vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 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: VA

Complaint narrative:
Hi, my name is XXXX XXXX. I Am writing to delete the following information from my credit report. Pursuant to 18 USC 8, I owe no debt. The companies listed below are violating my consumer rights to privacy pursuant to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. There are also inquiries that were not authorized by me. With that being said, that also makes me avictim of identity theft. I demand that the inquiries and items listed are to be deleted to correct my credit report.Please delete the items as soon as possible.this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. **Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization. **You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**. **Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **. 2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **. 3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law.

You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.

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 2024-12-22 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: VA

Complaint narrative:
Hi, my name is XXXX XXXX. I Am writing to delete the following information from my credit report. Pursuant to 18 USC 8, I owe no debt. The companies listed below are violating my consumer rights to privacy pursuant to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. There are also inquiries that were not authorized by me. With that being said, that also makes me avictim of identity theft. I demand that the inquiries and items listed are to be deleted to correct my credit report.Please delete the items as soon as possible.this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. **Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization. **You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**. **Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **.

3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law.

You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Reporting Dear Equifax Customer Service, I am writing to formally dispute the accuracy of information being reported on my credit file, as per my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I have identified an account that is being inaccurately reported, which includes an address and name that do not correspond with my Driver 's License or rental agreement.

According to 15 U.S. Code 1681, consumer reporting agencies are required to conduct a fair and reasonable investigation upon receiving a written dispute. Inaccurate credit reporting not only undermines my creditworthiness but also violates my rights as a consumer.

I request that you investigate this matter promptly and remove the inaccurate account from my credit report. Please find attached any supporting documentation that verifies my claim, including copies of my Driver 's License and rental agreement.

I am looking forward to your swift response and resolution of this matter. If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your attention to this important matter. 

Sincerely CFPB PLEASE REVIEW FOR VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2024 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Reporting Dear Equifax Customer Service, I am writing to formally dispute the accuracy of information being reported on my credit file, as per my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I have identified an account that is being inaccurately reported, which includes an address and name that do not correspond with my Driver 's License or rental agreement.

According to 15 U.S. Code 1681, consumer reporting agencies are required to conduct a fair and reasonable investigation upon receiving a written dispute. Inaccurate credit reporting not only undermines my creditworthiness but also violates my rights as a consumer. 

I request that you investigate this matter promptly and remove the inaccurate account from my credit report. Please find attached any supporting documentation that verifies my claim, including copies of my Driver 's License and rental agreement. 

I am looking forward to your swift response and resolution of this matter. If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your attention to this important matter. 

Sincerely CFPB PLEASE REVIEW FOR VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: DE

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigate. The inaccuracies are highly injurious to my credit score XXXX  XXXX XXXX IN  accordance with the fair credit reporting act, Public LAW 91-506, TITLLE VI, SECTIONS 611, Please send me an updated copy of my credit report after your reinvestigation.

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I cant access my equifax credit report. I havent placed a freeze on my account and has spoken to multiple agents and no one seems to be able to help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
I just checked my credit report and this debt for J J MARSHALL ASSOCIATES is on my credit report. The company is from XXXX XXXX whom I intend to take to court and sue for fraudulently attaching this debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: GA

Complaint narrative:
Subject : Dispute of Inaccurate Reporting XXXX  ( Report Number : XXXX ) Dear Consumer Financial Protection Bureau XXXX I am writing to formally dispute inaccurate and misleading information being reported by XXXX  on my credit report. The details of the account are as follows : Details of the Disputed Account : Account Name : XXXX Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Repossession ( {$8100.00} past due as of XX/XX/XXXX ) Original Balance : {$18000.00} This account contains several inaccuracies and reporting issues that violate federal credit reporting standards. 

Grounds for Dispute : 1. Repossession Reporting : The account status indicates a repossession dating back to XX/XX/XXXX, yet the payment history lists ongoing repossession statuses through XX/XX/XXXX. This creates a misleading representation of the account. Under 15 U.S.C. 1681s-2, creditors are required to furnish accurate and consistent data.

2. Inconsistent Payment History : The payment history redundantly lists repossession for multiple months ( e.g., XX/XX/XXXX, XX/XX/XXXX, and prior months ), creating confusion and potential over-reporting of derogatory marks. This redundant reporting must be corrected. 

3. Validation of Debt and Balance : The current balance of {$8100.00} is inconsistent with prior communications regarding the debt. XXXX has not provided adequate documentation to validate the amount owed, as required by 15 U.S.C. 1681i.

4. Failure to Correct Prior Dispute : This account was previously disputed, as noted in the reinvestigation details dated XX/XX/XXXX. However, XXXX failed to fully address or correct the inaccuracies identified in the dispute, violating the Fair Credit Reporting Act ( FCRA ). 

Requested Resolution : 1. Remove Duplicate Repossession Entries : Correct the payment history to eliminate redundant repossession statuses for months following the initial repossession in XX/XX/XXXX. 

2. Validate the Debt and Balance : Provide a detailed validation of the {$8100.00} balance, including a breakdown of charges, payments, and fees. If the debt can not be validated, delete the account entirely from my credit report.

3. Ensure Compliance with FCRA : Verify that all reporting related to this account complies with federal regulations, including the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ).

4. Amend Credit Reporting : Update the accounts reporting to accurately reflect its status and remove any redundant or misleading information. 

I am requesting the CFPBs assistance in investigating this matter and ensuring that XXXX complies with its legal obligations. Please confirm receipt of this dispute and provide updates regarding your investigation. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX a collection of {$2100.00} on my account without contacting me. they claimed to send email to me and I did not receive any email. the collection amount and information reported on my credit report is inaccurate and it has affected my credit and ability to scale forward financially. 

I am requesting you to please compel XXXX XXXX to remove a collection of {$2100.00} from my account based on the following reasons : 1. I was not notified of this account before reporting it as as collection on my credit report.

2. I was not aware of this debt from any original creditor.

3. Every attempt to call them to settle this has not been fruitful.

4. I was not giving the opportunity to dispute this debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i had my purse stolen with my phone inside which was hacked and the person did a bunch of fraud. They used XXXX  from my chase business account and XXXX  themselves twice once for XXXX and XXXX for XXXX on XX/XX/24. I called chase on XX/XX/24 to secure my accounts and credit cards and explained what happened and over the weekend on XX/XX/24 i called again when i was locked out of all my emails and bank accounts and they advised i go into the bank monday but it was a holiday weekend so when i went in on XX/XX/24 the teller showed me all the transactions and XXXX ones were pending i do not know why the bank did not stop them from going through or why they refuse to give me my money back as i have over XXXX evidences one showing the man walking away with my purse from the detective and all the information name address everything on the person who hacked into my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/year> RE : Correction to my personal information Dear TransUnion, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 


XXXX XXXX XXXX XXXX, FL 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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: KS

Complaint narrative:
I am writing to formally dispute the information reported on my ChexSystems consumer report regarding an account with XXXX XXXX XXXX XXXX ( Account Number : XXXX ). The entry for this account was reported as " Account Abuse '' and " XXXX XXXX, '' but the balance and charge are the result of fraudulent activity, and the creditor failed to conduct an appropriate investigation, as required by federal law. 
Here are the relevant details regarding this dispute : Account Number : XXXX Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX, XXXX, KS XXXX Date of Closure : XX/XX/year> Reported SSN/ID : XXXX Facts of the Case : 1. Fraudulent Activity : I closed the account on XX/XX/year> with a zero balance. However, after the closure, a fraudulent charge was processed on the account, despite it being closed. 
2. Failure of Proper Investigation : I disputed the charge with XXXX XXXX XXXX XXXX, but they refused to conduct an appropriate investigation of the fraudulent charge, in violation of the Fair Credit Reporting Act ( FCRA ). The creditor failed to follow the required procedures for addressing fraud, and as a result, the charge remains incorrectly reported on my ChexSystems report.

3. Violation of Federal Law : Under the Fair Credit Billing Act ( FCBA ) and Fair Credit Reporting Act ( FCRA ), creditors are required to properly investigate disputes, especially when fraud is suspected. I have complied with the requirements for disputing fraudulent activity and expected the creditor to investigate and resolve the issue. Instead, they improperly allowed the fraudulent charge to remain on the account and were negligent in their duties.

I request that ChexSystems conduct a thorough investigation into this matter, as I have not authorized or incurred the fraudulent charge, and I was not involved in any
activity related to this charge. I also request that you update my consumer report to reflect the removal of this incorrect entry as soon as possible, in accordance with federal law. The results of your investigation should also produce a detailed transaction history of the account as well as all of the dispute letters I sent to the credit union.

Please inform me of the results of your investigation, and provide me with a copy of my updated report once the dispute is resolved. I am available to provide any additional documentation or information that may be necessary.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been affected by a few breaches that have occured, I have free monitoring thru these companies and my bank. 
Experian has several vehicles inquiries on varing dates last year ( 3 ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX have been notified of a few breaches that have occured, been offered free monitoring from them and my bank. All of my reports contain inquiries that I didn't request .... 
Experian has ( 5 ) vehicle inquires that occured XX/XX/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 it appears it is due to come off as of yesterday but I never requested credit with them to begin with. 

XXXX has ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I contacted XXXX and they did not have my name, bday, or social in their system and could not explain how this occurred without a record of me, the financial supervisor advised me to dispute it. 
When contacting credit bureau and companies, I was ultimately referred to Cfpb to report for deletion.

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 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I accidentally made a duplicate payment of {$110.00} on a loan I have. The vendor associated with this payment appears as XXXX XXXX XXXX XXXX on my checking account. 

The following day, XX/XX/XXXX, I contacted my bank, USAA, to request a stop payment on one of the payments. USAA informed me that they are unable to stop, cancel, or block an authorized direct draft until it posts to my account. They advised that once the payment posts, I can dispute it and place a stop payment on future charges from that merchant. 

I sought clarification from the USAA agent, specifically asking if I had to wait until the payment is deducted from my accountcausing my account to overdraft and resulting in a {$29.00} overdraft fee. The agent confirmed this, stating : " Yes, once authorized it can not be stopped, and stop payments only affect charges three business days forward of the date you request it. '' " It only affects future payments, not past or pending charges. Once it is pending on the account or posted, you may dispute it and stop payment only on future payments. '' I also informed the USAA agent that I had contacted the merchant directly but have not received a response from them regarding this matter.

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