vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.

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 2024-05-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An accurate account information I've disputed with Experian both my online, as well as my phone with no resolution. I continue to get Account has been updated per the FCRA. This Credit card account has the account number of a current XXXX XXXX account in excellent standing as I do not or have not had any delinquent accounts with XXXX  XXXX. It shows it was discharge in XXXX  XXXX, which is well not accurate. I found the ID theft report with XXXX submitted all proper documentation to Experian, as well as identity. Documentation requested them to block this account it has not been blocked from my credit report as required by their it has not been blocked from my credit report as required by the FCRA once identity theft has been reported. Any assistance or guidance you XXXX have I would greatly appreciate as I'm seeking legal counsel to file a civil suit, if not resolved.

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 2024-05-02 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: FL

Complaint narrative:
Vehicle was purchased then totaled by tornado 2 months later, GAP coverage was added at time of purchase. The dealership was responsible for sending the GAP payment to XXXX and did not. We followed up at XXXX 3 times. The last time we followed up the check was finally mailed, received and signed for by the recipient. However, XXXX had not been able to locate the check as of my phone call on XX/XX/24. Because the dealership did not mail the GAP refund check in a timely manner ( it took 3 months before they mailed it only for it to not be found ) the account was reported as delinquent. My credit score has been damaged because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I was playing a phone game, " XXXX XXXX '' through XXXX XXXX. They had issued refunds ( my withdrawals of money ) to my PayPal account which is reflective on my Paypal account. My credit card company, XXXX XXXX XXXX never received the attached refunds. I have been contacting both XXXX and PayPal and they continue to point the finger at each other. PayPal says XXXX needs to " approve '' the pending authorization for refunds. XXXX says it is automated and they do not see any pending refunds from Paypal. I need help. I have had XXXX and Paypal speak to each other three times and am calling them every other day. I do not know where else to turn..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX . Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX But I am not getting any response or completion of my request. I have also submitted the Innovis Credit Report Request Online form and NO SUCCESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: TX

Complaint narrative:
The information was deleted by Equifax because I am a victim of identity theft. The fraudulent accounts were XXXX XXXX XXXX accounts ending in XXXX and XXXX. Equifax removed the accounts and then reinserted them under XXXXXXXX XXXX with the same account numbers ending in XXXX and XXXX. Equifax did not send me information on the reinsertion which is required within 5 days a violation of FCRA rules and standards. I tried reaching out to XXXX but it is a defunct bank so not sure how they are reporting any information from that bank. Equifax is not honoring the rules of the Fair Credit Reporting Act. I have attached the Equifax reports showing they are reporting as XXXXXXXX XXXX which has NOT been in existence since XXXX of XXXX but is showing up on my credit report as of XXXX of XXXX!! I am demanding this information be removed from my credit report, immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GREENSKY OPERATIONS, LLC
State: FL

Complaint narrative:
RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Website : XXXX  Transaction Date : XX/XX/2024 Amount Paid : {$2.00} XXXX Payment Method : XXXX XXXX XXXX XXXX XXXX  I requested for the payment to go just to my principal balance. They told me that it can't be done and charge me interest even though I am ahead on my monthly payments. The interest charge was 9.9 % I was charged me {$93.00} Interest. I want that {$93.00} applied to my principal. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: TX

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: TX

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for 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 non-monetary relief
Consumer complaint received 2024-05-02 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: WI

Complaint narrative:
I have XXXX hard inquiries on my credit report. 

I reported fraud XXXX times with the FTC. Files XXXX police reports as well. 

XXXX with XXXX XXXX and XXXX Police XXXX. 

I would like to have the inquiries removed. 

Also there is XXXX item that is not my account with Portfolio Recoveries Acct # Accounts # XXXX and XXXX. 

Please help as I have sent in a request to XXXX on XX/XX/year> and was requested to send the original letters. I sent it again on XX/XX/year> and XX/XX/year>. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: WI

Complaint narrative:
I have XXXX hard inquiries on my credit report. 

I reported fraud XXXX times with the FTC. Files XXXX police reports as well. 

XXXX with XXXX XXXX and XXXX Police XXXX. 

I would like to have the inquiries removed. 

Also there is XXXX item that is not my account with XXXX XXXX Acct # Accounts # XXXX and XXXX. 

Please help as I have sent in a request to XXXX on XX/XX/year> and was requested to send the original letters. I sent it again on XX/XX/year> and XX/XX/year>. 

Thanks

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 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Somehow my boyfriend who I am not married to debt collector keeps calling me. 
I've informed them 3 times, I am not the person they are looking for

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: NY

Complaint narrative:
XXXX, XXXX and transunion failed to provide factual documents about these accounts on my personal account Transunion -Address of XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX -Failed to provide factual information about XXXX XXXX  account # XXXX -Failed to provide factual information about XXXX  XXXX account # XXXX -inquiry from XXXX XXXX  XXXX XX/XX/XXXX XXXX -Failed to provide factual information about XXXX XXXX  account # XXXX XXXX XXXX from XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2024-05-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX, equifax and XXXX failed to provide factual documents about these accounts on my personal account XXXX -Address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Failed to provide factual information about XXXX XXXX account # XXXX -Failed to provide factual information about XXXX  XXXX account # XXXX -inquiry from XXXX XXXX XXXX XXXX XXXX -Failed to provide factual information about XXXX XXXX account # XXXX Equifax XXXXinquiry from XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: PA

Complaint narrative:
I was reviewing my credit report and noticed hard inquiries that do not belong to 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 non-monetary relief
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
There are some fraudulent inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Upon checking my consumer report, I have become aware of this error, false and misleading information of this collection account : Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Additional Address listed Midland Credit Management XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX MI XXXX under the FCRA request, Failed to provide legal validation & verification from my request on XX/XX/2024 & XX/XX/2024 sent via XXXX XXXX XXXX to Midland Credit Management, this is ruining my reputation, caused XXXX XXXX XXXX and is damaging my XXXX XXXX by keeping me from getting new credit for personal family and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce deletion of this account. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: SC

Complaint narrative:
On XX/XX/year> me, XXXX XXXX, and my boyfriend XXXX XXXX went to his bank which is Chase Bank located on XXXX XXXX XXXX XXXX XXXX, SC, XXXX to see if I could deposit MY settlement check of XXXX into his bank. The lady told us yes. So I signed it first then he signed it. The bank teller asked for my ID and I gave it to her. She confirmed and deposited the check in his account and the receipt said it will be released on XX/XX/year>. So we fast forward to XX/XX/XXXX and he tries to send me my money to my account, it's not letting him. So we went to the Chase Bank again and when he tried to take the money out using the ATM it told him he had to call a number to verify it was me AGAIN. So he calls the number and they try to verify me using an old number from XXXX plus years ago that they found using a third party system. So we give them my updated number which is XXXX. They said they can't verify using that number because when they look that number up it's not showing my name it's showing someone else 's name. They told us to call my phone company which is XXXX and fix it in their system. After the fourth time calling XXXX  someone finally knew what I was asking of them and fixed it. They said it will take 72 hours to update. So we call XXXX on Monday XX/XX/XXXX and they tell me the number is still popping up as someone else 's name. So now we fast forward to XX/XX/XXXX at XXXXXXXX XXXX I decided to look up my number to see if it was updated in the public database and it was. I even got a screenshot to prove it did. Then all of a sudden 15 seconds later my browser refreshed itself and it went back to the previous persons name. So now we fast forward to XX/XX/XXXX we called Chase Bank back and a supervisor was able to fix it and he put in a request to open the account and told us to call back on Monday the XXXX. So we called back on Monday the XXXX and the lady said the request wasn't approved or denied and they had to contact the supervisor and said they will send him an email to see what he did and they will call back once they get a reply from him. So here we are on Tuesday XX/XX/XXXX and the lady ended up seeing my name on the number so she was able to verify it was me that gave permission to deposit the check and she told us that the cashier check would take 1-2 business days so by Thursday I should have it. Well I never received it so we call back and they said that it's actually 1-10 business days once it gets approved. So I said ok. Then they call back today to say the check was declined because when they look up the number it now doesn't show any name under my number. This has been going on for almost a month now and I have no money for ANYTHING. I have XXXX little kids under XXXX and no money to pay for my bills. This is an urgent matter as I am close to losing apartment. Now this is his account so if they need to call him, his number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation