vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-16 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: CA

Complaint narrative:
I hot an alert on XXXX XXXX and XXXX and XXXX that a apartment has been reporting that I owe them money yet I've never had an apartment before I've tried disputing it and it won't go away. It's XXXX apartments reporting on TransUnion XXXX XXXX for almost XXXX and XXXX XXXX for almost 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 2024-01-16 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: MD

Complaint narrative:
This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
XXXXXXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
3. I have not supplied proof under the doctrine of estoppel by silence XXXX vs. XXXX ( XXXX  ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists. 
XXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, 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 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: NY

Complaint narrative:
XXXX XXXX  XXXX 's mandatory insurance dept 's ENDORSEMENT paperwork said to contact XXXX XXXX. We did and XXXX XXXX REPEATEDLY refused to come to the phone, per his assistant " XXXX ''. The cruelty of having to pay for XXXX XXXX at high rates and not having any claims rep caused endless suffering still today. 

Today, the hot water heater will be replaced for the XXXX time since superstorm XXXX. Per XXXX REQUIREMENTS, the hot water heater and it's housing should have been the first thing repaired and elevated. IT HAS NEVER HAPPENED AND INSTEAD WE ARE FORCED WITH TOTAL ECONOMIC LOSS BY CONSTANT REPAIRS AND REPLACEMENTS AND UNSAFE LIVING CONDITIONS. 

XXXX XXXX XXXX 'S CRUELTY HAS CAUSED XXXX XXXX XXXX TO HOMEOWNERS THAT IS NEVER ENDING.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UPGRADE, INC.
State: CO

Complaint narrative:
On XX/XX/year> @ XXXX, I called upgrade customer service to close my card account ending in XXXX the representative told me that there is a note in my account that the company will not close my credit card account until the balance is at XXXX. I dispute it this and advise the representative that it is my right to close my account, she stated. There is nothing that she can do. I'm requesting assistance with closing this account as it is my right to do so if I no longer want it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: CT

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, Experian, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2024-01-16 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: CT

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2024-01-16 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:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: MD

Complaint narrative:
This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
XXXX XXXX Account Number : XXXX**** Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

3. I have not supplied proof under the doctrine of estoppel by silence Engelhardt vs. Gravens ( mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists. 
XXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

4. The following personal information is incorrect Account Number : Name : XXXX XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Credit Acceptance Corp XXXX - closed account XX/XX/XXXX XXXX - open account original balance - {$7200.00} past due {$9200.00} - date open XXXXXXXX status update XXXX XXXXXXXX balance updated XXXX - XX/XX/XXXX the account was removed then added without proper notice of within 5 days of a reinsertion letter according to FDCPA and my credit account reported it 100 % paid off and on time XXXX - original balance - {$7200.00} past due {$9200.00} - date open XXXX status update XXXX XXXXXXXX balance updated XXXX Reporting illegal transaction history. 

XXXX & XXXX are saying they validated my consumer report with creditor when FDCPA 15 usc 1681 ( A ) 2 ( E ) - investigative consumer report must be obtained through neighbors ALL of these are also violations of The Privacy Act of 1974

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 2024-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: NY

Complaint narrative:
I filed a dispute with US Bank over a charge from XXXX for {$65.00} due to the product being rancid. They told me the dispute would take up to 60 days. They then sent me paperwork to fill out, which I made a mistake on and asked for new paperwork. It took some time but they sent the new paperwork which wasn't received until after the deadline due to the delay. I sent back the paperwork. However, the charge from XXXX is showing on my account again- the provisional credit was reversed - because they are saying I didn't send the paperwork back by the due date when they knew that I needed more time and the company ( XXXX ) was allotted more time. The dispute is over protein shakes I received which were not drinkable and XXXX did not provide a way to resolve the issue that was satisfactory.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-16 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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-01-16 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: PA

Complaint narrative:
Dear Experian : I have contacted the furnisher who placed these inaccurate inquiries on my credit report. I asked them to provide me with proof that I gave them authorization to pull my credit report. As of today, they have not provided with the proof that is required. 
Because of that they had no permissible permission to pull my credit reports. 
After researching on the internet, it states a company needs authorization to pull a consumers credit report. This company did not have that authorization. They have violated the law, and I will hold them accountable. Because of their violations, Im asking your company to follow the law and delete these unauthorized inquiries Here are the inquiries : 1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. Did not consent to unauthorized inquiry. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
30 days should be enough time for you to complete your investigation on this matter. Also, once you have finished your investigation, please supply me with a full credit report and not a partial one. Im tracking all letters sent and received from you. If these inquiries are not deleted, then I press forward with complaints to the Attorney Generals Office and the Consumer Financial Protection Bureau. 
Thank you for your time and help in this matter. 
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 2024-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
All of my credit card balances are always paid in full, prior to the due date on my Chase Freedom card. The most recent statement period is from XX/XX/XXXX, XXXX XX/XX/XXXX. This period in question is then due XX/XX/XXXX. Please note I did pay the incorrect amount due already on XX/XX/XXXX to avoid fees. 
Chase is stating that my balance is XXXX However, I received a credit from Amazon for XXXX, which should have been deducted from this amount making the total due XXXX. The only purchases during this period were : XXXX, XXXX XXXX XXXX and the credit from Amazon for XXXX. It seems that given the balance they stated I owe of XXXX they did give me the credit of XXXX, but also included incorrectly added a second charge for XXXX which occurred on XXXX XXXX ( outside of the statement period ) in my balance. This second XXXX charge should be due on XX/XX/XXXX. When I messaged Chase several times on their secure messaging system, they responded with two explanations both of which did not address my concerns or how to escalate the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-01-16 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: PA

Complaint narrative:
Dear Transunion : I have contacted the furnisher who placed these inaccurate inquiries on my credit report. I asked them to provide me with proof that I gave them authorization to pull my credit report. As of today, they have not provided with the proof that is required. 
Because of that they had no permissible permission to pull my credit reports. 
After researching on the internet, it states a company needs authorization to pull a consumers credit report. This company did not have that authorization. They have violated the law, and I will hold them accountable. Because of their violations, Im asking your company to follow the law and delete these unauthorized inquiries Here are the inquiries : 1. These inquiries were not authorized by me and I would like them to be removed ASAP XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. Did not consent to unauthorized inquiry. 
30 days should be enough time for you to complete your investigation on this matter. Also, once you have finished your investigation, please supply me with a full credit report and not a partial one. Im tracking all letters sent and received from you. If these inquiries are not deleted, then I press forward with complaints to the Attorney Generals Office and the Consumer Financial Protection Bureau. 
Thank you for your time and help in this matter. 
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 2024-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
See attached. Instead of processing disputes Chase randomly froze my card stranding me abroad where I needed it to pay for basic living expenses.

Company response to consumer: Closed with explanation