vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: B9, Inc.
State: CT

Complaint narrative:
On XXXX XXXX my employer at the time called XXXX made XXXX deposits into my B9 account. XXXX for XXXX dollars and XXXX dollars. On the same day I noticed several unauthorized transactions from that date onward from someone with a strange XXXX name that starts with a XXXX. Also on XXXX XXXX there was a transfer made from the same individual from a merchant name XXXX XXXX XXXX I filed a fraud online form to the B9 claims department but my claim was denied, the claims department said they denied it because the transactions were authorized by me!! The B9 claims department is wrong because the name on those unauthorized transactions isn't my name and number isn't from my number. Also it makes no sense that I would use another name that's not my own to make these unauthorized transactions??!! I would just use my own name. Obviously this individual hacked into my B9 account and gained access into my B9 account and used my phone number and made these unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: AZ

Complaint narrative:
Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX b-Compliance procedures i have consistently made timely payments, and it is inaccurately reporting information. It's essential that consumer reporting agencies maintain accuracy on 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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
15 U.S Code 1681e b-Compliance procedures i have consistently made timely payments, and it is inaccurately reporting information. It's essential that consumer reporting agencies maintain accuracy on 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 2025-01-12 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: NJ

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this 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 2025-01-12 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: NJ Automotive Accounts Management Co, Inc.
State: NJ

Complaint narrative:
I am writing to formally file a complaint regarding an unauthorized hard inquiry on my credit report. The inquiry is dated XX/XX/year> and is listed under the name XXXX XXXX. 

Upon contacting XXXX XXXX, I was informed that they are a credit reporting agency that provides consumer data to businesses and financial institutions. XXXX further stated that the inquiry was made on behalf of a company named New Jersey Automotive Accounts Inc. 

I have never conducted business with or authorized any credit inquiry by New Jersey Automotive Accounts Inc., nor am I familiar with this company. This unauthorized inquiry has negatively impacted my credit score and personal finances. 

I have already contacted XXXX XXXX and requested information about this inquiry. However, the issue remains unresolved.

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 2025-01-12 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: AZ

Complaint narrative:
Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have verified that my credit reports are accurate and up to date. However, the significant differences between my credit scores are causing me harm, particularly when lenders rely on the lower score to make decisions. I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as the credit reporting agencies are responsible for ensuring the accuracy and consistency of their data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I applied for a chase freedom card at the beginning of XXXX. Upon ordering I had realized chase still had my parents address as well as my maiden name. Called and explained this, cancelled and got a new card sent to my new address. I get the cardstill my incorrect name. I call again, get sent name change docs, I sign them, I hear nothing until I get a letter just stating there was an error on Chases end and to call. I call again, explain the situation again, a man assures me all is well. I get an email the next day stating my fraud case is being worked on and my replacement card sent. I havent used the card, and can see in the app, yet again they are sending a card with my incorrect name for now the third time. I call again, get a supervisor who tells me the error is on chases end. I still never received name change documents to make a second attempt at this. I am divorced and trying to build some points and establish myself in my new life and chase is 100 % hindering that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Account is paid off and the account is showing closed which made my credit report go down over XXXX points.

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 2025-01-12 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, at XXXX XXXX, I received an email from XXXX requesting that I verify my email address. This was the XXXX  interaction I had ever had with XXXX, and I had not created an account or initiated any transaction on their platform prior to this. Immediately after receiving the email verification request, I received a XXXX  email from XXXX at the exact same time, confirming a purchase that I did not authorize. 

The timing of these emails strongly suggests that the purchase was made without my knowledge or approval, potentially by someone else using my information. I had no prior interaction with XXXX, and I did not initiate or authorize the creation of an account or the purchase that followed. 

I promptly reported this unauthorized transaction to Chase, the issuer of my credit card, and provided them with supporting evidence, including screenshots of my XXXX inbox showing the sequence of emails from XXXX. Despite this evidence clearly demonstrating that I did not authorize the transaction, Chase declined my dispute and held me liable for the charge. 

I am filing this report to document the incident as an unauthorized transaction and to assist in my efforts to recover the funds charged to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/year> TransUnion : XXXX XXXX XXXX, XXXX, PA XXXX RE XXXX Remove a collection The purpose of my letter is to dispute the following collections that are wrong and unauthorized. Please remove it from my Transunion credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 

XXXX XXXX XXXXXXXX XXXX Balance - {$240.00} XXXX XXXX XXXX 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 2025-01-12 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: MI

Complaint narrative:
I did not authorize these inquires and as usc 1681 B states these need to be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Venmo randomly permanently suspended my account last year on XX/XX/year> for fraudulent activity without any proof I have {$470.00} in my Venmo account balance. They refuse to release that balance to me for XXXX from the date of account closure. I have asked and begged to get my money back because I am struggling financially and that is my money yet they refuse to release it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute the accuracy of information reported on my Equifax credit report. I believe this information is inaccurate and warrants immediate correction or removal. Background Impact of Data Breaches : As you are aware, Equifax suffered a significant data breach in 2017, exposing the personal information of over XXXX XXXX consumers, including Social Security numbers, addresses, and birth dates. This breach, along with the most recent industry-wide breaches, raises serious concerns about the integrity of data handling and its impact on credit reporting accuracy. The inaccurate information on my credit report is a result of data compromised during this or subsequent breaches. 

Potential Identity Theft : Due to the data breaches, I am at heightened risk for identity theft and unauthorized credit activities. All and any inaccuracies on my credit report must be thoroughly investigated to determine if they are the result of identity theft. 

Compliance with FCRA and CFPB Regulations : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Equifax is obligated to ensure maximum accuracy in credit reporting and to investigate consumer disputes promptly and thoroughly. 
The Consumer Financial Protection Bureau ( CFPB ) enforces consumer protections to ensure that credit reporting agencies uphold their responsibilities under the law. 
Requested Actions In light of the above, I am requesting the following actions : Investigation and Correction : Conduct a full investigation of the disputed item and provide documentation verifying the accuracy of the attached disputed items. 
Immediate Removal : If you are unable to verify the accuracy of the disputed information, remove it from my credit report immediately as required by FCRA 611. 
Security Measures : Detail the steps Equifax is taking to ensure data security and the prevention of unauthorized access or use of consumer information. 

Please provide written confirmation of your receipt of this letter and a resolution to this dispute within XXXX  days, as required by FCRA. You may contact me via the information listed above. 

Thank you for your prompt attention to this matter. I expect compliance with all applicable laws and regulations to ensure a fair and accurate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is a registry of an account that I do not recognize. It was discovered XXXX years ago and supposedly removed. The account is still on my credit report and I would like it removed.

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 2025-01-12 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: MicroBilt / PRBC (formerly CL Verify)
State: NJ

Complaint narrative:
I am writing to formally file a complaint regarding an unauthorized hard inquiry on my credit report. The inquiry is dated XX/XX/year> and is listed under the name XXXX XXXX. 

Upon contacting XXXX XXXX, I was informed that they are a credit reporting agency that provides consumer data to businesses and financial institutions. XXXX further stated that the inquiry was made on behalf of a company named XXXX XXXX XXXX XXXX XXXX. 

I have never conducted business with or authorized any credit inquiry by XXXX XXXX XXXXXXXX XXXX XXXX, nor am I familiar with this company. This unauthorized inquiry has negatively impacted my XXXX XXXX and personal finances. 

I have already contacted XXXX XXXX and requested information about this inquiry. However, the issue remains unresolved.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
No response XXXX keeps reporting after account is closed

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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

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 2025-01-12 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: FactorTrust, Inc.
State: AZ

Complaint narrative:
Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or XXXX.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit XXXX15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: WI

Complaint narrative:
Account name : XXXX XXXX ( XXXX ), Account number : XXXX XXXX ( XXXX ), Account name : XXXX XXXX ( XXXX ), Account Name : XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Has violated my rights. 15 U.S.C1681 section 602 A. states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information in inaccurate. Due to these issues on my report, I am having a hard time to provide for my child! I'm unable to get an apartment. I'm unable to secure a loan for school to better my career due to these discrepancies.

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 2025-01-12 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: MI

Complaint narrative:
I have requested on several occasions for my address to be changed on all three credit bureaus. My address and name is reporting incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: CarMax, Inc.
State: CT

Complaint narrative:
dear cfpb i am writing to formally submit a complaint regarding the reporting practices of CarMax auto finance in relation to my auto loan account. i believe their actions XXXX be in violation of federal regulations governing credit reporting and debt cancellation, specifically Carmax wrote off my vehicle loan account as a charge off yet they continue to report CO activity to my credit file. Additionally despite the debt being deemed uncollectable and presumably forgiven, i have not received a 1099-c form which is required by the IRS regulations XXXX debt cancellations exceed {$600.00}. The lack of 1099-c form creates confussion and prevents me from accurately filing my taxes furthermore, the ongoing reporting of CO on my credit report is damaging to my financial standing and appeaes inconsistent with the XXXX and accurate credit reporting practices i sent out a letter to carmax to recieve my 1099-c form XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: MS

Complaint narrative:
Not being reported correctly, reporting that I paid off XXXX percent to XXXX correct company and XXXX percent to XXXX and experian. As per Fair Credit Reporting Act ( FCRA ), all information must be accurate, complete and up to date. Please delete.

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