vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am a victim of Identity Theft, See attached FTC REPORT, Forms of Identity, and utility bill. Remove the following accounts per 605B of the FCRA.

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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom it May Concern : On a recent review of my credit report I discovered your company issued late payments on my credit report for XX/XX/XXXX. 

At the time I was living at : XXXX XXXX XXXX # XXXX XXXX XXXXXXXX CA XXXX and the State of California issued mandatory stay at home orders starting XX/XX/XXXX. These mandatory stay at home orders were in effect until XX/XX/XXXX. 

I am seeking to have these late payments completely removed from my credit profile due to government mandated lockdowns and it affecting my income as a result. 

You will notice I still have this car loan, have made all payments on time before and after, and will continue to do so. 

I can be reached at the mailing address on this letter and please have this resolved within 30 days of receipt. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX I received a letter from the National Credit System , Inc. about a debt that I supposedly had with XXXX XXXX XXXX. I NEVER HAD DEBTS WITH THAT PLACE. 
Prior to the National Credit System notice, I NEVER RECEIVED a call or letter from XXXX XXXX letting me know that I had an outstanding debt. The SUPPOSED DEBT was sent by XXXX XXXX directly to debt collection, which is incorrect and ILLEGAL. 
On XX/XX/XXXX, I went to the XXXX XXXX XXXX XXXX and asked the Office Manager for an explanation. After checking that I did not have any debt with this office, she made a copy of the letter and promised to resolve that problem with the debt collection office. APPARENTLY, SHE DID NOTHING. 
On XX/XX/XXXX, I received a notice from XXXX XXXX, one of the companies that monitor my credit and data security, where they report that my credit history had dropped XXXX points due to AN UNPAID DEBT. I immediately requested Credit Reports from XXXX and XXXX, where this debt appears unpaid, affecting my credit history. 
I do not have, nor have I had, outstanding payments TO ANYONE, least of all XXXX XXXX. I have had financing with different companies for two cars and a house, for several years, and I HAVE NEVER BEEN BEHIND PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
These companies unfairly and illegally place incorrect items below on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
Purchased a car and realized the company abuse my credit by asking more than one back for approval leaving me with way too many inquiries

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 2022-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received partial denial about fraudulent transactions with Amazon ( account # XXXX ). Chase stated that the claim was partially denied because there is a 60 day liability policy which takes effect beginning with the first posted dispute transection. Chase stated that any transaction after XX/XX/2021 is not disputable. Please provide a copy of Deposit Agreement section supporting 60 days requirement as I do not recall receiving the document when I opened the minor 's account. 

I would like to mention again that this is a XXXX XXXX XXXX account. My grandson is in an out of town XXXX XXXX and he did not use his account. He also has limited access to email. The idea of a bank is to guard the money deposited with them. A child with a XXXX XXXX account can not be expected to guard the money and report irregularities! 

My grandson should not be expected to guard the account from fraud. Chase should assume their responsibility for blocking fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
To Whom it May Concern : On a recent review of my credit report I discovered XXXX XXXX XXXX XXXX pulled my credit report without my signature authorization on : XX/XX/2021 I fully expect this to be removed from the 3 main credit reporting agencies of XXXX, Equifax, and XXXX immediately. 

Your failure to act will be this matter being referred to the Attorney Generals Office. 

I can be reached at the mailing address on this letter and please have this resolved within 30 days of receipt. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
To Whom it May Concern : On a recent review of my credit report I discovered XXXX XXXX XXXX XXXX XXXX pulled my credit reports without my authorization on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I fully expect these to be removed from the XXXX main credit reporting agencies of XXXX, Equifax, and XXXX immediately. 

Your failure to act will be this matter being referred to the Attorney XXXX XXXX. 

I can be reached at the mailing address on this letter and please have this resolved within 30 days of receipt. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Foris DAX, Inc.
State: LA

Complaint narrative:
I have been having problems since XX/XX/20 due to some fraudulent transactions that I have been claiming and also with the returns of the merchants towards the card I have been claiming and to this is added a deposit made by an XXXX  device that has already released me the money but it is not reflected in my valance what and I also have the history that it shows me in the app and comparing it with a state that I asked them to send me by mail and it does not agree in the two histories there are differences in this regard and also They do not add up the total balance to reflect what I am missing. I have enough evidence that they are doing fraud to clients since I got into the forums and they complain about the same thing that they are not clear, the institution that manages is CRYPTO.COM and the bank that handles the card in XXXX XXXX XXXX  and I have called them and only what they do they transfer me to Crypo.com and apart from all this the rewars have taken them out of those transactions but it is very good that they have not returned the money from those transactions there is a lot of disagreement regarding accounts and balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
To Whom it May Concern : On a recent review of my credit report I discovered XXXX XXXX XXXX XXXX XXXX pulled my credit reports without my authorization on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I fully expect these to be removed from the XXXX main credit reporting agencies of Transunion, XXXX, and XXXX immediately. 

Your failure to act will be this matter being referred to the Attorney XXXX XXXX. 

I can be reached at the mailing address on this letter and please have this resolved within 30 days of receipt. 

Thank you for your attention to this urgent matter.

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 2022-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
The account is an over draft protection line of credit with PNC. 
When attempting to pay off the amount of XXXX on XX/XX/XXXX, my checking account was charged twice for that amount. After several days, The numbers shown on my virtual account did not reflect that I had paid the amount back nor the effects of the second payment. 

I waited several days to see if the account would right itself and it never did. I called around XXXX on XX/XX/XXXX and was told an order had been put in to fix it, and it might take up to seven days. 

Within that time automatic payments have been taken out of my account and triggered overdrafts from a line of credit that was incorrect. 

I was told specifically on the call it was not my fault but a glitch that happens every so often. I was also told that it may take shorter than seven days because the fix is within my account. I was also told their was nothing I or they could do about the overdraft charges while the account is broken I find the wait time for them to fix their mistake is appalling. As is the continuation of charges to that line of credit for overdrafts that should not have happened if not for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello there are some addresses that should not be reporting to my credit report. I have filed a police report. I also have proof of documents for my real address. Showing my utility bill and SSN. Please remove the others for they are not accurate.

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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
Purchased a car and realized the company abuse my credit by asking more than one back for approval leaving me with way too many inquiries

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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
Purchased a car and realized the company abuse my credit by asking more than one back for approval leaving me with way too many inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/2022 at XXXX XXXX  XXXX XXXX, a login help feature resulted in multi factor authentication sent to my old phone number XXXX and was used successfully to gain access to my account. At that time a withdrawal was made from my 401k account in the amount of XXXX XXXX Money was also taking from my XXXX  account resulting in total loss of 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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
To Whom it May Concern : On a recent review of my credit report I discovered XXXX XXXX XXXX CO/CA pulled my credit report without my signature authorization on : XX/XX/2021 I fully expect this to be removed from the XXXX main credit reporting agencies of Transunion, XXXX, and XXXX immediately. 

Your failure to act will be this matter being referred to the Attorney XXXX XXXX. 

I can be reached at the mailing address on this letter and please have this resolved within 30 days of receipt. 

Thank you for your attention to this urgent matter.

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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
To Whom it May Concern : On a recent review of my credit report I discovered XXXX XXXX XXXX CO/CA pulled my credit report without my signature authorization on : XX/XX/2021 I fully expect this to be removed from the 3 main credit reporting agencies of XXXX, XXXX, and Experian immediately. 

Your failure to act will be this matter being referred to the Attorney Generals Office. 

I can be reached at the mailing address on this letter and please have this resolved within 30 days of receipt. 

Thank you for your attention to this urgent matter.

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 2022-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Advantage Credit, Inc.
State: NC

Complaint narrative:
The company, Advantage Credit , Inc located at XXXXXXXX XXXX XXXX  # XXXX XXXX, Co XXXX placed an inquiry on my credit reports, XXXX, XXXX, and XXXX dated XX/XX/2021. The problem is I have reached out to this company via certified mail and have yet to hear anything about why they, Advantage Credit Inc, placed an inquiry on my credit reports. I am asking for what the law requires which is proof I gave Advantage Credit , Inc permission to check my credit to do any business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian credit agency is leaving false information on a address that is not mines.

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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax is not letting me exercise my federally protected rights under 15 U.S.C 1681. Equifax last response lack documents and listing Im requesting. See attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, On a recent review of my credit report, I discovered XXXX  XXXX XXXX reporting the collection account referenced attached. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

Company response to consumer: Closed with explanation