vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 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 am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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:
The hard inquiries mentioned are not recognized or authorized, therefore I would like them to be removed. 

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 2024-09-29 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:
The hard inquiries mentioned are not recognized or authorized, therefore I would like them to be removed. 

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 2024-09-29 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: IL

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 non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am writing to dispute the inaccurate and misleading information being reported on my credit report concerning an alleged account that THIS COMPANY claims i own in the amount of {$640.00}, specifically related to a charge-off. 

Upon reviewing my credit report, I found that your company has erroneously listed an account under my name as a charge-off. Let me be very clear : I have no record of any such debt, nor do I acknowledge any obligation to your company. This charge-off is completely unwarranted and is damaging my credit history unjustly. 

I am formally requesting that you take immediate action to investigate this matter and provide the following within 30 days : 1. Full Validation : Provide a comprehensive account of the original creditor, complete payment history, and a signed contract proving this debt is legally mine. I demand concrete evidence that this account has any legitimacy, as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

2. Correction of Records : Should you fail to provide the above documentation, I insist that the charge-off be removed from my credit reports with all credit bureaus ( XXXX, XXXX, and XXXX ) immediately, as you are legally obligated to do so when you can not substantiate the debt.

3. Cease Collection Efforts : Until you can prove beyond a doubt that this debt is valid, I am requesting that all collection efforts cease. Your continued pursuit of this debt without providing the necessary documentation is in direct violation of the FDCPA.

I also reserve the right to take legal action for damages caused by this false reporting and any related harassment. 

This is a final warning. I expect an immediate investigation and full resolution of this matter. You are on notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: DISCOVER BANK
State: GA

Complaint narrative:
Discover Open Date in XXXX Reopened Date XX/XX/XXXX Identity Theft and Fraudulent Account Apart of multiple data breaches from XXXX XXXX updated my credit report and removed my credit freeze from my profile. Found out in XXXX of XXXX after 5 days of repeated phones calls and escalation to managers due to receiving reports that my credit profile was being accessed by several creditors I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
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. Act : XXXXXXXX XXXX XXXX Name : XXXXXXXX XXXX XXXX Name : XXXX XXXX XXXX Act Name : XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. Inquiry : XXXX, Inquiries : XXXX, XXXX XXXX, Inquiry : 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
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. Act : XXXXXXXX XXXX XXXX Name : XXXXXXXX XXXX, XXXX Name : XXXX XXXX XXXX Act Name : XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. Inquiry : XXXX, Inquiries : XXXX, XXXX XXXX, Inquiry : 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I had an upgrade loan being used for debt consolidation. In XX/XX/XXXX I was approved to make lower payments for XXXX due to a hardship and was told as long as those payments were on time it would report positive standing which I did by having the payments on autopay drafting on the due date the XXXX of each month. I paid off my loan in full XX/XX/XXXX 1 month before the final payment in the installment was due and it incorrectly reported XXXX late payments even though I was never late. I contacted XXXX and they advised they were aware of error and would fix it within XXXX. I've called multiple times and each time they verified it was an error and confirmed no late payments, they provided an email confirming there was an error and updated XXXX and XXXX to reflect the correct payment history, but Equifax is now showing 90day late payment. The negative/incorrect reporting has been very damaging to my credit, and I don't understand how it could continue be updated incorrectly. I feel I am being finished for doing the right thing and paying off a debt early because of the really high payments and interest rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
There are unauthorized transaction on my Paypal account and I reported to Paypal immediately. However, Paypal decided that I am responsible for the charges and has been sending me text/email/calls to collect the money. 

Between XX/XX/XXXX around XXXX to XX/XX/XXXX XXXX, there were multiple inbound and outbound transactions on my account -- - Inbound transaction : XXXX. {$180.00} USD XXXX. {$99.00} USD XXXX. {$280.00} USD Outbound transaction : XXXX. {$270.00} USD XXXX. {$280.00} USD I immediately changed my password and filled a claim with Paypal by XX/XX/XXXX XXXX. When I logged into my account, I found an unrecognizable phone on my account which was added right before those unauthorized transactions. But I only received an email from Paypal that a new phone number was added. Paypal did not ask for any verification to allow a phone number to be added. 

During normal business hours on XX/XX/XXXX, I called Paypal to report this and asked them to look into where the transactions were initiated. I was told that the login was from out of XXXX in another country. I told them that I have been in XXXX the whole time and that was not me. 

A few weeks later, Paypal took money from my account to refund the inbound transactions. But they did not get my money back from the outbound transactions. I called Paypal and was told that Paypal ruled against me so I am responsible for those transactions. I explained to the representative about what happened and she agreed to help me appeal the ruling. However, I kept get text/emails/calls saying that I own PayPal money and they are collecting them.

I am very disappointed at Paypal 's service. First, they failed to detect an fraudulent login from outside of XXXX. Second, they did not get my approval to add a new phone to my account. Third, they refused to protect a customer from unauthorized transactions despite the fact that I reported the incidence immediately with a few hours of the transaction and called in a couple time as well. I called again last week and was disconnected by their associate. 

I hope CFPB would help me to ask Paypal do the right thing by their customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: NY

Complaint narrative:
This company called XXXX XXXX XXXX have posted unauthorized collection on my Experian credit report They have violated 15 USC code 6802 and USC 6801 along with 15 USC 1681b and 18 USC1028A This account balance is {$680.00} and it was removed from Experian in XX/XX/year> The original holder for the collection was XXXX XXXXXXXX XXXX XXXX have illegally placed a collection on my Experian credit report i, m requesting the negative collection of {$680.00} be remove from my credit report on Experian credit Bureau

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 2024-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Account with Bank of America and XXXX XXXX opened without my authorization. Subsequently and attempt to secure a credit card was also done. I have fraud alerts on the Credit Bureau, and this slipped through the cracks.

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 2024-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
FAIR COLLECTIONS & O It is srati g on my XXXX and that I owe {$4200.00}, I reported to them that Ive never lived at that address, I spoked with an agent and was told the account was supposed to be removed and nothing happened. This is not my debt I have never lived at this address, I dont owe this debt this is a case of 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 explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase account has been restricted due to a deposit that was made. I made a deposit for around {$8300.00}. I forgot the exact amount. The check was from the Treasury of the United States and to XXXX XXXX XXXX. My friend asked if I can deposit the check into my account because she has no bank account as of right now. She is currently an XXXX  XXXX. She has trusted me to deposit the check. Chase first put a 10 day hold on the check, the check cleared, then Chase put my account on restriction after the check cleared. I called asking what the concern was considering, the check is in fact real, XXXX allowed me to endorse it and deposit the check, what is the issue now? So I called and they told me they need XXXX 's number to verify her in their system. I give them her number and it comes back unverifiable. They tell me that the number has to be tied to a postpaid phone, ( a contracted cell phone ) which to me is insane because even I don't have that. People do not have the money to put {$400.00} on a down deposit for a {$1000.00} phone plus pay {$100.00} per month for the phone and phone plan, if I can't do it, what makes you think a undocumented individual can. I called twice in regards to this verification. 

Then I called your XXXX XXXX  to see if there was any other way to deal with this because this was too much and at this point, the funds were there, XXXX is getting upset and I personally don't want her to think that I am stealing her money!! 

This is XXXX XXXX!! Their verification system is XXXX and made to ensure that people dont get the money!! They want you to giveup!! Im reading COUNTLESS STORIES ON HOW CHASE IS HOLDING AND TAKING PEOPLES MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB Complaint is being filed due to TransUnion not Complying with CDIA and FCRA Guidelines by furnishing Unverified/Inaccurate information on my credit report. As per CDIA Metro 2 guidelines and FCRA 15 U.S.C. Sec 1681c, this information must be corrected or removed if unverifiable. I Have attached a copy of my dispute containing the details of errors & violations. I Have also submitted a complaint to the Better business Bureau in regards to the violation of my rights by XXXX as well as damages caused by these " errors ''. Information for this account has not been verified as it is inaccurate/Inconsistent and possibly from someone ELSE 's account which is why this account must be removed please. The account in question is XXXX Account # 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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently received a copy of my Equifax credit report and was dismayed to find that accounts were reported without my permission. I did not grant anyone consent to post this information on my credit report, nor did I provide any third party with authorization to furnish such a report. 

Your company 's actions are in clear violation of the law, specifically 15 USC 1681b - permission to report on consumer credit report. The law explicitly states that consumer reporting agencies may only furnish information in accordance with the written instructions of the consumer. I did not provide written instructions for these accounts to be included on my credit report. 

Furthermore, the Fair Credit Reporting Act under 15 USC 1681 ( 2 ) ( a ) states that any report containing information solely as to transactions between the consumer and the person making the report should be excluded. Therefore, I am requesting that the late payments referenced in my consumer report be deleted immediately. 

I expect a prompt and appropriate resolution to this matter. Please confirm receipt of this letter and provide a timeline for when the unauthorized accounts will be removed from my credit report. 

Failure to respond satisfactorily by deleting the unauthorized accounts and providing me with a free copy of my report after the changes have been made will result in legal action being taken against your company. I will also seek {$1000.00} per violation for the unauthorized reporting of information on my credit report. 
1.Defamation of character ( per se ) 2.Negligent enablement of identity fraud 3.Fair Debt Collections Practices Act 15 USC 1692g violations. 
4.Fair debt reporting Act 15USC 1681 violations for willful noncompliance for willful noncompliance [ 15 U.S.C. 1681n ) Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I have repeatedly requested that fraudulent information be taken off my credit report. Old information also keeps reappearing on my reports which doesnt belong to me or is inaccurate. I have reported that an imposter has used my credit to open accounts and report inaccurate information. My credit has been damaged for over 10 years or more due to these errors and inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I have repeatedly requested that fraudulent information be taken off my credit report. Old information also keeps reappearing on my reports which doesnt belong to me or is inaccurate. I have reported that an imposter has used my credit to open accounts and report inaccurate information. My credit has been damaged for over 10 years or more due to these errors and inaccuracies.

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