vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
National Credit Systems colluded with XXXX XXXX XXXX to defraud me out of a balance of {$12000.00}. I was legally protected from payment rent during the XXXX COVID19 rent moratorium. The XXXX County CARES Housing Assistance program ( XXXX ) approved reimbursement of my {$12000.00} to the landlord ( XXXX XXXX XXXX XXXX ) for rent and assessed late fees due to COVID-19. However, the property management staff at the time was either incompetent or committing fraud by requesting me to pay the {$12000.00} balance despite my approval for the XXXX program and being unemployed and unable to pay. 

XXXX XXXX XXXX colluded with National Credit Systems to defraud me out of this balance. In fact, NCS continues to offer me a reduced settlement ( see attached letter ) for a balance that I do not owe. NCS has maliciously tarnished my credit and reputation for the sole purpose of financial greed to profit from the worst financial and health crisis we have experienced in COVID19.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had received a promotional offer from Chase Bank regarding their checking account. Upon attempting to open the account, their system caused an error ( attached ) while attaching the coupon code for the promotion. The account was opened and I was given information stating that the promotion code would be attached and a confirmation email would be sent once applied. I didn't see any update from Chase so I reached out to customer service and spoke with a supervisor who stated she would attach the promotional coupon manually to my account. 

Approximately 15-20 days later after fulfilling the promotional requirements I did not see the bonus added to the account. Again, reached out to a supervisor at Chase who put me on hold and researched the account. His conclusion was that I met with the requirements but he had to initiate a follow-up case from the back office to reach out to me so they could manually add the bonus. The instructions for the back office agent were to reach me anytime after XXXX CST but the individual assigned my case from the back office would always call in the morning. I would attempt to reach him in the afternoon and left multiple voicemails but he would not call back during that time. 

Had to reach out again to Chase customer support to inform the next supervisor about the lack of contact from the back office. The next supervisor initiated a second follow-up case, however I have yet to hear back from anyone. This nonsense has been going on for over a month because supervisors at Chase can not simply take care of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I called to unlink the automatic payments on my bank account and they refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
I am writing to lodge a formal complaint against XXXX XXXX for significant mishandling of my account, resulting in unauthorized debt collection actions and detrimental impacts on my credit score. This complaint is supported by a series of documented communications and events that underline the negligence and improper conduct exhibited by XXXX XXXX. 

Initial Account Opening Attempt : On XX/XX/2023, I endeavored to open an account with XXXX XXXX, assisted by a company representative via chat. Despite following all directed procedures, the account activation was unsuccessful. The initial engagement and subsequent failure to activate the account are detailed in the attached Account Opening Attempt Email ( Attachment 1 ) dated XX/XX/2023, at XXXX XXXX and Account Activation Request Email dated XX/XX/2023, at XXXX XXXX respectively. 

Failed Activation and Closure : Efforts by the XXXX representative to activate the account were futile, leading me to request the cessation of the account opening process. This request and the acknowledgment of the account closure are chronicled in the Account Closing Email ( Attachment 3 ) dated XX/XX/2023, at XXXX XXXX. 

Erroneous Unpaid Balance Notification : Over a month post the closure confirmation, I received an Unpaid Balance Email ( Attachment 4 ) dated XX/XX/2023, erroneously claiming an outstanding balance of {$170.00}. Subsequent communication with XXXX XXXX customer service acknowledged this error, attributing it to internal miscommunication. 

Unwarranted Debt Collection : Despite assurances from XXXX, I received a debt collection letter from XXXX XXXX, followed by a change in the debt collection agency to Diversified Adjustment Service, Inc ( DASI ), without any justified basis. These actions are documented in Attachments 5 and 7, respectively. 

The continued mishandling of my account and the unwarranted debt collection attempts have unfairly impacted my credit score, thereby potentially inflating my future financial liabilities, notably affecting my current plans for a house purchase. The lack of accountability and rectification from XXXX XXXX compels me to seek intervention from the CFPB to address these grievances and to hold XXXX accountable for the resultant financial and personal stress. 
Attachments For Reference : 1. Account Opening Attempt Email - Dated XX/XX/2023 2. Account Activation Request Email - Dated XX/XX/2023 3. Account Closing Email - Dated XX/XX/2023 4. Unpaid Balance Email - Dated XX/XX/2023 5. Debt Collection Letter from XXXX XXXX - Dated XX/XX/2023 6. Previous Complaint with CFPB - Submitted on XX/XX/2023 7. DASI Debt Collection Email

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: TX

Complaint narrative:
Requesting that all 3 CBs suppress reporting of XXXX XXXX tradeline. 

Factual evidence that XXXX violated MLA and EFTA AND continues to violate FCRA exist.

This is most notably in CFPB consent order whereas XXXX paid millions as a sanction for said violations. 

Allowing any creditor to report a debt which in itself is invalid, is a violation of consumer FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Credit Inquiries : XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: CA

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 2024-03-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
National Credit Systems INC I have received all of the documents from National Credit Systems INC regarding an account that has shown up on my credit report. 

Attached are discrepancies supporting my observations. 

In accordance with the Fair Credit Reporting Act ( FCRA ), consumers have the right to review their credit reports transparently, protecting them from inaccurate reporting and unfair debt collection practices. 

XXXX. Discrepancy in Dates : Conflicting dates between the Security Deposit statement and the signed Apartment Lease agreement raise doubts and may violate consumer protection laws such as the Fair Debt Collection Practices Act ( FDCPA ) and FCRA. Clarification is necessary for fair treatment.

2. Discrepancy in Amount : National Credit Systems provided inaccurate debt information, potentially violating the FDCPA. Fees imposed should be lawful and disclosed, as per Section 808 of the FDCPA. The discrepancy in charges must be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc
State: CA

Complaint narrative:
In XXXX said company is providing personal information from nearly 15 years ago and using the courts as a scapegoat for the background check. Courts are courts but this company is not a government entity and its providing information from as early as XXXX to new companies and they see no problem with it. 

After chatting with a person about the matter of providing inaccurate information partly because I moved to a different county, and the new county re-filed a case with a new start date but the reporting company doesn't understand its part of the same issue from nearly 15 years ago. Personal data is just that, personal and its not permitted to share items that are old and out of date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Again raising concern that I had many issues with XXXX advance services. I requested USAA stop payment and it didnt work. 

I was then misinformed by USAA representative that the dispute credit wouldnt be reversed- this was wrong and resulted in financial hardship. 

I provided screenshots of said communication, filed concerns with CFPB and XXXX- this only Yielded more assertive response by USAA XXXX  team and notice that further action to reinstate old CC debt reporting. 

I guess Im now waiting for {$760.00} to be deducted from my checking account. 

I believe USAA does in fact handle concerns with bias based on rank and grade or military affiliation. Id like records of what investigation into my concerns actually looked like.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Requesting that all 3 CBs suppress reporting of XXXX XXXX tradeline. 

Factual evidence that XXXX violated MLA and EFTA AND continues to violate FCRA exist.

This is most notably in CFPB consent order whereas XXXX paid millions as a sanction for said violations. 

Allowing any creditor to report a debt which in itself is invalid, is a violation of consumer 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 non-monetary relief
Consumer complaint received 2024-03-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Requesting that all 3 CBs suppress reporting of XXXX XXXX tradeline. 

Factual evidence that XXXX violated MLA and EFTA AND continues to violate FCRA exist. 

This is most notably in CFPB consent order whereas XXXX paid millions as a sanction for said violations. 

Allowing any creditor to report a debt which in itself is invalid, is a violation of consumer 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 2024-03-13 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: NC

Complaint narrative:
in the past i've been the victim of fraud and identity theft. I've sent multiple police reports and multiple ftc reports to XXXX to have hard inquiries removed. about a month ago I requested to have all of them removed and they are still reporting on my credit file

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 2024-03-13 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: WA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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