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

Complaint narrative:
To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is still reporting on my Transunion and XXXX but not my XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Usaa I online deposited a XXXX dollar work check and they reversed it saying someone else had deposited the check

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The XXXX credit card XXXX is being reported for {$140.00} this debt is not valid. I do not owe the company this money. This account is outdated and shouldn't be reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My credit score dropped a lot so i checked credit report on XXXX. I found there are a lot of hard and soft inquiry. And there are 2 open loan and 1 linked credit card that I never known. 

The auto loan information as below : name of loan company : JPMCB AUTO open date : XXXX XXXX account number : XXXX ( X stand for number that doesn't show on report ) balance : {$85000.00} Terms : 72 month loan company address : XXXX XXXX XXXX XXXX XXXX, XXXX phone number : XXXX The personal loan information as below : name of loan company : XXXX  XXXX open date : XX/XX/year> account number : XXXX ( x stand for number that doesn't show on report ) balance : {$2600.00} XXXX month loan company address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX phone number : ( XXXX ) XXXX credit card information as below ( this credit card payment is paid every month, not from any of my account ) : credit card company : JPMCB CARD Account number : XXXX ( x stand for number that doesn't show on report ) date opened : XXXX XXXX balance : {$10000.00} credit card company address : XXXX XXXX XXXX XXXX, DE XXXX Phone number : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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: CA

Complaint narrative:
XXXX XXXX XXXX, has violated the consumer rights of XXXX XXXX XXXX ( the alleged debt consumer ) and any variations of the name, by reporting charge offs ( XXXX  ) to profit credit reporting agencies. No transactions or experiences are allowed to be on a consumer credit report. Income is forbidden to be on the consumers credit reports. Alleged Consumer of the debt confirms that no 1099c forms was ever provided or mailed to alleged consumer. Nor has any validated and verified proof of original creditor or alleged consumer data was provided to prove that the debt is legally responsible to be paid by alleged consumer, XXXX XXXX XXXX or any variation of the name, states sue has never had a contract with this debt collector for any debt. Please DELETE this account immediately and the ARBITRATION process will take place for EVERY negative account that has been reported and EACH time it has been reported per negative account. 15 U.S. CODE 1681 ( n ) Pursuant 15 U.S. Code 1681 ( 2 ) ( a ) ( ). Please contact all agencies, corporations and organisations that you have reported this information to within 10 days of this notification. I expect to see each negative remark listed on all accounts DELETED PERMANENTLY including but not limited to XXXX, XXXX, TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and all other nationwide consumer reporting agencies. 

Respectfully, XXXX XXXX, UCC1-308

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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: CA

Complaint narrative:
XXXX XXXX XXXX, has violated the consumer rights of XXXX XXXX XXXX ( the alleged debt consumer ) and any variations of the name, by reporting charge offs ( XXXX  ) to profit credit reporting agencies. No transactions or experiences are allowed to be on a consumer credit report. Income is forbidden to be on the consumers credit reports. Alleged Consumer of the debt confirms that no 1099c forms was ever provided or mailed to alleged consumer. Nor has any validated and verified proof of original creditor or alleged consumer data was provided to prove that the debt is legally responsible to be paid by alleged consumer, XXXX XXXX XXXX or any variation of the name, states sue has never had a contract with this debt collector for any debt. Please DELETE this account immediately and the ARBITRATION process will take place for EVERY negative account that has been reported and EACH time it has been reported per negative account. 15 U.S. CODE 1681 ( n ) Pursuant 15 U.S. Code 1681 ( 2 ) ( a ) ( ). Please contact all agencies, corporations and organisations that you have reported this information to within 10 days of this notification. I expect to see each negative remark listed on all accounts DELETED PERMANENTLY including but not limited to XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and all other nationwide consumer reporting agencies. 

Respectfully, XXXX XXXX, UCC1-308

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

Complaint narrative:
XXXX XXXX XXXX, has violated the consumer rights of XXXX XXXX XXXX ( the alleged debt consumer ) and any variations of the name, by reporting charge offs ( CO ) to profit credit reporting agencies. No transactions or experiences are allowed to be on a consumer credit report. Income is forbidden to be on the consumers credit reports. Alleged Consumer of the debt confirms that no 1099c forms was ever provided or mailed to alleged consumer. Nor has any validated and verified proof of original creditor or alleged consumer data was provided to prove that the debt is legally responsible to be paid by alleged consumer, XXXX XXXX XXXX or any variation of the name, states sue has never had a contract with this debt collector for any debt. Please DELETE this account immediately and the ARBITRATION process will take place for EVERY negative account that has been reported and EACH time it has been reported per negative account. 15 U.S. CODE 1681 ( n ) Pursuant 15 U.S. Code 1681 ( 2 ) ( a ) ( ). Please contact all agencies, corporations and organisations that you have reported this information to within 10 days of this notification. I expect to see each negative remark listed on all accounts DELETED PERMANENTLY including but not limited to EXPERIAN, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and all other nationwide consumer reporting agencies. 

Respectfully, XXXX XXXX, UCC1-308

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail FCRA as a federally protected consumer I am opting out of any and all authorizations, of sharing my personal information with any third party entity ( 16 CFR 313.7 ) - 16 CFR 433.2-433.3 Requesting to opt out 15 USC 6802 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: Self Financial Inc.
State: OH

Complaint narrative:
Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail FCRA as a federally protected consumer I am opting out of any and all authorizations, of sharing my personal information with any third party entity ( 16 CFR 313.7 ) - 16 CFR 433.2-433.3 Requesting to opt out 15 USC 6802 ( b ).

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

Complaint narrative:
Despite my previous written requests for EQUIFAX to provide me with the name of the person in their company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file EQUIFAX ignored my rights and instead told me that they are labeling my dispute as Frivolous. Their actions clearly demonstrate their willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.1. The following personal information is incorrect : XXXX XXXX XXXX XXXX. The following personal information is incorrect : XXXX XXXX XXXX. The following personal information is incorrect : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX. The inquiry was not authorized : XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX  XXXX. Date of inquiry : XXXX XXXX inquiry was not authorized : XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX. Date of inquiry : XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX/XXXX. Date of inquiry : XX/XX/XXXX XXXX inquiry was not authorized : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX/XXXX. Date of inquiry : XXXX XXXX, XXXX XXXX. The inquiry was not authorized : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Physical proof of verification was not provided for XXXX XXXX. Account Number : XXXX XXXX proof of verification was not provided for : XXXX XXXX. Account Number : XXXX XXXX XXXXPhysical proof of verification was not provided for : XXXX XXXX XXXX Account Number XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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: CA

Complaint narrative:
VIOLATIONS REPORTINGS BELOW : 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 Transunion 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 2024-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: CA

Complaint narrative:
I moved to afterpay orders by 3 days. They Froze my account! .Paid them 2 days ahead. Previously when moved orders were paid they would unfreeze account. I've been a customer for years and have paid XXXX  of dollars! No late fees etc. 
I got a email today XXXX that my account will remain " frozen " until there is " XXXX '' balance! I owe XXXX only. 
This seems highly " unfair '' since I'm a good customer. I've never Not Paid my payments!! 
I'm highly upset about this practice when just in XXXX I had big orders and all payments got paid @ No telephone service, only email and it's different people each time. I will close my account when done. This kind of service needs to stop. Thank you

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

Complaint narrative:
I submitted a dispute for investigation with Experian, XXXX, & XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Has Verified the information and corrected the issue on my consumer report, however Experian have not updated the account to the correct status and replied the account is verified, which is still inaccurate on my consumer report & According to 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, after the investigation Experian still hasnt provide me with the detailed description from the Individual investigation thats supposed to have took place, this account is indeed inaccurate and needs to be updated immediately, or provide me with the complete detailed investigation of the procedures that took place during the investigation within 15 days as Required by FCRA Law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I was a customer of XXXX  wireless in the years of XXXX. When I decided to switch carriers, I returned XXXX XXXX  I had and paid off the remaining balance including delinquent phone bills. They told me they would email me a copy of the final receipt. Online, it said account was paid in full. In early XXXX, I got a notice from XXXX  I owed {$1300.00} for not returning said phones. I called XXXX  for months, I was told there was no balance and it may be a scam. The charge became delinquent, even though I was told there was no charge and it was added to collection. This was disputed in XXXX but denied by XXXX since XXXX said they never received payment after all. When I called to pay, they said I actually owed more like {$2000.00}. I was able to access my bank account and show I had made a final payment of over {$800.00} to pay off everything. Every time I told XXXX  I had the documents the call would disconnect. The delinquent report fell off of my credit after the 7 year limit in XXXX. In XXXX of XXXX, it came back. Now a company called Jefferson systems says I owe a balance of {$1300.00} and my credit score has decreased XXXX points. XXXX is not even in business anymore. I called Jefferson systems to pay, and they tried to sell me on making monthly payments with 6 % interest. When I kept refusing and asked to pay the amount written in full, because I just want this dealt with, I was hung up on. Twice. This company is fraudulent and the account is almost 8 years old now, there is no way this should be on my report at all.

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

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My credit score dropped a lot, so i checked my credit report. There is an credit card that I never known. 
credit card company : XXXX XXXX Account number : XXXX ( x stand for number that doesn't shown in credit report ) date opened : XXXX XXXX balance : {$10000.00} credit card company address : XXXX XXXX XXXX XXXX, DE XXXX Phone number : ( XXXX ) XXXX

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

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The XXXX credit card XXXX is being reported for {$140.00} this debt is not valid. I do not owe the company this money. This account is outdated and shouldn't be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX a collection company is reporting a balance from XXXX XXXX for the amount of {$2800.00}. This debt isn't valid and is apart of my loan forgiveness. Please remove this information so my true credit history can be reflected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The XXXX credit card XXXX is being reported for {$140.00} this debt is not valid. I do not owe the company this money. This account is outdated and shouldn't be reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Received a loan you didn't apply for — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
My credit score dropped a lot so I checked my credit report. I found this personal loan but I never authorized it. 

Loan company : AFFIRM INC Account number : XXXX ( XXXX  stand for number or letter that doesn't shown in credit report ) date opened : XX/XX/2023 original balance : {$2500.00} Current balance : {$2600.00} terms : 12 month loan company address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation