vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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: EQUIFAX, INC.
State: NE

Complaint narrative:
I just recently looked at my credit report I saw some hard inquiries that did have not permission purpose. I also attached evidence.These inquiries has no permissible purpose to be on my report. 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. 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. FCRA Section 605B of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to block the reporting of information on a consumer 's credit file if the consumer claims it is the result of identity theft. U.S. SENTENCING COMMISSION. 18 U.S.C. 1028A. TRANSFER, POSSESSION, OR USE OF A MEANS OF IDENTIFICATION OF ANOTHER PERSON DURING AND IN RELATION TO ANOTHER FELONY. 15 USC 1692 The FDCPA 's purpose is to eliminate abusive debt collection practices, protect debt collectors who don't use abusive practices, and encourage consistent state action to protect consumers. 15 USC 1601 The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use ofcredit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use ofcredit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Under the Fair Credit Reporting Act, you're entitled to a fair and accurate credit report. If information about the repossession is inaccurate or unsubstantiated, I have the rights to dispute from my credit report. Delete these inquiries due to violation of XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Collection Chargeoff {$15000.00} account number XXXX XX/XX/XXXX XXXX Collections Chargeoff {$2100.00} XX/XX/XXXX account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Federal Trade Commission XXXX XXXX XXXX XXXX Washington, D.C. XXXX Dear Sir/Madam, I am writing to formally bring to your attention an issue I have encountered with Experian, one of the major consumer reporting agencies. I have noticed that they are not reporting accurate information on my credit report, specifically regarding my credit card payments. 

Upon reviewing my credit report, I discovered that my payment made on XX/XX/XXXX has not been reported. This payment has reduced my credit card balance to zero, yet it is absent from my report. This inaccuracy not only misrepresents my creditworthiness but also undermines the fairness and accuracy that is essential for the proper functioning of the banking system, as outlined in 15 U.S. Code 1681. 

I have attached supporting documents, including payment confirmations and my current credit report, for your review. I urge you to investigate this matter and take appropriate action to ensure my credit report reflects accurate information. 

Thank you for your attention to this urgent issue. I appreciate your efforts in upholding consumer rights and ensuring fair credit reporting. 

Sincerely,

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 2024-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I have filed multiple disputes and on the day theyre supposed to give me a provisional credit they close it saying no error was found. They close the disputes without proof from the merchant. They have closed the dispute without even talking to the merchant. I am out hundreds of dollars because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) ( FTC REPORT NUMBER : XXXX ) ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : 1- XXXX XXXX ACCOUNT # XXXX 2- XXXX CRE ACCOUNT # XXXX 3- XXXX XXXX ACCOUNT # XXXX 4- XXXX, XXXX & XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BCION, A DIVISION OF ION BANK
State: NV

Complaint narrative:
I have been asking for a history of payments since XX/XX/year>. I have emailed different people who are ccd and/pr respond after I email my request to the point of contact, a man called XXXX XXXX , with email XXXX. 

At first I got response like " Attached is the payment history you requested for the auto loan... .Here 's the attachment as a link for your review XXXX ... '' which was a link to some website. Not really an attachment. This response was sent to me by XXXX XXXX, with email XXXX As a response to this I wrote " Thank you XXXX XXXX Could you send me the history as an actual attachment for my private viewing. I am a victim of persistent targeted hacking, and accessing the history of my payments through a link makes me uncomfortable. " The last exchange, was with XXXX XXXX XXXX, email, XXXX. She wrote " Do you need your entire history? Or just a timeframe? Id be happy to send that to you. And would you like them send as a hard-copy or as an email, or both? " I responded " I have not received the history of payments that XXXX asked about. This seems too difficult. AGAIN, PLEASE SEND ME A HISTORY OF PAYMENTS. ALL OF IT BY EMAIL. '' I have not gotten any responses now. Just an email letting me know my payment is due whenever is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I mistakenly sent {$3000.00} via XXXX to an unknown recipient in three separate transactions : {$1800.00} on XX/XX/year> {$900.00} on XX/XX/year> {$350.00} on XX/XX/year> After realizing the error, I reported the transactions to Chase on XX/XX/year> under claim reference # XXXX. I explained that the payments were unauthorized or sent in error. 

Chase closed my claim without providing a satisfactory resolution. They informed me they had completed their review, but did not provide evidence or details of their investigation. I requested an explanation of how the transactions were considered authorized, but I have not received any documents or clarification. As a result, I have not been able to recover the funds. Also I received a phone call at approximately XXXX XXXX  from someone claiming to be from XXXX. They said they had sent me a verification link to set up my XXXX  account and needed additional personal details to complete the setup. They asked for the following information : Name Phone number Address Social Security Number ( SSN ) XXXX account number Routing number A confirmation code sent via text message Believing this call was legitimate, I provided the requested information. After about 30 minutes, I began to feel suspicious and went to the XXXX store at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX. The staff informed me that the text message was not from XXXX, and I had been scammed. 

Within 2-3 days, I discovered unauthorised transactions in my accounts, which I believe were a result of the scam. I have contacted XXXX, but I have not received a resolution or proper support for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: MO

Complaint narrative:
The 3 big credit bureaus are reporting information on this account incorrect, inaccurate and outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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 have requested the removal of unauthorized credit inquiry/inquiries on my credit report from all three credit bureaus and upon checking, my latest credit report STILL shows inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681b - Permissible Purposes & Texas Business AND TEXAS Commerce Code 20.05 AND 15 U.S. Code 1681e ( b ) AND 15 U.S. Code 1681c-2 AND 15 U.S. Code 1681i AND 15 U.S. Code 1681s-2 XXXX XXXX XXXX Requested On XXXX XXXX 15 U.S. Code 1681b - Permissible Purposes & Texas Business AND TEXAS Commerce Code 20.05 AND 15 U.S. Code 1681e ( b ) AND 15 U.S. Code 1681c-2 AND 15 U.S. Code 1681i AND 15 U.S. Code 1681s-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681b - Permissible Purposes & Texas Business AND TEXAS Commerce Code 20.05 AND 15 U.S. Code 1681e ( b ) AND 15 U.S. Code 1681c-2 AND 15 U.S. Code 1681i AND 15 U.S. Code 1681s-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681b - Permissible Purposes & Texas Business AND TEXAS Commerce Code 20.05 AND 15 U.S. Code 1681e ( b ) AND 15 U.S. Code 1681c-2 AND 15 U.S. Code 1681i AND 15 U.S. Code 1681s-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681b - Permissible Purposes & Texas Business AND TEXAS Commerce Code 20.05 AND 15 U.S. Code 1681e ( b ) AND 15 U.S. Code 1681c-2 AND 15 U.S. Code 1681i AND 15 U.S. Code 1681s-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681b - Permissible Purposes & Texas Business AND TEXAS Commerce Code 20.05 AND 15 U.S. Code 1681e ( b ) AND 15 U.S. Code 1681c-2 AND 15 U.S. Code 1681i AND 15 U.S. Code 1681s-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681b - Permissible Purposes & Texas Business AND TEXAS Commerce Code 20.05 AND 15 U.S. Code 1681e ( b ) AND 15 U.S. Code 1681c-2 AND 15 U.S. Code 1681i AND 15 U.S. Code 1681s-2

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX  CRD XXXX Balance {$10000.00} XXXX  CRD XXXX Balance {$4300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX XXXX Balance : {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX  CRD XXXX Balance {$10000.00} XXXX  CRD XXXX Balance {$4300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX XXXX Balance : {$3600.00}

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 2024-11-25 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-11-25 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: GA

Complaint narrative:
Several credit cards have been taken out in my name that I have no knowledge of. The account are as follows.XXXX XXXX XXXXXXXX opened XX/XX/XXXX for the amount of {$2000.00}. XXXX  XXXX opened XX/XX/XXXX for the amount of {$450.00} which is now in collections. This complaint is being filed to request pursuant to FCRA that you the XXXX credit reporting agency block information appearing on my consumer credit report that is a result of fraud and identity theft within a reasonable time frame of you receiving in this complaint. These accounts have resulted in several hard inquiries and collections on my FICO score profile. My FTC case number is XXXX for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: GA

Complaint narrative:
Several credit cards have been taken out in my name that I have no knowledge of. The account are as follows.XXXX XXXX XXXXXXXX opened XX/XX/XXXX for the amount of {$2000.00}. XXXX  XXXX opened XX/XX/XXXX for the amount of {$450.00} which is now in collections. This complaint is being filed to request pursuant to FCRA that you the XXXX credit reporting agency block information appearing on my consumer credit report that is a result of fraud and identity theft within a reasonable time frame of you receiving in this complaint. These accounts have resulted in several hard inquiries and collections on my FICO score profile. My FTC case number is XXXX for reference.

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 2024-11-25 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:
In XXXX, XXXX me and my wife did a COVID surrender of our XXXX XXXX XXXX XXXX. It was financed with XXXX XXXX XXXX. This was due to a loss of income. XXXX sold the vehicle and turned the account over to collections with XXXX XXXX XXXX XXXX We settled this collection on XXXX XXXX, XXXX. I sent a letter to the credit reporting agency with this information. I requested that the XXXX account reporting get up dated from charged-off to settled in the comments. They refused. I have been trying to have this corrected for two years, This is unacceptable. XXXX XXXX XXXX XXXX was removed but XXXX was not updated.

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 2024-11-25 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: FL

Complaint narrative:
In XXXX, XXXX me and my wife did a COVID surrender of our XXXX XXXX XXXX XXXX. It was financed with XXXX XXXX XXXX. This was due to a loss of income. XXXX sold the vehicle and turned the account over to collections with XXXX XXXX XXXX XXXX We settled this collection on XXXX XXXX, XXXX. I sent a letter to the credit reporting agency with this information. I requested that the XXXX account reporting get up dated from charged-off to settled in the comments. They refused. I have been trying to have this corrected for two years, This is unacceptable. XXXX XXXX XXXX XXXX was removed but XXXX was not updated.

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 2024-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: GA

Complaint narrative:
I am a victim of identity thief i notice a fraudulent account that was open in my name without my knowledge or consent i have no contractual agreement with this company i need this negative account removed off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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 recently reviewed my credit report and noticed inaccurate and unauthorized information relating to identity theft.

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