vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 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:
Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my XXXX credit report by XXXX XXXX XXXX and XXXX XXXX XXXX Upon reviewing my credit report, I discovered that XXXX has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to XXXX XXXX XXXX XXXX XXXX XXXX or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation. 

Furthermore, it has come to my attention that XXXX XXXX XXXX and XXXX XXXX XXXX is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at my contact information listed below to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NE

Complaint narrative:
Setup joint account with fiance. 

Proceeded to transfer funds from personal XXXX  ( XXXXXXXX XXXX XXXX ) account. Several transactions were denied and reversed. 

Logged in and found SoFi Joint account was locked. Called security number and they stated I violated terms by transferring from account not in my name. This is false and I have statements, and other documents to prove the account is in my name. 

They stated they would report the issue and would hear back at some point in the future with no ETA. I have no way to pay bills, cards, etc. at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX. The inquiry was not authorized CAPITAL ONE Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized CAPITAL ONE BANK USA Date of inquiry : XXXX XXXX, XXXX  Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: MA

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Idaho Housing And Finance Association
State: WA

Complaint narrative:
Hello, I was not able to submit payments to Homeloanserve for three weeks. I called them, talked to the manager, and wanted to make sure a payment would not go on there late because I was trying to pay. They told me I'd be able to make payment tomorrow, and assured me I wouldn't be listed as late. The next day they made payment possible and listed me as late though I'd talked to them just the day before and tried to pay for three weeks. They have not responded to my emails to remove this payment. They also said they would remove three late payment fees for system error and instead charged more late payments.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: GA

Complaint narrative:
I am writing to lodge a formal complaint regarding the inclusion of unauthorized accounts on my credit reports held by XXXX, XXXX, and TransUnion. Specifically, I demand the immediate removal of the following accounts : XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX. Despite these accounts being verified, no method of verification was sent to my address within the mandated 15-day period.

This failure to provide proper verification leads me to suspect potential identity theft, as unauthorized non-consumer report information has been added to my credit files. I am granting the credit bureaus a generous 30-day window to remove these accounts. For each additional day that these accounts remain on my report beyond the allotted time frame, I will be charging the credit bureaus XXXX XXXX dollars per day. 

Furthermore, I will be reporting this incident of identity theft to the Federal Trade Commission ( FTC ) and the Internal Revenue Service ( IRS ) for further investigation. 

I expect immediate action to rectify this matter and prevent any further damage to my credit and financial well-being. 
XXXX XXXX XXXX XXXX as well

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 2024-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX XXXX sent me an alert about a hard inquiry on my credit report. It was a JPMCB credit card that I did not authorize. XX/XX/2024 I contacted JPMCP and let them know that it wasn't me and they canceled the application but I still have the hard inquiry on my report and today is XX/XX/ 2024. I would like this removed please and Thank you very much

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: NY

Complaint narrative:
There are some errors I noticed on my credit report. I always pay these accounts on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Over the course of 2 years, I have been going through the proper channels to repair my credit. I have requested for XXXX, Equifax and XXXX to remove an account that was mislabeled as a foreclosure. After XXXX XXXX made the mistake of reporting the account incorrectly, the bureaus took over a year to do the proper investigation. I have requested that XXXX XXXX supply me with supporting documents and they have failed to do so and it has costed me my livelihood for my family and I. I have requested a re-investigation every 30 days since XX/XX/2022. 

I also have tracking numbers for certified letters. XXXX XXXX  will not respond and I have already lost my patience!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: NY

Complaint narrative:
I'm unaware of this debt and did not receive proper notification. if you believe you have supplied me with the proper notification, please provide the certified receipt with my signature. Also, I looked up the collection agency XXXX, and they are not registered to collect debt in my state. Transunion failed to investigate accurate information twice and I want to know what steps was taking to validate the alleged debt that is tied to me. is there an agreement that grants you authority collect on this alleged debt, or proof acquisition by assignment? What did you pay for this account and how did you calculate the current amount owed?

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 2024-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Klarna AB
State: CA

Complaint narrative:
They've made it extremely difficult to make payments and repay the loan. Almost every other company I've worked with and obtained loans from, I can make multiple payments to pay towards my loan. However, this company limits your amount to only the monthly amount. Then at around XXXX XXXX  or so it will combine this month 's past due with upcoming due and it won't allow you to pay any other amount. When you do make a payment it won't allow you to make another payment for a couple of days. It seems to make it as difficult as possible to repay. I understand we should be making the minimum monthly payment ; however, with things as they are, they make budgeting extremely difficult. Because they don't allow payments to be made at different amounts I can't prepay small amounts to meet the minimum amount and by the time I've saved enough they combine next month and I can't make a payment until the new doubled amount. So they double the payment. How will I ever pay it off if they continue to do that. I think that's predatory behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XX/XX/1988 Dear credit bureaus To whom it may concern : Account Name : XXXX Account Number : XXXX I received a copy of my credit report. To my surprise you are reporting this account incorrectly. This collection account is reporting not only as OPEN but also shows a past due balance of {$1500.00} According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy new credit report reflecting this account removed upon completion.

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 2024-03-15 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: NY

Complaint narrative:
There are some errors I noticed on my credit report. I always pay these accounts on time.

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 2024-03-16 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: VA

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act. XXXX XXXX, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card a open-end consumer credit plan as late for any purpose. 
Remove this account and update my report as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2024-03-16 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: VA

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act. discover bank, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card a open-end consumer credit plan as late for any purpose. 
Remove this account and update my report as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: VA

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act. XXXX XXXX has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card a open-end consumer credit plan as late for any purpose. 
Remove this account and update my report as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2024-03-15 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: GA

Complaint narrative:
I am writing to lodge a formal complaint regarding the inclusion of unauthorized accounts on my credit reports held by XXXX, Experian, and XXXX. Specifically, I demand the immediate removal of the following accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX. Despite these accounts being verified, no method of verification was sent to my address within the mandated 15-day period.

This failure to provide proper verification leads me to suspect potential identity theft, as unauthorized non-consumer report information has been added to my credit files. I am granting the credit bureaus a generous 30-day window to remove these accounts. For each additional day that these accounts remain on my report beyond the allotted time frame, I will be charging the credit bureaus XXXX XXXX dollars per day. 

Furthermore, I will be reporting this incident of identity theft to the Federal Trade Commission ( FTC ) and the Internal Revenue Service ( IRS ) for further investigation. 

I expect immediate action to rectify this matter and prevent any further damage to my credit and financial well-being. 
XXXXXXXX XXXX XXXX  account as well

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Since XX/XX/year> I have not been able to login to membership account with Experian. My information suddenly does Not match in their system. The system does not recognize my phone number. 
I tried calling multiple times different departments its all automated and disconnects the call. I have no option to speak to anyone. I can not do anything online, phone or by mail.im in soecial handling dept for years. Im being denied my legal rights. No access to my file. I need to dispute inaccurate information.

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 2024-03-15 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: MO

Complaint narrative:
XXXX Lender Info XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Responsibility Individual Original Loan Amount {$140.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX My XXXX is XX/XX/XXXX - XXXX  years of age This account was fraudulently created. I was age XXXX and this is not my account. I never received products or purchased products or signed any contract or agreed to any payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I paid the balance of this credit card on XX/XX/2023. I have called XXXX multiple times to get these fees and interest reversed. I was told that the account is closed and the fees and interest cant be reversed. The last representative that I spoke to said XXXX dispute resolution department would reach out. I have heard nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-16 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: SC

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT DO NOT BELONG TO ME. THEY ARE FRAUDULENT AND NEED TO BE REMOVED FROM CREDIT REPORT. PLEASE REMOVE ACCOUNTS. I HAVE SPOKE TO THE CREDITORS AND THEY HAVE NOT DONE ABSOLUTELY NOTHING. ITS BEEN OVER 6 MONTHS PLUS AND NO RESPONSE. MY INFORMATION IS REPORTING INCORRECTLY ON EACH BUREAU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I own a car dealership sold a car for {$5000.00} the customer could only use {$2500.00} a day so on XX/XX/XXXX they paid {$2500.00} via card and then on the XXXX another {$2500.00} via same card now a company called WEPAY  has a hold of my money and said I cant have it back, closed my account so how am I supposed to run my company with no money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance : {$280000.00} ; XXXX XXXX XXXX XXXX XXXX : {$340000.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}.

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