vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 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: TX

Complaint narrative:
If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a XXXX il faut status. Incontestably, your compulsion should be that of certifiable conformity to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite XXXX day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within XXXX ( XXXX ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: TN

Complaint narrative:
I received a notification about a new inquiry on my Equifax credit report on XX/XX/2023. 
The inquiry was from XXXX XXXX, XXXX. 
I contacted Equifax by phone to report that I didnt recognize the inquiry and did not apply for this credit. I was told to contact XXXX which I did. I was told by XXXX that they didnt have any records showing where I had applied for credit and they couldnt do anything. 
I called Equifax again and this representative told me to mail them a letter along with a copy of my license requesting the removal. 
After a few months I called Equifax again and that representative told me they would be removing it and would take up to a few weeks. 
I then received a letter from equifax stating that the inquiry investigation was complete and that it had been removed and that they would take measures to make sure it didnt reappear. 
I kept checking my credit report every day for over 2 months and it was never removed. 
I called Equifax again last night and was told that they mustve verified the information and they couldnt remove it. 
I have been calling back and forth between Equifax and XXXX since XX/XX/2023 and every time Im jumping through hoops and on hold for anywhere from 30 minutes to hours. As somebody who is XXXX this is very difficult. 
If this inquiry was truly mine I would be fine but it is not mine. 
I did not apply for credit with XXXX XXXX, XXXX on XX/XX/2023 and I would greatly appreciate any help you can provide. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: PA

Complaint narrative:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-03-15 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 have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX ) Date Opened : XX/XX/2021 Balance : XXXX TRANSUNION is reporting this account as open. Obviously an account that has been sent to collections should not be listed as an open account. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please DELETE this item immediately. 

When the requested above deletions are made, please mail me an update copy of my credit report Kind regards

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 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
XXXX credit reported a negative debt collection on my credit report on my credit report that was done through identity theft and fraud that I had no knowledge. This company reported I took out a loan in 2023 and I have never took out credit with them in 2023. The name is Genesis Credit Management and they indicated it is with a company called XXXX XXXX. This is a fraudulent company and I have no knowledge of them. I had fraud alert on my account. and the amount is for {$3900.00} I never took credit for any company in 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
- Opened new chase checking account on XX/XX/year> -mobile deposited XXXX  XXXX XXXX  check in the amount of {$420.00} XXXXchase bank accepted/chashed the check on XX/XX/year> -I was notified via text message that {$100.00} was available to me right after chase bank accepted the check -I was also notified via text message that the remaining amount from the check would be available to me on XX/XX/year> XXXX XX/XX/year> chase bank unknowingly to me closed my account with the full amount of the check that was deposited. 
-scheduled in-person meeting at chase bank for XX/XX/year> and a new account was opened by the banker during the appointment. I was informed that a check was sent out to me on XX/XX/year> from chase bank in the amount of {$420.00}. 
-After waiting more than the 7-10 business days to receive the check from chase bank and still didnt received the payment thru USPS -After waiting another couple of weeks thinking it would show up in the mail soon. In the mean time I decided to schedule another in-person meeting with a banker for XXXX XXXX in hope of being able to walk out of the bank with a cashiers check or cash, but neither worked out in my favor once again. 
-chase bank customer service kept connecting me to a couple of different people that ultimately DIDNT help solve the issue and DIDNT provide me with any acceptable explanation to why or where my funds were at that moment. 
-longer story short I just dont know what more I can do in order to get my money from chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc.
State: FL

Complaint narrative:
RFGI has been reporting a fraudulent debt knowingly, in addition I do not owe this company anything nor have I ever done business with them or the " client '' they claim to represent. 

I was sent 1 notice from their client XXXX allowing until XX/XX/XXXX for me to contact them to resolve. This company did NOT honor their demand for payment letter and refused to discuss situation with me. The agent instead informed me she would immediately be sending to collections. They broke the FCRA statutes and also have no business with me as I never initiated ANY contract or agreement with that company. I purchased a puppy from a local retailer, that is who I had a relationship with. This XXXX  company is a payment processing intermediary who apparently handles payment processing for store utilizing predatory methods. I opened a XXXX XXXX account. Please see attached Inquiry reflecting account application. I informed both companies that their debt collection activities are unfounded as I was sent a fraudulent contract with information which did not belong to me, a forged signature and incorrect figures relating to my purchase. 

I have tried to address myself but both organizations are unethical and believe that I'll end up giving in since I have good credit. I will formally litigate if we are unable to resolve. 

I have also included my purchase contract, CASH down payment receipt for {$1000.00}.

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 2024-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
Payment arrangement made with XXXX XXXX XXXX XXXX Account # XXXX of {$430.00} from an original Debt due to XXXX XXXX  of {$1700.00} ( XXXX  Account # XXXX ). 
I agreed to the offer in date XXXX and made first payment of {$73.00} that was suppose to go on for 6 months. 
Made first payment on XXXX and after that they did not allow mw to make any further payments, saying that the owner " retracted the offer ''!!!!!! 
On XX/XX/2024 I get a letter from an other debt collector : TSI Transworld Systems Inc. Reference / Our Account # : XXXX, saying that I have debt of {$1700.00} and that I only paid {$73.00} towards that debt. 
Can you believe that!!!!!!!!! 
Why did they cancel the Settlement which I agreed upon and started paying for???????

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: GA

Complaint narrative:
I am a victim of identity theft through experian files being hacked. When this happened I put a lock on my credit profile and filed bankruptcy to clear all debt. This was in XXXX. I received a notice in XX/XX/XXXX for an unauthorized account from XXXX. I reported to the debt collection company and experian that this was not my account and asked for each to provide any documents that shows my identity, my signature or any relevant documents to prove I opened this account. Neither could provide such information. I asked for this to be removed from my credit file and neither has removed this information. This is causing irreparable damage and harm to my credit standings. From credit report : XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$3400.00} past due as of XX/XX/XXXX. 
Status Updated 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 non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

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 2024-03-15 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: NJ

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-15 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: NJ

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-15 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: NJ

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 2024-03-15 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: NJ

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I opened a Bloomingdales credit card thru Citi bank in XXXX. I attempted to utilize the card within days of being approved, as well as a follow up attempt to use the card once I received my physical card. 

Both times, an order placed online at the specific stores website, XXXX, was made by me. However both purchases were immediately and very clearly canceled by the store. At the stores discretion they refused to ship me my purchase. No purchase was ever completed with this card This also happens to be the 3rd card Ive had now that was issued by Citi bank and they all have done this same exact thing 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 2024-03-15 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:
Dispute of Late Payment Under 15 USC 1666b : ** I dispute the accuracy of a late payment reported on this account for XX/XX/year>. I believe this entry is incorrect and request a formal investigation into this matter. As per 15 USC 1666b, I request that if the investigation confirms the inaccuracy, the payment status be corrected to " current '' on my credit report to reflect the accurate status of the account.

**Concerns Regarding Personal Information Under 15 USC 6802 ( b ) : ** Under the Gramm-Leach-Bliley Act, specifically 15 USC 6802 ( b ), I express my concerns regarding the handling and sharing of my nonpublic personal information related to this account. I request an investigation into how my personal information has been processed, shared, or disclosed by XXXX XXXX and ensure that my privacy rights are fully respected and upheld.

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