vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 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: GA

Complaint narrative:
My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

ACCOUNT : XXXX, AMOUNT {$1000.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$0.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX AMOUNT {$7900.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$2800.00} XXXX ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$740.00}, ACCT # XXXX ACCOUNT : XXXXXXXX XXXX XXXX, AMOUNT {$890.00} XXXX ACCT XXXX XXXX ACCOUNT : XXXXXXXX XXXX XXXX  AMOUNT {$920.00}, ACCT XXXX XXXX INQUIRIES : XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA. XXXX XXXX XXXX XXXX, XXXX, GA. XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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:
My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

ACCOUNT : XXXX, AMOUNT {$1000.00}, ACCT # XXXX ACCOUNT : XXXX  AMOUNT {$0.00}, ACCT # XXXX ACCOUNT : XXXX  XXXX XXXX, AMOUNT {$7900.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$2800.00} XXXX ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$740.00}, ACCT # XXXX ACCOUNT : XXXXXXXX XXXX XXXXXXXX, AMOUNT {$890.00} XXXX ACCT XXXX XXXX ACCOUNT : XXXXXXXX XXXX XXXX, AMOUNT {$920.00}, ACCT XXXX XXXX INQUIRIES : XX/XX/XXXXXXXX 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 I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.

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 2024-09-18 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: CA

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-09-18 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: LA

Complaint narrative:
I am writing to dispute unauthorized inquiries listed on my credit report. Upon reviewing my credit report, I have identified several inquiries that I did not authorize. The details of these unauthorized inquiries are as follows : 1. Inquiry by [ XXXX XXXX ] on [ XXXX XXXX, XXXX  ] 2. Inquiry by [ XXXX XXXX XXXX ] on [ XXXX XXXX, XXXX  ] 3. Inquiry by [ XXXX XXXX XXXX  ] on [ XXXX XXXX, XXXX  ] 4. Inquiry by [ XXXX XXXX NA ] on [ XX/XX/year> ] I am concerned about the potential impact these unauthorized inquiries may have on my credit score and overall creditworthiness. Therefore, I kindly request that you investigate these inquiries and provide proof of authorization. If you can not provide documentation that verifies my authorization for these inquiries, I ask that they be removed from my credit report immediately. 
Enclosed are copies of my credit report highlighting the unauthorized inquiries for your reference. Please notify me of the outcome of your investigation and any actions taken to resolve this matter. 
Thank you for your prompt attention to this issue. I look forward to your response. 
Sincerely, XXXX 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 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I recently examined my credit report and identified several unauthorized accounts that were added without my awareness.

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 2024-09-18 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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:
XXXX XXXX XXXX XXXX, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than XXXX business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, XXXX XXXX XXXX XXXX Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!

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 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-18 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: MO

Complaint narrative:
These late payments are not reflective of my typical payment pattern.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of XXXX XXXX. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX  XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an XXXX XXXX report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$750.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$260.00}

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
Consumer complaint received 2024-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was denied credit from carecredit multiple times with no explanation

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 2024-09-18 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 2024-09-18 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX  XXXX XXXX Balance : {$1600.00}

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
Consumer complaint received 2024-09-18 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I went into a Chase banking branch ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN, XXXX ) to update my new cell phone number and was assisted by a personal banker. 
Even though I visited a Chase banking branch and was verified with my banking debit card and driver 's license, Chase bank has restricted my access to banking online. 

I have made over five ( five ) calls to their online services and even though I successfully verified myself ( soft pull on my credit file ), I still can not access my account. 

Just a week ago, I received a letter from Chase Fraud prevention and online services advising me to contact them regarding my online access. 

Chase was my bank of choice but now, they are just like any other bank : just pure nonsense! I have taken hours from my job calling and speaking with so many of their Associates and even their supervisors and STILL nothing has changed, I REFUSED to revisit any of their branches or call their online banking again to rectify this mess. 

You have wasted a lot of my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: LA

Complaint narrative:
I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : XXXX. Account Name : XXXX  Account Number : XXXX Reason for Dispute : I did not authorize this account there is no contract baring my wet signature this must be deleted. 
Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 
Please provide the specific details on how the investigation was conducted, including : XXXX. The name, address, and telephone number of the person or entity that verified the information. 
XXXX. The method and sources used for verification. 
I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 
Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: LA

Complaint narrative:
I am writing to dispute unauthorized inquiries listed on my credit report. Upon reviewing my credit report, I have identified several inquiries that I did not authorize. The details of these unauthorized inquiries are as follows : 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  I am concerned about the potential impact these unauthorized inquiries may have on my XXXX XXXX and overall creditworthiness. Therefore, I kindly request that you investigate these inquiries and provide proof of authorization. If you can not provide documentation that verifies my authorization for these inquiries, I ask that they be removed from my credit report immediately. 
Enclosed are copies of my credit report highlighting the unauthorized inquiries for your reference. Please notify me of the outcome of your investigation and any actions taken to resolve this matter. 
Thank you for your prompt attention to this issue. I look forward to your response. Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
The late payment in question appears on my recent credit report and does not reflect the accurate payment history. I request that you review the account records and correct the errors. In accordance with Section XXXX XXXX XXXX of the Fair Credit Billing Act, I am entitled to protection against inaccurate credit reporting and prompt resolution of such disputes. 
Section XXXX XXXX XXXX states : " A creditor may not report a late payment on an account, if the consumer has made all payments due to the creditor on the account within 30 days of the due date. '' Based on this provision, since my payment was made within the XXXX period, I believe that the late payment report is incorrect and should be adjusted accordingly. Please provide written confirmation of the correction once it has been made.

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 2024-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: IN

Complaint narrative:
XXXX Customer service told me that there was no charges on their end at first on XXXX but then said oh it is on XXXX. At XXXX ... XXXX... They can't even get the correct date in their system. 

Puts a hold on your account when accepting the plan and you click to review your order. So then when you go to submit the payment, it creates an error due to it already putting a hold and will not let your purchase go through. You then have to wait XXXX  days!!! For your money to be available! Do not use! Still somehow still is accredited by the XXXX. 
I have to now go and fight my bank to release the holds which is a long and hard process

Company response to consumer: Closed with explanation