vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-28 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: NV

Complaint narrative:
Please take a look at my credit profile it is not accurate 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. I told XXXX, Transunion, and XXXX to reinvestigate these accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if 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 2024-07-28 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:
Recently i looked at copy 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. 
please delete as soon as possible.

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 2024-07-28 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: PA

Complaint narrative:
Recently i looked at copy 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. 
please delete as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Dispute of Debt and Cease and Desist Communication Request under 15 USC 1692 ( c ) Dear XXXX XXXX XXXX XXXX XXXX I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the account referenced as [ Account # XXXX ], which you claim I owe. I am formally disputing the validity of this debt in its entirety and requesting that you provide verification of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ).

In accordance with 15 USC 1692 ( c ) of the FDCPA, I request that you cease all communication with me regarding this debt, except as required by law. This includes, but is not limited to, phone calls, letters, emails, or any other form of contact. 

If you fail to comply with these requirements my rights as a consumer are to seek legal action ( sue ) against your agency ( XXXX XXXX XXXX ) for violations of the FDCPA. This could result in actual damages, statutory damages up to {$1000.00} or more per violation and attorneys fees and costs. 

Ive attached my consumer report from all XXXX credit bureaus ( Equifax, XXXX XXXX XXXX XXXX ) that your agency ( XXXX XXXX XXXX  ) is reporting this alleged debt. 

Thank you for your prompt attention to this matter. I expect to receive confirmation that you have received this dispute and cease communication request within 30 days or delete this alleged debt from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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:
Subject : Dispute of Debt and Cease and Desist Communication Request under 15 USC 1692 ( c ) Dear XXXX XXXX XXXX aka XXXX I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the account referenced as [ Account # XXXX ], which you claim I owe. I am formally disputing the validity of this debt in its entirety and requesting that you provide verification of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

In accordance with 15 USC 1692 ( c ) of the FDCPA, I request that you cease all communication with me regarding this debt, except as required by law. This includes, but is not limited to, phone calls, letters, emails, or any other form of contact. 

If you fail to comply with these requirements my rights as a consumer are to seek legal action ( sue ) against your agency ( National Credit Adjusters ) for violations of the FDCPA. This could result in actual damages, statutory damages up to {$1000.00} or more per violation and attorneys fees and costs. 

Ive attached my consumer report from all XXXX credit bureaus ( XXXX, Experian XXXX XXXX XXXX ) that your agency ( XXXX XXXX XXXX ) is reporting this alleged debt. 

Thank you for your prompt attention to this matter. I expect to receive confirmation that you have received this dispute and cease communication request within 30 days or delete this alleged debt from my consumer reports.

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 2024-07-28 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: General Motors Financial Company, Inc.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/year> XXXX Dear Credit Bureau, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your promo response to this issue. Please be so kind to forward documentation that you have had the unauthorized inquiry removed. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: UT

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute an erroneous collection account reported by XXXX in the amount of {$1200.00} on my credit report. This account is not mine, and I believe it to be associated with my ex-spouse. I have not been with XXXX since XXXX and am currently a customer of XXXX. Therefore, I am not responsible for this bill. Details of the Disputed Account : Creditor : XXXX XXXX : {$1200.00} The presence of this inaccurate information on my credit report is unjust and has negatively affected my credit score. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incorrect information on my credit report and expect the information to be corrected or removed if found to be inaccurate. I kindly request the Consumer Financial Protection Bureau to investigate this matter and have this erroneous account removed from my credit report. I have attached copies of the following documents to support my claim : Proof of my identity ( Drivers License, Social Security Card ) Current XXXX  bill I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with an update on the status of your investigation. Thank you for your assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: UT

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute an erroneous collection account reported by XXXX in the amount of {$1200.00} on my credit report. This account is not mine, and I believe it to be associated with my ex-spouse. I have not been with XXXX since XXXX and am currently a customer of XXXX. Therefore, I am not responsible for this bill. Details of the Disputed Account : Creditor : XXXX Amount : {$1200.00} The presence of this inaccurate information on my credit report is unjust and has negatively affected my credit score. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incorrect information on my credit report and expect the information to be corrected or removed if found to be inaccurate. I kindly request the Consumer Financial Protection Bureau to investigate this matter and have this erroneous account removed from my credit report. I have attached copies of the following documents to support my claim : Proof of my identity ( Drivers License, Social Security Card ) Current XXXX bill I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with an update on the status of your investigation. Thank you for your assistance. 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 2024-07-28 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-07-28 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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Last year in XXXX I deposited XXXX at XXXX XXXX XXXX XXXX, XXXX, CO XXXX and the machine malfunctioned and didn't credit my account. I went in the following day and walked into the bank and talked to a staff member who was no help and just told me to call the number. I did and the gentleman who helped me credited my account the XXXX. DAYS later it was taken away and they said I only deposited XXXX dollars and took away XXXX of my money. Then they closed my account and keep hounding me for a debt that they caused. They never gave me the security footage that I asked for as proof and basically blew me off afterwards. Feels like I was discriminated against because of the color of my skin.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/year> ALLY FINANCIAL Dear Credit Bureau, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your promo response to this issue. Please be so kind to forward documentation that you have had the unauthorized inquiry removed. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of the equifax data breach and they have not updated my credit report since XXXX. Ive called and requested my credit report several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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:
I checked my credit profile and found some inquiries that is not 100 % accurate these items are not being reported as 100 % correct! I know that this is against the laws that protect me to report any information, data, XXXX inquiries that have not been showing as 100 % accurate. Inside The fair credit reporting act it say that every single thing on my credit must be 100 % accurate under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ) these fraudulent inquires on my credit report is a huge violation of not reporting a account 100 % accurately for these violations I can sue transunion for {$4000.00} in federal court for {$1000.00} per violation!

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 2024-07-28 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: PA

Complaint narrative:
I am a victim of XXXX XXXX, I will attach my letter to the bureau Aswell as my XXXX lettter that is notarized proving my case. Please remove XXXX XXXX XXXX, XXXX, and both XXXX XXXX  accounts from my report. 


XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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 am a victim of XXXX XXXX, I will attach my letter to the bureau Aswell as my XXXX lettter that is notarized proving my case. Please remove XXXX XXXX XXXX, XXXX, and both XXXX XXXX accounts from my report. 


XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 2024-07-28 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: PA

Complaint narrative:
I did not authorize XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
Made a complaint to the CFPB XX/XX/XXXX. XXXX made XX/XX/XXXX. XXXX XXXX XXXX  The company never followed up with their promise. Its now XX/XX/XXXX. Thats a whole week of business days. I called them today on XX/XX/XXXX and they said that they have not shipped out the card and that when they do itll take XXXX business days. This is completely different from the resolution in the complaint listed above. They also said the case was still open despite it being closed. VERY upset right now at having been lied to several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have giving you written, unwritten, verbal and non Verbal per 15 usc 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: FIRST PORTFOLIO SERVICING INC
State: PA

Complaint narrative:
Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have giving you written, unwritten, verbal and non Verbal per 15 usc 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
I submitted a complaint already ( XXXX ). That was upheld and they credited one fee back to my account. There is another fee outstanding. I contacted chat again and they again gave the incorrect info I was already given that auto save wasnt set up and that they cant reimburse me. So now Im making another complaint

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-28 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: GA

Complaint narrative:
Subject : Dispute of Debt and Cease and Desist Communication Request under 15 USC 1692 ( c ) Dear XXXX XXXX XXXX, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the account referenced as XXXX XXXX XXXX XXXX XXXX, which you claim I owe. I am formally disputing the validity of this debt in its entirety and requesting that you provide verification of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

In accordance with 15 USC 1692 ( c ) of the FDCPA, I request that you cease all communication with me regarding this debt, except as required by law. This includes, but is not limited to, phone calls, letters, emails, or any other form of contact. 

If you fail to comply with these requirements my rights as a consumer are to seek legal action ( sue ) against your agency XXXX XXXX XXXX XXXX ) for violations of the FDCPA. This could result in actual damages, statutory damages up to {$1000.00} or more per violation and attorneys fees and costs. 

Ive attached my consumer report from TransUnion that your agency XXXX XXXX XXXX XXXX ) is reporting this alleged debt. 

Thank you for your prompt attention to this matter. I expect to receive confirmation that you have received this dispute and cease communication request within 30 days or delete this alleged debt from my consumer reports.

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 2024-07-28 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/year> XXXX  XXXX Dear Credit Bureau, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your promo response to this issue. Please be so kind to forward documentation that you have had the unauthorized inquiry removed. 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 2024-07-28 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/year> XXXX XXXX Dear Credit Bureau, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your promo response to this issue. Please be so kind to forward documentation that you have had the unauthorized inquiry removed. 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