vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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: NV

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$440.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. The current payment status of 60 days past due is incorrect because the balance due on this account is {$0.00}. XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$110.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. Collection account from XXXX  XXXX with account # XXXX and a balance of {$1800.00}. The original creditor is XXXX XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Public Record from a XXXX  XXXX bankruptcy discharged on XX/XX/XXXX. I dont recognize this public record. Please provide proof from the court of this public record. XXXX from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: NV

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX XXXX XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$440.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. The current payment status of 60 days past due is incorrect because the balance due on this account is {$0.00}. XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$110.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. Collection account from XXXX XXXXXXXX with account # XXXX and a balance of {$1800.00}. The original creditor is XXXX XXXX XXXX  I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. XXXX XXXX from a XXXX XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this public record. Please provide proof from the court of this public record. XXXX from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. XXXX from XXXX on XX/XX/XXXX. There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. XXXX from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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 2025-01-05 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: GA

Complaint narrative:
I was a victim of identity theft XXXX hard inquirys on my credit reports that shouldnt be on there be companys names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .all these companys pulled my credit without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: GA

Complaint narrative:
I was a victim of identity theft XXXX hard inquirys on my credit reports that shouldnt be on there be companys names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .all these companys pulled my credit without my knowledge

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that I had fraudulent accounts on my report. Please remove these accounts from my report, They are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I received a fraudulent debt collection from a cash central.com for {$430.00} which 1. I never applied for or got a loan, Ive had several scam attempts lately. I dont even have a hard inquiry for this loan. I did some investigation of this company and to my surprise its extremely common that this occurs. This company needs to be shut down!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the XXXX  account has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

18 U.S.C. 1028A Aggravated Identity Theft 15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 6802 Obligation with respect to disclosures of personal information According to the fair credit reporting act section 605B. It is illegal to report information on my credit report with
out my permission 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.

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 2025-01-05 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the Convergent account has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

18 U.S.C. 1028A Aggravated Identity Theft 15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 6802 Obligation with respect to disclosures of personal information According to the fair credit reporting act section 605B. It is illegal to report information on my credit report without my permission 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: IN

Complaint narrative:
IT HAS COME TO MY ATTENTION THAT MY MY PERSONAL INFORMATION HAS BEEN EXSPOSED IN A NATIONAL DATA BREACH. REVIEWING MY CREDIT REPORT I SEEN UNFAMILIAR ACCOUNT I ASK THE CRAS FOR VALADATION DEBT HOWEVER THE INFORMATION HAS NOT BEEN PROVIDED DUE TO MY INFORMATION BEING EXSPOSED I SUMMITTED TO THE FTC COMPLAINT REPORTING TO THE INFORMATION THAT IAM NOT FAMILAR WITH PLEASE FIND ATTACH

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 2025-01-05 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: Early Warning Services, LLC
State: IL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information appearing on my Early Warning Services report, which I believe does not belong to me. The following accounts are erroneously listed, and I request a full investigation into this matter. It appears that these accounts may be the result of identity theft or a reporting error. 

Early Warning Services Report : XXXX XXXX XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX - OH Account # : XXXX, XXXX XXXX IL Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, None of these accounts are mine, and I have not authorized or opened any of them. I am requesting that Early Warning Services conduct a thorough investigation into these accounts and remove all fraudulent or incorrect information from my records. 

Please find attached the following documentation to support my dispute : - A copy of my government-issued ID - A copy of my Early Warning report - A statement affirming that I did not open or authorize these accounts ( fraud report ) I would appreciate your prompt attention to this matter and request that you notify me in writing of the outcome of your investigation. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), and I expect a resolution to this issue within the legally required time frame. 

Thank you for your prompt assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
I was contacted by this loan company called One main loan online they call me yesterday and said they was out of New York and I live in Missouri and I'm trying to get along to help with the emergency funds to help boost my credit and pay mostly unpaid bills so I can currently get back enrollment in school online they Told me that my credit score was high enough into an XXXX credit score my current score is XXXX So I had to pay for insurance for me to get the loan of {$2900.00} I Was Really Asking For {$2500.00} I was then asked to go to my XXXX XXXX and send {$100.00} for insurance company called XXXX to send it to XXXX XXXX through XXXX on my XXXX XXXX well I couldn't send the full amount of {$100.00} because I didn't completely have it because I get charged {$3.00} every time I made a transfer to Funds to XXXX XXXX I never did this way before an I Sent {$87.00} to XXXX XXXX and I'm sure I was scammed out of {$100.00} because I'm sure you don't have to pay for insurance of transfer of Funds from XXXX XXXX  account to another account from New York to Missouri and it's a loan company online called One Main Loan company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: 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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$990.00} AFFIRM XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Owed : {$0.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy, confidentiality and civil liability for willful noncompliance under 15 USC 1681. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. State I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. 15 USC 1681 C-2 15 USC 1692g 15 USC 16811S-2 15 USC 1681i 15 USC 1681b 15 USC 1681 15 USC 1681b - 15 USC 168115-2 15 USC 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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 my credit report and noticed an account that I had fraudulent accounts on my report. Please remove these accounts from my report, They are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC bank is claiming that I received a refund deposit of {$110.00} from XXXX  XXXX on XX/XX/year>. These funds have never been made available to me, and the bank itself was sending me low balance alerts on that date, recording my balance to be {$0.00} on the date in question. Despite this, they continue to insist the funds were made available to me. Simple math on my transactions and available account balance proves this to be true. The company refuses to take any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
I called Truist Bank on Thursday XXXX to inquire on my participation in XXXX XXXX XXXX XXXX XXXX in XXXX. They said on the phone they could change my mailing address but not my physical address. I should come into a bank to give the XXXX at XXXX information. I remembered I had an email address from a dispute on my old account. Truist is located in XXXX XXXX. So I sent an email to the dispute department asking them to change my address and I sent the front and back of the card as well as the Private Entity form on XX/XX/year>. I tried to login to online banking on Friday XX/XX/year> at XXXX pm and received a message that my account was restricted and I needed to call XXXX and press option XXXX for XXXX related online banking issues. I called them on Sunday XX/XX/year> around XXXX. The representative said that my account was closed and they were sending me a check for the remaining balance. Also it was closed due to check fraud. I have never ordered checks on any of my bank account and I have not deposited checks into Truist. I believe they closed my account because XXXX a participant in the XXXX XXXX XXXXXXXX XXXX. Apparently they are not even using the XXXX XXXX XXXX address to send the check even though they have been notified. I was going to sue them for retaliation but I think I can report them to XXXX XXXX XXXX  and maybe the Attorney General of Minnesota will sue them.

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 2025-01-05 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Five hard inquiries reported on my credit report.

Two of them being the same company.

These companies were not given any permission to report on credit.

Code violation : 15 U.S.C 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Five hard inquiries reported on my credit report.

Two of them being the same company.

These companies were not given any permission to report on credit.

Code violation : 15 U.S.C 1681

Company response to consumer: Closed with non-monetary relief