vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

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 2024-08-12 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: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number : XXXX My correct address is : XXXXXXXX XXXX XXXX  XXXX, XXXX SC XXXX My employer is : XXXX  Please correct this XXXX  information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Account - portfolio recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This to formally lodge a complaint concerning the improper handling of my credit information by the major credit bureauXXXX. Specifically, my complaint pertains to a collection and a credit card account that has been fraudulently reported and is improperly retained on my credit report despite my efforts to rectify the matter.

Account name/number : LVNV Funding LLCXXXX I am not liable to any debt with XXXX XXXX XXXX I did not contract with LVNV funding and they did not provide original documents as requested. 
Account name/number : XXXX XXXX XXXX XXXX From fraudulent use of my personal identification and more damaging from the inaccuracies showing across my consumer report from different credit bureaus.

The accounts in question was reported as a result of identity theft, and I have provided the necessary documentation to support my claim of fraud. Despite this, the accounts remains on my credit report, negatively imp

acting my credit score and financial standing. This situation is in clear violation of the Fair Credit Reporting Act ( FCRA ), which is designed to protect consumers against inaccuracies in credit reporting and to ensure the proper handling and deletion of fraudulent information. The FCRA mandates the following : Accuracy and Integrity ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are required to follow reasonable procedures to ensure the accuracy and integrity of the information they report. The retention of this fraudulent account clearly fails to meet this standard. Dispute Resolution ( 15 U.S.C. 1681i ) : When a consumer disputes the accuracy of information on their credit report, the credit reporting agency is obligated to investigate the dispute and make necessary corrections. I have disputed this account multiple times, but the fraudulent information remains unresolved on my report.
The continued presence of this incorrect information on my credit report is not only unjust but also harmful to my financial health and reputation. I respectfully request that the CFPB take immediate action to investigate this matter and ensure that the credit bureaus comply with their obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: CA

Complaint narrative:
This to formally lodge a complaint concerning the improper handling of my credit information by the major credit bureauEquifax. Specifically, my complaint pertains to a collection and a credit card account that has been fraudulently reported and is improperly retained on my credit report despite my efforts to rectify the matter. 
Account name/number : XXXXXXXX XXXX XXXXXXXX I am not liable to any debt with XXXX  XXXX XXXX, I did not contract with XXXX funding and they did not provide original documents as requested. 
Account name/number : XXXX XXXX XXXX XXXX From fraudulent use of my personal identification and more damaging from the inaccuracies showing across my consumer report from different credit bureaus. 
The accounts in question was reported as a result of identity theft, and I have provided the necessary documentation to support my claim of fraud. Despite this, the accounts remains on my credit report, negatively impacting my credit score and financial standing. This situation is in clear violation of the Fair Credit Reporting Act ( FCRA ), which is designed to protect consumers against inaccuracies in credit reporting and to ensure the proper handling and deletion of fraudulent information. 
The FCRA mandates the following : Accuracy and Integrity ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are required to follow reasonable procedures to ensure the accuracy and integrity of the information they report. The retention of this fraudulent account clearly fails to meet this standard.

Dispute Resolution ( 15 U.S.C. 1681i ) : When a consumer disputes the accuracy of information on their credit report, the credit reporting agency is obligated to investigate the dispute and make necessary corrections. I have disputed this account multiple times, but the fraudulent information remains unresolved on my report.

The continued presence of this incorrect information on my credit report is not only unjust but also harmful to my financial health and reputation. I respectfully request that the CFPB take immediate action to investigate this matter and ensure that the credit bureaus comply with their obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXXXXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$960.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: AR

Complaint narrative:
Hello, I entered a XXXX in XXXX with the non-profit XXXX, and they have been so helpful. They have issued every payment as promised. Although my XXXX XXXX, from Continental Finance, has received on time agreed upon payments of {$31.00} from them, they have not taken them off my balance or acknowledged them in anyway. They are also trying to collect from me at the same time, most recently offering a 50 % settlement. I am not interested in that. They should do the right thing.

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 2024-08-12 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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-08-12 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: Auto Credit of Virginia Inc.
State: TX

Complaint narrative:
I am a victim of Fraud and Identity theft and wanted to view my credit report recently to find that a company by the name of Auto Credit of Virginia has pulled my credit report, lied to XXXX, and has lied to the XXXXXXXX XXXX XXXX about me having a credit balance with them. I did not apply for credit with Auto Credit of Virginia in the years of XXXX and XXXX. Somehow Auto Credit of Virginia managed to pull my credit report without my consent this year, XX/XX/XXXX and stated that I applied for credit for something with them, but I did not contact Auto Credit of Virginia for anything at all. I disputed the inquiry on my XXXX report on approximately XX/XX/XXXX and I disputed the fact that Auto Credit of Virginia isn't getting permissions from me to place any activities on my credit report without my knowledge. I want Auto Credit of Virginia to be removed from my XXXX credit report ASAP. The company continuously performs activities of fraud and this has to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX has not resolved my dispute about the debt that has occurred in XXXX their are closed accounts from XXXX I've disputed addresses that I've never lived and some out of state debt that is being charged in my name from XXXX XXXX .I 've disputed 11 hard inquiries that I didn't have any knowledge about when I reached out to XXXX disputing the claims no action was taken and I've been fighting my disputes since XXXX starting around XXXX and it's now XXXX XXXX and the disputes sill remain unanswered

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 2024-08-12 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:
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. Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : DEPT OF EDXXXX, Account name : XXXX XXXX XXXX, and Account name : XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2024 a fraudulent purchase was made on my Chase credit card from XXXX XXXX in the amount of {$1200.00}. I did not notice this purchase until XX/XX/2024 when I received an email from Chase on XX/XX/2024 alerting me of a suspect transaction made on my Chase credit card in the amount of {$1200.00}, also from XXXX XXXX. Fortunately, this transaction was declined and I confirmed that I did not make the purchase. At that point, I checked my account via the Chase mobile app and noticed the purchase from XXXX XXXXy on XX/XX/2024 for {$1200.00}. I did not make this purchase and immediately reported it as fraud on the Chase mobile app and followed up with a phone call to Chase verifying the purchase as fraud. 
On XX/XX/2024 I received a letter in my Chase account that they had completed their review of unauthorized transactions on my account. The letter stated that I was responsible for paying for the purchase made on XX/XX/2024 from XXXX XXXX in amount of {$1200.00}. The reason stated " Merchandise was billed to or chipped to your address ''. I do not know how my information was stolen but I absolutely did not make this purchase and there was no merchandise shipped to my address. I do not know how Chase came to this conclusion given that this was 1 of 2 fraudulent purchases attempted with my card ( the second one being the {$1200.00} transaction that was appropriately flagged and declined ). I suspect that when I bought gas on XX/XX/2024 in XXXX, WA my information was stolen from the card reader. 
I am extremely upset by this experience as I did not buy anything from XXXX XXXX and I can not afford to pay for this large transaction. This needs to be investigated further and I would like to be refunded immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX  XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$960.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX  XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$960.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number : XXXX My correct address is : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX SC XXXX My employer is : XXXX  Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Bridge IT, Inc.
State: CO

Complaint narrative:
XXXX XXXX account XXXX XXXX has violated my rights to privacy and is acting outside the consumer laws in its own capacity. " Brigit '' has access to my bank account and instead of billing my account on the days i had scheduled due to my paycheck deposit schedule, they would debit my account when the balance was too low, multiple days later causing overdraft charges, and late payments on my credit report. False and misleading advertisement. 

15 US Code 1692 ( 2 ) ( a ) ( b ) False or misleading representations : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

15 US Code 1681 section 602 ( a ) Accuracy and fairness of credit reporting The Congress makes the following 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.

15 US Code 1681- ( a ) ( 22 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

Company response to consumer: Closed with explanation