vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 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: OH

Complaint narrative:
There are multiple inquiries reporting that I am trying to figure out where the permissible purpose for them came from. I disputed the inquiries last month and they came back verified. I'm baffled on how this is so. Now I would like to request the documentation provided that shows my signature in which I authorized the permissible purposes. They stated that inquiries are factual. How can an inquiry that I'm questioning be considered factual without my written consent proving it in fact. I am requesting that the following inquiries be removed from my credit report : XXXX XXXX XXXXXX/XX/XXXX : The evaluation and the data it gathered are unauthorized and erroneous. Please delete this information immediately. 

XXXX XXXX XXXXXX/XX/XXXX : This inquiry and its findings are unapproved and faulty. I request this be expunged from my record. 

XXXX | XX/XX/XXXX : The inquiry and its data are unauthorized and flawed. I demand the deletion of this record. 

XXXX | XX/XX/XXXX : This analysis and its findings are unapproved and erroneous. I request that this be removed. 

XXXX | XX/XX/XXXX : The inquiry and its results are unapproved and incorrect. I insist this information be removed. 

XXXX | XX/XX/XXXX : This investigation and its conclusions are unauthorized and flawed. I request the immediate removal of this. 

XXXX XXXX XXXXXX/XX/XXXX : This analysis and the data obtained are illegitimate and incorrect. I am requesting this be deleted immediately. 

XXXX XXXX XXXX | XX/XX/XXXX : The inquiry and its findings are unauthorized and incorrect. I request the removal of this immediately. 

XXXX XXXX XXXX | XX/XX/XXXX : This audit and the information it produced are illegitimate and inaccurate. I insist that this be removed. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : The investigation and its findings are unauthorized and false. I require the immediate deletion of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: 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 non-monetary relief
Consumer complaint received 2024-08-20 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: AZ

Complaint narrative:
Subject : Remove of Fraudulent Account from XXXX  XXXX Dear TransUnion, I am writing to formally dispute a fraudulent account that has been reported on my credit report by XXXXXXXX XXXX. The account in question is a credit card that was opened on XX/XX/2018. This account was opened without my knowledge or authorization, and I am requesting that it be removed from my credit report immediately. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and under 15 U.S.C. 6802, I request that TransUnion take the necessary steps to investigate this matter and remove the fraudulent account from my credit report. Please find attached a copy of my identification and any other documentation that may assist you in verifying this claim. 

This matter is urgent, as this fraudulent account is negatively impacting my credit score and financial well-being. I would appreciate your prompt attention to this matter. Please confirm in writing that this account has been removed from my credit report. 

Thank you for your immediate attention to this matter. 

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 2024-08-20 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file XXXXXXXX XXXX XXXXXXXX Balance : {$190000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$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 2024-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-08-20 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: MS

Complaint narrative:
This account was charged off XXXX XXXX XXXX Account number : XXXX However, since then, the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account. 
Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This account was charged off XXXX XXXX XXXX Account number : XXXX However, since then, the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account. 
Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account 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 non-monetary relief
Consumer complaint received 2024-08-20 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Amex  XX/XX/2024 Inquiry I have no knowledge of it please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 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 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 2024-08-20 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: KY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Equifax Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XX/XX/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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to file a formal complaint concerning an ongoing issue that I have been facing with adding my Chase credit card to my XXXX XXXX. This issue has been causing significant frustration and stress, and I believe it requires immediate attention. 

After performing a factory reset on my XXXX recently, I began the process of re-adding my credit cards to XXXX XXXX. I successfully added my other cards by verifying the XXXX security code, but when I attempted to add my Chase credit card, I encountered a persistent error. I tried multiple times, but each time I received the same error message. 

In an effort to resolve the issue, I attempted to add the Chase card through the Chase app, but unfortunately, the error persisted. I have exhausted all possible troubleshooting steps that I can think of, including : Performing a factory reset on my XXXX. 
Re-adding all other cards to XXXX XXXX successfully. 
Attempting to add the Chase card directly through the Chase app. 
After spending over an hour on the phone with Chase 's Internet service department, I was eventually connected to a Technical Supervisor. The supervisor informed me that this issue is a known problem and that there is currently no resolution available. When I asked what I should do next, the supervisor abruptly hung up the phone on me. This level of customer service is unacceptable, especially when I am paying a premium for this credit card. 

I want to emphasize that this is not the first time I have encountered this issue. Last year, I faced the exact same problem when trying to add my Chase card to XXXX XXXX. Initially, Chase blamed the issue on the credit card itself, leading to a replacement. However, even after waiting a week for the new card, the issue was not resolved. Chase then shifted the blame to XXXX, prompting a factory reset of my device and, eventually, a device change. Despite these efforts, the problem persisted. 

Frustrated, I raised a case with your bureau ( XXXX ID : XXXX ), and to my relief, the issue was resolved within a few hours. Given the recurring nature of this problem and the lack of support from Chase, I am once again turning to you for assistance. 

XXXX XXXX XXXX XXXXXXXX XXXX, and the stress caused by this situation has taken a toll on my health. It is extremely disheartening to be treated this way by a company that I trust with my financial matters. I am paying a high amount of fees for this credit card, yet the service I am receiving is far below acceptable standards. 

I kindly request your immediate intervention to help resolve this matter once again. Please let me know if any additional information is required from my end. 

Thank you for your attention to this issue. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against ProCollect regarding a debt that appears on my credit report. The details of the account in question are : Account Number : XXXX Amount : {$300.00} Date Opened : XX/XX/2021 I have never conducted business with ProCollect and have not authorized any transactions or access to my Social Security number. I have attempted to resolve this matter directly with ProCollect, informing them multiple times that this is a case of identity theft and fraud. Despite these notifications, ProCollect has not responded or provided any validation of the debt. 

My complaint is based on the following Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) provisions : 15 U.S.C. 1692g : This section requires debt collectors to provide validation of the debt upon request. I have requested this validation from ProCollect, but they have failed to provide the necessary documentation. 
15 U.S.C. 1692g ( b ) : This section stipulates that debt collection activities must cease until the debt is validated. ProCollect has continued to report this account despite my dispute and request for validation. 
15 U.S.C. 1692e : This section prohibits false or misleading representations in connection with debt collection. The presence of this account on my credit report is misleading and likely fraudulent. 
15 U.S.C. 1681i : This section requires that inaccurate information be investigated and corrected or deleted from a credit report. Given that this debt is not valid and is based on identity theft, I request the removal of this negative entry from my credit report. 
15 U.S.C. 1681b : This section governs the permissible purposes for accessing credit reports. ProCollect has accessed my credit report without valid authorization. 
Given these concerns, I request that the CFPB investigate this matter thoroughly and ensure that : All negative items related to this account are removed from my credit report. 

Under 15 U.S.C. 1692g ( b ), I am entitled to a response and validation of the debt before any collection activities are pursued. Additionally, under 15 U.S.C. 1681i, I request the removal of any negative entries associated with this account from my credit report, as they are based on potentially fraudulent information and have not been validated. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: NY

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-08-20 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: MS

Complaint narrative:
This account was charged off XXXX XXXX XXXX Account XXXX since then, the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account. 
Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I did not agree to {$3700.00} deferred interest it was advertised as XXXX mo 0 % interest and 29.99 % monthly after the promotional period. This is false advertising and predatory lending.

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 2024-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/year>, I was scammed and I experienced Identity Thelf through my PayPal account. I was told XXXX had hacked my account of {$6000.00} and {$2000.00} had already been spent. 
I spoke with XXXX XXXX ( representative for Pay Pal ). He stated " his company would investigate this matter and he would get back to me '' .The problem is he never got in touch or followed up with me and it's now XX/XX/year>. 
I was told a loan was taken out in my name in XXXX and other states accessing my Social Security Number, address and phone number. I contacted my bank first and told my checking account was safe. 
This is poor company practices with PayPal. I was told a freeze would be placed on my PayPal account. 
I was trying to pay a local bill when this PayPal screen popped up and once I put my information in is when I was hacked/ Identity Thelf. This is a nightmare! 
On XX/XX/year> XXXX XXXX found suspicious activity in their computers and learned a cybercriminal was able to see and take copies of some data as well as medical record numbers, doctors, diagnosis, medicines, test results, images, care and treatment. Other personal data ( such as Social Security numbers, driver 's license or state ID Numbers may have been complimined.

Company response to consumer: Closed with non-monetary relief