vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, 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 filed an identity theft report at the beginning of the summer and received NO relief from this submission. I am not satisfied with this process. It is mentioned that my complaint should be resolved in 4 days. I want these items completely erased from my profile. There was no authorization on my behalf to use or distribute this information, let alone these entries are inaccurate.

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Under the FCRA 15 US code 1681 my rights are being violated because its inaccurate information reporting on my credit file. The FRUADULENT accounts that's listed DO NOT BELONG TO ME AND NEED TO BE REMOVED IMMEDIATELY. I have reported this information to the FTC please delete the accounts as soon as possible to legally update my credit report. Please delete the following accounts. 
OLLECTION XXXX XXXX XXXX XXXX XXXX  {$2700.00} CHARGED OFF XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : 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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Under the FCRA 15 US code 1681 my rights are being violated because its inaccurate information reporting on my credit file. The FRUADULENT accounts that's listed DO NOT BELONG TO ME AND NEED TO BE REMOVED IMMEDIATELY. I have reported this information to the FTC please delete the accounts as soon as possible to legally update my credit report. Please delete the following accounts. 
OLLECTION XXXX XXXX XXXXXXXX XXXX XXXX {$2700.00} CHARGED OFF XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX 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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, 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:
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I have had a few inquiries in the past couple of days on my credit report. I have not applied for any credit cards recently. I have placed a freeze with every credit bureau in hopes that this does not continue to happen. I see the following inquiries : XXXX XX/XX/ I XXXX  this one and it says it was a XXXX XXXXXXXX  card I never shop at XXXX XXXX and have zero use for a official XXXX XXXX store credit card. 
-I am unable to find a number that will get me to an agent to dispute this one XXXX XX/XX/ I XXXX this and it says some sort of point rewards card. 
I have no use for that and did not apply for this. 
-No phone number associated with this inquiry Kohls/CapOne I XXXX this and it says Kohls charge card XXXX have never shopped at Kohls and do not plan to I have no use for a charge card there and have never applied for one. 
-I have not called them just yet. 

I have worked very hard to keep my credit scores strong. I would never apply for random credit or three cards in one week. Please review and remove these items from my credit report. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Hello, this is a follow up to my original complaint list below. I still have not had any resolution from AFFIRM - XXXX SUBMITTED ON XX/XX/2023 PRODUCT Payday loan, title loan, or personal loan ISSUE Problem with cash advance Good afternoon, I was scammed by a criminal that opened up a {$7000.00} loan with Affirm in my name. They stated that they were going to walk me through a process to deny a loan however they actually walked me through a process of opening a loan in my name and spent all of the $ off of a virtual card. I immediately filed a police report, as well started a case with the Actual company of Affirm. Affirm sent me an email stating that they investigated and concluded I was not responsible for this loan. The next day I received another email from Affirm stating the 1st email was a mistake and that the case is still under investigation. I have followed up with Affirm every 2 weeks since XXXX and they keep stating that I have will receive an email within 3 to 5 business days and I have not received anything since the 2nd email. I have added the copies of the 2 emails from Affirm. I also filed a police report the day this happened on XX/XX/2023 - Case ID XXXX. I have requested a copy and will add this to my complaint once received. Please contact me at XXXX with any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to dispute and request the immediate removal of an inaccurate credit account from my TransUnion credit report. The account in question is related to a XXXX XXXX card service and has been inaccurately reported for the past seven years. This erroneous information has greatly tarnished my creditworthiness and compromised my financial stability. 

I have taken proactive measures to address this issue with other reporting agencies, whereby the disputed account has been duly removed upon proper verification and investigation. However, it appears that TransUnion has failed to acknowledge this resolution, thereby placing an unnecessary burden on me without sufficient cause or justification. 

The discrepancies within my credit file are not only damaging but also constitute violations under several provisions of the Fair Credit Reporting Act ( FCRA ). As per my understanding of this legislation, I would like to bring your attention to the following breaches : Section 611 ( a ) ( 1 ) ( A ) " Permissible Purposes '' : Based on this provision, TransUnion is required to ensure that the information contained within my credit report is accurate and reflects the true state of my credit history. The inclusion of this inaccurately reported XXXX XXXX card service account directly contradicts this requirement. 
Section 607 ( b ) " Accuracy of Information '' : TransUnion is obligated to conduct a reasonable investigation into any disputed information found within consumer credit reports. Despite fulfilling the necessary steps to rectify this matter elsewhere, TransUnion 's failure to promptly investigate and remove this inaccurate account constitutes a violation of this section. 
Section 611 ( a ) ( 5 ) ( A ) " Prompt Notice of Reinvestigation Results '' : According to this provision, TransUnion is required to inform consumers of the results of any reinvestigation conducted. I have not been provided with any notice regarding the status or outcome of the investigation into my dispute, which further suggests non-compliance with FCRA requirements. 
In light of these aforementioned FCRA violations, I kindly request that TransUnion : I thank you in advance for your prompt attention to this matter. Your swift action will greatly assist me in resolving this unfair situation and restoring my accurate creditworthiness.

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 2023-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I received a debt collection notice from National Credit Systems , Inc in XX/XX/XXXX stating I owed a debt of {$1500.00} from XXXX XXXX for XX/XX/XXXX unpaid rent. I provided proof of rent payment to National Credit Systems , Inc. and received a response letter that they could not verify my claim of payment. I provided an email payment confirmation and bank statement showing payment, which is ample evidence of payment. When

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington DC XXXX XX/XX/2023 Experian Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX Subject : Fraudulent Account Dispute on Experian Credit Report Reference Number : XXXX Dear Experian Consumer Assistance Center, I am writing to inform you about a fraudulent account that has appeared on my Experian credit report. I recently discovered this account, and I am deeply concerned about the potential identity theft or fraudulent activity that may have occurred. I am reaching out to request your immediate assistance in resolving this matter and restoring the accuracy and integrity of my credit report. 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Discovery : XX/XX/2023 I have never had any dealings with the creditor listed above, nor have I authorized any account with the account number mentioned. The appearance of this fraudulent account raises serious concerns about the security of my personal and financial information. I want to emphasize that I have taken extensive precautions to safeguard my identity and prevent any unauthorized access to my accounts. 

In accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), I am formally disputing the legitimacy of the aforementioned account. I request that you conduct an immediate and thorough investigation into this matter to verify the authenticity of the reported account. Given the nature of the situation, I urge you to expedite this investigation to ensure the protection of my personal and financial interests. 

Enclosed with this letter, please find copies of supporting documentation that attest to my innocence and lack of involvement with the fraudulent account in question. These documents include identity verification, account statements, and any relevant communication with other creditors or financial institutions. 

I kindly request that you take the necessary steps to remove this fraudulent account from my Experian credit report as soon as possible. Additionally, I ask that you provide written confirmation of the actions taken to address this dispute and the subsequent updates made to my credit report. 

I understand the gravity of this situation and am committed to working collaboratively to resolve this matter efficiently. Please feel free to contact me at XXXX or XXXX if you require any further information or if there are additional steps I need to take to facilitate this process. 

Thank you for your urgent attention to this issue. I appreciate your commitment to accurate credit reporting and your assistance in protecting my financial well-being. 

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 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
We canceled our card with Chase back in XX/XX/XXXX. We had a XXXX balance from XX/XX/XXXX statement all the way through to our XXXX statement where they put a yearly fee of {$49.00} on the account. I immediately contacted them via their website on XX/XX/XXXX at XXXXXXXX XXXX that this account should have been closed by them months ago and to remove the yearly fee. On XX/XX/XXXX at XXXXXXXX XXXX  they responded. Part of the letter they sent through the message board on their website was " We closed your account, as you requested. We'll refund your account. '' I just received the new statement for XX/XX/XXXXXXXX XXXX XXXX. The refund shows ( dated XX/XX/XXXX ). There is a notice on this statement that says, " Your account is closed and no longer available for use. '' This tells me that they accept that the account was closed when the yearly fee was posted on XX/XX/XXXX. However, there was also a CHARGE from XXXX dated XX/XX/XXXX ( posted XX/XX/XXXX )! 
I called them and said that if the account was closed then they should not have accepted the charge from XXXX for the amount of {$210.00}. In other words, the error is by Chase. They told me that I had to go to XXXX  and have them reverse the charge and charge my other card ( not a Chase card ). I told them that this was not my mistake and their website gives me the option to dispute the charge based on the fact, in my mind, that it is their error. Later, I contacted XXXX. They agreed with me that if they reverse the charge it will automatically cancel my subscription! They also said that if Chase reverses it, their computer will automatically charge the other card on file. No harm done to the subscription. 
This morning, I was alerted that there was a new letter from Chase on the website. Chase 's system does not have the option for the refund for Chase 's error so they coded it as that I " believed the merchant didn't provide the services... purchased ''. 
Therefore, when they went to verify it came up that I DID receive their services and they declined the dispute. 

I would like to know if there is any way to make Chase fix their mistake and clear this charge from my closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I noticed that there are several names listed on my credit report and several different addresses. I would like to remove all other names and addresses that are not mine. 

I have included the documentation below.

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, 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: GA

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. 

Account Name : XXXX XXXX  Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, 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: GA

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.

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 2023-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: HI

Complaint narrative:
I tried to transfer {$2300.00} from one account to another, but Zelle or my bank put a hold on the account. 
I tried to reach out to Zelle, but they said reach out to my bank. The bank was not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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