vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-29 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security XXXX. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result ofyour violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you failor refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which aregreater than {$1000.00}. 

Send payment immediately via Certified Funds to : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Attached are copies of my state ID. 

Warm Regards, XXXX VIRGINIA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX XXXX, while grocery shopping at XXXX XXXX, my wallet was stolen out of my purse. My husband called banks and credit cards. We were in the US Bank branch shortly after to close checking account and report incident. At that time, {$24000.00} had been removed from our account. Looking at copies of the transaction this theft happened within XXXX minutes in the form of Cashiers check for {$5000.00} and one for {$4500.00} and a cash out of {$14000.00}. The cash out was with XXXX transactions approx. XXXX minutes apart at the same branch with the same teller. During this time, I received no calls or texts from the bank to authorize these transactions. This was done by just using my Driver 's license. The handwriting on these transactions were not even close to mine and I doubt that there is a person who looks like XXXX year old me! This makes me a victim of stolen identity and fraud.Weekly I went into the bank to check the status of our fraud claim. I did this for over 2 months and not one response from US Bank. Meanwhile XXXX XXXX XXXX XXXX ( XXXX ), resolved this issue and credited my account the money that was taken in the same incident. On XX/XX/XXXX, I received a letter from US Bank denying my fraud report claiming I was negligent. I consider I was a victim and that I question how a bank 's internal controls to let a person remove {$24000.00} without a red flag. What training do tellers get to prevent this happening to the bank 's customers who give them our hard earned money to protect. I feel that negligence on the part of the bank needs to be addressed.

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I send a XXXX out 30 days ago to XXXX, XXXX, Equifax. .How ever its been 30 days and the credit bureaus failed to send my investigation back. This is not making is not making any sense. 


According to the law 15U.s code S 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly though a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine wether the disputed information is inaccurate and the Current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end 30 day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX responded to my dispute with incorrect information and no documentation. Dispute # XXXX. 
As a result of XXXX  misinformation, my case # XXXX was closed with inaccurate information and no documentation. 
My lease was signed and extended 2 months. Not only did XXXX incorrectly repossess the vehicle, but they are continuing to report inaccurate information on my credit report which has caused me to be denied housing. 
A police report was also filed. 
This issue was addressed in court & after reviewing documentation the XXXX attorney apologized to me for the error and the judge awarded in my favor. 
I am attaching a copy of the judge 's decision on XXXX XXXX, XXXX. For 5 years XXXX has caused me damages and has refused to correct it. 
Thank you in advance. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I never open any accounts i have been incarcerated for some time XXXX XXXX XXXX Account number XXXX XXXX XXXX Account. Number 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 2023-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I never received service from XXXX. I have been with XXXX XXXX for 3 years. A representative came to my door to see if he could get me a better energy quote so I have permission for him to run my information. 

They can not provide you a bill with XXXX single date or kilowatt charge for my address. So they basically charged me for a quote. 

They then sold my information to a debt collector, LVNV FUNDING LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please remove this charge off from XXXX XXXX XXXXXXXX XXXX, This account has been charged off, the debt collectors has gotten a tax write off for this debt and I haven't received a XXXX c form my past due date says XX/XX/2023 and this account has been written off for yeqrs now please remove these from my credit report this is a violation of 15 USC 1692 ( c ) ( c ), 15 USC 1681 and 15 USC 1666b

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 2023-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
The company is Capital One Auto Finance. It should state on my credit report that this account is paid in full. Please make this correction. The company number is XXXX. PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: CA

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-09-29 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: CA

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IA

Complaint narrative:
Company to contact. 
Coinbase.com XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX  XXXX Starting in XX/XX/XXXX through XX/XX/XXXX, I was involved in a cryptocurrency trading scam. I met a person via XXXX dating site. I was asked to " invest '' using a fraudulent copy of XXXX XXXXXXXX XXXX. ( see below ) Wire transfer to Coinbase XX/XX/XXXX- {$100000.00} Within Coinbase.com, money was converted to crypto and transferred to the fake websites XXXX XXXX XXXX XXXX  ). These websites are identical and appear to be owned by a XXXX company XXXX XXXX XXXX. Once the Crypto was loaded to these websites, I was instructed to make trades which appeared to be very profitable. I started with small amounts and even withdrew ~ {$10000.00} initially to ensure my money was safe. As the transactions got higher, the profits got higher until I finally decided to withdraw at least my investment plus the amount need to cover income taxes- it was that large withdrawal that was not completed, and my account was subsequently frozen. the only contact email I have with the person I was working with is an email address, XXXX details of the transactions between the website/exchanges are in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In accordance to the fair credit reporting act this creditor has violated my rights under 15 usc1681 section 602 states I have a right to privacy 15 usc 1681 section 604A it also states a consumer reporting agency can not furnish an account without my written instruction.Under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I sent many letters on XX/XX/2023 and XX/XX/2023 demanding proof of this debt. Ability Recovery Services obtained this debt from XXXX XXXX XXXX, XXXX. 

They did not respond to my request until XX/XX/XXXX when I filed my first complaint. 

XXXX has now suspended the debt and DEMANDED XXXX remove it from my credit report. The debt is still on my credit and MUST BE REMOVED per the debt owners demands and illegal activity.

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 2023-09-29 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: MD

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 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: TX

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-09-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove this information from my credit report, this affects me a lot, I don't want to have it. 
DEPT OF ED/XXXX  - XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 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:
Please remove this information from my credit report, this affects me a lot, I don't want to have it. 
DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Someone tried to open an XXXX card in my name. It was not me and now the inquiry is on my credit and is damaging to my credit. Please help me by removing this fraudulent inquiry. 


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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: MO

Complaint narrative:
To Whom It May Concern : This letter is in response to your computer-generated letter dated XX/XX/2023. Your letter states that you have decided to cease the investigation of the incorrect items I have reported to you because in your opinion I am the client of a third-party credit repair agency. 
You were advised by me on my letter dated XX/XX/2023 ( copy enclosed ) to investigate a few things that I believe are inaccurate. That request was written by me and mailed by me-not a third party agency. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. And FYI, I did some research on the matter and found that there is no law forbidding a consumer from using a credit repair agency, which makes your response even more absurd! 
As a matter of fact, Congress has found the process so overwhelming that they specifically afford consumers the right to use a third party agency on their behalf if they so choose. Congress also reserves my right to sue a credit bureau for violations of the FCRA.

I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and you are now stalling the process further. I realize disputes may be expensive and therefore it is your job to stall them but you do so at great risk. 
Please take notice that this letter dated XX/XX/2023 is a formal notice to you that I am requesting for you continue moving forward with my XXXX dispute investigation request. 
Send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days, not XXXX more. 
I am outraged at your accusation and I have fully researched my rights in regard to my credit file. I look forward to your expediting my XXXX dispute request immediately. 
Enclosed is a list of accounts that you claimed were verified. Thank you for your prompt attention to this matter. 
XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX  XXXX XXXX account number XXXX XXXX XXXX XXXX/ with account number XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX  XXXX with account number XXXX XXXX XXXX XXXX with account XXXX XXXX Best Regards,

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 2023-09-29 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: NY

Complaint narrative:
I am writing to dispute a collection item that appears on my credit report from XXXX XXXX XXXX XXXX. I have reviewed the details of this item and found several discrepancies that need to be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

The discrepancies are as follows : Account Number Discrepancy : The account number listed on TransUnion is XXXX, while on XXXX it is XXXX. This inconsistency may indicate a reporting error. 

Original Lender Name Discrepancy : The original lender 's name is listed as XXXX XXXX XXXX XXXX XXXX TransUnion and XXXX XXXX XXXX on XXXX. 

Collection Agency Name Discrepancy : The agency name is listed as XXXX XXXX on TransUnion and XXXX XXXX XXXX on XXXX. 

Absence of XXXX on XXXX : There is a considerable amount of information missing on XXXX, including account number, original lender, agency name, and balances. 

Current Balance Discrepancy : The current balance is only reported on XXXX as {$12000.00} and not on TransUnion or XXXX. 

Different Status Listings : The status listed on TransUnion is Unrated or bankruptcy while on XXXX it is Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department. 

I am requesting that you conduct a thorough investigation into these discrepancies and correct or remove the inaccurate information from my credit report. 

I look forward to your prompt attention to this matter. Please update me on the status of this dispute within 30 days as required by the FCRA. 

Thank you for your cooperation. 

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 non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute a collection item that appears on my credit report from XXXX XXXX XXXX XXXX. I have reviewed the details of this item and found several discrepancies that need to be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

The discrepancies are as follows : Account Number Discrepancy : The account number listed on XXXX is XXXX, while on XXXX it is XXXX. This inconsistency XXXX indicate a reporting error. 

Original Lender Name Discrepancy : The original lender 's name is listed as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on XXXX. 

Collection Agency Name Discrepancy : The agency name is listed as XXXX XXXX on XXXX and XXXX XXXX XXXX on XXXX. 

Absence of Information on Equifax : There is a considerable amount of information missing on Equifax, including account number, original lender, agency name, and balances. 

Current Balance Discrepancy : The current balance is only reported on XXXX as {$12000.00} and not on XXXX or Equifax. 

Different Status Listings : The status listed on XXXX is Unrated or bankruptcy while on XXXX it is Account seriously past due date/account assigned to attorney, collection agency, or credit XXXX 's public collection department. 

I am requesting that you conduct a thorough investigation into these discrepancies and correct or remove the inaccurate information from my credit report. 

I look forward to your prompt attention to this matter. Please update me on the status of this dispute within 30 days as required by the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: CCF Intermediate Holdings LLC
State: WI

Complaint narrative:
These two accounts is not mines at all fraudulent information I like them to be removed off of my credit report

Company response to consumer: Closed with explanation