vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-08 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: OH

Complaint narrative:
I am concerned about an account now being reported on my Equifax credit file. This demand is based on the fact that Consumer Adjustment Company Incorporated has failed to validate the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 

I sent a cease and desist letter to XXXX XXXX XXXX XXXX, requesting validation of the alleged debt. As of this date, they have not supplied any documents or evidence to substantiate the validity of this debt. Under the FDCPA, a debt collector must cease collection efforts until the debt has been validated. Therefore, the continued reporting of this unvalidated debt is in direct violation of federal law. 

Furthermore, it is Equifaxs responsibility to ensure the accuracy and validity of the information it furnishes in consumer credit reports. By continuing to report this unvalidated and disputed account, Equifax is failing in its duty to maintain accurate and fair credit reporting standards. The presence of this unsubstantiated collection account on my credit report has caused significant harm to my credit standing and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Phone number keeps trying to contact me looking for someone I do not know, I have repeatedly told them that I do not know the person they are looking for and they continue to call everyday and sometimes from different numbers are realizing that I have blocked them. I want the calls to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: FL

Complaint narrative:
Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

XXXX ... .Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX..DATE OF INQUIRY XX/XX/XXXX XXXX..DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX ... DATE OF INQUIRY XXXX XXXX, XXXX XXXX XXXXDATE OF INQUIRY XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: TN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-08 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: TN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
BUREAU IS REPORTING IN-ACCURATE ADDRESSES TO MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of XXXX XXXX and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the XXXX  of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX Affidavit. Please delete the items as soon as possible.

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 2024-07-08 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of XXXX XXXX and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the XXXX  of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
The problem here is PayPal, as a credit card processor. 

Back in XXXX, I saw two XXXX charges from a merchant with whom I have recurring charges. I didn't know what they were, so I tried to contact the merchant and my son ( who uses that account ) but couldn't reach either. After a week, I disputed the charges, which led to a chargeback. 

Later, my son told me he did want the charges. I called XXXX to cancel the chargeback. They did so and credited the merchant. However, PayPal, the processor of the credit card charge, still shows it as outstanding. 

PayPal claims they never heard from XXXX and keeps telling me to contact my financial institution. XXXX has sent me proof, but PayPal will not examine it. 

Because PayPal won't clear the chargeback, my son 's data is locked, affecting both professional and personal data valued at least XXXX figures. 

I'm filing a complaint to prod PayPal into finally clearing the chargeback, as they should have done when XXXX notified them in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: DE

Complaint narrative:
I went over my credit report ( XX/XX/year>2024 ) and noticed inaccurate information reporting on my credit. My credit report is reporting I was late for an car loan account which I was never late for. I reached out to the creditor as well as the credit bureaus and requested material evidence supporting that I was ever late for this account. I asked for proof via statements, late payment warnings, anything that can validate this inaccurate information reporting on my credit report which nothing has been supplied by neither creditor or credit bureaus. I really feel as though the credit bureaus are neglecting their responsibilities under the FRCA as far as investigating and substantiating the errors and the consumers are suffering as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX. XXXX XXXX XXXX XXXXXXXX {$120.00} Credit limit {$300.00} Open Date XX/XX/year> I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: VA

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: VA

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-07-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: MA

Complaint narrative:
I was gifted a prepaid Visa gift card on the XXXX of XX/XX/year>. On XX/XX/XXXX I registered the card at the required site ( XXXX ). The correct amount of funds seemed to appear. I then attempted to use the card for a purchase on XXXX. This purchase failed. I then attempted a purchase using XXXX, and it failed again. Then I attempted to add the card to a XXXX account to see if it could be used that way, and it get declined for every purchase. I called the customer support number listed on the back of the card. The customer support agent notified me that the merchant " can not attempt to store the card info. That will make the purchase fail. ". But that's nonsense because every online merchant stores debit card information. So I attempted to use the card at a local store and it failed again. At no point did I ever attempt to make a purchase that exceeded the amount loaded onto the card. I believe that the entire service is an outright scam at this point.

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 2024-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
An unauthorized transaction of {$800.00} Through applepay and I notified them as well they advised me to notify my bank chase. 
A temporary credit was given and a reversal of funds was done and the reason cause I had made multiple transfers, I did to my daughter but one was one not authorized @ all. 
Thats not a proper investigation @ all,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it

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 2024-07-08 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting ActThe list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX  # XXXX, XXXX # XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A .States I have the right to privacy.15 U.S.C 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: IL

Complaint narrative:
I have reached out to Wakefield & ASSOCIATES VIA PHONE AND EMAIL after I noticed on my credit report is an outstanding balance from the company, I never had an agreement with or signed any documents with. I call and spoke with XXXX on XX/XX/XXXX and XX/XX/XXXX letting them know that what they are reporting is incorrect and that I call to the hospital XXXX XXXXXXXX XXXX XXXX XXXX XXXX which is the same company and spoke this the billing department. I was told I have no balance with them, and they will send me the document. I told XXXX what the billing department told me which is I have XXXX balance with the companies. I asked him for his first and last name for record purpose he did not give me a last name he told me to email them to file for a dispute if what they are reporting is wrong, they will reinvestigate and remove and they will respond to me via email in XX/XX/XXXX hours. I never received an email. please help me get this false information removed from my credit report this is affecting my financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: PA

Complaint narrative:
recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain credit-bit is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 2024-07-08 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: MD

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: CO

Complaint narrative:
To Whom It May Concern : On XXXX XXXX 2024 I was forwarded a debt collection notice from Continental Service Group XXXX addressed to a company I once managed that officially closed down on XXXX XX/XX/XXXX. The notice stated that Continental Service Group was acting on behalf of the IRS to collect a business debt of {$580.00} + penalty and interest supposedly incurred for a tax payment due in the XXXX quarter of 2021. In fact, full payment of that tax had been made on XXXX XX/XX/XXXX as the enclosed attachment will show. Obviously, either the IRS or Continental Service Group had failed to check the official data before sending out the debt collection notice nearly XXXX  years later. My initial reaction was that this was a scam which would have triggered much unnecessary conflict. However, it now appears to have been simple negligence that has cost me substantial time to dig up the historical documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: NJ

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Fraudsters initiated chargeback to my account totaling XXXX. My checking account was comprised and chase bank allowed these reversals to my account plus the fraudsters deposited XXXX in check by mobile deposit. When I became aware of the activity I reported it to my bank and close my accounts. The bank gave me a new checking account and paid my creditors but are charging me for the balance. They allowed these people to infiltrate my account and expect to pay the balances

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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 sent my letter off on XX/XX/year>. I told the credit bureaus to investigate every piece of information on the account I have listed below. Also I have attached the letter I sent out and here is the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 

According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 



Account 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 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 XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged 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 XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challengeXXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

Company response to consumer: Closed with explanation