vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 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: VA

Complaint narrative:
On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX, XXXX XXXX regarding several unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place between XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and raised questions about the accuracy of the entity names listed on my report. 
In my complaint, I highlighted the critical importance of protecting personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the severity of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and help others who may encounter similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the collection account reported by XXXX XXXX XXXX  for {$930.00} on my credit report. This account is being reported without proper validation or assignment documentation, which is a violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

XXXX. **Lack of Debt Validation** Under **15 U.S.C. 1692g** of the FDCPA, a debt collector is required to provide a validation notice within five days of their initial communication. This notice must include information about the debt, such as the amount owed, the name of the original creditor, and a statement of my rights to dispute the debt. To date, I have not received any such notice, nor have I received any evidence that verifies this debt. 

XXXX. **Lack of Assignment Contract** Furthermore, I have not been provided with any assignment contract that shows XXXX XXXX XXXX has the legal right to collect on this debt. Without this documentation, the collection agency can not legally pursue this debt or report it to the credit bureaus.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the collection account reported by XXXX XXXX service for {$930.00} on my credit report. This account is being reported without proper validation or assignment documentation, which is a violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

XXXX. **Lack of Debt Validation** Under XXXX15 U.S.C. 1692gXXXX of the FDCPA, a debt collector is required to provide a validation notice within five days of their initial communication. This notice must include information about the debt, such as the amount owed, the name of the original creditor, and a statement of my rights to dispute the debt. To date, I have not received any such notice, nor have I received any evidence that verifies this debt. 

XXXXXXXX XXXXLack of Assignment ContractXXXX  Furthermore, I have not been provided with any assignment contract that shows XXXX XXXX XXXX has the legal right to collect on this debt. Without this documentation, the collection agency can not legally pursue this debt or report it to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: MD

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. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 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 2024-08-17 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: LEXISNEXIS
State: NJ

Complaint narrative:
I am writing to formally dispute and demand the immediate deletion of a bankruptcy entry on my credit report, which I believe has been recorded in violation of federal law. Specifically, the reporting of this bankruptcy is in violation of the following statutes under the Fair Credit Reporting Act ( FCRA ) : Violation of 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : The aforementioned statute outlines the specific permissible purposes for which a consumer report may be accessed and reported. My bankruptcy record was included on my credit report without my explicit consent or any permissible purpose as defined by the statute. There was no authorized or legitimate reason for this information to be accessed or reported without my prior written consent.

Violation of 15 U.S. Code 1681q - Obtaining Information Under False Pretenses : It is my belief that my consumer report was accessed under false pretenses, without my knowledge or authorization. The inclusion of the bankruptcy on my report, without my written consent, suggests that the reporting agency or other entities involved may have obtained this information illegally.

Violation of 15 U.S. Code 1681c-2 - Block of Information Resulting from Identity Theft : Furthermore, I have reason to believe that the inclusion of this bankruptcy record may be a result of identity theft or unauthorized access. This statute mandates the blocking of information on consumer reports that are a result of identity theft. I demand that this information be blocked and permanently removed from my credit report.

The presence of this bankruptcy on my credit report is causing significant harm to my financial well-being and reputation. I demand that this record be deleted immediately from my credit report and that I receive written confirmation of this action within 30 days from the date of this letter. 

Additionally, I request that the CFPB investigate this matter thoroughly to determine whether there has been any illegal activity or violation of my consumer rights. I expect a prompt response and action to rectify this situation. 

Please consider this letter a formal complaint under the FCRA, and I reserve the right to pursue legal action if this issue is not resolved to my satisfaction. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
My cash app account was compromised on XX/XX/2024 between the hours of XXXX to XXXX. Unauthorized charges totaling {$7400.00} was taken from my account. I have contacted the merchant where the charges were being paid to. i sent all the information which includes a list of all the transactions and the bank statement. I forward their email to Cash App for additional information that i was unable to provide. I still have not heard from Cash App nor XXXX. 
This have caused me a hardship financially and i had to borrow money to make up for the loss. 
Please investigate this issue and let me know if additional information is needed. 
thank you XXXX XXXX My cash app hastag is $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
So on XX/XX/2024, he says, Im the highest person youre gon na get when it comes to speaking to a manager. Shame on the lady who clearly lied to me when she said that I would have a good rapport with their bank because it happens frequently, and they have to understand our economy is failing by the day, by the hour, by the minute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i noticed continued same banks inquiry XXXX  XXXX  XXXX  on XXXX, and again on XXXX XXXX, and again on XXXXXXXX XXXX, and again on XXXX from XXXX these are fraud and not authorized by me please investigate and remove

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 2024-08-17 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: PA

Complaint narrative:
i noticed continued same banks inquiry XXXX  XXXX XXXX on XXXX, and again on XXXX XXXX, and again on XXXXXXXX XXXX  and again on XXXX from XXXX these are fraud and not authorized by me please investigate and remove

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Email : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Consumer XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Dispute of Fraudulent Accounts and Inquiries - Identity Theft Dear XXXX, Experian, and XXXX, XXXX am writing to dispute the following fraudulent accounts and inquiries that appear on my credit report. These accounts and inquiries were opened or initiated without my knowledge or consent and are the result of identity theft. 

FTC Identity Theft Report Number : XXXX Fraudulent Accounts : Company/Organization : XXXX XXXX  Account Number : XXXX Company/Organization : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Company/Organization : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Numbers : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Company/Organization XXXX XXXX XXXX Account Number : XXXX Company/Organization : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX, XXXX Company/Organization : XXXX XXXX XXXX Account XXXX XXXX XXXX Company/Organization : XXXX Account Number : XXXX Company/Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Company/Organization : XXXX XXXX Account Number : XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX XXXX ) CAPITAL XXXX XXXX XXXX XXXX XXXX I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which mandates that credit bureaus must block the reporting of information resulting from identity theft within four business days upon receiving the necessary documentation. 

In accordance with 15 U.S.C. 1681i, I request that you conduct an immediate investigation into these disputed accounts and inquiries. You are legally required to complete this investigation within 30 days and remove any inaccurate or fraudulent information. 

Attached is a copy of my FTC Identity Theft Report, a copy of my government-issued ID, and any other relevant documents to support my claim. 

Please confirm in writing that you have received this dispute and that the fraudulent items have been removed from my credit report, as required by 15 U.S.C. 1681g ( a ) ( XXXX ) of the FCRA. 

Failure to comply with these obligations XXXX result in legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-08-17 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: GA

Complaint narrative:
To whom it may concern, it has come to my attention that there has been a data breach XX/XX/year> where my personal information has been compromised. This stems from the XXXX XXXX case XXXX XXXX v. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Not only is this a direct violation of the XXXX ( XXXX XXXX XXXX XXXX ). According to the FCRA 15 U.S.C. 1681 Congressional findings and statement of purpose all consumer reporting agencies are required to provide confidentiality, accuracy, relevancy, and proper utilization in a fair and equitable manner. My Consumer report has multiple inaccuracies including contact number, confidentiality, accuracy, etc.

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 2024-08-17 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:
To whom it may concern, it has come to my attention that there has been a data breach XX/XX/2024 where my personal information has been compromised. This stems from the XXXX XXXX case XXXX XXXX v. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Not only is this a direct violation of the XXXX  ( XXXX XXXX XXXX XXXX ). According to the FCRA 15 U.S.C. 1681 Congressional findings and statement of purpose all consumer reporting agencies are required to provide confidentiality, accuracy, relevancy, and proper utilization in a fair and equitable manner. My Consumer report has multiple inaccuracies including contact number, confidentiality, accuracy, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
XXXX XXXX is damaging my credit score. Furthermore, they refuse to update their documents to the interest rates aligning with the servicemembers civil relief act. I have written them and made them aware that their calculations are incorrect. They are not willing to settle and continue to try to collect an incorrect and inflated balance from me. Furthermore, I asked for a payment ledger as it pertains to this account, and they were unable to supply me with such documents.

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 monetary relief
Consumer complaint received 2024-08-17 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized inquiries made on my credit report. I have noticed that there are inquiries listed on my report that I did not authorize, and I believe these inquiries are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b.

Details of Unauthorized Inquiries : Inquiry Date ( s ) : [ List the date ( s ) of the unauthorized inquiry/inquiries ] Company/Organization : [ List the name of the company or organization that made the unauthorized inquiry/inquiries ] Credit Reporting Agency : [ Specify the credit reporting agency/ies ( XXXX, Experian, XXXX ) where the inquiries are listed ] Legal Background : Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under certain conditions, such as with the consumer 's written consent or for purposes directly authorized by the consumer. I did not provide my consent for these inquiries, and they do not appear to meet any of the criteria set forth in the law.

Requested Action : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that the unauthorized inquiries are removed from my credit report. Additionally, I would like to request that any entity responsible for these unauthorized inquiries be held accountable for their actions, including any applicable penalties under the law.

Please keep me informed of the progress of your investigation and any actions taken. I am also attaching a copy of my credit report highlighting the unauthorized inquiries for your reference.

Thank you for your attention to this matter. I look forward to your prompt response.

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 2024-08-17 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I informed Chase about an unauthorized {$1000.00} charge that was posted to my account on XX/XX/XXXX. I contacted the merchant about this and I have text messages showing the charge was unauthorized. Chase issued a credit to the account XX/XX/XXXX. Chase recently did an investigation without requesting any of my evidence. The merchant submitted a document claiming the charge was authorized and I asked the merchant to provide this document and they never responded. Chase is verifying a falsified document from the merchant. Chase then reversed the claim on XX/XX/XXXX and said theres nothing they can do to get my money back if the merchant is not giving it back. They said i can go to small claims court. This is ridiculous, I was never notified or alerted of {$1000.00} coming out of my account. How are they able to take an unauthorized {$1000.00} and not give it back. Chase then said I can confront the merchant in person, why would I did that?? The charge was not authorized and I have proof. I uploaded my text messages with the merchant, and am now waiting on a response from Chase Investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: MD

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. 


Account Name : XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: MD

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. 


Account Name : XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks

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