vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 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: FL

Complaint narrative:
I, XXXX XXXX, of XXXX XXXX, IN Florida, City of XXXX, MAKE OATH AND SAY THAT : 1. I have never had an account with these companies XXXX Account number # XXXX, XXXXXXXX XXXX XXXXXXXX account number # XXXX REMOVE from all credit agencies from reporting. 
2. consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3. This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4. I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX the debt collector 15 U.S.

Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5. I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d 6. According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7. As mentioned in the 15 U.S. Code 692f Unfair practices 8. 15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681. Moving forward I would like you to stop reporting to all credit companies that I owe any amount to your company. Remove all false debts from my reports ASAP. I will also like your company to mail me via postal mail that all the changes have been made or attempted to be made within 10 days

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 2023-10-05 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: FL

Complaint narrative:
I, XXXX XXXX, of XXXX XXXX, IN Florida, City of XXXX, MAKE OATH AND SAY THAT : 1. I have never had an account with these companies XXXX Account number # XXXX, XXXXXXXX XXXX XXXX account number # XXXX REMOVE from all credit agencies from reporting. 
2. consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3. This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4. I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX the debt collector 15 U.S.

Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5. I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d 6. According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7. As mentioned in the 15 U.S. Code 692f Unfair practices 8. 15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681. Moving forward I would like you to stop reporting to all credit companies that I owe any amount to your company. Remove all false debts from my reports ASAP. I will also like your company to mail me via postal mail that all the changes have been made or attempted to be made within 10 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
When reviewing my credit report I noticed several periods reporting as 30 days delinquent by XXXX XXXX. These were not delinquent per my records and I disputed with Experian. Results came back as verified. I followed up and had no success in verifying the method of verification as correct. I want the payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which currently show as 30 days late to be deleted from my 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 explanation
Consumer complaint received 2023-10-05 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: Upstart Holdings, Inc.
State: NY

Complaint narrative:
I am not denying my account or stating this account isn't mine. I am not asking for verification as defined pursuant to 15 U.S. Code 1681a ( l ) ( 2 ) ( A ) information in the consumers application for the credit or other information bearing on the credit worthiness of the consumer ; or pursuant to 15 U.S. Code 1681a ( l ) ( 2 ) ( B ) of the information in the consumers application for the credit to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. I am demanding you to remove my account information as you have no permissible purpose to furnish a consumer report in regards to i the consume

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: TN

Complaint narrative:
I'm trying to start back school and trying to get into buying a house but there are damages on my report. These negatives things shouldn't be on my report according to the 15 U.S.C 1681 law there shouldn't be any damages on my credit report. These reports are a defamation of character of my free will.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: WA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-10-05 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:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 collection bureau of a has violated my rights. 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 2023-10-05 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: WA

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase allowed a debit card transaction in XXXX from a gas station that was never authorized and would not reverse the charges or help me get the money back from the merchant. I disputed the charge and challenged the charge with no resolution from Chase Bank. The bank is telling me I need to contact the merchant in a foreign country to seek restitution of unauthorized charges. The bank would not do anything also because they wanted me to provide documentation to support fraud, when I asked examples of documents they would not give me any. The charge was fraud and I did not authorize {$450.00} to be charged nor was any service or items rendered to me from this merchant. After researching my situation I found many cases of others getting this scam/fraud. I need help in getting these funds back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
A new collection account was reported to my credit. This account is not mine. Debt collector was called and information that they gave is insufficient. They have started an investigation. I started a fraud protection notice on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: AR

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
A purchase of {$93.00} on XX/XX/2023 was made using XXXX XXXX XXXX XXXX  using Affirm platform. The transaction was canceled and refunded by XXXX ( the online merchant where the transaction was purchased ). We have reached out to both XXXX XXXX  and Affirm regarding the refund but neither companies are unaware where the refund is. Both companies are also unwilling to connect with each other to resolve the dispute/investigate where the refund is since both have been redirecting us to the other company to ask for the refund. Also, the term " payment chargeback '' has been used multiple times but the real concern is either companies keep referring us to the other company to collect the refund without further resolution and we keep going back and forth regarding this same issue for months. We need XXXX XXXX  AND/OR Affirm to look further and trace back the refund because both companies are saying the refund is not with them/their responsibility. So please, where is the refund?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: GA

Complaint narrative:
ACTIONS BY ME : XXXXI was notified by email and alert from XXXX- ( A new account was opened ) from XXXX XXXX XXXX. Opened XX/XX/23, Amount {$910.00} XXXXI pulled my Equifax report and filed a dispute with XXXX XXXX XXXX advising ID Theft. 
9/11/23-I placed a FREEZE on my Equifax credit report. 
XXXXCalled XXXX XXXX XXXX spoke with Customer Support advising them of ID Theft, as I did not voluntarily open credit for myself or for anyone else with XXXX. I verified my personal information with them. 
XXXX made follow up call with XXXX, XXXX no one would give me any information. 
XXXXReceived email from XXXX, to fill out an ID THEFT AFFIDAVIT form to download and submit back to them. The Affidavit form would not download to an acceptable PDF. I called back to inform them of the trouble I was having, they said no problem just email it back to XXXX from the XXXX XXXX. 
XXXX I called Equifax to informed that I was having a difficult time with XXXX XXXX XXXX that I asked to speak with Mgr or someone in the Fraud Dept and all I get was voicemail stating to leave a message and someone will call me back..NEVER RECEIVE A CALL. 
XXXX Called XXXX  for an update, once again nothing! Except for a the person 's name and credit was use for XXXX XXXX XXXX XXXX. 
XXXX-Received response from dispute- XXXX XXXX XXXX reports that this account belongs to me. 

XXXX XXXX XXXX is allowing bad credit practices, and allowing people to use others personal identification, without validating one 's identity. I have done all that I can do to prove my innocence. I never received any type of correspondence via USPS or email, nor did I receive phone call solicitation asking if I wanted credit with UPLIFT. 
I only found out about this because of the alert from XXXX letting me know of the new open credit. I currently have FREEZE on all 3 credit reporting agencies. 
Please help me, I am a victim of ID Theft, I did not apply for credit with XXXX XXXX XXXX. I have already notified the XXXX of XXXX XXXX XXXX of their bad practice. 
The burden of proof is now on XXXX XXXX XXXX to show that I signed an XXXX XXXX XXXX credit application, address, and phone # used, or if done online, there should be an ISP tracking where the application was originated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: PA

Complaint narrative:
I HOPE THIS FINDS YOU WELL. I AM WRITING TO BRING TO YOUR ATTENTION A MATTER OF CONCERN REGARDING UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT HELD BY TRANS UNION, XXXX AND XXXX. 

UPON REVIEWING MY CREDIT REPORT, I DISCOVERED SEVERAL CREDIT INQUIRIES THAT I DID NOT AUTHORIZE OR INITIATE. THESE UNAUTHORIZED INQUIRIES HAVE RAISED CONCERNS ABOUT THE SECURITY OF MY PERSONAL CREDIT INFORMATION. TO PROVIDE YOU WITH MORE CONTEXT, THE UNAUTHORIZED INQUIRIES APPEAR AS FOLLOWS : 1XXXX XXXX 2.XXXX  XXXX XXXX  XXXX 3.XXXX  XX/XX/23 4. XXXX XXXX XX/XX/23 5. XXXX XXXX XX/XX/23 6 XXXX XXXX XX/XX/23 7.XXXX XXXX XXXX 8.XXXX XXXX XX/XX/23 9 XXXX XXXX XXXX XX/XX/23 10.XXXX XXXX XX/XX/23. 

I UNDERSTAND THAT TRANS UNION, XXXX AND XXXX TAKES ITS RESPONSIBILITIES SERIOUSLY WHEN IT COMES TO THE ACCURACY AND INTEGRITY OF CREDIT REPORTS. UNAUTHORIZED INQUIRIES CAN NEGATIVELY IMPACT AN INDIVIDUAL 'S CREDITWORTHINESS AND FINANCIAL SECURITY. TO ADDRESS THIS MATTER EFFICIENTLY AND AVOID UNNECESSARY COSTS ASSOCIATED WITH LEGAL PROCEEDINGS, I AM PROPOSING A RESOLUTION THAT WOULD BENEFIT ALL PARTIES INVOLVED.

ARBITRATION, AS YOU ARE AWARE, CAN BE AN EXPENSIVE AND TIME-CONSUMING PROCESS. IN THE SPIRIT OF RESOLVING THIS ISSUE AMICABLY AND TO THE SATISFACTION OF ALL PARTIES, I KINDLY REQUEST THAT XXXX, TRANSUNION AND XXXX CONSIDER THE FOLLOWING : 1. REMOVE THE UNAUTHORIZED INQUIRIES : I ASK THAT THE CREDIT AGENCIES PROMPTLY REMOVE THE UNAUTHORIZED CREDIT INQUIRIES FROM MY CREDIT REPORT. THIS ACTION WILL HELP TO RECTIFY THE INACCURACIES ON MY REPORT AND ALLEVIATE ANY POTENTIAL HARM TO MY CREDITWORTHINESS.

2. COOPERATION AND GOODWILL : IN RETURN FOR XXXX, XXXX AND TRANS UNIONS COOPERATION IN REMOVING THESE UNAUTHORIZED INQUIRIES, I AM WILLING TO FORGO ANY FURTHER ACTIONS, INCLUDING ARBITRATION OR LEGAL PROCEEDINGS, RELATED TO THIS MATTER. THIS APPROACH WILL SAVE BOTH PARTIES THE EXPENSES ASSOCIATED WITH SUCH PROCESSES. 
I BELIEVE THAT A MUTUALLY BENEFICIAL RESOLUTION CAN BE ACHIEVED BY ADDRESSING THIS ISSUE PROMPTLY AND EFFICIENTLY. BY REMOVING THE UNAUTHORIZED INQUIRIES, WE CAN MAINTAIN THE ACCURACY AND INTEGRITY OF MY CREDIT REPORT WHILE AVOIDING UNNECESSARY COSTS AND POTENTIAL LEGAL DISPUTES.

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 2023-10-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Today is XX/XX/XXXX. I called equifax about XXXXXXXX XXXX XXXX I called in to start another dispute ( have been disputing via mail ) for two accounts. The representative I spoke with was very rude and refused to help me. I called in to dispute an account that is showing charged off and shouldnt be. Incorrect account status. He told me that because I opened the account, I cant dispute that information. Even though its reporting incorrectly. When I went online, thats a dispute option. He was so rude and I was unable to get help even after asking to speak with a supervisor. He refused to transfer me. I would like this account ( XXXX XXXX ) removed and to speak with a supervisor regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company
State: ID

Complaint narrative:
On XX/XX/2023, Frost-Arnett contacted me by letter saying that I have an overdue bill of {$1000.00} and unless I make a payment, they will continue their collection efforts. I sent them a request for debt verification on XX/XX/XXXX, and they have not contacted me or responded to my request in the 30 days following the letter being sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-05 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: IL

Complaint narrative:
A hard inquiry on my credit report was reported on XX/XX/2023 from XXXX XXXX XXXX which I did not initiate. Furthermore, I received an email from XXXX credit card which stated more information was needed for a credit card application that I did not initiate. I would assume both are connected. On XX/XX/2023 I contacted XXXX as well as Equifax. XXXX from XXXX stated that they were stopping the application process and XXXX from Equifax stated that they were placing a fraud alert on my profile for XXXX XXXX, XXXX, and Equifax for 1 year. XXXX also suggested I report to FTC which redirected me to CFPB to file a report. Please let me know if you need any more information, or if there are any other steps I need to take to prevent any further issues. 

This is not a complaint about XXXX or Equifax. It is simply a report of fraud that involved these companies as well as other credit reporting agencies. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
Fraudulent activity resulting in unauthorized ACH transactions on XXXX for {$600.00} and on XXXX for {$920.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Prohealth Care, Inc
State: FL

Complaint narrative:
Calls after told to stop 2 years now I get auto calls.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-05 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