vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The inaccurate information above was never verified to be in line with official reporting standards. The information above was never confirmed to be accurate, complete, timely, or valid. You must provide proof of compliance with reporting standards and applicable consumer laws. The information above is insufficient. I demand that inaccurate, incomplete, and unverified information be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MO

Complaint narrative:
Impersonated me according a letter XXXX XXXX stating I requested validation of debt and in turn they have reported disputes on behalf of the consumer to all ages. I have never attempted nor made any contact with this company. They have committed fraud by impersonating me and taking actions on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I received a credit alert that my credit was pulled. I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. JPMCB Auto Finance XX/XX/2023 XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I have contacted the following companies and they referred me to the credit bureau for this issue. They would not remove the hard inquires. I have stated that I did not apply or give them authorization to pull my credit. 

Please validate this information with these companies and provide me with copies of documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquires be immediately deleted from the credit file that you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I wrote to Equifax Information Services on XX/XX/2023, asking for validation of debt according to section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act for XXXX XXXXXXXX XXXX  account number XXXX. I demanded verifiable proof ( an original consumer contract with my signature, Pay-off Discloser, Interest Rate Discloser, Balance History, Payment History, and Credit Insurance ) . I never received the proof or any status of an open dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
I received a credit alert that my credit was pulled. I noticed credit inquiries that I did not authorize, made by the following companies : 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 XXXXXX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2023-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
XXXX XXXX of XXXX XXXX sought me out on XXXX XXXX poses as a health coach who could help alleviate my XXXX I have XXXX XXXX. I know people target us for scams. I was skeptical at first but after a week of texting I thought I would give his supplements a try. I have screenshots of the conversation. I did not order through the website. I agree to send {$50.00} for product with {$10.00} shipping totaling {$60.00} that I cash app paid around XX/XX/XXXX. I chose cash app because they advertised to be against fraud. I usually use XXXX. I waited a week and asked if there was tracking. XXXX told me I had to pay another {$50.00} for fragile insurance. I sent a photo of the usps insurance and told him I dont understand why he didnt mention that a week ago when I ordered and I asked him to refund my money because Im XXXX and I cant afford it. He denied me and at that moment I knew I was being scammed. I attempted to call cash app and didnt get very far. XXXX I called my XXXX XXXX  and put in an investigation reversal claim. The money was back in my account XX/XX/XXXX. I was told hold on to proof because they will need it to come to a resolution. Just last week I noticed the {$60.00} that was reversed back to my account was given back to XXXX XXXX. I called cash app 3 times. They said a manger would email me and they never did. It was a very difficult and impossible process to be listened to. I asked cash  app and XXXX how they can conduct an investigation without speaking to me or notifying me. XXXX told after the fact I had lost the money again the third party cash app was responsible. So XXXX lied and cash app never contacted me. They investigated from XXXX XXXX XXXX without any notification. Because it was completed nobody would do anything to assist me with flagging the scammer. He received no penalization for stealing my money. I never received my product and he asked for more money via whats app. I went through the steps and cash app sided with the scammer. Since then I request the money back from XXXX by begging. I feel like he is scamming other people out of money. His website is XXXX I reported him on XXXX and the government scam fraud website along with cash app. I kept searching for other ways to stop the o justice and I found this claim center listed under XXXX XXXX. I have yet to place a police report but I plan to. I have proof and cash app wouldnt assist me. Their XXXX XXXX is very limited. Allowing fraudulent scammer like this person to flourish.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am not sure how old this debt is I believe from XXXX or XXXX for XXXX. I have tried to resolve the issue over and over by talking to Midland Credit Management and explained to them that I do not have a job right now. I have been looking but to no avail at the moment. They continue to try to set up a payment plan and have threatened to sue me for it a couple times, recently sending an email about it today. The amount is {$1600.00} Actions taken were I did pay once before I lost employment and haven't been able to since, they have called a lot from different XXXX numbers and emailed me with a legal notice if I don't pay or hear from me by XXXX XXXX. I have talked to them by phone and they keep trying to get another debt that they are not trying to sue me for which is for XXXX XXXX for {$670.00} When I mentioned about the XXXX debt they refused to go over to it because they wanted me to set up a payment plan for that one as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$56.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$6.00} ; XXXX XXXX Balance Owed : {$15.00} ; XXXX XXXXXXXX Balance Owed : {$5600.00} ; XXXX XXXX XXXX Balance Owed : {$29000.00}.

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 2023-06-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The vehicle I had a loan on with XXXX XXXX was deemed a total loss by my insurance company ( XXXX ). XXXX XXXX marked that loan as a charge off when it was not. I followed all the procedures in the title procurement process that coincides with a vehicle being totaled out. They gave a letter of guarantee to my insurance company for the balance requested to pay off the loan. It was marked on my credit report as a charge off in XXXX of XXXX  ( date of loss was XX/XX/ ) I received my payment XX/XX/ and XXXX did not pay them until XX/XX/. Upon which they kept the status of a charge off and then marked it as a " paid-charge off ''. This account should not have been marked as a charge off at all and even if they got the payment late they could have at least corrected their mistake then and marked it as a paid-satisfactory account. This mark has significantly affected my credit as well as making it very difficult to get another vehicle which I still have yet to be able to do since the accident. I would like this fixed immediately as getting the payment from my insurance company for the vehicle payoff was out of my hands to control.

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 2023-06-24 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: NV

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc.
State: FL

Complaint narrative:
I have called the company multiple times notating that my rights were violated when purchasing the car. I was not offered insurance during purchase. The rates are currently too high and they have disregarded my rights. Under truth lending 15 US code 1605 determination of finance charge. I will settle the for the title of my vehicle and refund the amount I have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

The letters are stated with items and issues. 

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 instructions 15 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 non-monetary relief
Consumer complaint received 2023-06-24 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: TX

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

The letters are stated with items and issues.

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 instructions 15 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 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: Experian Information Solutions Inc.
State: TX

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

The letters are stated with items and issues.

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 instructions 15 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 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 2023-06-24 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Account Number XXXX XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 2. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX  XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.

4. The inquiry was not authorized XXXX XXXX  XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Hello, I have many credit cards never had late fees. I pay my bills ahead of time using bill pay. I applied and received 3 cards from commenity bank. I kept getting hit with late fees from day one, checks sent from my bank bill pay taking 15 to 16 days to post. Always, after the due date. I have been using this bill pay forever to pay other bank cards. It has never taken this long. On another one of their cards the payment was electronic and they hit me with a late charge for my XXXX statement. My bank was able to track the electronic payment and advised me that they had received the payment 4 days prior and were holding the funds instead of posting the payment. This was 4 days prior to the due date and had not posted it. The bank did reverse the {$29.00} fee and offered no explanation. I have closed the cards because I feel this is a scam and a way for this bank to fraudulently make money. The last late fees were on XX/XX/23 from Commenity XXXX for {$26.00} late fee and {$2.00} interest. XXXX Ulta had a charge of {$36.00} late fee on XX/XX/23 and interest of {$2.00}. No explanation was given on why it takes 16 days for a check to post. I explained that I can not pay the bill before it is generated. One of the employees told me that she hears the same story all the time from other customers. Thank you.

Company response to consumer: Closed with monetary relief