vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: PA

Complaint narrative:
On XX/XX/XXXX of 2024 I contacted Transunion, contesting the inclusion of an erroneous bankruptcy on my credit report. I was asking the agencies the method of their investigation. I received no response. According to 15 usc 1681a- ( e ) " mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information ''. According to 15 usc 1681 ( a ) ( 4 ) - '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMER 'S RIGHT TO PRIVACY '' This also is an infringement upon my right to privacy. Also, according to 15 U.S. Code 1681b ( a ) ( 2 ) -Permissible purposes of consumer reports " In accordance with the written instructions of the consumer to whom it relates. '' I have not given any written instructions to put any such information on 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 2024-05-21 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: OH

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively.

These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review 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 explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX partners with XXXX for deliveries. 
I contacted XXXX about spoiled deliveries and they told me I selected contactless delivery when I in fact did not. No text messages or notifications the order was on its way were sent to me at all whatsoever. 
{$80.00} worth of groceries spoiled. 
I've contacted XXXX multiple times and they say they can't help.

I've contacted J. P. Morgan Chase Bank to do a chargeback and they refuse just like the merchant, they're telling me to contact the merchant.

Who do I get my {$80.00} back from? This is insane. 

Additionally, the XXXX app is glitched, I'll attach a screenshot, this was taken around daybreak of the day after the initial order.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-05-21 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-05-21 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: PA

Complaint narrative:
I have been in a long battle with my landlord who was stealing my mail, and inevitably apparently stealing my identity in the process. After reporting the incident to the XXXX XXXX XXXX XXXX, Office of Inspector General, and XXXX Police Department I then alerted the credit bureaus of my change of address AND information that was incorrect on the report and needed to be blocked pursuant to 15 U.S. Code 1681c2.

I attempted to upload the documents to Equifax but their online system gave an error that I wasnt eligible to upload documents. I then called their Consumer Relations department on XX/XX/2024 and spoke with a representative, XXXX, who recommended that I send in a cover letter, Proof of ID, Social Security Card, Bank Statement, and Utility Bill to change the address. I was also told to send an FTC Report as well as a Police Report to remove the fraudulent accounts. 

These documents were sent at my expense- despite the fact that any other consumer could upload the documents for free - via XXXX Mail with Tracking XXXX and delivered XX/XX/2024 at XXXX. 

Equifax does not appear to be taking prompt action within the timeframes set for blocking of information. Additionally, despite removing OTHER items that were reported as XXXX by XXXX to them, they are not taking action to the items now that XXXX has deemed them all fraudulent and worthy of blocking under 15 U.S. Code 1681c2. 

XXXX continued incompetence in this matter is creating undue damages and financial hardship. 

Attachments included are all documents referenced in this narrative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: MD

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/2024, regarding the inaccurate negative accounts on my credit report. Despite my repeated attempts to resolve this issue, these erroneous entries persist, reflecting poorly on your organization 's credibility and violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: MD

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/2024, regarding the inaccurate negative accounts on my credit report. Despite my repeated attempts to resolve this issue, these erroneous entries persist, reflecting poorly on your organization 's credibility and violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

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 2024-05-21 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: CA

Complaint narrative:
XXXX XXXX  is reporting to XXXX that I still owe a debt for a car XXXX financed in XXXX. The car was paid in full on XX/XX/XXXX. The credit reports ( all three ) should reflect that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX  is reporting to Experian that I still owe a debt for a car XXXX financed in XXXX. The car was paid in full on XX/XX/XXXX. The credit reports ( all three ) should reflect that.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I made a complaint on XX/XX/XXXX for the issue below. On my XX/XX/XXXX report all items were removed. On my XX/XX/XXXX report all items were REINSERTED for the XXXX time. At this time Equifax is being egregious and I want to seek legal action. They need to please remove all the reinserted inquiries from my report. 

Complaint from XX/XX/XXXX : I review my credit report weekly to make sure everything on it is correct. I monitor through XXXX XXXX and XXXX. On XX/XX/XXXX I only had 2 inquiries on my report as I had previously disputed fraudulent inquiries and they were ALL REMOVED in XX/XX/XXXX through a previous complaint filed with the CFPB. I have attached both reports showing the reinserted fraudulent, old inquiries. On XX/XX/XXXX Equifax reinserted XXXX inquiries from XXXX and XXXX which were previously removed after their own investigation which is a CLEAR Violation of FCRA and FDCPA. Equifax can not by law reinsert previously deleted information and continuously violate my consumer rights. I am seeking your help to make them comply with consumers laws created to protect me from these illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I applied for the Citi XXXX XXXX XXXX offered to me in process of airfare booking process because there was an offer for a {$400.00} statement rebate if I purchased the air travel with the card. I applied and was instantly approved however I was not able to use the newly approved card to pay for the travel in the booking process because did not yet have this card account number and PIN. So I used another Citi card to complete the purchase. After receiving the new card a week later I contacted their Citi XXXX  XXXX customer service to ask about receiving the credit? I was advised that the special offer was only available if I had made the purchase with the card, which I could not do at the time I was booking the airfare as I explained. To me this was deceptive advertising. When I contacted Citi MasterCard customer service, they apologized but would do noting to correct the problem other than offering me to make additional purchases to earn the reward. I have canceled the account with Citi XXXX MasterCard.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Three years ago, I joined the group to try to get XXXX  loan XXXX. I was told not to make any payments as the loan would be forgiven since I had attended the XXXX XXXX. This year my loans were bought by XXXX to continue the process of loan XXXX. Navient suddenly started reported my account as delinquent, even though I had been told not to pay AND they no longer had the loan. Navient says there is nothing they can do, and XXXX says the loans will be forgiven, it just takes time. The inaccurate reporting on my credit is causing problems and I just want it resolved and removed in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: PA

Complaint narrative:
On XX/XX/XXXX of 2024, I contacted Experian, XXXX and XXXX, contesting the inclusion of an erroneous XXXX on my credit report. I was asking the agencies the method of their investigation. I received no response. According to 15 USC 1681a- ( e ) " mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information.

According to 15 USC 1681 ( a ) ( 4 ), " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMER 'S RIGHT TO PRIVACY. '' This also is an infringement upon my right to privacy. Also, according to 15 U.S. Code 1681b ( a ) ( 2 ) -Permissible purposes of consumer reports " In accordance with the written instructions of the consumer to whom it relates. '' I have not given any written instructions to put any such information on 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 explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
SoFi pushed a free junk stock on me in XXXX. I did not perform any transactions on the account accept being given a junk stock for checking them out. XX/XX/XXXX I receive an email that I will be charged {$25.00} for account inactivity. The original terms did not include this fee and I did not agree to updated terms. It took well over an hour in total to get to someone who agreed to liquidate the account, forfeit the free stock, and close the account. The attached chat screenshot is absolutely an unacceptable way to make people give up on closing their account instead of doing their jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2024-05-21 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 writing to request the removal of an account from my report that does not belong to me. I am a victim of identity theft, and this account was fraudulently opened in my name. 

Please investigate this matter and remove the incorrect account from my report to restore its accuracy.

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 2024-05-21 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: FL

Complaint narrative:
Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments. There should be no late payments on this account.

Instructions : Validate/inaccurate reported late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED.

Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Disputed debt by Capital One. Spoke numerous times with previous collections & explained it was a secured card ( {$250.00} deposit ). Spoke with XXXX at XXXX XX/XX/21 at XXXX. Explained the same. 

Asked previously for debt validation/verification & was sent two statements ( XX/XX/XXXX, XX/XX/XXXX ). Representative referenced statements I do not have ( XX/XX/XXXX ). 

Opening the card with Capital One, the agreement/card was a SECURED card with a DEPOSIT I provided on the account of XXXX XXXX I never received the deposit back, and this should have been applied to the account. 

Account is paid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Service International Corp
State: GA

Complaint narrative:
I am writing to dispute the alleged debt that you have placed on my credit report. According to the Fair Debt Collection Practices Act ( FDCPA ) Section XXXX, debt XXXX are required to provide notice to the consumer within XXXX days of their initial communication. I have not received such notice from your company. 

Furthermore, upon my request, you have failed to provide me with a receipt of the certified mail containing the alleged notice, including my signature confirming receipt. This failure to provide documentation not only violates my federal rights but also raises serious questions regarding the validity of the debt in question. 

Your recent response to my inquiry lacks substantial evidence of compliance with federal regulations. While you assert your legal right to collect an alleged debt, you have failed to provide any verifiable proof of notification or adherence to the necessary disclosures under the FDCPA. Without such evidence, the presence of this debt on my credit report is unwarranted and unjustified. 

Moreover, your own records indicate that you received the alleged debt for collection placement on XX/XX/22, while my credit report indicates that this account was opened on XX/XX/22. This inconsistency demonstrates a clear violation of my federal rights under FDCPA XXXX XXXX ( a ) ( XXXX ) ( ii ), as you furnished this account to the credit reporting agencies before providing me with notice let alone before you even received this assignment to collect. 

I demand that you immediately remove this collection from my credit report. Failure to do so will leave me with no choice but to pursue legal action against Credit Service International Corp for defamation of character and violation of my consumer rights. 

Enclosed, please find copies of my correspondence with your company, as well as my credit report reflecting the inaccurate information. I expect a prompt resolution to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple XXXX XXXX regarding the account that do not belong to me. 

Account name : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX  Date XXXX inquiry XXXX XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief