vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : [ Todays Date ] TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Unauthorized Inquiries Dispute with FTC Identity Theft Report Dear TransUnion, I am writing to formally dispute the unauthorized inquiries listed on my credit report. These inquiries were made without my consent and are the result of fraudulent activity. As such, they should be removed from my credit file immediately. 

The unauthorized inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries have negatively impacted my credit score, and I request their immediate removal. I have included my FTC Identity Theft Report ( FTC Report ID : [ XXXX ] ) to support this claim. Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ) and remove the fraudulent inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I called Chase Bank because the math wasnt adding up between my pending charges and what was reflecting on the app and I was very confused. I felt like I couldnt get the answers I needed so I did escalate to the supervisor, XXXX. My complaint lies with him because he was extremely rude and it was obvious he didnt care what I had to say and wanted to get me off the phone. We went through the math and it still wasnt adding up for me and I was proceeding to tell him that I think theres an issue with how pending charges are reflected on the app and he needs to escalate this to technical support. I couldnt get that far as he kept cutting me off and interrupting me. I told him he wouldnt let me talk and he said its because there was a delay but I was in the middle of my sentence. He wouldnt hear any of it and ended up hanging up on me. I am going to be closing my account because of this experience. XXXX needs some coaching on what it means to be a supervisor in customer service because this wasnt it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC
State: FL

Complaint narrative:
As of XXXX. Selene Finance LLP has continued to conduct fraudulent activity on my account. I was warned to expedite all payments upon the completion of my loan. Selene Finance has continued to charge me a monthly fee for a balance of XXXX $ dollars. I have requested a meeting and correspondence. Selene Finance is not willing to comply to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I cancelled my tv subscription with XXXX XXXX XXXX. ( my account XXXX ) followed their instruction about returning equipment. On XX/XX/year> I got a confirmation email that the equipment i returned was received by them. However weeks later i started to get phone calls saying I owed the companies because i did not returned the equipment. 
I kept explaining that I returned but nobody was able to help. Many times it was me that tried to contact them to solve the issue by always got unhelpful answers. 
It is interesting to note that along the many phone contacts I had with company 's associates I got different stories about why I owe them. Some told me that I did not returned equipment, others that the equipment was defective ( which is not because I just unplugged while working and returned it ), and other that I dint pay my last bill ( even when I had autopayment ). 
Now I got a letter from a collections company saying I owe {$130.00}. I contacted them to explain why I owe and they say because XXXX XXXX XXXX put me in collection because I did not returned equipment. They insisted that I owe and that I can settle for {$100.00} The collection Company is I.C. Systems IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone XXXX XXXX XXXX Reference number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: WA

Complaint narrative:
someone withdrew money from my account from an atm at a XXXX without my card or phone being present. they withdrew my money and i did not lose my debit card or phone and i did not give out my information to anyone. the fraudster used a contactless atm at XXXX and did did not need a physical card to take my money from my account. the card company denied my dispute to get my money back that the person stole out of my account. i want my money back. Cash app was the card company. XXXX ( adress unknown ) was where my money was withdrawn out of their atm for an amount of {$200.00}. The fraudster checked my account from this atm and then withdrew my funds. I do not know how they got all my information. I did not make this transaction. I was notified via text message to my phone number XXXX of an account balance notification and followed by a withdraw from a atm in the amount of the money in my account. I was at home in bed when these transacrtions at a XXXX were made. Cash app denied my claim, stating there was no issue with the transactions. I called their customer service and asked them where the atm was located that my money was illegal taken from and they told me they had no adress and they have no way of finding out where the money was taken from all they had was a store name. I went on my phone account after they denied my claim for fraud and unauthorized use and they had removed from my statements what store the withdraw was taken from. it no longer stated XXXX as it previously did. I asked customer service why they removed the store name and they stated they did not have an answer for my questions. I did not make these transactions and i want the money that was stolen out of my account back,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My identity was stolen by my ex-fianc after a difficult situation involving my kids. After we broke up, she retaliated by using my information to open credit cards and other accounts in my name. I've already filed a police report, but I want to resolve this with the Creditors who are unlawfully reporting this debt on my credit. I am not liable for any of this fraudulent debt, and I need assistance in addressing this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I noticed multiple unauthorized and incorrect accounts on my most recent credit report. Please take action to block and remove these fraudulent entries right away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not authorize these activities, and I've taken steps to address the issue, including filing a report with the Federal Trade Commission ( FTC ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXXXXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payments were made on time, as evidenced by my bank statements and payment confirmations, which clearly show the payment was processed before the due date. These payments should not have been marked as late. 
Bank Processing Error : There was an internal error at XXXXXXXX XXXX that delayed the application of my timely payment. The error caused the payment to reflect as late in the system, even though I had sent the funds on time. I have attached communication records with XXXXXXXX XXXX acknowledging this error and confirming that the payment was received. 
Misapplied Payments : The payments were incorrectly applied to the wrong account due to a clerical error. I contacted XXXXXXXX XXXX immediately when I noticed the issue, and they confirmed the error. However, the late payment entries were not corrected in my credit report despite the banks acknowledgment of the mistake. I am attaching documentation of my communication with XXXXXXXX XXXX as further evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
i pulled my report and saw fraudulent inquiries PLEASE REMOVE ALL THIS INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion reported an account that has been closed since XX/XX/XXXX. Upon disputing that account several times they have failed to remove the account that took my score from fair to below average. The account in question is XXXX XXXX whom have provided me with a direct line and extension to be contacted and give to Transunion along with a confirmation. 
Confirmation code : XXXX Ext : XXXX Amount settled XXXX Transunion has been notified by me and the debt collector and has failed to fix this problem and or in violation of fair reporting act. Please remove this issue immediately as follows : XXXX XXXXXXXX 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 2024-10-14 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: FL

Complaint narrative:
I recently reviewed a copy of 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 cfpb

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: FL

Complaint narrative:
I recently reviewed a copy of 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 cfpb

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: NY

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report. Specifically, the following items are incorrect and are affecting my credit score negatively : ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$25000.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

ACCOUNT NAME : XXXX Card Services ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$25000.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$20000.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

ACCOUNT NAME : XXXX XXXX  Services ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$32000.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

COLLECTIONS ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : # # # # # # # XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE : {$18000.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

INQUIRIES EQUIFAX ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX These items are either reported incorrectly or have already been resolved, and I ask that you investigate and correct them. I recently checked my credit report and saw that these items are only listed on my Equifax account, not on XXXX. I've already reached out to the credit reporting agency and the data furnisher, but the issue is still unresolved. Please look into this matter quickly and update my credit report with accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
Im filling this complaint due to a debt not owed I worked for the company XXXX XXXX for 1 year to get my commercial driver licence and they say I didnt and took out a collection on me and sold it when I didnt sign any contract or paper work stating they could do that I fulfilled their terms for the 1 year with them and they took out the debt this company has done this thousands of times to people already and have been sued many times about this issue I would like it removed off my credit report so I can buy a house

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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:
I am writing to formally dispute inaccurate and incomplete information on my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ). After a thorough review of my report dated XX/XX/year>, I have identified several discrepancies and accounts that I do not recognize. Per Section 611 of the FCRA ( 15 U.S.C. 1681i ), I request that you promptly investigate these items and either correct or remove them from my report.

The FCRA mandates that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy in consumer reports ( 15 U.S.C. 1681e ( b ) ). Additionally, 15 U.S.C. 1681s-2 requires information providers to avoid reporting data they know, or have reasonable cause to believe, is inaccurate. This regulation further obliges consumer reporting agencies to promptly delete or modify any information found to be inaccurate or incomplete following a consumer dispute. 

Below are the accounts I am disputing, as they are either incomplete, inaccurate, or not mine : Accounts to be Investigated : XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX  Equifax XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Equifax : [ not listed ] XXXX : [ not listed XXXX XXXX : XXXX I request that you promptly investigate these inaccuracies and provide me with a written response outlining the results of your investigation. Upon resolution, please send me an updated copy of my credit report reflecting the corrected information. 

Thank you for your prompt attention to this matter. Should you require any further information from me to assist in your investigation, please feel free to reach out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
They are in violation of 15 USC 1681, AND 15 USC 1681S-2. Also, an agreement was made and not carried out. They also repossessed my vehicle, sold it, and they're still reporting the total owed since the beginning, to the Bureaus. They have me as the co-signer and my mom as the main signer, which is wrong They are also requesting, by harassing the both of us to pay.

Company response to consumer: Closed with explanation