vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 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: U.S. BANCORP
State: CA

Complaint narrative:
I received a bunch of denials from Pre-Qualification Inquiries that I did not do. From XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and US Bank. I received these notices beginning of 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 2024-10-04 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: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
We have XXXX disputed charges that resulted from a series of confused and unfortunate circumstances. All of the charges, credits, and disputes are fully documented in a 43 page account history and reporting of such that have been sent into Chase on no less than 4 attempts. 
There are XXXX challenged transactions that we have paid amounting to {$7200.00} at issue, in XXXX challenged transactions, had been paid to XXXX per Chase. To this point, XXXX has claimed that it never received the {$7200.00} at issue from Chase, and Chase has claimed that it in fact paid the {$7200.00} at issue. Further XXXX supplied our legal counsel with records to show what they received from Chase and more importantly, what was NEVER received from Chase. Chase can not and will not supply us with any proof they paid XXXX. 
there is no doubt that the {$7200.00} at issue has been billed to us ( and paid in full ) through our Chase account, and that we have been made responsible for the {$7200.00} at issue, through XXXX separate transactions, that XXXX claims never to have received from Chase. From our aspect, resolution is simple : Chase needs to immediately reimburse us the {$7200.00} at issue, and Chase and XXXX need to account and determine, between them, and provide detailed accounting for the same, as to just what occurred. Prior to higher legal counsel We have attempted to accomplish the same on our own totally 30-40 hours of calls, providing documentation and continued to receive the complete run around by Chase. To no avail, we have further attempted to turn the matter over to legal counsel of which Chase would not acknowledge our attorney, nor would they engage in any attempt to resolve this on our behalf. EVEN AFTER we conducted XXXX separate conference calls with our attorney on the phone line. We keep getting the same letters indicating the matter is closed. 
Chase is on notice that we will also anticipate the full reimbursement of legal fees and costs in resolving this matter thus, time is of the essence, as the faster this matter is resolved, and the time thus involved, will limit Chase 's expected reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: CA

Complaint narrative:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again.

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-04 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: CA

Complaint narrative:
I received a bunch of denials from Pre-Qualification Inquiries that I did not do. From XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. I received these notices beginning of 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 2024-10-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a bunch of denials from Pre-Qualification Inquiries that I did not do. From XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received these notices beginning of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: NM

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX  XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NM, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, MN, XXXX, XXXX XXXX XXXX, XXXX, TX, 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 2024-10-04 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: NM

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX  XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM, XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, MN, XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc
State: MS

Complaint narrative:
I got a loan with chime financial for XXXX in XXXX of XXXX. It was a 3 month payoff agreement. Consisting of XXXX per month ending in XXXX of XXXX. I paid two payments as agreed and was delinquent up until XX/XX/XXXX in which paid off the remaining XXXX. They have let this remain on my credit report as if I never paid it off and reporting me late after the loan was paid in full. I have XXXX several time since then but they information is coming back accurate as if I never paid it off. I dispute with XXXX  one and time was deleted because it was verified that the debt was paid. I have to someone at chime financial and they have told me that it was paid but it is still on my credit report and was flagged as collections on XXXX  since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 

XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: MD

Complaint narrative:
these inquires were unauthorized and Im a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: MD

Complaint narrative:
these inquiries were unauthorized and Im a victim of identity theft. 
XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

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 2024-10-04 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: MD

Complaint narrative:
these inquiries were unauthorized and Im a victim of identity theft. 
XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-10-04 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:
I am filing this complaint against Equifax regarding the mishandling of my student loan accounts, referencing complaint XXXX. Equifax removed 13 student loan accounts after I requested that their status be updated from indeterminate to open. Equifax was already in violation for initially changing the status to indeterminate, but to completely remove the accounts after being informed that they are open is absurd and negligent. 

XXXX and XXXX continue to report these accounts as open, which is accurate. Therefore, I am perplexed and concerned as to why Equifax is furnishing inaccurate information. 

I am requesting that Equifax immediately update the status of these accounts to " open '' to reflect the correct information. Furthermore, I am filing this complaint seeking relief and monetary damages under FCRA Sections 616 and 617 for willful and negligent violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Self Financial Inc.
State: GA

Complaint narrative:
I am disputing this account for the following reason : the debt was reportedly charged off, but l have not received a 1099-C form from the creditor, as required by the IRS for debt forgiveness or cancellation over {$600.00}. The failure to issue a 1099-C form calls into question the validity of the charge-off and whether the debt has truly been forgiven or canceled.

Without receiving the 1099-C, I have no confirmation that the creditor has officially canceled the debt, nor has this debt been properly accounted for as income on my tax return. Therefore, I believe the current status of the account on my credit report is inaccurate.

To support my claim, I am requesting that this debt be verified under the guidelines of the FCRA, and that you obtain verification from the creditor regarding the issuance of a 1099-C form. If the creditor is unable to provide evidence that this debt was legally canceled and reported to the IRS, I request that the charge-off be removed from my credit report. 1681 ( e ) ( b ) a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reporting relates

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: SC

Complaint narrative:
I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-04 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: NY

Complaint narrative:
I am writing to dispute unauthorized hard inquiries on my credit report from your agency and formally request that these inaccurate items be removed immediately, per my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I did not authorize the following hard inquiries to be made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FCRA, credit inquiries from companies that I did not grant permission to are inaccurate items that must be removed from my credit report. These unauthorized hard inquiries are a violation of the Fair Debt Collection Practices Act ( FDCPA ) as well.

I am enclosing supporting documentation highlighting the inquiries I am formally disputing. A copy of my state-issued ID is also included to verify my identity.

I demand that your agency investigate these unauthorized hard inquiries and remove them permanently from my credit report within 30 days, as mandated by the FCRA. Failure to do so may result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Please send a written response explaining your actions once the investigation is complete. Let me know if any other information is required from me regarding this dispute.

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 2024-10-04 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
XX/XX/year> - I called the law office with the Amsher Collection Services collections back to let them know the bill was paid & she said " you spoke to someone else '' & then questioned if I made a complaint ( after I made an initial complaint to cfpb ). XX/XX/year> - over the phone she would not accept my proof of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: NJ

Complaint narrative:
I have reported being a victim of identity theft, and you are required to remove any items that were opened without my knowledge, consent, or authorization within 4 business days. This must be done upon receipt of the following : ( 1 ) proper proof of my identity, ( 2 ) a copy of my identity theft report, ( 3 ) my identification of the fraudulent information, and ( 4 ) my statement confirming that the information does not relate to any transaction I conducted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: NC

Complaint narrative:
This account is reporting twice on my credit report one is reporting good standing and the other one is showing negative missing payments. It is showing incorrect information. I have reached out to them and they have not responded,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These above accounts where involved in identity theft and and not mines I was 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