuracies. 

As a conscientious consumer, I have the right to understand the thoroughness of the verification process conducted by your agency, as stipulated under 15 U.S.C 1681i ( 7 ) Method of Verification. I demand a detailed account of every step taken to ensure the 100 % accuracy of these disputed items. 

It is unacceptable that despite these purported investigations, my credit report continues to reflect discrepancies. I urge your agency to rectify these errors promptly and provide me with the comprehensive documentation I am entitled to under the law.

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 2024-07-09 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. 

I looked at my Transunion report on XXXX XXXX and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer report it follows reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates according to 15USC 1681 ( e ) ( b ).

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 2024-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I am getting phone calls several times throughout the day starting at XXXX every single day. They only leave one message per day but I get 3-5 calls every day. 

Im also curious to know if its legal for them to continue to call once the debt has been sent to collections.

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 2024-07-09 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: MI

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2024-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
According to 12 CFR 1006.34 ( b ) ( 5 ), during the validation period, a debt collector can not engage in any collection activities that overshadow or are inconsistent with the disclosure of the consumer 's rights to dispute the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX violated my consumer rights by reporting inaccurate information to consumer reporting agencies i.e., Equifax, XXXX, and XXXX. XXXX XXXX XXXX XXXX did not mail or deliver a statement disclosing a payment was due 21 days before the payment was due to settle the account balance. 

15 U.S. Code 1666b - Timing of payments requires XXXX XXXX XXXX XXXX to mail or deliver a statement no later than 21 days before the payment is due to settle the respective account. 

Inaccurate Information Reported by XXXX XXXX XXXX XXXX Between XX/XX/XXXX, and XX/XX/XXXX " 30 Days Late '' Between XX/XX/XXXX, and XX/XX/XXXX " 60 Days Late '' 1 inaccurate late payment was reported in XXXX. 
XXXX inaccurate late payments were reported in XXXX. 

XXXX XXXX XXXX XXXX is also violating 15 U.S. Code 1681a - Definitions ; rules of construction by reporting transactions and or experiences between the consumer : XXXX  XXXX  and the person : XXXX XXXX XXXX XXXX. Payment history is considered a transaction between the consumer and the person. On time, missed, and late payments are considered experiences between the consumer and the person. Both transactions and experiences are listed as exclusions in 15 U.S. Code 1681a - Definitions ; rules of construction.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I do not consent to electronic statements, and or notifications. All correspondence shall be sent to the consumer via letter mail no later than 21 days before the payment is due on the account. 

I understand that mistakes can occur during business transactions and that is the reasoning for my correspondence to XXXX XXXX XXXX XXXX. Thank you for your time and consideration. 

Dated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX violated my consumer rights by reporting inaccurate information to consumer reporting agencies i.e., XXXX, XXXX, and Experian. XXXX XXXX XXXX XXXX did not mail or deliver a statement disclosing a payment was due 21 days before the payment was due to settle the account balance. 

15 U.S. Code 1666b - Timing of payments requires XXXX XXXX XXXX XXXX to mail or deliver a statement no later than 21 days before the payment is due to settle the respective account. 

Inaccurate Information Reported by XXXXXXXX XXXX XXXX XXXX Between XX/XX/XXXX, and XX/XX/XXXX " 30 Days Late '' Between XX/XX/XXXX, and XX/XX/XXXX " 60 Days Late '' 1 inaccurate late payment was reported in XXXX. 
2 inaccurate late payments were reported in XXXX. 

XXXX XXXX XXXX XXXX is also violating 15 U.S. Code 1681a - Definitions ; rules of construction by reporting transactions and or experiences between the consumer : XXXX XXXX and the person : XXXX XXXX XXXX XXXX Payment history is considered a transaction between the consumer and the person. On time, missed, and late payments are considered experiences between the consumer and the person. Both transactions and experiences are listed as exclusions in 15 U.S. Code 1681a - Definitions ; rules of construction.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I do not consent to electronic statements, and or notifications. All correspondence shall be sent to the consumer via letter mail no later than 21 days before the payment is due on the account. 

I understand that mistakes can occur during business transactions and that is the reasoning for my correspondence to XXXX XXXX XXXX XXXX. Thank you for your time and consideration. 

Dated : XX/XX/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 explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Checkr, Inc
State: CA

Complaint narrative:
As a nurse I am required to have a clear background check and I have. A company called Checkr is being used by my new employer XXXX. Upon receiving my results I observed a notification that was sent to my employer for special attention a XXXX level XXXX attached to someone elses name. Although the company has my correct social security number and my correct nursing license number, they have somehow attached someone elses name and background. Although I have attempted to have the situation corrected I was informed that they will investigate and if needed correction are only undated every 30 days. This error which is most definitely not at all attached to me has caused my company to not allow me the ability to work and make money to feed my kids or pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: AZ

Complaint narrative:
i was reviewing my Experian credit report and noticed some inaccurate information regarding my payment information on acct # XXXX with 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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Dear Mam or Sir I ordered merchandise at Macy 's in XXXX XXXX. 
The order number is XXXXThey  gave me tracking number. The estimate delivery date was XX/XX/year> so i checked on that day. The delivery status was delivered. Also, I received XXXX mail from Macy, s XXXX XXXX which is my package is delivered. But my package was not front of my door. It was missing. The XXXX deliverer left my package So i called Macy 's customer services and i told this issue to the representative. The representative said that i can get credit within XXXX business days. But it was not. I had to call XXXX more times but never resolved my issue. Finally, I dispute my transaction XX/XX/year>. 
I received mail around first week of XXXX from Macy 's billing adjustment department, they said my information i provide about the dispute with the information, it wasn't enough to support my clam and resolve the dispute, They said, " If we do not receive the minimum payment by due date shown on your billing statement, we may report my account as past due to the consumer reporting agencies ''. When happen same issue do consumer have to responsibility? I think that this is not fair. 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 monetary relief
Consumer complaint received 2024-07-09 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: MS

Complaint narrative:
I am not liable for this debt with XXXX XXXX, they did not provide me with the original contract as I requested.

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 2024-07-09 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: MA

Complaint narrative:
I am writing to dispute multiple unauthorized hard inquiries on my credit report. I have identified XXXX inquiries that I did not authorize. These inquiries are negatively affecting my credit report. The inquiries in question are as follows : XXXX. XXXX XXXX XXXX - Inquiry Date : XXXX - Type : XXXX XXXX- Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX - Inquiry Date : XXXX - Type : XXXX XXXX  XXXX XXXX Phone Number : ( XXXX ) XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Inquiry Date : XXXX - Type : XXXX XXXX XXXXXXXX XXXX XXXX Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX** - Inquiry Date : XXXX - Type : XXXX XXXX XXXXXXXX XXXX XXXX Number : ( XXXX ) XXXX XXXX. XXXX XXXX - Inquiry Date : XXXX - Type : XXXX XXXX XXXX- XXXX XXXX XXXX ( XXXX ) XXXX XXXX. XXXX XXXX - Inquiry Date : XXXX - Type : XXXX XXXX  XXXX XXXX XXXX Number : ( XXXX ) XXXX XXXX. *XXXX XXXX  XXXX - Inquiry Date : XXXX - Type : Bank Credit XXXX XXXX XXXX Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XXXX - Type : XXXX XXXX  XXXX XXXX Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit XXXX XXXX Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit XXXX XXXX XXXX Number : XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry Date : XXXX - Type : XXXX XXXX XXXX XXXX XXXX Number : ( XXXX ) XXXX XXXX. *XXXX XXXX XXXX** - Inquiry XXXX : XXXX - Type : All Banks - non-specific - Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XXXX - Type : XXXX XXXX  XXXX XXXX XXXX Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and, if the information can not be verified, remove these inquiries from my credit report. These inquiries were made without my permission and I did not authorize them. 

Please take the appropriate actions to rectify this situation and confirm in writing that these inquiries have been removed from 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 2024-07-09 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: CA

Complaint narrative:
On XX/XX/XXXX, my business debit card was charged {$200.00} at a county fair some XXXX miles away from my home. I did not use or authorize this transaction to be made and upon discovery of the charge, contacted my bank ( XXXX Chase Bank XXXX XXXX. XXXX. They immediately disabled/froze/canceled my business debit card and issued a new one which arrive a few days later in the mail. They also refunded the {$200.00} and started an investigation into the charge. Yesterday, XX/XX/2024, they notified me that the vendor " XXXX XXXX XXXX XXXX XXXX '' had responded to their " investigation '' and this is the response I got from my bank : " The merchant provided us with documents showing that benefit was received from this transaction, we do apologize but unless you can provide us with documents to assist with your claim, the denial stands. '' Because of their " investigation '' that the vendor ( the XXXX ) had given someone {$200.00} and used my Business Debit Card in obtaining that money, I should have to forfeit that money UNLESS I CAN PROVE I DID NOT DO IT. By requiring me to " provide us with documents to assist the claim '', they are asking me to PROVE A NEGATIVE. Something that can not be done. 

I am XXXX XXXX XXXX, in poor health and even poorer XXXX condition. Why would I go XXXX miles to go to a county fair and use my BUSINESS DEBIT CARD?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: PA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed 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 2024-07-09 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: PA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed 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