vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
- XXXX XXXX XXXX XXXX For collections of $ XXXX XX/XX/year> - XXXX XXXX XXXX For collections of {$1800.00} Filed a dispute then Experian claimed to have done an investigation with out providing me with the following Chain of Title, Date of XXXX Delinquency, or the Date of the Last Payment on any of the above collections XXXX- for XXXX XXXX XXXXXXXX- For collections of {$1800.00}, I disputed information and the credit reporting agency has not provide me with the following Chain of Title, Date of Delinquency, or the Date of the Last Payment TransUnion- for XXXX- For collections {$590.00}, I disputed the collection and the reporting agency has not provided me with the following Chain Of Title, Date of Delinquency, or Date of Last Payment And I Used the Fair Credit Reporting Act to let Experian, XXXX, and XXXX know that's this went against the laws provided in the FCRA and using I even got in touch with them on several occasions to resolve the inaccurate information using various Codes such As ; 15 USC 1681, 15 USC 1681 ( i ), 15 USC 1692 ( c ), 15 USC 1692 ( c ) ( 2 ), 15 USC 1681 ( e ), 15 USC 1692 K

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX XXXX. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN XXXX XXXX XXXX. 

Account Name : XXXX CARD # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX SERVICES XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I reported fraud activity on XX/XX/XXXX and notifying them i was scammed and unintentionally allowed an individual access to my account via the Chase mobile app. They deposited a bad check which I though was a deposit they put in my account so I sent them {$250.00} on cash app like they requested. I later noticed numerous reversals on my account and at that time I changed my password to the Chase mobile app and the notified Chase of the unauthorized reversals. I'm very surprised Chase didn't notify me when all those reversals came up because that seems that would have been very suspicious. The only thing I'm guilty of is mismanaging my funds and spent the money that was kept in my accounts from those reversals ultimately having a significant negative balance. They heald my XXXX direct deposit for XXXX business days before letting in go into my XXXX account. I still don't have access to my account which is need for bill. There's a positive balance of around {$380.00} that i can't use to pay essential bills and being a XXXX patient my ssdi is my main source for living expenses. My other account is currently in the negative but I told them that I will deposit enough funds to fix that by the end of the month. So now all my accounts a frozen, excepts for deposits which doesn't seem legal and I'm getting treated like I'm the one committing fraud. I have told them I have documentation ( phone numbers, emails, etc ) from those scammers on XX/XX/XXXX but they don't want to listen. Can Chase bank hold my XXXX direct deposit for that many days and not allow me access to the funds that are still in that account. Doesn't seem ethical or legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently received a copy of my XXXX BUREAUS consumer report and I noticed some inaccurate information posted on my consumer report XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9400.00} ( Original Creditor : ) XXXX Balance {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD 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 non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Professional Collection Service Inc (GA)
State: CA

Complaint narrative:
I disagree with this company access to my consumer credit reports. As debt collector have no permissible purpose. So I dispute inaccurate and incomplete information on my credit reports that is being reported by this debt collector company. I disagree with the debt information and amount reported, and I disagree with how the credit bureaus collect, use, and share my credit information. So I believe I have spot potential identity theft and I also request to place a fraud alert on my credit file, And all forms of contact and communication from debt collector company seize.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
This morning, I was shocked to find inaccurate accounts on my credit report, and Im completely lost as to how this could happen. I check my credit report regularly, but this time, there were errors that appeared out of nowhere. I even tried refreshing my browser, thinking it might be a technical glitch, but nothing changedthe inaccuracies remained. Im begging for a thorough review of the documents Ive sent so that I can finally stop worrying about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on m
y XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: NY

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year>

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
To whom it may concern, XXXX, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). You have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. You have illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, XXXX, and XXXX. I did not grant any company permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. As the consumer and natural person, I am invoking specified remedies and make the following demands : 1 Cease and desist reporting of the account name filings to all consumer reporting agencies. 2 Remove reporting of the account name filings from all consumer reporting agencies. Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
To whom it may concern, XXXX XXXX XXXX  consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). You have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. You have illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, XXXX, and XXXX. I did not grant any company permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. As the consumer and natural person, I am invoking specified remedies and make the following demands : 1 Cease and desist reporting of the account name filings to all consumer reporting agencies. 2 Remove reporting of the account name filings from all consumer reporting agencies. Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Dispute of Reinsertion of Deleted Accounts Due to Identity Theft Dear Equifax, I am writing to formally dispute the reinsertion of the following accounts that were previously deleted from my credit report but have since been reinserted without my prior knowledge or notification. The accounts were removed due to identity theft, as supported by my Federal Trade Commission ( FTC ) Identity Theft Report and law enforcement case details. 

Disputed Accounts : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX - Account Number XXXX XXXX Information Regarding Identity Theft : I submitted an Identity Theft Report with the following FTC Report Numbers : XXXX XXXX XXXX XXXX I also have a Law Enforcement Case Number : XXXX. 

These accounts were deleted from my credit report, as they were fraudulent and linked to identity theft. However, I have recently discovered that they have been reinserted into my credit report without any prior notice or notification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Violations of the Fair Credit Reporting Act : Section 611 ( a ) of the FCRA : The reinsertion of information that was previously deleted is not permissible unless the creditor or data furnisher verifies that the information is accurate. Furthermore, if the information is reinserted, I should have been notified within 5 business days. I did not receive such a notification.

Section 605B of the FCRA : This section of the FCRA protects consumers from the inclusion of fraudulent accounts on their credit reports, especially when they have been the victim of identity theft. Given that these accounts are related to fraudulent activity, I assert that they should not be reporting on my credit file.

Inconsistent Reporting : I have verified that these accounts are not reporting on my XXXX and XXXX credit reports, which suggests that the accounts are not valid and were incorrectly reinserted by Equifax. The failure to properly investigate and remove these fraudulent accounts represents a significant error, and further highlights potential issues with identity theft. 

Discrepancy Details : The accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should not be present on my credit report due to their fraudulent nature. These accounts were originally reported and subsequently deleted due to identity theft, and I should not be burdened by their reinsertion without being notified.

The reinserted accounts represent a clear violation of the laws protecting consumers from identity theft and fraudulent credit reporting. These accounts are not reported on XXXX or XXXX, which highlights the inconsistency in how these accounts are being treated by Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I am disputing the collection account with XXXX account number XXXX XX/XX/year>, with a balance of {$380.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently looked at my credit report and noticed several inquiries being reported. On the dates of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These companies that is being reported I have no knowledge of and I have been a victim of identity theft.

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