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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Please remove this information from my credit report XXXX XXXX XXXX Account Number XXXX XXXX. Please remove this information from my credit report XXXX XXXX Account XXXX XXXX XXXX. Please remove this information from my credit report Chapter XXXX bankruptcy XXXX Account XXXX XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you, 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: EQUIFAX, INC.
State: KS

Complaint narrative:
To Whom It May Concern, Subject : New Complaint and Evidence** This is not a duplicate complaint. 

I, XXXX XXXX, disputed and called the creditor to demand the closure of the following account well before this creditor was allowed to update my credit report on XX/XX/XXXX, including on XXXX, XXXX, XXXX and XXXX XXXX XXXX Fraud XXXX XXXX XXXX id XXXX # XXXX Case id XXXX  # XXXX. 

I have discovered new information indicating that this creditor pulled my credit at least 30 times without my consent, significantly lowering my score. Additionally, there are discrepancies regarding the account status. This account was " closed by the consumer '' due to fraud, not by the grantor. An identity theft report has been filed naming this creditor. 

This account needs to be deleted, and my scores need to be raised to the XXXX. 

Account Details : - Creditor : XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX Sincerely, XXXX XXXX

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: EQUIFAX, INC.
State: KS

Complaint narrative:
To Whom It May Concern, Subject : New Complaint and Evidence** This is not a duplicate complaint. 

I, XXXX XXXX, disputed and called the creditor to demand the closure of the following account well before this creditor was allowed to update my credit report on XX/XX/XXXX, including on XXXX, XXXX, XXXX and XXXX XXXX XXXX Fraud Protection Dept Case id XXXX # XXXX Case id XXXX  # XXXX. 

I have discovered new information indicating that this creditor pulled my credit at least XXXX times without my consent, significantly lowering my score. Additionally, there are discrepancies regarding the account status. This account was " closed by the consumer '' due to fraud, not by the grantor. An identity theft report has been filed naming this creditor. 

This account needs to be deleted, and my scores need to be raised to the XXXX. 

Account Details : - Creditor : XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX Sincerely, XXXX XXXX

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered an unauthorized account on my credit report during a recent review. Kindly remove this fraudulent entry, as it is obstructing my ability to obtain credit. This account is unfamiliar to me. 

Account name : XXXX, XXXX & XXXX Account number : XXXX Date opened : XX/XX/2018 Balance : {$13000.00}

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am sure yo u 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. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am sending this request to formally dispute the accounts that appears on my credit report. These accounts are incorrect, and I request it immediate deletion to reflect the accurate state of my credit history. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report and expect a resolution within XXXX  days. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX XXXX XXX Balance : {$340.00}

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: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
I have a checking acct with XXXX XXXX XXXX, one of the services is having your credit report checked as a service. This is through a credit reporting agency ; I looked through the reports and Midland credit had their name on my report WITHOUT my knowledge for XXXX dollars, I asked the credit reporting agency to take it off, they did not and said the amount was right, I have been fighting this for months with the same answer, Now XXXX XXXX is on my report as well. I would like these XXXX taken off my credit report. 

Can you help in this I am in a XXXX XXXX so can not go out to fix this myself.

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: CA

Complaint narrative:
You obtained my credit report from XXXX XXXX XXXX on XX/XX/year> and the inquiry was coded as if I had applied for credit, insurance, housing, etc. You also failed to respond to my request for your permissible purpose which you received on XX/XX/year>. I can only assume now that you had no permissible purpose. As your legal department knows, civil liability in this matter is {$1000.00} in damages. I am offering to settle this matter as follows : Permanently delete the inquiry, or overnight me a cashier 's check for {$1000.00}. I will give you 20 days to make a decision. 
XXXX XXXX XX/XX/year>.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I reviewed my credit report and discovered the following from Account : XXXX XXXX XXXX Account number : Not reported Amount allegedly owed : XXXX Florida has several laws that regulate debt collection agencies, including the Florida Consumer Collection Practices Act ( FCCPA ) and the Florida Commercial Collection Practices Act : I never received documentation about alleged debt, according to FCCPA Protects consumers from unfair and deceptive debt collection practices. This law mirrors and supplements the federal Fair Debt Collection Practices Act ( FDCPA ), which only applies to third-party debt collectors. The FCCPA prohibits debt collectors from contacting consumers at certain times and places, such as before XXXX XXXX or after XXXX XXXX, unless the consumer agrees. It also requires debt collectors to send a written notice to consumers within five days of first contact, stating the amount owed, the name of the creditor, and what action to take if the consumer believes they don't owe the money First credit services. isnt licensed in the state Florida to collect alleged debt according to the Consumer Collection Agency License Requirements in the state of Florida for agencies that collect consumer debt owed to another person.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent a complaint regarding this issue why are you still not going anything regarding this issue I been sending my the dispute since last month here 's the lists XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX  Date of inquiry : XX/XX/year> XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/year> XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year>

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent a complaint regarding this issue why are you still not going anything regarding this issue I been sending my the dispute since last month here 's the lists XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year>

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing with the utmost urgency to demand immediate action regarding the fraudulent account and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report.

Provide written confirmation that these items have been removed.

Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 



XXXX XXXX XXXX XXXX XXXX

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 — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have an inquiry that I never authorize for this company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
XXXX approved a fraudulent charge to XXXX XXXX on XX/XX/year> for XXXX 2 laptops that totaled {$6200.00} XXXX. XXXX Bank of America ( B of A ) VISA was attached to my XXXX account, so this charge appeared on my XXXX  account the next day. XXXX sent this text on the evening of XX/XX/year> : " [ XXXX ] Did you pay {$6200.00} to XXXX XXXX on XXXX XXXX? Reply 1 if yes or 2 if no. [ Reply Needed ] '' I did not reply as I thought it was a scam ... XXXX should have never approved this transaction until I confirmed it. 
B of A initially credited the charge as they opened a fraud case but just deemed the charge legal and placed the {$6200.00} charge back onto my XXXX  balance. XXXX has also deemed the transaction legitimate. 
I tried but could not contact XXXX XXXX... I'm assuming XXXX and B of A could contact XXXX and investigate the purchase. Where were the laptops shipped to? 
What VPN address were the purchases made from? Thank you. 
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 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had a debt owed to Chase that was delinquent in payment. In XXXX of 2023 ( XXXX / XXXX ). I spoke with Chase bank to notify of my situation of not being able to provide payment at that time. 
I have a XXXX XXXX that suffered financial strain stemming since covid that I since been trying to recover from.

They were willing to work with me but I defaulted. I received a few phone calls from Chase for a few weeks then the communicated stopped.

I did not receive phone calls, emails or any postal mail regarding the account at all. I was still receiving friendly emails from Chase, which deceived me to assume that things were in good standing relations. 
Suddenly I started to receive phone calls and postal mail from defense attorneys to help defend me during a law suit. It was this time that I was able to find the court information about Chases law suit against me.

Over last year I have never received collections letters or calls from Chase regarding the severity of the account- much less any offers ; opportunities to settle this account. 
I did receive calls from unidentified callers, which couldve been spam. 
At this point I feel that Im being targeted by Chase filing this law suit. I am living in fear having XXXX XXXX and unable to sleep from the threat of losing everything of value including my XXXX XXXX This stress is effecting my lively hood in every way.

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: TX

Complaint narrative:
I am sending this request to formally dispute the accounts that appears on my credit report. These accounts are incorrect, and I request it immediate deletion to reflect the accurate state of my credit history. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report and expect a resolution within XXXX days. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX XXXX XXX Balance : {$340.00}

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

Below are the accounts that I am disputing : XXXX XXXX XXXX, XXXX  XXXX XXXX and XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
XX/XX/XXXX : I purchased XXXX XXXX XXXX  VIN : XXXX for {$28000.00} on a XXXX year loan with an an annual interest rate of XXXX  %. 
XX/XX/XXXX : After paying the interest rate of XXXX  % for more than XXXX and a half years, I can not afford this high interest rate. 
On XX/XX/XXXX : I sent a letter to XXXX XXXX, the XXXX Santander Consumer USA, asking to lower my interest rate from XXXX  % to XXXX  %. 
No response has been received from Santander Consumer USA

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: OH

Complaint narrative:
I looked at my report back on XX/XX/2024, and I noticed things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account [ 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 is not complete and it's not accurate. 

[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate. 

XXXX XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate. 

[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate. 

[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate. 

[ XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate. 

[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate. 

I sent letters on XX/XX/XXXX, asking them to reinvestigate these accounts. 

I got the investigation back but noticed nothing was modified or updated. So, I requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 They also violated 15 USC 1681i ( 5 ) Can you look into this matter

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 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