vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
sent many letters and filed many disputes, for contract and any proof i owe them anything, failed to provide any info or contract between me and or contract with original debtor with detailed contract info and any payments made. shows balance owed on credit report, as which i owe them nothing and FCRA violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX -- UNAUTHORIZED INQUIRY 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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:
I recently checked my credit report and noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. These remarks have been XXXX to my life and 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 2024-08-22 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: PA

Complaint narrative:
I recently checked my credit report and noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. These remarks have been detrimental to my life and 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 2024-08-22 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: IL

Complaint narrative:
I received my credit report on XX/XX/2024 and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX has violated my rights. 
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. I also asked for the original contract to be provided and it was not.

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 2024-08-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
While this matter was closed by the CFPB yesterday, XXXX XXXX XXXX, I was and have been waiting for a response from XXXX XXXX XXXX of the Chase Executive Offices after I call I had with XXXX XXXX last month. After recieving a voicmail from XXXX XXXX, I returned her call on or about XX/XX/year>, at around XXXX XXXX  and had been waiting for her to respond, however I noticed this am, that my opportunity to respond ended yesterday without XXXX XXXX having returned my call. 

Based on the discussion I had with XXXX XXXX about information being recieved and sumbitted to my " closed out mortgage '' filed by an Attorney XXXX XXXX XXXX, acting as a " title company '' when Attonrey XXXX was an " XXXX attorney '' involved in fraud\attorney misconduct, and that Chase had failed to inform and notify me of said submitted documents ( accepted and added to the file without any verfication being performed at the time of acceptance, along with no notification being made to me ), XXXX XXXX informed me that she would need to review the information further, eventually leaving me a voicemail, claiming that it wasn't the individual that I had reported to Chase that had submitted the form but a third party vendor. In response, I called XXXX XXXX back, leaving her a message as well and requested that she ( Chase ) then needed to provide me with the name and contact informaiton of that " third party '' that she mentioned in her own voicmail to me, as which point, XXXX XXXX ( Chase ) chose not to respond nor provide me with said requested information on said 3rd party. As such, I am opening this second complaint, as it would appear that Chase is more interested in aid and assisting in coverning up a matter of fraud, reported separately to CFPB, in provided additional details of said fraud\acts of fraud and attorney misconduct pertaining to the individual whom I reported to Chase that was " posing as a title company ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: PA

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts reporting on my credit report. These remarks have been detrimental to my life and credit health.

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 2024-08-22 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:
I am filing this complaint to bring to your attention that Equifax is unlawfully reporting fraudulent accounts on my credit report. These accounts are the result of identity theft and should be permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) within 4 business days of receiving this complaint. I have attached a copy of an FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the aforementioned accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I dispute some fraud and incorrect information regarding information being on my credit report that did belong to or was not reported correctly. Equifax is supposed provide you with the results of their investigation via Mail or XXXX  equifax.com website. 

When you log in to the Equifax website to view the completed investigation you can not review it and nor has Equifax sent me via information in the mail

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I requested on XX/XX/year>, To Equifax to REMOVE OLD ADDRESSES, PHONE NUMBER AND EMAIL ADDRESS AND UPDATE IT TO MY NEW ADDRESS ONLY. NO OTHER INFORMATION SHOWING UP. 
ON XX/XX/XXXX I received my Report and IT'S NOT CORRECT.ITS STILL SHOWING OLD INACCURATE INFORMATION. 
WHY CAN'T YOU ADDRESS THIS ERROR PROPERLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: IL

Complaint narrative:
I received my credit report on XX/XX/scrub>XXXX XXXX XXXX  and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX has violated my rights. 
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. I also asked for the original contract to be provided and it was not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: IL

Complaint narrative:
I received my credit report on XX/XX/year> and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX has violated my rights. 
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. I also asked for the original contract to be provided and it was not.

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 2024-08-22 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: GA

Complaint narrative:
I don't know who this Company is, I don't have any binding CONTRACTS WITH YOU, Stop All communications until you send me All Validation of Debts Documents.Why did you report on XX/XX/scrub>XXXX for ( {$760.00} ) According to 15 U.S.C.1692 ( c ) You have VIOLATED my RIGHTS by unlawful COMMUNICATION. PLEASE Remove this Collection off my Credit Report Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: GA

Complaint narrative:
These inquiries are not related to me, nor do I have any connection with the mentioned creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
My Coinbase account was hacked the end of XXXX, took {$5000.00} in bitcoin. I was told that someone with a Texas IP address had hacked my account, I had no contact with anybody in Texas. They then locked me out ( of course for my well being ), I have tried 14 times to get back into my account, that's 14 different pics of my head, 13 pics of my drivers license ( 1 time I tried my VA picture ID ), and 14 times a pic of me holding a sign under my XXXX that read Coin Base Verification and the date. Each time I was told that they couldn't verify because pics were not readable. I even ran the pics thru XXXX just to make sure they were clear. It has been 4 months now, I received an email today ( XXXX ) telling me they were going to lock me out, what an XXXX  joke. One hand does not know what the other is doing. DO NOT DO BUSINESS WITH COINBASE, THEY DO NOT STAND BEHIND THEIR CUSTOMERS!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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:
I recently received a copy of my credit report and noticed several inaccuracies and discrepancies on my report. These inaccuracies have been detrimental to my life and credit health

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 2024-08-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
I tried to cancel a transaction by filing a dispute & evidence to help them investigate & both times it was denied when I provided everything they needed. When I ask for documentation back they only have my documents no documents from the merchant so I dont know why I am being denied. I told them the merchant cancelled & has not given me my full refund back so I had to go through Chime to dispute it & they dont even tell me why they denied it they just show documents used to come to their conclusion & say that no error occurred no other information is given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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