vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: IL

Complaint narrative:
To whom it may concern, I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. Upon reviewing my credit file, I noticed the following inquiries that I did not authorize : [ XXXX XXXX ] [ XX/XX/year> ] In accordance with the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 2 ), hard inquiries require express authorization from the consumer. If an inquiry is not authorized or verifiable, it must be removed from my credit report under Section 611 ( a ), which grants me the right to dispute inaccurate or unverifiable information. 

As these inquiries were not authorized by me, I am requesting that you immediately investigate and remove them from my credit report. I have attached a copy of my identification. 

Please be advised that, at this time, I have placed a freeze on my credit to prevent any potential fraudulent activity due to the unauthorized inquiries. I believe this precaution is necessary to protect my credit and personal information while we resolve this issue. 

Please provide me with written confirmation of the removal of these inquiries or, if you believe these inquiries were authorized, provide proof of my consent. Failure to do so within 30 days constitutes a violation of the FCRA and may result in further action. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates to my address above.

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 2025-01-02 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: NY

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a 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 non-monetary relief
Consumer complaint received 2025-01-02 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: NY

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a 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 2025-01-02 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: CT

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was sent {$670.00} on XX/XX/XXXX to my venmo account for a painting service that I had provided a customer. Throughout the day my card worked as it always had before. I used my card and bought food for XXXX XXXX XXXX from multiple different places without issue. Later than night I was about to get some gas for my trip back to XXXX from XXXX, Texas. My brother calls me and asked to borrow some money so I send him {$25.00} on XX/XX/XXXX to his venmo account. He calls me right back and says he needs {$50.00} more so I attempt to send him {$50.00} to the same venmo account that I successfully just sent {$25.00}, and it was denied. I figured because my phone has horrible service that it just lost internet. So attempt to send the money over again, once again denied. Confused and getting frustrated I attempted to send the money a few more times all with the same denial message. So i return to the home page on the venmo app and thats when I seen in red letters underneath my venmo " Your account has been suspended. Refer to email for support. '' So now im stranded in XXXX, almost out of gas and no way of accessing my money or calling for support because it was late and they were closed. All of this happened on the same exact day that I had just received that money. The next day XX/XX/XXXX I got an email from venmo support requiring a copy of my drivers license for verification for whatever reason, considering my identity and tax information have already been verified with proof from my venmo app. I send my license for verification and i dont hear from support all day. So I called venmo support later that day to resolve the issue of my account suspension and was told that there wasnt nothing that they could do to fix the issue, only their " Specialists '' can. So I proceed to ask about contact information for the " Specialists Department '' and they told me that they didnt have a phone number for the department that they can only be contacted through email. I was flabbergasted. I asked for their Specialist Department location, with no response. The " best '' option that I got to resolving the problem was to wait 3 to 5 days for the " Specialists '' to review my license to determine that I am verified ; which I've already been verified ; before I get a decision. Not even a fixed but a decision. Im super frustrated because I literally used the card one day before they locked it on me. I kindly asked the customer service representative if they would close my venmo account and send the remaining monies in a check to the address on file and once again denied that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: MI

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( credit collection serv ) from XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an Auto loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ). 

that appears related to the aforementioned XXXX loan account opened at XXXX XXXX XXXX. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 

I do not recoanize the atorementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the atorementioned accounts. collections. and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-01 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: CA

Complaint narrative:
Your failure to comply with FCRA 15 U.S. Code 1681s2 ( 3 ) is unacceptable. Over 35 days ago, I disputed inaccurate items on my credit report. By law, you are required to mark these items as disputed within 30 days, yet you failed to do so. This has caused me to lose financial opportunities and suffer unnecessary stress due to your negligence. 
The Fair Credit Reporting Act is clear : furnishers of information must include notice of disputes when reporting to credit agencies. Your agency 's failure to follow this requirement violates my rights as a consumer. These inaccurate accounts must be deleted immediately, as your noncompliance has caused harm and defamation.

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 2025-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
I am writing to formally dispute the collection account referenced in your collection agency 's report regarding the alleged debt listed on my credit report. I have recently reviewed my credit report and found an entry that lists Wakefield & Associates as the debt collector for a debt I do not recognize or believe to be valid. The account number for this entry is. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide verification of this debt. Please provide : A copy of the original agreement or contract that establishes I owe the debt. 
Detailed information on the amount owed, including any interest, fees, or other charges. 
Documentation confirming that you are authorized to collect on this debt. 
Until such verification is provided, I request that you refrain from reporting this alleged debt to the credit bureaus and cease collection efforts. If you are unable to provide sufficient verification within the XXXX period as mandated by the FDCPA, I request that you immediately remove this collection entry from my credit report. 

Please respond to this dispute in writing at your earliest convenience. I appreciate your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
ACCOUNT # XXXX These debts youre trying to collect I dont agree with them at all, and I think the amounts youre saying I owe are wrong. Dont bother sending me any proof I'm not interested. I know what's what and showing me proof wont change a thing. If you need to reach me, do it by email only between XXXX am and XXXX pm EST. Dont send any XXXX XXXX XXXX  or courier mail and no phone calls and voicemails because it is just a hassle and inconvenience. Just setting the record straight. ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> -- XX/XX/year> {$6600.00} unauthorized charges to XXXX was made using XXXX XXXX on my phone. At the time of the transaction, my phone was hacked, and I was not in control of my XXXX ID or XXXX XXXX account. This fraudulent charge was made without my authorization. 

I promptly reported the issue to Chase, providing a police report number, evidence of the hack ( e.g., email notifications from XXXX about unauthorized access ), and confirmation that the XXXX account associated with the charge was hacked and I was not in control or using the app. 

Despite providing all necessary documentation, Chase denied my claim, stating " the transaction appeared authorized ''. I believe this decision is unfair and not in line with protections for unauthorized transactions. 

I request that the CFPB assist in resolving this matter by urging CHASE to reconsider my dispute and reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: NC

Complaint narrative:
My information was compromised from a data breach ... XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XX/XX/year> Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX Re : Cease and Desist Request - 15 U.S.C. 1692c Dear Sir/Madam, I am writing to formally request that you immediately cease and desist all communication with me regarding the alleged debt you are attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, I have the right to request that you stop contacting me about this matter.

I do not wish to receive any further communications from Portfolio Recovery Associates, including, but not limited to, phone calls, letters, or any other form of contact. This request is being made in accordance with my rights under federal law, and you are legally obligated to comply.

Please take notice that if you continue to attempt to contact me in any manner after receiving this letter, I will consider this a violation of the Fair Debt Collection Practices Act and may pursue legal action against you for harassment and other potential violations. Further, I will also file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and my states attorney general 's office if necessary. 

This letter does not waive any of my legal rights, nor does it acknowledge the validity of the alleged debt. I also request that you immediately cease reporting any inaccurate or unlawful information regarding this debt to the credit bureaus. 

Please provide written confirmation that you have received and are adhering to this request within 15 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/year>, a {$1000.00} unauthorized charge was made to XXXX using my Discover Card via XXXX. At the time of the transaction, my phone had been hacked, and I was locked out of my XXXX ID and XXXX XXXX accounts. This transaction was made without my knowledge or authorization. 

I promptly reported the fraudulent charge to Discover Card and provided substantial supporting documentation, including : A police report that documents the phone hack and the unauthorized transaction. 
Notifications from XXXX confirming unauthorized access to my XXXX ID and XXXX XXXX. 
Evidence that the XXXX account associated with this charge does not belong to me. 
Despite submitting all required evidence, including the police report, Discover Card denied my dispute, claiming " the transaction appeared authorized ''. This decision is unfair and overlooks clear evidence proving I was a victim of fraud. 

The {$1000.00} charge was unauthorized, and I took immediate action to report it and provide evidence of the hack and fraud. Under consumer protection laws, including the XXXX Credit Billing Act, I am entitled to a reversal of this charge. I request that Discover Card reverse this transaction and refund the amount. 

Desired Resolution : Reverse the {$1000.00} unauthorized charge to XXXX. 
Refund any associated fees or interest applied to my account due to this fraudulent transaction. 
Implement stronger fraud detection and protections for my account to prevent future unauthorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX  issued me a Form 1099-C, signifying the cancellation of debt for my credit card account. The account was opened on XX/XX/XXXX, and closed and charged off in XX/XX/XXXX. The first charge-off was reported in XX/XX/XXXX, with a balance of {$890.00}. The most recent charge-off update was reported in XX/XX/XXXX with XXXX and TransUnion. I filed a dispute with XXXX on XX/XX/XXXX, and received their dispute results on XX/XX/XXXX. XXXX has deleted this account from my credit report as of XX/XX/XXXX, following my dispute. However, XXXX and TransUnion continue to report the account as charged off and update this status monthly, even though the debt was canceled and reported to the IRS as such. This inconsistent reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to consumer reporting agencies must be accurate, complete, and up-to-date.

FCRA 623 ( 15 U.S.C. 1681s-2 ) requires furnishers of information, such as XXXX XXXX  XXXX to not report inaccurate or incomplete information to credit reporting agencies. Reporting the account as " charged off '' monthly after issuing a Form 1099-C indicates inaccurate and incomplete reporting. FCRA 611 ( 15 U.S.C. 1681i ) mandates that credit reporting agencies ( XXXX and TransUnion ) conduct a reasonable investigation of disputed information. My disputes have not been properly investigated, as evidenced by the inconsistent resolution compared to XXXX. FCRA 605 ( 15 U.S.C. 1681c ) states that negative information such as charge-offs must not be re-aged or reported in a way that extends its impact beyond permissible limits. By updating the charge-off monthly, XXXX and TransUnion appear to be unfairly prolonging the accounts negative effect on my credit score. FCRA 602 ( a ) ( 15 U.S.C. 1681 ( a ) ) emphasizes the importance of accurate reporting to ensure fair credit assessments. The failure to align reporting practices across bureaus and the contradiction with the 1099-C issued by XXXX XXXX  undermine this principle.

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: WA

Complaint narrative:
In XX/XX/XXXX, Discover Bank issued me a Form 1099-C, signifying the cancellation of debt for my credit card account. The account was opened on XX/XX/XXXX, and closed and charged off in XX/XX/XXXX. The first charge-off was reported in XX/XX/XXXX, with a balance of {$890.00}. The most recent charge-off update was reported in XX/XX/XXXX with XXXX and XXXX. I filed a dispute with XXXX on XX/XX/XXXX, and received their dispute results on XX/XX/XXXX. XXXX has deleted this account from my credit report as of XX/XX/XXXX, following my dispute. However, XXXX and XXXX continue to report the account as charged off and update this status monthly, even though the debt was canceled and reported to the IRS as such. This inconsistent reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to consumer reporting agencies must be accurate, complete, and up-to-date.

FCRA 623 ( 15 U.S.C. 1681s-2 ) requires furnishers of information, such as XXXX XXXX XXXX to not report inaccurate or incomplete information to credit reporting agencies. Reporting the account as " charged off '' monthly after issuing a Form 1099-C indicates inaccurate and incomplete reporting. FCRA 611 ( 15 U.S.C. 1681i ) mandates that credit reporting agencies ( XXXX and XXXX ) conduct a reasonable investigation of disputed information. My disputes have not been properly investigated, as evidenced by the inconsistent resolution compared to XXXX. FCRA 605 ( 15 U.S.C. 1681c ) states that negative information such as charge-offs must not be re-aged or reported in a way that extends its impact beyond permissible limits. By updating the charge-off monthly, XXXX and XXXX appear to be unfairly prolonging the accounts negative effect on my credit score. FCRA 602 ( a ) ( 15 U.S.C. 1681 ( a ) ) emphasizes the importance of accurate reporting to ensure fair credit assessments. The failure to align reporting practices across bureaus and the contradiction with the 1099-C issued by Discover Bank undermine this principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: MA

Complaint narrative:
My information was apart of the data breach. Please remove these accounts immediately. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX days.

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