vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: GA

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiries on my Equifax, XXXX and XXXX credit report. My latest credit report shows XXXX hard inquiries that I did not authorize 15 U.S. Code 1679c XXXX Inquiry XXXX XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX Inquiry : XX/XX/XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX Inquiry : XX/XX/XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XX/XX/XXXX + Automotive XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX + XXXX  XXXX  Inquiry : XX/XX/XXXX + Finance/Personal XXXX XXXX Inquiry : XX/XX/XXXX + Banks XXXX  Inquiry : XX/XX/XXXX + Banks XXXX XXXXXXXX Inquiry : XX/XX/XXXX + Banks XXXX XXXX Inquiry : XX/XX/XXXX + Banks XXXX XXXX : XX/XX/XXXX + Finance/Personal XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal COAF Inquiry : XX/XX/XXXX + Finance/Personal XXXX XXXX  Inquiry : XX/XX/XXXX + Finance/Personal XXXX Inquiry : XX/XX/XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX Inquiry : XX/XX/XXXX XXXX Banks XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal XXXX XXXX Inquiry : XX/XX/XXXX + Automotive XXXX XXXX Inquiry : XX/XX/XXXX XXXX Finance/Personal I have no knowledge of the collection accounts below nor did i authorize on my behalf. 
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$440.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$3600.00} Needs Attention below is a ftc report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiries on my XXXX, Experian and XXXX credit report. My latest credit report shows XXXX hard inquiries that I did not authorize 15 U.S. Code 1679c XXXX Inquiry XXXX XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX Inquiry : XXXX. XXXX, XXXX + Automotive XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal XXXX Inquiry : XXXX. XXXX, XXXX + Travel/Entertainment XXXX Inquiry : XXXX. XXXX, XXXX + Travel/Entertainment XXXX Inquiry : XXXX. XXXX, XXXX + Banks XXXX Inquiry : XXXX. XXXX, XXXX + Travel/Entertainment XXXX XXXX Inquiry : XX/XX/XXXX + Automotive TXXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Finance/Personal XXXX Inquiry : XX/XX/XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX Inquiry : XX/XX/XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XX/XX/XXXX + Automotive XXXX XXXX CA XXXX XXXX XX/XX/XXXX + Automotive XXXX Inquiry : XX/XX/XXXX + Finance/Personal XXXX XXXX Inquiry : XX/XX/XXXX + Banks XXXX  Inquiry : XX/XX/XXXX + Banks XXXX  XXXX Inquiry : XX/XX/XXXX + Banks XXXX XXXX  Inquiry : XX/XX/XXXX + Banks XXXX XXXX : XX/XX/XXXX + Finance/Personal XXXX XXXX  Inquiry : XX/XX/XXXX + Finance/Personal XXXX  Inquiry : XX/XX/XXXX + Finance/Personal XXXX  CRE Inquiry : XX/XX/XXXX + Finance/Personal XXXX Inquiry : XX/XX/XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX Inquiry : XX/XX/XXXX XXXX Banks XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal XXXX XXXX Inquiry : XX/XX/XXXX + Automotive XXXX XXXX Inquiry : XX/XX/XXXX XXXX Finance/Personal I have no knowledge of the collection accounts below nor did i authorize on my behalf. 
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$440.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$3600.00} Needs Attention below is a ftc report attached.

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 2024-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft. Fraudulent accounts and unauthorized information remain on my credit reports despite multiple disputes filed with the credit bureaus. These accounts were opened and reported under my name and Social Security number without my knowledge or consent. I have submitted an FTC Identity Theft Report and supporting documentation to confirm this fraud. 

The accounts that remain unresolved are : XXXX XXXX  XXXX - Account ending in XXXX XXXX - Account ending in XXXX XXXX - Account ending in XXXX XXXX XXXX XXXXXXXX XXXX Account ending in XXXX XXXX - Account ending in XXXX XXXX XXXX - Account ending in XXXX XXXXL XXXX - Account ending in XXXX XXXX - Account ending in XXXX Despite my numerous disputes and repeated submissions under the Fair Credit Reporting Act ( FCRA ) Section 605B, the credit bureaus have failed to block and remove these accounts within the required timeline. Additionally, incorrect addresses, name variations, and other personal data associated with these accounts continue to appear on my reports, further compounding the damage caused. 

This continued reporting of fraudulent information violates my consumer rights and has caused severe harm to my financial standing, mental health, and overall trust in the credit reporting system.

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 2024-12-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alpine Credit, Inc
State: MI

Complaint narrative:
i've requested a debt verification letter multiple times from Alpine Credit Agency regarding the debt they claim I owe but they have not sent it. I have disputed the collections through XXXX, but every single time I dispute it, they verify the information is accurate and yet I yet have to receive a letter detailing the debt. The balance keeps increasing. They also haven't attempted to contact me by phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Macy 's credit card ( through CITI bank ) keeps constantly calling me to collect debt. I told them I am injured and can't work, so I can't pay the card. Initially, when I tried to contact them, their system wasn't allowing me to send them messages to report this problem. This is their problem, which they caused with an email system that was broken. 

I told them today to quit calling all the time. They call me XXXX  times a day at least and won't stop bothering me. I have tried to block them, but it doesn't work. 

They call from XXXX. 

XX/XX/year>, they called at : XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/year>, they called at : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  They call every day and will not stop!

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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-12-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-17 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: PA

Complaint narrative:
I was disturbed to see inquiries from your company that I never approved. These inquiries are harming my credit and causing me significant stress.

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 2024-12-17 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: FL

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  I noticed that there was suspicious activity on my Cash app leaving my balance in the negative. Upon looking at the transactions, I seen a pending transactions for particular merchant journeys for {$74.00} and also a completed transaction of {$74.00} from journeys at XXXX XXXX  XX/XX/XXXX. The pending transaction actually was completed on Saturday on XX/XX/XXXX because it was withdrawn from my balance. Now I contacted Cash App support to immediately dispute this transaction due to the negative on my account and was told that I had to wait XXXX  days or XXXX business days for the hold to come off of my account for this particular merchant so essentially I have been charged twice for thismerchant and cash app was not able to assist on disputing to get my account out of the red. The agent I spoke to was named XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: CA

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 neg
ligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-12-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Community Capital Bank, which handles credit cards for XXXX, has falsely charged me late fees and interest on a credit card charge that I paid in full on XX/XX/year> - XXXX days before the first due date on XX/XX/year>. Details : I called Comenity 's phone billing system on XX/XX/XXXX, gave my bank 's routing and account numbers and received a message that I had paid my bill in full - {$160.00}. I got a new invoice in XXXX claiming the invoice was never paid and showing late fees and interest charges of {$81.00}. Upon receiving the XXXX invoice I was shocked and l immediately called Comenity and asked about the suspicious charges. The first representative hung up on me. The second representative explained their records confirmed that I did call on XX/XX/year> to pay my bill through their phone service. She then claimed I did not give them the correct numbers -- that XXXX were missing. I'm disputing their version. They NEVER called or contacted me about the so-called " error. '' Instead, they remained silent and slapped me with all these fees. During my XX/XX/XXXX protest call to Comenity I paid my original bill {$160.00} AGAIN for the second time and even spoke to a supervisor - XXXX, # XXXX. I always pay my bills on time. Check my credit report. I'm an active, conscientious, mentally-sharp, honest XXXX old retired person and this is the first time in my life l 've ever been accused of giving incorrect routing and account numbers to any retailer or financial institution. Discover for yourself - Call me and talk to me! I'm a homeowner and active in many civic organizations. This is fraudulent. I also canceled my XXXX credit card. I filed a complaint with XXXX case # XXXX. I want Comenity to drop all late fees and interest fees. I have paid my bill in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX - XXXX - {$2000.00} XXXX XXXX XXXX - {$0.00} Inquiry XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: IL

Complaint narrative:
On XXXX I was checking on an Airline reservation i made weks earlier and paid {$100000.00}. Somehow was connected to XXXX. they immediately asked for my credit card #, then saying everything is confirmed. I then noticed they charged me {$1000.00}. Strange- I never authorized it. I called my bank. On XXXX spoke to XXXX at XXXX. he apologized, said it was a mistake, sent me a refund email, promised by XXXX XXXX XXXX I would receive the XXXX. Well on XXXX ; no refund. I called XXXX XXXX told me he would escalate the refund. XXXX XXXX calls says he will look into refund will call me back on XXXX hour, he never calls, I call again XXXX says aging he will call me back XXXX minutes he never calls. I then call my chase bank to reopen the dispute, because this is fraud a scam I never approved this charge, I never received any services, tickets, from XXXX. they are a scam. After I sent in writing to Chase bank to reopen the dispute they responded that I will be charged the {$1000.00} that my dispute was NOT VALID. I sent them all my documents. And they said not a valid dispute. That is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNT : XXXX XXXX  Account Number : 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