vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 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: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of the information reported by your company on my credit report. Specifically, I recently received a redacted sale agreement that fails to provide sufficient details to validate the debt, as required by the Fair Credit Reporting Act ( FCRA ). 

Pursuant to the FCRA, I am requesting that you provide full and detailed verification of the debt in question. This includes : A complete and unredacted copy of the sale agreement and any accompanying assignment contracts that show the chain of ownership and the authority to collect this debt. 
Documentation demonstrating that the debt is valid and that I am the correct debtor. 
Proof that your company has the legal authority to report this debt to the credit reporting agencies. 
Under the FCRA, you are required to investigate my dispute and provide me with the requested information within 30 days. If you are unable to provide proper verification, you must cease reporting this debt and inform the credit reporting agencies to remove or correct the inaccurate information. 

Please be advised that failure to comply with these requirements may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action to enforce my rights under the FCRA. 

I look forward to your prompt response and the necessary documentation to resolve this matter. If you have any questions or require additional information from me, feel free to contact me at the phone number or email address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please DELETE the items, or inaccurate information, from my file immediately & send me the results to the address. XXXXXXXX XXXX XXXX XXXXXXXX account XXXX please DELETE this!!! 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 2024-11-04 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.. XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cell # XXXXXXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information in Credit Report Dear Equifax I am writing to dispute the following information in my credit report. I have reviewed my credit report and found that it contains inaccurate information regarding a collection/charge-off account. I am requesting that this information be removed under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), 15 U.S. Code 1681s-2, and 15 U.S. Code 1681i ( a ) ( 5 ). Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Reason for Dispute : The information reported is inaccurate and does not comply with the requirements set forth in the FCRA. According to 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information. Additionally, 15 U.S. Code 1681s-2 ( a ) outlines the responsibilities of furnishers of information to provide accurate information. Furthermore, 15 U.S. Code 1681i ( a ) ( 5 ) requires the deletion or modification of information that can not be verified. I have enclosed copies of the following documents to support my dispute : copy of your credit report page with the disputed item. 
Please conduct a thorough investigation of this matter and remove the inaccurate information from my credit report. I request that you provide me with a written statement confirming the deletion or correction of this information. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX : CFBP, Equifax Information Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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 noticed errors on my credit report under 15 USC 1681b ( c ) ( 2 ) in the form of unauthorized inquiries impacting my credit. Please delete them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: GA

Complaint narrative:
This letter serves as a final demand for the immediate removal of unauthorized hard inquiries from my credit report, as outlined in my previous communication. I have thoroughly reviewed my report and identified several inquiries that were made without my authorization or explicit consent, which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit score and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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:
As I was going through my credit profile I noticed I had some inquiries that do not belong to me.

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 2024-11-04 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: TX

Complaint narrative:
I recently reviewed a copy on my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
A buyer sent funds through XXXX XXXXXXXX XXXX XXXXXXXX, which should offer the buyer no protection on XX/XX/year>. 

Buyer claimed item not received and did a chargeback through XXXX on XX/XX/year>. XXXX created a negative balance on my end. 

Provided evidence contradicting buyer 's position including proof of delivery on XX/XX/year> ( backup attached ). 

Buyer reversed the chargeback on XX/XX/year> ( guilty conscience? ), effectively giving XXXX the funds again ( backup attached ). 

XXXX with XXXX on XX/XX/year>, they state it will take up to 75 days to process the chargeback and that I should pay XXXX to cover the negative balance on my end. 

XXXX effectively ignored all evidence that leads to scamming and even though the scammer reversed, they still demand seller pay the negative balance. XXXX is effectively double dipping hoping to collect from buyer AND seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: FL

Complaint narrative:
Ive noted unauthorized hard inquiries on my credit report under 15 USC 1681b ( c ) ( 2 ), negatively impacting my credit. Please remove them. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
We have been loyal Chase customers for years now and always pay our balance in full each month so as not to accrue interest. We were offered a {$15000.00} " balance transfer '' offer at 0 % for 10 months. We spoke with a rep at Chase Bank on XX/XX/year> who said that if we take the offer, our card would work the same as it does now and then we would have a separate section of the site to pay toward our {$15000.00} balance. That offer was authorized over the phone on the same on day on XX/XX/year>. Instead, the balance transfer balance was lumped into our total card balance. Today, XX/XX/year>, a supervisor at Chase has told us that since we accepted the balance transfer offer we have now foregone our 21-day grace period to pay our normal credit card purchases without accruing interest. This was never explained over the phone, nor was it in any written communication that we received about the balance transfer offer. We did not receive any written communication about the balance transfer offer until XX/XX/year>. The document provided was a 1-page document that makes no mention of a loss of the grace period. After having our case escalated to a manager and explaining that there was no mention of these terms, the manager at Chase bank hung up on us. This offer was used as a way for Chase to claim that they now have the right to charge us daily interest on our normal credit card purchases even if they're paid by the statement due date. The expense for our wedding caterer went on the card for the billing cycle in question. Chase is now trying to charge us interest on major expenses when these terms were never disclosed anywhere in their fine print or over the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-04 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:
Request for Blocking and Deletion of Accounts Due to Data Breach Dear Experian Team, I am writing to formally request the blocking and deletion of all accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  associated with my personal information due to the recent data breach, pursuant to 15 USC 1681c-2 ( a ). As a victim of this breach, I am concerned about the potential misuse of my information and request that you take immediate action to ensure my accounts are secured. Please provide me with confirmation of the actions taken in response to this request. Thank you for your attention

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 2024-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
Paid a collection account showing in credit. 

Contacted Paramount Recovery Systems to make a payment, account was settle & closed. 
I requested a letter to be sent to me via email and was told will take 24 to 72 hours to receive letter and I have not received request. I called them few times already and they continue saying they will email and no response. 

Payment was made on XX/XX/year> Account # XXXX Ref # XXXX XXXX settle {$940.00} of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: TX

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Cell # XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear XXXX I am writing to dispute the following information in my credit report. I have reviewed my credit report and found that it contains inaccurate information regarding a collection/charge-off account. I am requesting that this information be removed under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), 15 U.S. Code 1681s-2, and 15 U.S. Code 1681i ( a ) ( 5 ). Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason for Dispute : The information reported is inaccurate and does not comply with the requirements set forth in the FCRA. According to 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information. Additionally, 15 U.S. Code 1681s-2 ( a ) outlines the responsibilities of furnishers of information to provide accurate information. Furthermore, 15 U.S. Code 1681i ( a ) ( 5 ) requires the deletion or modification of information that can not be verified. I have enclosed copies of the following documents to support my dispute : copy of your credit report page with the disputed item. 
Please conduct a thorough investigation of this matter and remove the inaccurate information from my credit report. I request that you provide me with a written statement confirming the deletion or correction of this information. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC Consumer Dispute Center 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 non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Cell # XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear XXXX I am writing to dispute the following information in my credit report. I have reviewed my credit report and found that it contains inaccurate information regarding a collection/charge-off account. I am requesting that this information be removed under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), 15 U.S. Code 1681s-2, and 15 U.S. Code 1681i ( a ) ( 5 ). Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason for Dispute : The information reported is inaccurate and does not comply with the requirements set forth in the FCRA. According to 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information. Additionally, 15 U.S. Code 1681s-2 ( a ) outlines the responsibilities of furnishers of information to provide accurate information. Furthermore, 15 U.S. Code 1681i ( a ) ( 5 ) requires the deletion or modification of information that can not be verified. I have enclosed copies of the following documents to support my dispute : copy of your credit report page with the disputed item. 
Please conduct a thorough investigation of this matter and remove the inaccurate information from my credit report. I request that you provide me with a written statement confirming the deletion or correction of this information. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-11-04 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: TX

Complaint narrative:
Never got proof that the accounts belong to me, and never got a reason why my reports shows multiple inquires on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
Never got proof that the accounts belong to me, and never got a reason why my reports shows multiple inquires on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
MY CAR WAS STOLEN WITH ALL OF MY PERSONAL ITEMS INSIDE, MY PHONE, MY DEBIT CARDS, MY DRIVERS LICENSE, IMPORTANT PAPERWORK. A POLICE REPORT WAS FILED WHICH I OFFERED TO THE COMPANY ON MORE THAN ONE OCCASION. THE THIEF ACCESSED MY PHONE WHICH WAS A NEW PHONE SO THERE WAS NO LOCK FEATURE ENABLED ON THE PHONE, BUT DID HAVE MY PIN SET UP ON MY ACCOUNT. OBVIOUSLY THE THIEF WAS ABLE TO FIGURE OUT MY PIN NUMBER SINCE HE HAD ALL MY PERSONAL INFORMATION, THEN HE TRANSFERED MY MONEY TO HIMSELF. 1 TRANSACTION FOR {$4.00} AND 1 TRANSACTION FOR {$730.00}. THE COMPANY SAYS THAT SINCE MY PIN WAS USED MY DISPUTE WAS DENIED AND SINCE I KEPT DISPUTING THE FACT THAT I WAS IN THE RIGHT THEY CLOSED MY ACCOUNT. THEY ALSO STILL HAVE MY FEW CENTS THAT WAS IN MY ACCOUNT AND THEY HAD THE MONEY THAT WAS IN MY KIDS ACCOUNTS. PLEASE HELP ME

Company response to consumer: Closed with explanation