vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX ancient XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Subject : Dispute of Debt Collection Account Dear Credence Resource Management, I am writing to formally dispute the validity of the debt associated with account number [ insert account number ], which has been placed in your collections. Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request validation of this debt. 
According to 15 U.S.C. 1692g, I request that you provide me with the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A detailed statement of the account, including any interest or fees added.

4. Verification that you are authorized to collect this debt on behalf of the creditor.

5. Copies of any documents that substantiate the debt.

Additionally, I would like to reference the Fair Credit Reporting Act ( FCRA ), which mandates that any reporting of this debt must be accurate and verified. I expect that you will conduct an investigation into this matter and report back to me within the 30-day period as stipulated by the FDCPA.

Please be advised that until this debt is validated, I request that you cease all collection activities and refrain from reporting this debt to any credit reporting agencies, as per 15 U.S.C. 1692c.

I appreciate your prompt attention to this matter. Please send all correspondence regarding this dispute to my address listed above. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: TX

Complaint narrative:
I am writing to request the removal of an unauthorized inquiry from my credit report. I am a victim of a recent data breach, and my personal information has been compromised. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that this fraudulent inquiry be blocked and deleted from my credit report. 
Unauthorized Inquiry XXXX - Inquiry Date : XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: TX

Complaint narrative:
I am writing to request the removal of an unauthorized inquiry from my credit report. I am a victim of a recent data breach, and my personal information has been compromised. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that this fraudulent inquiry be blocked and deleted from my credit report. 
Unauthorized Inquiry XXXX - Inquiry Date : 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 2024-11-02 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: FL

Complaint narrative:
I reported the inaccurate information to the company in question. They mailed me a letter instructing me to complete this form.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: VA

Complaint narrative:
I have reached out to all 3 credit bureaus for the last few years in regard to inaccurate information. I have gotten letters back in the mail stating that my request does not seem to be coming from me. I have taken it a step further this time including my ID and mail to confirm that it is in fact me. I have a lot of hard inquires that were not authorized by me. I also have found a derogatory mark on my public record on all of my reports each with different information. As well as incorrect addresses, phone number, employer, etc. that I asked to be removed.

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 2024-11-02 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: VA

Complaint narrative:
I have reached out to all 3 credit bureaus for the last few years in regard to inaccurate information. I have gotten letters back in the mail stating that my request does not seem to be coming from me. I have taken it a step further this time including my ID and mail to confirm that it is in fact me. I have a lot of hard inquires that were not authorized by me. I also have found a derogatory mark on my public record on all of my reports each with different information. As well as incorrect addresses, phone number, employer, etc. that I asked to be removed.

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 2024-11-02 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I never had contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account I don't agree with the results of your investigation. 


Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 




This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent.

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 2024-11-02 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Verification of Account Validation RE : Follow up I am writing to request further clarification on the validation process for my account referenced as [ XXXX ]. While I acknowledge that the account has been marked as validated, I am formally requesting specific information regarding how this validation was conducted under FCRA 611 ( a ) ( 7 ).

To assist me in understanding the legitimacy of this account, I request the following details : The specific methods and documentation used to validate this account. 
The date of validation and any associated records. 
The name of the original creditor and any third parties involved in the validation process. 
Copies of any relevant documents or statements that support the validation claim. 

Per FCRA you are required to provide this information within 15 days or delete the negative item from my credit report. 

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

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: 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 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 2024-11-02 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: 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 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 2024-11-02 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: MD

Complaint narrative:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

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 2024-11-02 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: MD

Complaint narrative:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

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 2024-11-02 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: IL

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 non-monetary relief
Consumer complaint received 2024-11-02 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: 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 XXXX XXXX XXXX 2024 has violated my rights. 

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 non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/year> I deposited a check for {$2500.00} from a customer for some side work/repairs done at him and his wifes place. I was told it would clear on the XXXX on the Chase mobile app. I tried getting gas on the next day and my account was frozen so I called Chase around XXXXXXXX XXXX immediately afterwards and they responded, your account has been frozen and may be closed due to the system flagging it as potential fraud. I couldnt access any of my money or anything. Waited till the XXXX and my account cleared the check but they still froze my account. Today I called them XX/XX/year> and they put a XXXX debit withdrawal charge for my full account amount and my account is in the process of being shut down. Been on hold from XXXX XXXX XXXX XXXX XXXX and still no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Robinhood financial services restricted my account on XX/XX/year>. I can not trade or access my funds wich are mostly mine! I provided all of the documenttion they asked for, XXXX ) license id. XXXX ) selfie all around face! XXXX ) bank statement. XXXX ) password information. XXXX ) full round of personal contact information! I was fooled that they would clear my account immediately. Now i can't contact them through my account app. they saying this case was closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
**Company Information : ** - **Company Name : ** JPMorgan Chase Bank XXXX JPMCB ) - **Account Number : ** XXXX - **Date of Report : ** XX/XX/year> **Description of Complaint : ** I am filing a formal complaint against JPMCB due to multiple inaccuracies in their reporting regarding my account, which is now closed and charged off. Recently, on XX/XX/year>, JPMCB reported that I am over my credit limit on this account, despite it being closed by the grantor. This misrepresentation has caused significant distress and confusion about my financial status. 

Additionally, JPMCB has reported my account with an incorrect spelling of my name, which is a clear violation of my rights. This error can complicate identity verification and impact my interactions with other creditors. 

I have also disputed these inaccuracies with XXXX, noting over 30 unauthorized soft pull inquiries made by JPMCB without my consent. Such actions not only violate my privacy rights but also suggest a lack of diligence in their reporting processes. 

Moreover, JPMCB has reported active payments on my account for the period of XX/XX/year> to XX/XX/year>, claiming that terms were met, despite my not making any transactions during that time. This reporting is not only inaccurate but misleading, as it implies that I have engaged in financial activity when I have not. 

According to IRS guidelines, even if I did not receive a tax form 1099-C, I am required to report canceled debt as income. This charge-off should be treated as income ; however, the way JPMCB has reported this account is misleading and violates federal regulations. Per 15 USC 1681 S-2, they are prohibited from furnishing inaccurate information to consumer reporting agencies. 

In light of these issues, I am formally requesting that XXXX, XXXX, XXXX, JPMorgan Chase Bank ( JPMCB ) cant provide documentation verifying that these inquiries were authorized by me. Specifically, I request : XXXX. The name and employee number of the individual who authorized these inquiries during their initial investigation. 
XXXX. Documentation supporting the authorization, such as inquiry logs. 
XXXX. A signed application with my wet ink signature. 

If XXXX, XXXX, XXXX, JPMorgan Chase Bank ( JPMCB ) can not provide this documentation, I expect the inquiries to be removed immediately. 

**Impacts of Inaccuracies : ** - **Credit Damage** : My credit score has been adversely affected, making it difficult to secure loans or favorable interest rates. 
- **Emotional Distress** : The confusion and anxiety caused by these inaccuracies have impacted my mental well-being and day-to-day life. 
- **Reputation Harm** : Misrepresentations have led to denied applications and a tarnished reputation with lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: PA

Complaint narrative:
Please view attached as there is information on my report that does not look right. Please verify the reporting of these items

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 2024-11-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello All, These hard inquiries are fraudulent and doesn't belong to me and need to be removed. Please see the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX Thank you, Best Regards XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After the dispute, the company responded as verified with no proof. I request all information pursuant to Rule 1002 on 15 USC 1666b. To which I have received no response. This request was not made frivolously.

I AM ENFORCING MY RIGHT of 15 USC 6802 ( b ) and CFPB 1016.7 TO BLOCK ALL REPORTINGS. Please DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing on my rights.

Company response to consumer: Closed with explanation