vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 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: CA

Complaint narrative:
I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$1500.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this accounts removed upon completion. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: FL

Complaint narrative:
I am filing a request the removal of an account from my credit report. The account in question is associated with XXXX XXXX, with the account number XXXX. I was added as an authorized user on this account. As an authorized user, I had full purchasing privileges ; however, I had no contractual obligation or liability for the repayment of any balances on the account. I was removed as an authorized user on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
" As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from the advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. JPMorgan Chase {$60000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently returned to the United States and checked my credit report from Equifax, where I discovered numerous inquiries that I do not recognize and did not authorize. These inquiries are as follows : XXXX XXXX  XXXX on multiple dates, most recently on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX These inquiries are unfamiliar to me, and I am concerned about their impact on my credit score and financial standing. I have not applied for credit or authorized anyone to make inquiries on my behalf recently. Given that I have been a victim of identity theft in the past, it is likely that these inquiries are fraudulent and not initiated by me. 

In accordance with the Fair Credit Reporting Act ( FCRA ) 1681b ( c ), which outlines permissible purposes for accessing a consumer 's credit report, unauthorized inquiries that are not related to a transaction initiated by the consumer are violations of my rights. 

Therefore, I request that the Consumer Financial Protection Bureau investigate these unknown inquiries thoroughly. Please provide clarification regarding the purpose of these inquiries and take necessary action to remove them promptly from my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Wilshire keeps reporting wrong information to credit company after the loan was paid. They still picked up my car and they tried to collect on an account that is seven years old

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 2024-07-25 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: CA

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

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 2024-07-25 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently returned to the United States and checked my credit report. To my surprise, I discovered numerous inquiries that I do not recognize and did not authorize. These inquiries have appeared across different credit bureaus : TransUnion 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 on XX/XX/XXXX These inquiries are unfamiliar to me, and I am concerned about their impact on my credit score and financial standing. I have not applied for credit or authorized anyone to make inquiries on my behalf recently. Given that I have been a victim of identity theft in the past, it is likely that these inquiries are fraudulent and not initiated by me. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that these unknown inquiries be thoroughly investigated and promptly removed from my credit report. Unauthorized inquiries that are not related to a transaction initiated by the consumer are violations of my rights under FCRA 1681b.

Please provide clarification regarding the purpose of these inquiries and take necessary action to resolve this matter. I request that you notify me in writing of the outcome of your investigation.

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 2024-07-25 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This began last Tuesday XX/XX/year>. My husband and I were moving into a new home that Saturday. XX/XX/year>. We had to get 2 certified checks in the amount of XXXX a piece totaling XXXX. I am a customer of XXXX and my husband XXXX XXXX XXXX is a customer of JP Morgan Chase. Because we needed the money by Saturday and my bank is located in Texas and would have had to mail the cashier checks I decided to transfer the money to my husbands account so that he can go into a chase branch and get the certified checks. I wired XXXX on Tuesday XX/XX/year>. It was unknown to us at the time that husbands account does not allow incoming wires. When the money did not hit his account we called, and thats when we were informed the money was being returned. Multiple agents told us the money was never accepted by chase which was completely incorrect. Chase accepted the transfer however did not apply the money into his account and never sent the money back to me. My bank has reached out to chase on multiple Occasions asking for the money back. The only response we received back from chase was that they needed permission from the account holder however they never deposited the money. My husband called Chase and they informed him of the same they needed his permission to send back money they never gave him, so he granted permission. Here we are over a week later and we still have not received the funds. We have called Chase everyday and still receive the same response that they are working on it. My bank has sent them a tracer that they have also not responded too. This action by chase has left my family homeless and spending additional money on hotel rooms. This is the most unethical thing I have ever seen from a bank to hold money that is not theres and not return it. We need our funds back immediately. This has caused a lot of stress for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items 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 2024-07-25 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: TX

Complaint narrative:
XXXX. XXXXXXXX XXXX XXXX  XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX  XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. 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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently returned to the United States and checked my credit report. To my surprise, I discovered numerous inquiries that I do not recognize and did not authorize. These inquiries have appeared on my Experian credit report as follows : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are unfamiliar to me, and I am concerned about their impact on my credit score and financial standing. I have not applied for credit or authorized anyone to make inquiries on my behalf recently. Given that I have been a victim of identity theft in the past, it is likely that these inquiries are fraudulent and not initiated by me. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that these unknown inquiries be thoroughly investigated and promptly removed from my credit report. Unauthorized inquiries that are not related to a transaction initiated by the consumer are violations of my rights under FCRA 1681b. 

Please provide clarification regarding the purpose of these inquiries and take necessary action to resolve this matter. I request that you notify me in writing of the outcome of your investigation.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
CFPB, I WANT TELETRACK TO STOP SHARING MY PERSONAL INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I AM ID THEFT AND MY BANK HUNTINGTON DID NOT NOTIFY ME OF ALL TH EINQUIRES AND KNOWLEDGE OFF MY PERSONAL INFO BEING USED OVER AND OVER. SET UP NEW ACCOUNT ONLYUY TO HAVE THAT ONE HACKED ONLINE. I ASKED TO TAKE ONLINE APP DOWN BUT DIDNT AND ALSIO DID NOT CHANGE EMAIL ADDRESS THAT WAS COMPRIMISED AND WAS LEFT ON ACCOUNT AND I RECIEVED DOCUMENTS ARBRITRATION BUT PART IOF LETTER PARAGRAPHS WERE EARSED AND NO EXPLAINION. I JUST WANT TO FEEL SECURE AND TO HAVE ANY AGENCY PLEASE HELP ME IN GETTING SAFELY BACK ONLINE AND TO STOP BEING Hacked and compromised as its getting to me and i want to feel protected as now i keep everything here and want all communication mailed like old way and its a shame and i want to know what is going on and help to fix the errors and to secure my account. I HAVE TO GO INSIDE THE BRANCH EVERYTIME AND I GET TREATED AS A PAIN IN THE XXXX AND I AM THE VICTIM AND MY TIME IS NOW ONLY SPENT DOING DAMAGE CONTROL AND MY BANK SHOULD OF ALERTED ME WHEN IT STARTED BACK IN 2022 ALL THE INQUIRES MADE TO THE SAME PLACE OR MANY TIMES OVER SHOULD OF BEEN NOTIFIED SO I COULD OF GOT TO IT SOONER. I HAVE NOTHING NOW AND STARTING OVER WITH A SON AND I HAVE HEALTH ISSUES AT THE MOMENT I NEED TO CARE FOR AS WELL. NO HELP OR ASSISTANCE OR KINDNESS FROM MY FINACIAKL INSTITUE WHEN I NEEDED THEM THE MOST.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: KY

Complaint narrative:
They did nothing to fix and take accounts that are unlawfully being used on my credit report if needed I can pull the law up and send also

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 2024-07-25 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: TX

Complaint narrative:
I just recently looked at my credit report. I saw some hard inquiries that did not have permissible purpose. 
Can you reinvestigate the inquiries listed below. I also attached evidence 1. .XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX Bank XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: RI

Complaint narrative:
I file dispute after dispute is taking way to long for the company to act. For my dispute I want letter of debt validation not statement or a bill I want a written contract

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