vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: GA

Complaint narrative:
I am writing to formally dispute XXXX recent credit pulls that have negatively impacted my XXXX XXXX. The first occurred on XX/XX/2024, by XXXX, which I believe was mishandled by my representative, resulting in an unintended outcome that has unfairly affected my credit rating.

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 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Self Financial Inc.
State: LA

Complaint narrative:
COMPANY FAILED TO SEND ME A DEBT VALIDATION I WOULR LIKE THIS ACOUNT DELETED FOR GOOD OFF MY AACOUNT BECAUSE THIS ACCOUNT IS SHOWING CLOSED ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: CA

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX INQUIRY XXXX XXXX INQUIRY 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 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
The complaint I'm registering is about a charge made on my credit card with JP Morgan Chase. The card is a Chase Sapphire XXXX Credit Card. 

I arrived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) after midnight and got a taxi around XXXX local time. The taxi was inside the airport. After dropping us off, the taxi driver swiped my card twice as he said it wasn't registering the first time. I realised something didn't seem right and asked for my card back immediately. He gave me the card back and rushed off in his cab without giving me any receipt. When I checked my credit card app and saw that he had charged me {$XXXX} ( XXXX dollars ) more than he said he would. 

I called my credit card company 's helpline immediately and they said they couldn't do anything until the charge was " posted '', as it happened just a few minutes ago it was still a " pending '' charge. They said it would be " posted '' in XXXX hours and I should connect with them after. I reached out to the airport but ofcourse they didn't have any contact details for the taxi driver based on my information. 

Once the charge was posted I called customer service at JP Morgan Chase again and they said they couldn't do anything for me as the purchase appeared legitimate to them. And as I didn't get any receipt from the taxi driver they couldn't do anything. 

I don't quite understand what they expected me to do in this case as I called them immediately as soon as the transaction happened to flag it as fraudulent. JP Morgan Chase has charged me for the {$XXXX} overcharge and I don't believe that's right which is why I'm putting in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 non-monetary relief
Consumer complaint received 2025-01-13 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: CA

Complaint narrative:
My XXXX XXXX is still going around opening up stuff in my name. I would like these things to be taken off my report please.

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 2025-01-13 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: CA

Complaint narrative:
My XXXX XXXX is still going around opening up stuff in my name. I would like these things to be taken off my report please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation
State: OK

Complaint narrative:
I owe on the loan but having alot of issues at the moment. They are rude and do not want to work with us. Also abuse of vulnerable adult as well. Will not and do not want to do business with XXXX XXXX XXXX XXXX. Will only deal with the main company in Texas. I do want to make payments on our loans. Just totally rude people and by the way they are hired they go against that. 
Second deal is they use our friend and family list too much instead of at the beginning for references. They constantly call every day and XXXX to XXXX  times a day or more. we have lost our references friends do to their harrassing them daily. 
Also last item if you go to their website since XX/XX/XXXX the loan deal certificate for them to use store in Oklahoma has expired and has not been updated so basically the XXXX store is illegally calling and collecting. Since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status 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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
The option I need are not here, Im trying to inquire about product I purchased from Acima I feel the charges and interest were to high, my lease I had a few times were paid on time but the fees and interest I feel were part of a predatory lending practice, Thanks XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX  The following inquiries were not and should not be reporting.

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 2025-01-13 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: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 

Account name - XXXX XXXX Account number - 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 2025-01-13 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: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 

Account XXXX - XXXX XXXX Account number - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
The original date and amount of the collection open date from original creditor XXXX XXXX XXXX is XX/XX/year> and when it was sold the debt agency NCB MANAGEMENT SERVICE has started reporting date as XXXX XXXXwhich is incorrect, I have done a little bit of research and this is what I found ; Legally, collection agencies can not report old debt as new. If a debt is sold or put into collections, that is considered a continuation of the original date. It may show up multiple times on your credit report with different open dates, but they must all retain the same delinquency date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: VA

Complaint narrative:
Experian is reporting XXXX late payment for XX/XX/XXXX for XXXX of my credit cards ( XXXX/XXXX  and XXXX  XXXX ). I have reported these late payments multiple times as invalid, inaccurate and a mistake that should not be on my credit report. Experian has claimed multiple times they've investigated the reported information and found it to be accurate. On XX/XX/XXXX, I sent two letters to Experian challenging their dispute results for both cards and requesting a detailed description of the method of verification used to validate the reported information as required by Section 168i ( a ) ( 6 ) of the Fair Credit Reporting Act. Experian did not provide this information and it has now been 30 days.

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 2025-01-13 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: IL

Complaint narrative:
EXPERIAN : XXXX XXXX XXXX XXXX, TEXAS XXXX Re : Dispute of Fraudulent Accounts Due to Identity Theft Request for Removal Within 4 Days Dear EXPERIAN, I am writing to dispute fraudulent accounts appearing on my credit report, as I am a victim of identity theft. Under 15 U.S.C. 1681c-2 ( Section 605B ) of the Fair Credit Reporting Act ( FCRA ), you are required to block and remove information resulting from identity theft within 4 business days of receiving this request, along with supporting documentation. Below is a list of fraudulent accounts that do not belong to me : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX ACCOUNT NUMBER ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ACCOUNT NUMBER ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT NUMBER ( XXXX ) To comply with Section 605B, I have provided the following required documentation : Identity Theft Report : Filed with the Federal Trade Commission ( FTC ).

Proof of Identity : Copy of my government-issued ID and Social Security card . 
Proof of Address : [ bank statement. ] To comply with Section 605B, I have provided the following required documentation : I demand that these accounts be blocked and removed from my credit report within XXXX business days, as required by law. Please confirm in writing when this action has been completed. Failure to comply with this timeline will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any other legal remedies available to me. 

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 explanation
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 2025-01-13 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:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 explanation
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-01-13 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:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-01-13 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:
After recently reviewing my consumer report I noticed credit inquiries that were unauthorized due to Equifax data breach I provided a copy of the FTC report with the stated inquiries that was unauthorized please remove these items immediately due to the fact they are reports of fraudulent activity I'm providing each inquiry and the date that it transpiredXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NE

Complaint narrative:
I reported identity theft to all credit bureaus and asked them to delete and block incorrect information, accounts, and inquiries. They refused and hung up on me many times when I asked them why. I was disrespected and yelled at by XXXX. I filed a FTC report and still fail to acknowledge the information being true as I proved that I was in XXXX  at the time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I noticed a fraudulent charge on my checking account for two Southwest plane tickets for {$450.00} each, totaling {$900.00}. I immediately notified Chase Bank and explained to them that I was out of the country and did not make that purchase. I also contacted Southwest Airlines who could not find any flight information with my personal information regarding the purchases above. Chase initially reimbursed me the fraudulent amount while they did their investigation. Chase did their investigation and reported to me that they have evidence that I did purchase those flight tickets and they have evidence I boarded the flight and removed the {$900.00} from my account. They did not allow me any chance to show them proof I was out of the country at the time this flight was boarded. I requested the information they received from Southwest and when I received the information it was clearly two individuals with completely different names as myself who fraudulently purchased those tickets and boarded the flight. A government issued ID must be shown when boarding flights and these two individuals do not share any names with me. I do not understand why Chase believes I boarded this flight. I called Chase after receiving this information. Per Chase they need evidence that I was out of the country and that they may reopen the fraudulent dispute case. I explained to them that the names on the plane tickets do not match my name and I have already filed a police report against the individuals who made the fraudulent purchase with my debit card. I have also submitted a complaint with Southwest Airlines regarding this fraudulent charge. Chase continues to be be difficult and are refusing to refund me the {$900.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: GA

Complaint narrative:
Debt is reported as charge off/written off. I am requesting a 1099-c cancellation of debt from the lender that forgave the debt

Company response to consumer: Closed with explanation