vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 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: TX

Complaint narrative:
MY NAME IS XXXX XXXX AND IM SUBMITTING THIS COMPLAINT BY MYSELF. THERE IS NO UNAUTHORIZED THIRD PARTY IN CONNECTION WITH THIS COMPLAINT. 

There are some Unauthorized/Fraudulent inquiries being furnished to my consumer report without my permissible purpose, which is a violation of the Fair Credit Reporting Act. No written instruction has been given to Equifax to report these inquiries to my credit file. I have filed an Identity Theft Affidavit with the Federal Trade Commission & attached it to this complaint along with my Drivers License, Proof of my Current Address, & my Cover Letter listing each Fraudulent Inquiry. DO NOT ADD A FRAUD ALERT TO MY CONSUMER REPORT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: TX

Complaint narrative:
I purchased some clothing from my children from XXXX Order number # Online # XXXX. I used Afterpay to make the payment. The order was never received. I open a dispute on XX/XX/24 explaining to Afterpay that my package was never received. I sent them the tracking number and the details to reflect that the order was never received. They never responded. Theres no contact information such as a phone number for the company. I sent messages and Afterpay did not response. It wasnt until I filed a complaint is when they responded and they responded with a generic statement stating that they will investigate. Afterpay did not investigate the charges and still took money out of my account. I had to dispute the charges with my bank and change my debit card. No more communication with this company since. They sent out a generic statement stating that I am responsible for the payment despite never receiving the order. They have done nothing to XXXX to try to get my money back. They havent sent out any correspondence to XXXX They just expect for their customers to pay for good that wasnt received. They cant report my non payment/ this dispute to the credit bureaus because I have evidence that supports me never receiving the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TX

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax, XXXX, XXXX, XXXX score and any and all reporting agency 's none or un-known to me at the time of this complaint,15 USC 1682 In general, a financial institution, may not furnish personal information to a non-affiliate third party unless such financial institution clearly, disclosed to consumer in writing, or in Eletronic, or other form permitted by regulation prescribed form or other form permitted by regulations described by under 15 USC 6801/ 6802 and 6803 of this Title, This was done without my consent. the furnish of personal and incorrect information, without my written consent. The Consumer controls what gets reported. and any unauthorized reports are illegal. Credit Bureau do not exist.

15 USC 6801 the term consumer report does not include, the violation caused the credit. selling, and giving of my personal information. this private information was reported illegally and not protected by law.

This companies are also reporting late payments of department policy, and this is a violation of Title 15 USC 6802 and 6803.

furnishing of inaccurate by consumer reporting agency, has caused irreparable harm to credit, and wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-03-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
KIMBALL , TIREY & ST. JOHN LLP contacted me about a debt they are trying to collect which I don't owe, and I informed the debt collector the debt is not mine.I have requested more info about the debt and I never got any documents from them to prove it's belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: PA

Complaint narrative:
They have the wrong name wrong information. I try to address it to remove the false address. And which that examined question and I have no knowledge about. Does different credit card? Different name does not mean and which that refuse too. And I would like to just have the proper information on my credit report. That's all I want

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 2024-03-19 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-03-19 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: SC

Complaint narrative:
XXXX XXXX To Whom this may concern, I am writing to Correct My personal information on file with your company. 
Please update my only address and remove all other addresses as they are not recieveable to me usps I dont know who these addresses belong to remove all other addresses and update my address

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 2024-03-19 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: TX

Complaint narrative:
MY NAME IS XXXX XXXX AND IM SUBMITTING THIS COMPLAINT BY MYSELF. THERE IS NO UNAUTHORIZED THIRD PARTY IN CONNECTION WITH THIS COMPLAINT. 

There are some Unauthorized/Fraudulent inquiries being furnished to my consumer report without my permissible purpose, which is a violation of the Fair Credit Reporting Act. No written instruction has been given to Experian to report these inquiries to my credit file. I have filed an Identity Theft Affidavit with the Federal Trade Commission & attached it to this complaint along with my Drivers License, Proof of my Current Address, & my Cover Letter listing each Fraudulent Inquiry. DO NOT ADD A FRAUD ALERT TO MY CONSUMER 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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I pulled a copy of my most recent Transunion credit report dated XXXX and notice some inquires I do not recognize. I've gone back and contacted XXXX who the XXXX inquires are from ( dated XXXX & XXXX respectively ) and they are not tied to any accounts I currently have. They recommended I reach out to Transunion, so I also sent Transunion a dispute letter through the mail and haven't received any reply from them and that was sent on the XXXX or XXXX of 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 2024-03-19 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: NJ

Complaint narrative:
I was a victim of identity theft and fraud due to a data breach with XXXX. A calculus of accounts were opened and I am suffering harm due to such events. I am seeking help to have these items/accounts deleted such as inquiries that need delting as they were opened under fruad as well XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, these are the account that are causing me n my family great stress and anguish on my mental and physical state of being. as well as hendering me from a happy life and pursuit of happiness by recieving calls to negatively affecting my consumers report. please help in anyway you can assist me in the hard times. it is experians and XXXX job to keep my consumers report accurate, help me be heard. they will not respect my rights without you. thank you for your ongoing service. 
Here is my ftc report # to aid in investigation 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 2024-03-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am writing to you with regards to an erroneous collection account that appears on my credit report. According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to demand full debt validation if a debt collection agency intends to report any debt on my credit profile. It has come to my attention that the collection account listed under your companys name has not been appropriately validated. 

I am hereby formally requesting that Transworld Systems Inc. and XXXX provide the following documentation, which constitutes full debt validation : 1. A copy of the purchase agreement between the original creditor and Transworld Systems Inc., clearly indicating the transfer of debt over the account in question. 
2. The original contract bearing my written signature, affirming my agreement to the services provided by the original creditor.

3. Documentation proving that Transworld Systems Inc. sent me a disclosure of full debt validation, notifying me of the alleged debt and my rights as a consumer under the FDCPA.

Please be aware that mere account information and statements will not be accepted as full debt validation. As a consumer, I reserve the right to demand stringent validation measures to protect my creditworthiness and rights.

Failure to provide the requested documentation within [ state a reasonable timeframe, from the date of this letter will result in further action on my part, including filing a claim against Transworld Systems Inc. for non-compliance with federal consumer protection laws. 

I trust that Transworld Systems Inc. and XXXX will promptly address this matter with the seriousness it warrants and take immediate steps to rectify the erroneous listing on my credit report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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:
hello my name is XXXX XXXX XXXX I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items 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 2024-03-19 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: PA

Complaint narrative:
hello my name is XXXX XXXX XXXX I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2024, I asked, the U.S. Department of Education to no longer sell my personal information. I, the consumer, have suffered harm and injury due to these companies selling my private consumer information. These companies make claims to protect their consumers, at the same time all of their recent XXXX annual reporting ( under risk ) mention clear violations of U.S. Code title 15, including ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( d ) Limitations on the sharing of account number information for marketing purposes. A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.

15 U.S. Code 1681- Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting The Congress makes the followi
ng findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

I have sent the companies in the mail, documentation stating, " Per the FCRA, as a federally protected consumer, I am now opting out of any and all obligations, written, unwritten, verbal and nonverbal per 15 USC 6802. '' None of the companies have responded via mail and continue to sell my private information without my consent.

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 2024-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
multiple unauthorized inquiries on my credit report. 
Wakefield & associates XXXX $ XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$460.00} XX/XX/XXXX Wakefield & associates XXXX {$520.00} XX/XX/XXXX Wakefield & associates XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

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 2024-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Kohls order XXXX was placed on XX/XX/23, for the price of {$64.00}. The order delivered on XX/XX/23. The entire order was returned on XX/XX/23, but only {$53.00} was refunded at the time of returning the order. I was unaware at of the outstanding balance of {$10.00}, on my Kohl 's card, until I received a call from collections. I explained my situation to them. They said they would close the case and bring my Kohl 's card balance to XXXX. Since my first call with Kohl 's collections, I have had quite a few more. Each time I have to explain my situation as if it was the first time. They all have said they would " handle '' it, but so far the outstanding balance keeps going up and I keep getting calls from Kohl 's. Meanwhile, Kohl 's submitted a " failure to pay '' entry on my credit report, which consequently lowered my credit score by XXXX points. To say that I'm heated is an understatement.

Company response to consumer: Closed with monetary relief