vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
There was an unauthorized Credit check on my SSN from 2 different Banks on XX/XX/2023. I checked XXXX XXXX and XXXX and I do see those inquries on my report. I have not made any of those inquries or made any applications with those banks. Can you please help me fix this. Here are the details : 1. XXXX Report : Both XXXX and XXXX XXXX has made an inquiry on my SSN which are unauthorized 2. XXXX : XXXX XXXX has made an inquiry on my SSN which is unauthorized 3. Equifax : XXXX XXXX has made an inquiry on my SSN which is unauthorized Can you please remove these inquries from my report. I am working on freezing my SSN so no more unauthorized inquries are made on my account. 

I received a letter from XXXX stating my application for nwe CCard was rejected ( Attached in the document ). I called XXXX XXXX and looks like there are no account linked with my SSN, so must have been rejected as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
my identity was stolen and used to open several credit cards

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 2023-09-10 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: FL

Complaint narrative:
I have become a victim of identity theft. I have filed reports with the Federal Trade Commission. There are recent inquiries on my report that I did not authorize. Additionally, I have two pending XXXX XXXX XXXX Settlement Claims due to the ongoing nature of my data being circulated for sale on the dark web. 

These inquiries are fraudulent and do not belong to me. Please remove them from my TransUnion credit report. Also, these inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My identity was stolen and used to open several credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account, Creditor : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2000.00}, XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$30000.00}, XXXX XXXXXXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$3000.00}, XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$6800.00}, XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$25000.00}, XXXX Account XXXX XXXX Date opened XX/XX/XXXX Balance {$3700.00}, XXXX XXXXXXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Balance {$2200.00}, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$4800.00}, 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

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 2023-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFFIDAVIT OF TRUTH XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX XX/XX/XXXX Trans Union LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, and/or Transunion ) credit reports and I noticed late payments posted on my credit report. A proper investigation was said to have been investigated for completed with fairness and accuracy, but I don't agree. 


Transunion ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the follow circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


Did I give you written instructions to furnish this account on my credit report? 


Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to Section 1681S-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 


Delete* the above late payments that were addressed ( not the entire account ), this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced late payment from this account, and send out a free copy of my report after the changes have been made may result in legal actions being taken against your company, for which I may be seeking {$1000.00} per violation for : Defamation of Character ( per sXXXX ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act [ 15 USC 1692g ] violations Fair Credit Reporting Act [ 15 U.S.C. 1681n ] Best Regards, XXXX XXXX Best Regards, 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 2023-09-10 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: FL

Complaint narrative:
AFFIDAVIT OF TRUTH XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, and/or XXXX ) credit reports and I noticed late payments posted on my credit report. A proper investigation was said to have been investigated for completed with fairness and accuracy, but I don't agree. 


XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Equifax ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the follow circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


Did I give you written instructions to furnish this account on my credit report? 


Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to Section 1681S-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 


Delete* the above late payments that were addressed ( not the entire account ), this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced late payment from this account, and send out a free copy of my report after the changes have been made may result in legal actions being taken against your company, for which I may be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act [ 15 USC 1692g ] violations Fair Credit Reporting Act [ 15 U.S.C. 1681n ] Best Regards, XXXX XXXX Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 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: CA

Complaint narrative:
On XX/XX/XXXX Experian is showing the account with XXXX as a collection account from XXXX to XXXX. This account was paid off and should be showing a XXXX BALANCE. However, Experian is not showing the XXXX BALANCE THAT NOTHING IS OWED ON THIS ACCOUNT. 

IN ADDITION REMOVE THE COLLECTION STATUS IF THE ACCOUNT WAS PAID OFF. HOW ARE YOU STILL REPORTING COLLECTION IF PAID OFF? 

ALSO, THIS ACCOUNT NEEDS TO SHOW XXXX BALANCE AND NOT WRITTEN OFF XXXX BECAUSE THAT IS A LIE XXXX WAS NOT WRITTEN OFF. 

I HAVE SPOKEN TO XXXX AND THEY STATED YOUR INFORMATION IS INCORRECT.

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 2023-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, Account name : XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account number XXXX XXXXXXXX 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

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 2023-09-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, Account name : XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account number XXXX XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: FL

Complaint narrative:
I have previously Filed a complaint against XXXX XXXX XXXX in XXXX with both the CFPB and the XXXX XXXX XXXX CFPB referred the complaint to the regulator and XXXX XXXX XXXX located in XXXX responded to my XXXX  complaint. I accused them of committing Fraud and they responded. The debt was a result due " errors '' with a 3rd party contactor who is no longer in business and they no longer had access to phone calls or documentation ( convenient ) they apologized and informed me they were recalling the debt and closing the account. 

Today, I received a collection letter from Cascade Capital Funding , LLC with two bills that XXXX said resulted out of " error ''. XXXX XXXX XXXX states the original invoice maybe XXXX, but the balance was forwarded to them for collection '' the Letter States the communication is also a validation of debt. First, that's not a validation of debt, if you can't say definitively if the original account had a XXXX balance or not than you are lying about something or holding back crucial information. ( did I mention, I have a letter, that I have included from XXXX stating the debt was a result due to error ). 

I believe the collection agency attempted to deceive by omitting crucial information in this really bad attempt to confuse me which is in violation of the FDCPA. XXXX XXXX XXXX has also violated the FDCPA by knowingly and continuing to harass me into paying a debt, they themselves have admitted in writing via the Better Business Bureau was a unfortunate mistake ( it was not a mistake, it was fraud ). 

So as I start writing this complaint, and I realize the information for the Original Creditor on the XXXX is XXXX XXXX XXXX of Florida with XXXX XXXX XXXX XXXX XXXX 's address. So, I start to dig and find out XXXX XXXX XXXX of Florida was sold in XXXX, but the bill states date of service for XX/XX/XXXX. so i received a bill from a company, that stopped existing 3 years prior. But I just communicated with XXXX XXXX XXXX via the XXXX 

Well, XXXX XXXX XXXX of Florida was subsidiary of XXXX XXXX XXXX in XXXX, which is a subsidiary of XXXX XXXX XXXX in Texas which is the corporate office who sold XXXX XXXX XXXX of Florida after it caught the attention of the powers that be the OIG. XXXX XXXX XXXX in XXXX is now called XXXX XXXX in XXXX just want to clarify that, they tend to take advantage of the confusion this may cause some people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-09-10 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to formally dispute certain inaccuracies present in my Equifax credit report. On XX/XX/XXXX, I contacted Equifax regarding these discrepancies, but I have not received any response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 
Account Information : Account Identifier : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} The account labeled as XXXX XXXX with Date Opened : XX/XX/XXXX has been incorrectly reported with a Balance of {$6400.00}, which is higher than I recall. This account was presented as closed, and therefore, the Past Due amount is not applicable. I am pursuing direct communication with the creditor to address this issue. I kindly request that your agency report this account as disputed during my efforts to resolve it. 
Account Identifier XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} The account labeled as XXXX with Date Opened : XX/XX/XXXX has been inaccurately reported with a Balance of {$940.00}. I believe the correct balance is lower. Additionally, the Past Due amount is inappropriate for this closed and charged-off account. I request that this account be marked as disputed while I work on resolving the discrepancy. Furthermore, I require verification of Date Opened, Date of Status, and First Reported. 
Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} The account labeled as XXXX with Date Opened : XX/XX/XXXX has a Balance of {$100.00}, which does not align with my recollection of a lower amount. The inclusion of a Past Due amount for a closed and charged-off account is inaccurate and has negatively impacted my credit score. I intend to reach an agreement with the creditor to rectify this data. I request that your agency mark this account as disputed to prevent further harm to my credit score. 
Account Identifier : XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  : {$1000.00} The account labeled as XXXX with Account XXXX XXXX XXXXXXXX and Date Opened : XX/XX/XXXX is not mine. I request the removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX there was an unauthorized transaction that occurred at an XXXX XXXX in the amount of {$260.00}. The following day ( XX/XX/XXXX ) I noticed the transaction and called USAA to report it. They then issued me a provisional credit. On XX/XX/XXXX I received a notification from USAA claiming that the transaction was not unauthorized and that my credit would be revoked on XX/XX/XXXX. The notice also informed me that I could request the documentation used to make their final decision. I called several times in the days that followed requesting the documentation. I finally received a notice on XX/XX/XXXX, but it didn't actually include any of the documents used to make the decision. This was very upsetting for me especially since that was the day they removed my provisional credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I applied for a Chase card on XX/XX/2023 online. The application was pended. I never got a letter on why my application was declined. I called around XX/XX/XXXX. They said the application was declined and they would send me a letter on why. I never got a letter. On XX/XX/XXXX, I got a letter saying thay Chase may have declined my application in error. And that if I was still interested, I would have to apply again. 

They never sent me a reason why it was declined. Then say I can apply again due to their error and they would ding my credit again. There has to be some regulation against this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX Capital One reported late payments on an account that is reporting to my credit profile and it should not have any late payments. I have disputed the inaccuracy and it is still reporting. The account was never late and should be listed as pays or paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
Friday XXXX ( XX/XX/08 ) I instantly deposited or transferred {$830.00} from my XXXX account to my Chime account. Everything went smooth. A couple of hours later my account was put on hold/suspended for suspicious activity. I received an email requesting identification and documents proving where the funds came from. I replied directly to the email and I submitted requested information immediately. I have NOT received a response. Ive spoken to several representatives that escalated my case to their back office each time. I still received no response. One of the representatives informed me that all escalations were done wrong and that she will do a correct one. Waited hours, still heard nothing. Finally I spoke with a supervisor informing them I am ready to file a complaint with XXXX  and CFPB if something is not done. The supervisor stated he has submitted an appeal. I received a ticket number XXXX. I was told I would receive an email, and something should be done regarding this. I have still heard nothing. I have still received no real help from anyone. They are unlawfully holding my funds and my account needs to be released immediately! I am entitled to the money I earned by working in the XXXX XXXX! There is no scam here. Chime is being ridiculous and their customer service is not professional at all. I need my funds immediately.

Company response to consumer: Closed with explanation