vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-31 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:
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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Morgan Bank  on XX/XX/2024 I deposited a check from a client chase froze my account claiming the check from the bank does not pay out to third party banks. There was also an issue with the first check they issued to me. Chase took the money from the account and still claims it can not be confirmed. Where is the money from the account it was cashed from if it didn't go to Chase. The amount was for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
XX/XX/XXXX I sold a table for {$50.00} to someone local through XXXX market place. She paid me through venmo. I immediately deposited the money into my account. 

On XX/XX/XXXX I received a message from venmo that my account was frozen because they received a dispute from this persons credit card company. So they immediately tried to withdraw {$50.00} from ME! Before even investigating whether her claims were true. Since I dont keep money in my venmo, they left me with a negative {$50.00} balance in my account. 


I provided venmo all the documentation including the chat between us and even XXXX  camera footage of her picking up the table. They respond and said their investigation could take 75 days and my account would remain frozen unless I paid the {$50.00}. I refused because shes not getting my table and the money back. 

So now if anyone sends me money through venmo they will take it to cover this balance. 

The buyer of the item claims she never disputed a charge. But Venmo refuses to unfreeze my account. Theyve been less than helpful and now I feel I have no choice but to just close all my accounts and deactivate everything. Ive also filed a police report against the woman scamming me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Wrong addresses are reporting on my credit profile. 

my date of birth is also listed incorrectly.

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 2024-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC
State: IL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, illinois XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Subject : XXXX XXXX XXXX XXXX XXXX XXXX for Violation of Consumer Rights To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for multiple violations of my rights as a consumer. The agency has engaged in practices that directly contravene the regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) and other relevant statutes. 

XXXX. XXXX XXXX XXXX XXXX has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection account on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe.

2. I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 

XXXX. XXXX XXXX XXXX XXXX has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 

4. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ), XXXXXXXX XXXX XXXX XXXX is flagrantly disregarding consumer protection statutes. 

I demand that the Consumer Financial Protection Bureau investigate these egregious violations committed by XXXX XXXX XXXX XXXX and take appropriate action to rectify the situation. Additionally, I request that the agency cease all collection activities until these matters are fully resolved. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently pursue this complaint and ensure that my rights as a consumer are upheld. 

Sincerely, [ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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 am writing to you to address the ongoing issue of your non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically concerning the refusal to remove unverified account information from my consumer file, which is a clear violation of FCRA Section 616 and Section 617. 
Upon reviewing my TransUnion credit report, I observed the follow discrepancies where accounts previously investigated and deleted by XXXX who has already removed all accounts associated with the following agencies but however are still being reported by TransUnion. I wish to emphasize that I am prepared to pursue litigation to uphold my rights under the FCRA. To prevent such action, I insist on the immediate deletion of all unverified accounts listed below, accompanied by an updated credit report reflecting these deletions : Name of Account : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Enclosed with this correspondence is evidence demonstrating from XXXX the deletion of these accounts. It is imperative that you rectify this by promptly deleting these accounts to ensure the accuracy of my credit history. 
Despite multiple written requests, the unverified items outlined below persist on my credit report, with your re-investigations affirming their purported accuracy without providing adequate verification. Verification, as defined by XXXXXXXX XXXX XXXX XXXXXXXX, necessitates confirmation through affidavit, oath, or deposition to assure the veracity of statements. Your failure to produce verifiable proof indicates a lack of substantiation for the disputed accounts, thereby obligating you to promptly delete them under FCRA Section 611 ( 5 ) ( A ). Acknowledged that I have presented substantial evidence by furnishing a police report and FTC report detailing the contested accounts, underscoring the gravity of the matter and underscoring the urgency for prompt resolution. Additionally, under FCRA Section 1681n, individuals are subject to civil liability for willful noncompliance, with damages potentially reaching {$1000.00} or more. 
Regrettably, your persistent disregard for legal obligations compels me to consider legal action under FCRA Section 616 and Section 617 to seek relief and monetary damages if the unresolved items are not deleted within 10 days. Additionally, copies of this letter and previous correspondence sent via certified mail, along with proof of delivery, will be submitted to the Consumer Financial Protection Bureau and utilized as evidence in potential litigation should this resolution offer be ignored.

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 2024-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MA

Complaint narrative:
Hi FIRST CREDIT SERVICES ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/year>, I received an email notification from XXXX XXXX that there were new credit inquiries and that my credit rating had severely dropped ( XXXX points ) due to multiple hard pulls on XXXX. Institutions included XXXX, XXXX, XXXX  XXXX XXXX and XXXX XXXX. I contacted XXXX for more information regarding the fraud, cancelled all accounts with XXXX, reported all as fraud, put a security freeze on my credit, and contacted each institution individually to cancel all accounts and prevent any credit cards from being issued. Following that, a Transunion freeze was placed, more credit inquiries were found, and then following that, an XXXX freeze was placed. The other inquiries found were a XXXX XXXX / TXXXX XXXX XXXX  and a XXXX XXXX / XXXX XXXX  credit card as well as an XXXX  XXXX. I have filed an identity theft.gov inquiry with the FTC and requested removal of the inquiries from the reporting agencies / credit report. Unfortunately, I have been unable to reach XXXX buy and XXXX XXXX as their phone directory doesn't allow me to get through since I do not have an account number with them.

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 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/2024, I received an email notification from XXXX XXXX that there were new credit inquiries and that my credit rating had severely dropped ( XXXX points ) due to multiple hard pulls on XXXX. Institutions included XXXX, XXXX, XXXX  XXXX XXXX and XXXX XXXX. I contacted XXXX for more information regarding the fraud, cancelled all accounts with XXXX, reported all as fraud, put a security freeze on my credit, and contacted each institution individually to cancel all accounts and prevent any credit cards from being issued. Following that, a XXXX freeze was placed, more credit inquiries were found, and then following that, an Equifax freeze was placed. The other inquiries found were a XXXX XXXX / XXXX XXXX XXXX  and a XXXX XXXX / XXXX XXXX  credit card as well as an XXXX  XXXX. I have filed an identity theft.gov inquiry with the FTC and requested removal of the inquiries from the reporting agencies / credit report. Unfortunately, I have been unable to reach XXXX XXXX  and XXXX XXXX as their phone directory doesn't allow me to get through since I do not have an account number with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/2024, I received an email notification from XXXX XXXX that there were new credit inquiries and that my credit rating had severely dropped ( XXXX points ) due to multiple hard pulls on Experian. Institutions included XXXX, XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX. I contacted Experian for more information regarding the fraud, cancelled all accounts with Experian, reported all as fraud, put a security freeze on my credit, and contacted each institution individually to cancel all accounts and prevent any credit cards from being issued. Following that, a XXXX freeze was placed, more credit inquiries were found, and then following that, an XXXX freeze was placed. The other inquiries found were a XXXX XXXX / XXXX XXXX XXXX and a XXXX XXXX / XXXXXXXX XXXX credit card as well as an XXXX  XXXX. I have filed an identity theft.gov inquiry with the FTC and requested removal of the inquiries from the reporting agencies / credit report. Unfortunately, I have been unable to reach XXXX XXXX  and XXXX XXXX as their phone directory doesn't allow me to get through since I do not have an account number with them.

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 2024-03-31 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: SC

Complaint narrative:
I got a copy of my credit report and noticed theres a late payment on my account that Im unaware of. I have asked the company to remove the late payment because its 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 2024-03-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX, & Equifax continue to inaccurately report the account listed as XXXX XXXX as the credit bureaus know the contract acts as the security for funding of the account so I can not be late or it can not be a collection account. There are also several inconsistencies with the account. 

Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Account Rating : Closed Paid Paid Payment Status : Late XXXX Days Late XXXX Days Late XXXX Days Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: GA

Complaint narrative:
XXXX, Experian, & XXXX continue to inaccurately report the account listed as XXXX XXXX as the credit bureaus know the contract acts as the security for funding of the account so I can not be late or it can not be a collection account. There are also several inconsistencies with the account. 

Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Account Rating : Closed Paid Paid Payment Status : Late XXXX Days Late XXXX Days Late XXXX Days Last Payment : XX/XX/XXXX XX/XX/XXXX XX/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 2024-03-31 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: IN

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 name : XXXX # XXXX, Account name : XXXX # XXXX, Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  # XXXX Account name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account name : XXXX # XXXX Account name XXXX  # XXXX Account XXXX XXXX XXXX # XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX  # XXXX has violated my rights.

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 2024-03-31 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: IN

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 name : XXXX # XXXX, Account name : XXXX # XXXX, Account Name : XXXX # XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX # XXXX Account name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account name : XXXX # XXXX Account name XXXX # XXXX Account XXXX XXXX XXXX # XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account XXXX XXXX XXXX XXXX # XXXX has violated my rights.

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 2024-03-31 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: IN

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 name : XXXX # XXXX, Account name : XXXX # XXXX, Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account name : Affirm # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account name : XXXX # XXXX Account name XXXX # XXXX Account name XXXX XXXX # XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX # XXXX has violated my rights.

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 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My address is listed incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Per the FCRA, I requested proof that the information was verified. XXXX XXXX XXXX XXXX XXXX I do not recognize this account. Please REMOVE from my report. Please send back an updated copy of my credit report to the address listed on my credit file. Thank you for your time and attention.

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