vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 



XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: FL

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows XXXX credit inquiries that I did not authorize. Please see identity theft report attached. 

I am writing to dispute the following inquiries and asking for their removal from my credit report : 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  Please have these unapproved inquiries removed from my credit report. Please update me via email with a full report on your findings within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report via email once this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Payfare International Inc.
State: MO

Complaint narrative:
Was hung up on several times trying to find resolution from XXXX XXXX. All these were not authorized charges XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX card replacement from Payfare {$5.00} XXXX-card replacement from Payfare {$5.00XXXX I put the card replacement charges in because they sent a new virtual card and still was compromised. They asked me to change my email address and password which I did on XXXX when I discovered all these charges but they still allowed my card to be charged. They have been unhelpful, rude and dismissive with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: FL

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from 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 explanation
Consumer complaint received 2024-09-20 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: GA

Complaint narrative:
This is not a duplicate request nor filed by a XXXX XXXX XXXX XXXX XXXX. I'm filing this CFPB complaint to request pursuant to FCRA XXXX B ( XXXX XXXX Code XXXX ) that you, Transunion a XXXX credit agency, block information that is appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  ACCOUINT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX, IN ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX These accounts appear XXXX XXXX XXXX XXXX XXXX aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and collections and or hard inquiries as reported. The aforementioned accounts, collections and or hard inquiries, appearing on my consumer credit report maintained by you, were not opened, made, or initiated by me. All of the aforementioned accounts ; collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft criminal complaint, FTC Report Number # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and fraud.

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 2024-09-20 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: NY

Complaint narrative:
I recently reviewed my credit report and discovered several inaccuracies that do not accurately reflect my financial situation. This erroneous information is negatively impacting my credit and limiting my ability to obtain credit. 

I have already disputed these accounts with each credit Bureau but have not received a satisfactory resolution. I am now seeking the CFPB 's assistance to investigate these inaccuracies and ensure they are removed from my credit report. 

Below is a list of the of inaccurate accounts I am asking you to investigate : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX ( Account XXXX ) Account Number : XXXX XXXX XXXX ( Account XXXX ) Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX 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 non-monetary relief
Consumer complaint received 2024-09-20 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 hope this letter finds you well. I am writing to bring to your attention, for the third time, an ongoing issue regarding several settled accounts that continue to be inaccurately reported on my credit report. Despite my previous two disputes and submissions of all necessary documentation, these accounts have yet to be properly updated or removed. The continued presence of these accounts is in clear violation of Section 611 of the Fair Credit Reporting Act ( FCRA ). Under Section 611, credit bureaus are legally required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. This includes contacting the creditor, reviewing relevant documents, and ensuring the disputed information can be properly verified. If the bureau can not verify the accuracy of the disputed information, it must be promptly removed from the credit report.

I am now questioning the thoroughness of the investigation and verification process conducted by your bureau. Given that this is the third time I am disputing the same settled accounts, it is clear that the verification process has either not been conducted properly, or the necessary corrective actions have not been taken. The Fair Credit Reporting Act mandates that credit reporting agencies adhere to strict verification standards to protect consumers from inaccurate or outdated information being reflected on their credit reports.

I am therefore requesting the following : -A thorough reinvestigation of these settled accounts.

-An explanation of the specific verification steps that have been taken during your previous investigations, including details of communications with the creditors. 
-The removal or accurate updating of these accounts in accordance with the information provided. 

XXXXXXXX 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 2024-09-20 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: TX

Complaint narrative:
XXXX XXXX collection showing on my credit report. This account does not belong to me. The amount is {$830.00}

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 2024-09-20 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: NC

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 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 2024-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-09-20 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: VA

Complaint narrative:
I am filling in regards notification on my credit report. The accounts reported are inaccurate and is leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report is incorrect. 
XXXX XXXX Balance Owed : {$130000.00} XXXX XXXX Balance Owed : {$0.00}-

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 2024-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I overpaid my Chase XXXX XXXX Credit Card by {$2000.00}. ( I thought the charge was on my Chase card, it was on my AMex so I just paid the wrong bill.

After an additional charge I had a balance credit of {$1900.00}. 
This was on XX/XX/year>. I realized my mistake XXXX days later and called Chase. They said good news, because you called within 10 days of the payment we can return it to you through your checking account in XXXX days. 
After XXXX business days, no money was returned. I called back. They said, oh no, it will take 10 days. 
After an additional 10 days and no money, I called back. They said " we messed up trying to return it to your bank, now we can't refund it. '' So I requested a check, at first they told me they couldn't, and I escalated the call. I was told sometime around XX/XX/XXXX that a check would be mailed. ( Probably called 6 times ) A check was never received. Finally XX/XX/XXXX I was in the secure messages with them and they told me that a check was sent. I never received a check. So on XX/XX/XXXX they told me a check was sent out on XX/XX/XXXX. On XX/XX/XXXX I told them I didn't believe them because I still never had a check. Finally, XX/XX/XXXX I have a check and it's dated XX/XX/XXXX. 
Chase knowingly held my money from me. They refused to return it. They probably earned interest on it. They also lied to me. 
I received a XXXX letter with the check within 2 days since it was dated. This is pure fraud and simply evil. I want them investigated. I have the secure messages. They MY OWN MONEY from me for XXXX weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: FL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: FL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

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 2024-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-09-20 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: RI

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

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 explanation
Consumer complaint received 2024-09-20 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: FL

Complaint narrative:
I do not recogized these credit inquires and I ask for them to be removed but the credit agencies did not do as I ask. Im providing an identity thief report which I will attach. I ask that these inquires be removed because they are inaccurate and not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: FL

Complaint narrative:
I do not recogized these credit inquires and I ask for them to be removed but the credit agencies did not do as I ask. Im providing an identity thief report which I will attach. I ask that these inquires be removed because they are inaccurate and not mine

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 2024-09-20 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: MID FLORIDA FINANCING LLC
State: FL

Complaint narrative:
I pulled my credit report hoping to purchase an house, but I noticed a lot of unauthorized accounts that was open but are now closed due to delinquency of none payments. I noticed these accounts around then end of XXXX. Seeing these accounts makes me remember I did receive a couple of phone calls in regards to a few of these accounts but I told the creditors it wasnt me, asked for documentation in regards to these accounts, I never heard anything back or from the creditors I assumed the issue was solved but clearly not. Its several accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. Ive tried reaching out to creditors explaining these accounts were open fraudulent. Theyve also put multiple hard i inquiries on my account starting back from 2022

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: GA

Complaint narrative:
Complaint Regarding Unrecognized Medical Debt Company Involved : RMP SRVC LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Complaint Summary : Incident Description : On XX/XX/year>, a dispute letter was sent to RMP SRVC LLC regarding a medical debt I do not recognize. The letter was received by the company on XX/XX/year>, with confirmation of receipt. 

Debt Dispute : The amount claimed by RMP SRVC LLC is {$100.00}. I have no record or knowledge of this debt. The dispute letter requested comprehensive validation, including proof of the debt and authorization to collect. 

Lack of Response : As of now, I have not received any response or documentation from RMP SRVC LLC regarding the requested validation. 

Impact : The debt remains on my credit report, causing financial and emotional stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: TX

Complaint narrative:
It is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to request the removal of a fraud alert currently placed on my credit report. I did not request or authorize this fraud alert, and I believe it may have been placed in error or as a result of identity theft. I kindly request that you investigate this matter and remove the unauthorized fraud alert from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX  Date of inquiry : XX/XX/year> XXXX Date of inquiry : XX/XX/year>

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 2024-09-20 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: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0.00}

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