vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: MI

Complaint narrative:
I looked and reviewed my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX Account XXXX : # XXXX ], are not complete and accurate. 

And XXXX more thing according to XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FourLeaf Federal Credit Union
State: FL

Complaint narrative:
My bank is Bethpage Federal Credit Union. My account was hacked into where my XXXX  was used to purchase thousands of dollars worth of goods. There were attempts on my debit card as well that were declined. My checking account was hacked into also in which the thief XXXX  themselves {$1900.00} from my account. This was not authorized by me. Even though my entire account was hacked into and they've reimbursed the mastercard charges, they declined to reimburse the XXXX payments.

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 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Personal Information Dear Sir/Madam, I am writing to dispute inaccurate personal information that is being reported on my credit report by your agency. Upon reviewing my credit report, I have identified discrepancies in the personal information section that require immediate attention and correction. 
The inaccurate information is as follows : Capital one Auto Finance {$17000.00} I hereby request that you investigate and correct the inaccuracies in my personal information as soon as possible. It is imperative that the information on my credit report is accurate and up-to-date to ensure fair and accurate assessment of my creditworthiness. 
Please provide written confirmation once the necessary corrections have been made to my personal information. Additionally, I request that you provide me with a copy of the updated credit report reflecting the corrected information. 
I appreciate your prompt attention to this matter and look forward to your timely response. Thank you for your cooperation in resolving this dispute. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: WA

Complaint narrative:
XX/XX/year> deposited a {$5000.00} check from a payer that I have deposited checks from before. Called local branch and they verified the funds were available. But a hold was placed on check for 7 days and no reason. I called was told it was corporate not local branch. XXXX would not tell me a reason and said they can do whatever they want. I told them it was in violation and I was being severally harmed by their actions. they did not care. kinda laughed that it was holiday and I was stuck XXXX miles from my home.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Personal Information Dear Sir/Madam, I am writing to dispute inaccurate personal information that is being reported on my credit report by your agency. Upon reviewing my credit report, I have identified discrepancies in the personal information section that require immediate attention and correction. 
The inaccurate information is as follows : Wakefield & Associates {$800.00} Account # XXXX I hereby request that you investigate and correct the inaccuracies in my personal information as soon as possible. It is imperative that the information on my credit report is accurate and up-to-date to ensure fair and accurate assessment of my creditworthiness. 
Please provide written confirmation once the necessary corrections have been made to my personal information. Additionally, I request that you provide me with a copy of the updated credit report reflecting the corrected information. 
I appreciate your prompt attention to this matter and look forward to your timely response. Thank you for your cooperation in resolving this dispute. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: NC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-10 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: NY

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of a fraudulent account that has appeared on my credit report, despite my prior successful dispute of this account. It is clear that this account was improperly reinserted into my credit file, in direct violation of federal law, and I expect immediate action.

I initially disputed this fraudulent account under the Fair Credit Reporting Act ( FCRA ), and it was removed. However, I was shocked to find that this same fraudulent account was added back onto my credit report shortly thereafter. This is not only unlawful but also a violation of my rights as a consumer.

Under the FCRA, Section 1681i, if a disputed account is found to be inaccurate or incomplete, it must be corrected or removed. Furthermore, under Section 1681c-2, if a previously deleted account is reinserted, the credit reporting agency must notify the consumer within five business days and provide an explanation of the reinsertion. I have not received such notice, nor have I been given a valid explanation for this fraudulent account being readded to my report.

This fraudulent account is a direct result of identity theft and has no valid basis for appearing on my credit file. I demand that you investigate this matter immediately, remove the account from my credit report, and provide me with written confirmation that this fraudulent account has been fully removed. Additionally, I request that you provide the name, address, and telephone number of the creditor who reported this account to you, as required by law.

Failure to comply with this request within the next 30 days will result in legal action. Please be advised that I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state attorneys general for any further violations of my rights under the FCRA and other applicable consumer protection laws. I will also pursue any and all other legal remedies available to me. 
I trust that you will take this matter seriously and act promptly to correct the errors on my credit report. 

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Here is the revised dispute letter incorporating the details you provided : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] Subject : Dispute of Unauthorized Credit Report Access Dear [ Credit Bureau Name ], I am writing to formally dispute the unauthorized access of my credit report, as indicated in my recent credit report review. Under 15 USC 1681b, credit reporting agencies are only permitted to furnish a consumers credit report for specific permissible purposes, such as with the consumers consent or for legitimate business needs.

Upon reviewing my credit report, I discovered the following inquiry that I believe was made without my consent or for any permissible purpose : XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone Number : ( XXXX ) XXXX Inquired On : XX/XX/XXXX On Record Until : XX/XX/XXXX This inquiry does not appear to meet the requirements set forth under XXXX5 USC 1681b. Therefore, I respectfully request that you : 1. Investigate the legitimacy of this inquiry.

2. Remove the unauthorized inquiry from my credit report.

3. Provide any documentation or evidence supporting the legality of this inquiry. 

I have attached a copy of my credit report with the inquiry highlighted, along with a copy of my government-issued identification and proof of address for verification purposes. 
Please respond to my dispute in writing within the 30-day period required by law. If this matter is not resolved to my satisfaction, I may escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) or other appropriate authorities.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Undermining to receive financial gain and profit in order to display accurate information theres so much more this entire situation has been ongoing on and off since at least 2015.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Hello I am currently trying to get my credit pulled with Experian and XXXX. However, the lender is telling me that there is some type of freeze or fraud alert. I need the fraud alert and freeze remove from Experian and XXXX because I can not make a purchase. The lender can not see my score or credit history. This is causing me so much agony and grief. Please fix this problem so the lender can pull my credit remove all fraud alert and Freeze on my 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 explanation
Consumer complaint received 2024-12-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: DE

Complaint narrative:
This morning, I noticed unauthorized inquiries on my credit report, which left me puzzled since I routinely check it without issue. Refreshing my browser didnt resolve this, and the discrepancies remained. I need this matter addressed immediately, and I urge you to review the documents Ive provided so I can finally have peace of mind.

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 2024-12-10 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:
Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against XXXX regarding unauthorized credit inquiries that have appeared on my credit report. After reviewing my recent report, I identified several inquiries that I did not authorize and have no knowledge of. Despite contacting XXXX to resolve this matter, these inquiries remain on my report, causing significant frustration. The unauthorized inquiries in question are as follows : XXXX XXXX : XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Attached to this complaint is an Identity Theft Report filed with the Federal Trade Commission ( FTC ). This report, along with the corresponding case number, supports my claim regarding the unauthorized credit inquiries on my credit report. I kindly request that the necessary steps be taken to address this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 
I appreciate your prompt attention and review of this document as part of the investigation. I believe XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove these inquiries from my credit report, even after I brought the issue to their attention. 
The sections of the FCRA that support my claim are : Section 611 ( 15 U.S.C. 1681i ), which outlines my right to dispute inaccurate or incomplete information. I have disputed these inquiries, but XXXX has not conducted a satisfactory investigation. Section 609 ( 15 U.S.C. 1681g ), which grants me the right to access my file. Upon reviewing this information, I confirmed that I never authorized these inquiries.

Section 604 ( 15 U.S.C. 1681b ), which details the permissible purposes for credit report inquiries. I did not give consent for these inquiries, and XXXX has not provided evidence of a valid reason for them. Despite my efforts to resolve this directly with XXXX, these unauthorized inquiries continue to negatively impact my credit report. I request that the CFPB intervene to ensure XXXX fulfills its legal obligations under the FCRA by removing the unauthorized inquiries and providing me with an updated credit report. I appreciate your prompt attention to this matter, and I am happy to provide any additional information needed for your investigation. 

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 2024-12-10 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$88.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$11000.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hey I would like to file a complaint against Chase. So I was making regular deposits hoping to use this bank as a way to save up my money. And then all of a sudden I see a lot of charges I did not authorize totaling a sum of {$10000.00}. So I disputed every single charge and all of them were international with tons of international fees being shown on my statement. I was able to successfully dispute all of them and received provisional credit totaling the {$10000.00}. And having bills to pay and other expenses & things I needed to purchase I went to the closest branch in person to make a withdrawal and brought two forms of ID because my banking app was restricted and I called them and they said bring two forms of ID to a branch so I brought four actually. My ID, my new debit card that I had successfully activated, my social security card, and even the mailing envelope that the new card had arrived showing my address. And I was constantly told in person told to wait and had many managers and supervisors just XXXX  around the bush and at that point I didnt even care to make a withdrawal I told them I just wanted my account to not be restricted from being used so I could login to my chase banking app, and use my chase card. But nope they instead gave me a number to call, the same number I had called that told me to go in person. Its obvious I am the account holder if I went inside and brought 4 forms of identification and yet the chase operators on the phone constantly tell me come inside a branch and I went to a branch and they tell me to call the number. I feel like Im being XXXX  here and purposely being sent in a loop hole so that they can withhold my funds. So with all of this being said, I would like it to be known all of these charges on my chase count are UNAUTHORIZED, I have never left the country and dont even own a passport. So when these credits for the dispute are finalized I would like to no longer do business with Chase anymore. I want my money sent to me in a check to my address on file that I can go cash at Chase as my final visit to them. Because I do not feel safe anymore doing business with them. I feel they are a scam as a business so with that being said I do not want to close my account with them if they choose to take this complaint and remove my provisional credit and reverse it because then I will have to file another complaint with proof of all these charges being unauthorized and international and not being made by me. But if they act accordingly and take time to see this is my only dispute with them ever and finalize my credits THEN I would like to close my account with them and just get a check. Thank you so much. Please dont allow them to XXXX me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
sent XX/XX/2024 Request to remove inaccurate information No resolution

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 2024-12-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Dear The CCS COMPANIES/ XXXX XXXX XXXX XXXX XXXX am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the validity of this claim, I request the following documentation : 1. Proof of authorization to collect under 15 U.S.C. 1692e and 1692f.

2. Legal basis for attempting to collect, including applicable statutes.

3. Proof of authorization to operate in my state.

4. Evidence of the alleged debt, including any contract or agreement bearing my signature.

5. Full account history, including charges, fees, and payments.

Under FDCPA 1692g ( b ), you must provide this validation within 30 days. Failure to do so will result in the account being considered invalid. Non-compliance with FDCPA 1692d, 1692e, and 1692f will be construed as unlawful conduct.

Moreover, under the doctrine of estoppel by silence ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ), as I have not acknowledged any debt, I will presume no debt exists if no evidence is provided within 30 days. 
I demand the immediate removal of this account from my credit report if you fail to provide the requested documents. I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the state Attorney General if necessary. 
Thank you for your prompt attention to this matter. I look forward to your response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief