vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$110.00} Collection XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$58.00} Late/Open XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Open XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: OH

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX  ( original creditor : XXXXXXXX XXXX  ) Account Number : XXXX Specific Issue : I noticed a discrepancy in the " Date Opened '' for this collection account across the credit reporting agencies. 
I

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 2024-11-11 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth :XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant of inaccurate late payments I reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand this payment be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Request for Assistance with Fraudulent Charges on Chase Credit Card Account I am reaching out to request assistance regarding a serious issue with my Chase credit card account involving fraudulent charges totaling over {$7000.00}. I promptly informed Chase of these unauthorized charges, yet my claim was denied by the company, leaving me without recourse despite my best efforts to resolve the matter. 

The fraudulent transactions were placed through my Amazon account, with numerous items ordered using my personal address, although I did not initiate or authorize any of these purchases. I immediately reached out to Amazon to report the issue and request a resolution, but they were unable to assist me. Consequently, I filed a claim with Chases insurance as a necessary step to address this unauthorized activity. 

Despite providing all required documentation and promptly reporting the incident, Chase denied my claim, leaving me with a substantial financial burden due to charges I did not make. This has created significant financial stress, and I am now reaching out to your agency for help in investigating this matter and working toward a resolution. 

Please let me know if you need any additional information or documentation to proceed. I appreciate any assistance the Consumer Financial Protection Bureau can provide in ensuring that consumers like myself are protected from financial harm in cases of unauthorized charges. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-11 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-11 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: PA

Complaint narrative:
My credit card account Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported closed on XX/XX/year>. On XX/XX/year> they reported a late payment on my credit report. They can not report late payments on a closed account. I would like them to remove the late payments immediately

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Im not entirely sure how far it goes back but USAA has been charging me overdraft fees because theyre constantly taking the money out of my account when the funds are not in there ( insufficient funds ). Knowing this, they still take the money out causing my account to be overdraft ( because of them ) then charging me overdraft fees causing it to be even more overdraft.

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 monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I spoke with the company via text on XX/XX/XXXX and they set a deferment up for me and told me I have until XX/XX/XXXX to make payment on the deferment, I filled out the paperwork and filed it, the adjustment is not showing up online for me to pay, and they are still calling and texting both my husband and I daily with a payment arrangement already in place for the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: PA

Complaint narrative:
To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking.

ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$36000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$10000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2700.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-11-11 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: IN

Complaint narrative:
Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have several inquiries hard inquiries on my credit report from credit applications I have never applied for the breach cause so much sensitive information to be out there I have tried to call each one to report this a fraud and the credit beaures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I always make my payments on time. It shows that I am 30 days late in XX/XX/year>. I am under an automatic draft and not certain as to how this occurred and is an error on my part. However, I understand according to federal law 15 U.S. code 1681a ( 2 ) ( Ai ), does not include transactions or experiences between the consumer and the company. 15 U.S. code 1666b ( a ) credit may not report late. I'm asking that this late payment be removed from any credit report as a gesture of goodwill. Thank you!

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 2024-11-11 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: IN

Complaint narrative:
I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.

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 2024-11-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to 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
Consumer complaint received 2024-11-11 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX. XXXX XXXX XXXX. Account number : XXXX XXXX. XXXX XXXX XXXX. Account number XXXX XXXX. XXXX XXXX XXXX. Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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:
I am writing to formally address an unauthorized credit inquiry made by your company, which I discovered while reviewing my personal credit report. The inquiry in question was made without my consent or authorization, and I did not authorize anyone employed by your company to access or view my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b ( c ), you are prohibited from obtaining a credit report unless the consumer has granted permission through an express, signed authorization. Your companys failure to obtain my written consent or valid permission prior to conducting this inquiry constitutes a violation of the FCRA, infringing upon my privacy rights as a consumer.

This is a serious violation of my rights under the FCRA and other related privacy laws, such as the Privacy Act of 1974 and the Electronic Privacy Communications Act ( EPCA ). Unauthorized inquiries represent a breach of the statutory protections afforded to consumers by the federal government. 

Given this situation, I am requesting that you provide me with a copy of the signed authorization form that granted you the right to access my credit report. Please send this document to the address listed above within five ( 5 ) business days.

If you can not provide proof of my authorization for the credit report inquiry, I demand that you immediately notify the credit bureaus to remove this unauthorized inquiry from my credit report. Additionally, I request that you remove all of my personal information from your records.

Please respond in writing to confirm that you have complied with my request. Should you fail to provide evidence of authorization or fail to remove the unauthorized inquiry within the requested timeframe, I will pursue all available legal remedies, including seeking statutory damages, punitive damages, and reasonable attorney fees under 15 U.S.C. 1681n.

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 2024-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX ct XXXX MD XXXX XX/XX/year> Midland Credit Management XXXX Inc. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Cease and Desist Request Account Number : To Whom It May Concern : I am writing to formally request that Midland Credit Management , IncXXXX cease all communication with me regarding the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop contacting me about this debt. As such, I request that you : Immediately stop all phone calls, emails, and written correspondence related to this debt. 
Refrain from attempting to collect this debt or report it to credit bureaus. 
Provide written confirmation of your receipt of this request. 
Please be advised that any further attempts to contact me or take action regarding this matter will be considered a violation of my rights under the FDCPA, and I will not hesitate to report such actions to the appropriate authorities, including the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the state Attorney General 's office. 

Additionally, I request that you send me written verification of the debt, including the original creditor 's name, the amount owed, and any supporting documentation, as required by law. If you have already provided such verification, please do not contact me again unless legally required. 

Thank you for your attention to this matter. I expect that you will honor my request and cease all further communication regarding this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: Conn's, Inc.
State: TX

Complaint narrative:
Continue to report negative information to credit after charge off. 
No 1099 sent for profit loss or charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX. XXXX XXXX XXXX. Account number : XXXX XXXX. XXXX XXXX XXXX. Account number XXXX XXXX. XXXX XXXX XXXX. Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

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