vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 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: GA

Complaint narrative:
Hi, I have called equifax several times and I have also sent letters in to remove inquiries that don't belong to me and that aren't attached to an account. I was told that they are valid. I asked for proof and I never got it. I also sent in another several letters and asked if they would please explain how it is me and they don't have a signature. I was told to call the companies and the companies don't have any information. After continously going back and fourth I am now flustered as well as annoyed because they keep adding remarks of disputes that I asked them to remove and I also asked about the inquiries. I was told by the representative that they are removing the comments as well, of court to no avail. I also asked for proof of this bankruptcy and of course they said they gotten it from XXXX XXXX and I asked if they could provide proof of it and of course they didn't but it is still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: IL

Complaint narrative:
In XXXX of XXXX my membership account w/ fraud alerts for the past 4 years was hacked & hijacked from my access even with paid premium features that were to protect and recover this issue. My account sign-in info was changed to an XXXX email address keeping me from logging in and/or changing password to log in. Someone was applying for auto loans daily for a month causing dramatic drops in credit score, then numerous fraudulent entries started showing up on my report including extra ssi numbers, fraudulent addresses, a list of XXXX aliases when I've only used my real name all my life, fraudulent accounts claiming to be in collections when I've had no collections in my name in over 10 years. Each time I dispute this information, it shows back up on my report a couple of months later. Each time I call in, I'm sent on a " transfer cycle '' where I'm transferred back & forth to several depts for hours, then hung up on. Just to have to call in again, and go through the same treatment with nothing being rectified. My accounts that have been connected to XXXX XXXX were disconnected several times causing my score to plummet again, even while I've been working w/ XXXX other companies reporting timely payments to increase my score faster than usual. I've dropped XXXX points just in the past XXXX weeks and no one can expain this repetitive fraudulent activity to me even with fraud alerts, credit freeze, and I mailed/faxed in the police report at the very start of this ever increasing 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 explanation
Consumer complaint received 2024-01-24 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: IL

Complaint narrative:
In XX/XX/2022, my membership account w/ fraud alerts for the past 4 years was hacked & hijacked from my access even with paid premium features that were to protect and recover this issue. My account sign-in info was changed to an XXXX email address keeping me from logging in and/or changing password to log in. Someone was applying for auto loans daily for a month causing dramatic drops in credit score, then numerous fraudulent entries started showing up on my report including extra ssi numbers, fraudulent addresses, a list of 15 aliases when I've only used my real name all my life, fraudulent accounts claiming to be in collections when I've had no collections in my name in over 10 years. Each time I dispute this information, it shows back up on my report a couple of months later. Each time I call in, I'm sent on a " transfer cycle '' where I'm transferred back & forth to several depts for hours, then hung up on. Just to have to call in again, and go through the same treatment with nothing being rectified. My accounts that have been connected to XXXX XXXX were disconnected several times causing my score to plummet again, even while I've been working w/ 3 other companies reporting timely payments to increase my score faster than usual. I've dropped XXXX points just in the past 3 weeks and no one can expain this repetitive fraudulent activity to me even with fraud alerts, credit freeze, and I mailed/faxed in the police report at the very start of this ever increasing identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: GA

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-01-24 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: TN

Complaint narrative:
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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a consumer, I have listed the concerns about Experian 's reporting to my credit profile. I sent Experian my first dispute letter which was received by Experian on XX/XX/XXXX, via certified mail, and the second which was received by Experian on XX/XX/XXXX, via certified mail. My Credit report is not complete nor accurate and Experian has failed to meet applicable standards according to the law that they are required to adhere to by for both FCRAs as well as Metro 2 compliance. My rights are being violated and I am aware that Experian has been sending out form letters in response to my letters which is illegal. Currently, I have no choice but to invoice Experian for violating my consumer rights and for personal damages incurred. I am attaching my invoice to Experian listing the laws that they are in federal violation of and also attaching a copy of my last dispute letter that they have ignored.

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 2024-01-24 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: TX

Complaint narrative:
Subject : Urgent Request for Removal of Unauthorized XXXX XXXX XXXXXXXX Account from Credit Report Dear EQUIFAX, I am writing to bring to your attention a serious breach of privacy and potential identity fraud related to the unauthorized actions taken by XXXX XXXX  XXXX. The details provided below highlight the gravity of the situation and the necessity for immediate corrective action. 

1. Unauthorized Access and Identity Concerns : XXXX XXXX XXXXXXXX accessing my personal information without my consent constitutes a blatant breach of my privacy rights and raises significant concerns about the potential for identity fraud. I request an immediate investigation into this matter to address the unauthorized access and ensure the protection of my sensitive information. 

Relevant Texas-Specific Law Codes : - Texas Business and Commerce Code [ Relevant Section ] : Unauthorized access to consumer information XXXX. Unauthorized Addition to Credit Report : XXXX XXXX XXXXXXXX has added an account to my credit report without my explicit authorization. It is crucial to note that, even in the event of a permissible purpose, the consent of the consumer is mandatory, and in this instance, I have not provided such consent. This unauthorized addition must be rectified promptly by removing XXXX XXXX  XXXX from my credit report. 

Relevant Federal Law Codes : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Unauthorized addition to credit report 3. Lack of Consent for Communication : XXXX XXXX  XXXX has contacted me without seeking my consent to do so. I want to emphasize that I do not wish to engage in any business dealings with XXXX XXXX  XXXX, and I am under no legal obligation to do so. Therefore, any further communication without my explicit consent is unwarranted. 

Relevant Texas-Specific Law Codes : - Texas Business and Commerce Code [ Relevant Section ] : Communication without consent In light of the aforementioned violations and concerns, I demand the following actions : 1. Immediate Removal from Credit Report : XXXX XXXX XXXXXXXX must be promptly removed from my credit report to correct the breach of privacy and unauthorized addition. 

2. Cease and Desist Communication : XXXX XXXX  XXXX is instructed to cease any further communication with me unless explicit consent is obtained. 

Failure to comply with these demands within 15 days from the receipt of this letter may result in legal action, seeking damages and penalties for the violations outlined. 

I urge EQUIFAX to treat this matter with the utmost urgency and undertake the necessary steps to rectify the unauthorized actions of XXXX XXXX  XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BlueChip Financial
State: OH

Complaint narrative:
The loan was funded and I was under the assumption that the payments would be monthly but they were taken on my payday. The money was always taken in the morning, prior to my pay being funded, therefore, causing an overdraft! The next day or a few hours, the company returns the payment causing me higher interest fees. This was done twice before I called the company and asked for an explanation. None of the CSR 's could give me a satisfactory answer, therefore, my financial institution has a " DO NOT PAY '' for this merchant. 

I want to pay this loan off, but the company has fees 400 %, which is " Crazy ''!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
This complaint is in regards to Navy FCU Account # XXXX open XX/XX/2021 according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, i demand to see verifiable proof of contract

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Camino Financial Inc.
State: CA

Complaint narrative:
Camino Financial is supposed to be business lending ; however, they are reporting to my personal credit, making this a consumer matter. On XX/XX/XXXX, I requested a billing error investigation along with a cease & desist on all communication until the results were produced. The letter was sent by certified mail and was signed for by a Camino Financial representative on XX/XX/XXXX. 

According to the Privacy Act of 1974, no transaction history can be reported to credit reporting agencies. Camino Financial is, in fact, reporting monthly payment history, which is defined as transaction history. On top of that, once a billing error investigation has been requested, the company must stop all reporting, collections, and payments until rectified. Due to Camino Financial 's negligence in illegal reporting, I had XXXX credit cards cut their limits by over XXXX XXXX dollars. 

U.S Code 1666 states that all communication outside of billing error information must cease until the investigation has been completed. It is XX/XX/XXXX, and I have not received an email stating an investigation has been started. I have- however, received nine phone calls, seven text messages to my personal cell, and seven emails trying to collect a payment on this account where payments should be halted. This is wanton disregard for the cease and desist letter as well as the USC 1666 requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: MI

Complaint narrative:
This complaint is in regards to XXXX XXXX Account # XXXX open XX/XX/scrub>XX/XX/2021 according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, My rights are in violation due to this negative information reporting 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 2024-01-24 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: MI

Complaint narrative:
my complaint is in regards to an item posting on my credit reporting derogatory as XXXX account # XXXX opened XX/XX/2021 this account reporting negatively is a direct violation of my rights under USC 1681. I never gave consent for my information to be disclosed.

FCRA act section 611 gives me the right to request an explanation of the verification method used on the listed account

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 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Sunday, XX/XX/XXXX - I was trying to purchase XXXX XXXX tickets ( after the concert started ) outside stadium in XXXX, PA. I live in XXXX XXXX, MD. 

I was trying to purchase tickets from an outside vendor ( XXXX ). I had my Chase card linked to XXXX and was trying to use XXXX/Chase to purchase on cellphone. I was repeatedly denied. I had at least three different sets of tickets in the " cart ''. I finally realized my Chase Freedom Visa card was refusing purchase because they thought the charge was fraud ( I guess because of location? ). I switched XXXX XXXX to my XXXX XXXX card and purchase went through seamlessly. The tickets I purchased through XXXX XXXX were {$2300.00}. Keep in mind, each pair of tickets I was trying to purchase was a different price. Demand was high and tickets were rapidly being purchased by others. 

In XXXX, I received a charge for {$2800.00} from Chase that was from XXXX. This was for the concert in XXXX. I was NEVER able to purchase these tickets. I have the cancellation from XXXX and XXXX. They both said purchase was never completed. 

I have been arguing with Chase since this was charged to my account in XXXX. If I look at my Chase disputes, I still have two open cases. When I call to inquire, they say that my dispute has been denied. They claim I received tickets. XXXX has confirmed I only received ONE set ( {$2300.00} amount ). I can not get Chase and XXXX to talk to each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: MI

Complaint narrative:
This complaint is in regards to XXXX XXXX Account XXXX XXXXXXXX open XXXX according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, i demand to see verifiable proof of contract

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 2024-01-24 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: MI

Complaint narrative:
This complaint is in regards to XXXX XXXX Account XXXX XXXXXXXX open XX/XX/XXXX according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, i demand to see verifiable proof of contract

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