vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-15 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Washington DC, XXXX XXXX ( XXXX ) XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX 'S CLUB XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX OF CREDIT INQUIRIES- XXXX XXXX 'S Dear Equifax XXXX XXXX XXXX XXXX & XXXX XXXX This XXXX XXXX XXXX XXXX official request under Section XXXX of the Fair Credit Reporting Act ( FCRA ), Title XXXX, XXXX Code, and Section XXXX XXXX the Electronic Communications Privacy Act ( ECPA ) regarding disputes related to XXXX inquiries made by XXXX Federal SYNCB/SAM 'S XXXX & Equifax XXXX XXXX XXXX XXXX XXXX credit report XXXX We would like to bring to your attention multiple hard and soft inquiries. The XXXX Code that relates to fraudulent inquiries is Title XXXX, Chapter XXXX, Subchapter VI, Section, Section XXXX ( c ) of the Fair Credit Reporting Act, which states that a consumer reporting agency shall not furnish information about to any person if the consumer 's file contains any statement that such person has not furnished the information to the consumer 's knowledge and consent. Additionally, the XXXX prohibits any person from knowingly and willfully obtaining or using false or misleading information for any fraudulent purpose. So, in summary, we request you to investigate any suspected fraudulent inquiries made on XXXX XXXX 's credit report and take appropriate action against the parties responsible. Also, ensure that all inaccurate and fraudulent information is removed from his credit report and that appropriate steps are taken to prevent such occurrences in the future. Thank you for your prompt attention to this matter. 

List of inquiries that needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PRIVACY LAW OF XXXX States that The Privacy Act of XXXX, as amended, XXXX U.S.C. XXXX, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.

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 2024-01-15 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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-01-15 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: MO

Complaint narrative:
This is truly criminal and should be addressed but we know experian does not fix problems just creates them, still working on the issue THATS A JOKE JUST LIKE THIS FRAUDULENT COMPANY

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 2024-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XXXX XXXX XXXX received credit report alters from All 3 bureaus alerting me to a new collection tradeline. 

Upon further inspection, none of the reports contained any information other than : date of entry, name of collection agency ( XXXX, and dollar amount {$750.00}. 

I received nothing in the mail. No notice. No debt validation, or anything. 

Upon further review, this company tries to collect on out of statue debts, debts already paid, and debts they dont own.

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 2024-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
This follows from complaint XXXX where Mr Cooper incorrectly XXXX to charge us for the same mortgage twice. We had paid off the mortgage through XXXX and somehow Mr Cooper transferred the mortgage loan without the payoff. This was corrected only after we filed complaint XXXX. 

Now, we see on our credit report that Mr Cooper lists that the mortgage ( again paid off ) has an outstanding balance. Today we also received a false XXXX statement showing a balance. 

We filed our last complaint in XX/XX/2023. This should have been corrected then. Now we are receiving false tax forms and false information on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: TX

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
My credit report includes the following erroneous information that needs to be investigated and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX ) XXXX Balance {$1400.00} Date Opened : XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: NJ

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.

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 2024-01-15 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: PA

Complaint narrative:
Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: IN

Complaint narrative:
Received alerts from all 3 bureaus that non medical debt had been posted to my reports on XX/XX/XXXX. 

Creditor : XXXX  Dollar amount : {$750.00} It would seem to be a zombie debt from XXXX XXXX XXXX  in XXXX. 

Dropped off the reports in XXXX and XXXX XXXX Again, have received zero mail, and the posting is vague on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: CA

Complaint narrative:
I have disputed information several times and each time my credit report gets updated with meets FCRA requirements, consumer disagrees Its not a disagreement if it is illegal. 

15 U.S.C 1681-Congressional findings and statement of purpose a. ) Accuracy and farness of credit reporting -Congress makes the following findings : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

Privacy act of 1974 ( 5 U.S.C 522a ) safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices '' under 5 U.S.C 522a, anyone who knowingly and willingly requests or obtains any record concerning an individual from an agency under false pretense shall be guilty.

failure to comply with any provision of this Section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual ; the individual may bring a civil action against the agency and the district courts of the united states shall have jurisdiction in the matters under this provisions of this subsection. 

15 U.SC. 6802-obligations with respect to disclosures of personal information a financial institution may not, directly, or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information-unless a financial institution clearly and conspicuously discloses to the consumer in writing or via electronic form or other form permitted by the regulations prescribed under this subsection 6804 of this title.

according to the IRS a charge off is considered a certificate of indebtedness, which means it is income it must be removed.

The law also states it is illegal to report transaction history. All hard, soft and promotional inquiries must be removed. 

failure to delete the disputed will result in a report to FTC for identity theft and legal action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Yet again Chase is failing to follow the law regarding disputed and unauthorized charges. Their online dispute reporting system is broken. I called Chase, waited on hold for an extremely long period of time and then explained in great detail the bait and switch scam that I was charged {$440.00} on XX/XX/XXXX from XXXX for. The agent assured me the refund would be applied to my statement within 48 hours. It is now more than 10 days later and no action has been taken. My payment is due in 5 days including this amount that I am not responsible for. This is blatantly illegal. 

Since Chase 's dispute system is completely broken, I would also like to include these subsequent charges that are also unauthorized. 

XX/XX/XXXX XXXX XXXX  XXXX XXXX  {$28.00} - this is an overcharge, the correct charge is approximately {$5.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$28.00} - this is an invalid charge, I didn't use this service on this day. 

XX/XX/XXXX XXXX XXXX XXXX XXXX  {$30.00} and {$0.00} these are invalid charges, I didn't use this service on this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  DC, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SYNCB/SAM 'S CLUB XXXXXXXX XXXX XXXX XXXX, GA XXXX RE : DISPUTE OF CREDIT INQUIRIES- XXXX XXXX XXXX  Dear XXXX XXXX SYNCB/SAM 'S CLUB & XXXX XXXX This correspondence serves as an official request under Section 1681i of the Fair Credit Reporting Act ( FCRA ), Title 15, U.S. Code, and Section 2701 of the Electronic Communications Privacy Act ( ECPA ) regarding disputes related to credit inquiries made by XXXXXXXX XXXX SYNCB/SAM 'S CLUB & XXXX on XXXX XXXX XXXX XXXX credit report XXXX We would like to bring to your attention multiple hard and soft inquiries. The USC Code that relates to fraudulent inquiries is Title 15, Chapter 95, Subchapter VI, Section, Section 1681s ( c ) of the Fair Credit Reporting Act, which states that a consumer reporting agency shall not furnish information about to any person if the consumer 's file contains any statement that such person has not furnished the information to the consumer 's knowledge and consent. Additionally, the UCC prohibits any person from knowingly and willfully obtaining or using false or misleading information for any fraudulent purpose. So, in summary, we request you to investigate any suspected fraudulent inquiries made on XXXX XXXXXXXX XXXX credit report and take appropriate action against the parties responsible. Also, ensure that all inaccurate and fraudulent information is removed from his credit report and that appropriate steps are taken to prevent such occurrences in the future. Thank you for your prompt attention to this matter. 

List of inquiries that needs to be removed : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX UPDATE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX UPDATE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX UPDATE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX UPDATE XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX SYNCB/SAM 'S CLUB XX/XX/XXXX PRIVACY LAW OF 1974 States that The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. 

Sincerely, 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 2024-01-15 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: OH

Complaint narrative:
I'm struggling to remove these fraudulent inquiries from my consumer report. They aren't related to me, and I'm not accountable for them. Dealing with these has been incredibly stressful, affecting me both mentally and financially. As a victim of identity theft, I'm considering legal action if this issue isn't resolved appropriately. These inaccurate and fraudulent entries on my credit report have prevented me from purchasing the house I've always wanted and addressing my family 's needs, causing significant financialhardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/2024 received credit report alters from All 3 bureaus alerting me to a new collection tradeline. 

Upon further inspection, none of the reports contained any information other than : date of entry, name of collection agency ( XXXX, and dollar amount {$750.00}. 

I received nothing in the mail. No notice. No debt validation, or anything. 

Upon further review, this company tries to collect on out of statue debts, debts already paid, and debts they dont own.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/2024 received credit report alters from All 3 bureaus alerting me to a new collection tradeline. 

Upon further inspection, none of the reports contained any information other than : date of entry, name of collection agency ( XXXX, and dollar amount {$750.00}. 

I received nothing in the mail. No notice. No debt validation, or anything. 

Upon further review, this company tries to collect on out of statue debts, debts already paid, and debts they dont own.

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 2024-01-15 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: GA

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 XXXX XXXX XXXX. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 non-monetary relief