vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
A hard inquiry taken to my credit report off of XXXX XXXX that was attributed to Capital One Bank. Someone tried to open a credit with them when I do not bank with them. Resolved the situation by calling them and letting them know it was not me. They shut down the application. This all happened on the XXXX of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
Dont recognize inquiries on my credit report.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
Dont recognize inquiries on my credit report.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 2023-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
i have received 77 phone calls and subsequent robo voicemails from XXXX XXXX XXXX since XX/XX/2022. I have repeatedly told them to stop contacting me to no avail. they are now threatening " legal action. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 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 inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
At this time these reporting companies are in violation of 15 U.S. Code 1681a. Section 2 ( A ) The code states as follows. 

( 2 ) Exclusions the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
This states any collection account or accounts bearing late payments on my report is transactional in fact and also are a reflection of an experience shared with the the creditor then forwarded to you without my knowledge I haven't given any consent to disclose this information on my report. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2023, I logged into my JP Morgan Chase bank account to review my balances and saw that my savings account balance was {$890.00} and my checking account balance was {$0.00}. These amounts were significantly inconsistent with my balance and activity. 

I looked at my checking account and saw 59 ATM withdrawals had been made on XX/XX/XXXX and XX/XX/XXXX in amounts of {$1.00}, {$100.00}, {$140.00} and {$160.00} and totaling over {$9000.00}. 

I immediately went to my bank branch to discuss next steps. A case was opened by XXXX XXXX, the Branch Manager of Chases XXXX XXXX branch. XXXX XXXX canceled the card ( which was still in my possession ) and closed the accounts. XXXX XXXX reported the unauthorized transactions and I expected that I would get my money back, Instead, on XX/XX/2023, the Chase Customer Claims team sent a letter stating that they found all of these transactions to be authorized and would not make an adjustment. 

59 transactions below {$200.00} over 2 day period should have been flagged by Chases Financial Crimes staff, as this activity is not wildly inconsistent with prior account activity but is the very definition of unusual or suspicious activity as described in the Interagency Guidelines on Identity Theft Detection, Prevention and Mitigation. Chases failure to identify this fraud is grossly negligent. 

My prompt reporting to Chases bank manager took place within 48 hours of the clearly fraudulent activity. Under Regulation E, had a legitimate review taken place, my liability would have been capped at {$50.00}. 

It is disappointing, although not surprising given Chases regulatory history with respect to money laundering, sanctions and fraud detection weaknesses, that I am now seeking assistance from the CFPB to be made whole.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
XX/XX/2023 {$0.00} PayPal Today I opened an account for the first time. The account was then placed on limitations. I received an email stating " I can no longer do business with Pay Pal ''. I called to close the account. I was told the account could not be closed because it was placed on limitations.

The call was escalated to a higher level. The gentleman got on the phone and did not give his name. He stated " the email address was a risk ''.

It is my business email account that was just created a few months ago. It had not been used much. I asked why and he stated because of " Fraud '' and it " will not be closed, but will be kept limited so no one can call in with the email address and use it ''. I told him I wanted all my personal identifiable information removed from their system and an email sent to me. He stated he could not do that. He stated that could not be done because PayPal is a financial institution. I told him i am not looking to get money from them. This is just for transfer. He told me he could not delete my information because of a risk. I assured him I was not a criminal and didn't have a criminal background and have never used paypal before and therefor my information should not be blocked because there is no papertrail in your system regarding me. I am a new customer. He then hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
AMEX XXXX XXXX, 2023 The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protection 's website at consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
Dont recognize inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My score went up XXXX points last week and two days later it dropped XXXX points because my XXXX  XXXX balance decreased-none of this makes sense and causing me to look like a fool-I have been paying on time-I have made a payment plan with one of these collections-these happened when I was going thru my second XXXX XXXX and my son died at XXXX yrs old-my Mother died 3 months later-I took care of both and only worked one full time job-I was not able to continue working 2 jobs-I have decreased my debt by over XXXX dollars-my next option will be to take legal action-not sure if this is discrimination-I will be asking other consumers if this has happened to them and ask them to join-I am also sending an email to the Whitehouse-this company continues to attempt to sell me credit monitoring-all a money maker Thank you

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
I disputed a Bankruptcy.I questioned how the Bankruptcy information was obtained and the Response was the Us Bk ct/Us District courXXXX which is an incorrect Identifier.However I contacted the Court and their Response was they Do not report to Any Credit Bureaus.So this has to be lie or an Error.Also I did not Give Permission To Share my info which is a violation of my Right to Privacy.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally auto bank misleading customer service team with their Total Loss department. I had a total loss car on XX/XX/2022 due to Hurricane Ian. The car was flooded and was a total loss per my auto insurance company. The car had GAP insurance also. Once both claims had paid their claims due to the total loss of car, there was a balance of {$1400.00}. When I spoke with Ally auto bank they reported they were still waiting for refund from the dealership for the warranty and road taxes. Then I received a delinquent on my credit report. I phone the dealership and they stated the refunds were sent. Call Ally to find out where the balance was from, the said that that was the remaining balance which I was responsible for. If the representative would of told me that I would of paid the balance but instead they said they were still waiting. I then paid balance and the account was closed due to being paid in full. The account was taken care right away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please see documents Attached

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX/XXXX ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX Balance ; : {$760.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$8600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX  XXXX Balance : {$4300.00} ; XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX  XXXX XX/XX/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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Among others. This is grounds for removal. They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A sec. 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have been disputing these accounts for months now. They don't respond to my requests and I'm beyond over it.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
unrecognized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Type of Business Credit Bureau Inquiries Auto Dealers , New Auto Dealers , New Auto Financing Auto Loans Auto Financing All Banks Bank Credit Cards All Banks Bank Credit Cards Commercial Banks

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