vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX, XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, 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 an 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 conviction 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: NY

Complaint narrative:
I have hard inquires in my Equifax and XXXX credit report that i did not authorized. 
my identity was stolen. on my equifax report I have 6 inquiries which are : 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 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 XXXXXXXX as you can see they are a lot or a lot of repeats that they try to get credit cards also they have me under XXXX XXXX and XXXX XXXX my last name is XXXX and I have never request credit cards loans under those identity. 
all I am asking is for those inquiries to be removed. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have two opened accounts in collections both of them are wrong and are affecting my credit score : XXXX-MIDLAND CREDIT {$300.00} XXXX XXXX {$560.00} This creditors are calling me everyday and this accounts shouldnt be on my credit report. Im reporting them as fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I mailed an inquiry dispute letter on XX/XX/ and never received a response. There are unauthorized inquiries on my credit report that I would like removed.

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 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
I had a Discover card and fell behind on the monthly payments this year due to income decrease. The late payments and past due amounts were posted on my credit report and my credit score was affected. They then posted that the account had been closed. I began receiving nonstop calls to pay. In XXXX on the XXXX XXXX, I received a phone call from them and they offered me a payment plan that would be low interest and {$83.00} for 3 months and it would wipe out most of my balance. They told me to make the first payment of {$83.00} on the XXXX and that I didnt owe another payment until XX/XX/XXXX and thats when the direct deposit payments would be withdrawn from my account. I explained I wasnt sure I would be using that account to make payments every month and they said I can always call in and make the payment. I agreed and gave them access to my XXXX account and made the first payment as scheduled on XX/XX/XXXX. I had explained to them I was trying to repair my credit and I had already paid 1 card off. My payment plan or my payment never has showed up on my credit report. Instead, the day I made the payment, they flagged my account as 150 days late. I called them and they told me to be patient and it will show up. So a month goes by and its still showing the same thing. Then XX/XX/XXXX I get an email from my XXXX account stating my account is overdrawn and when I looked it up, Discover took {$83.00} that I didnt have in my account after the agreement stated that payments wouldnt start until XX/XX/XXXX. I called Discover and spoke to an agent by the name of XXXX, her immediate statement was that my account was in the process to be charged off and that I should contact an Attorney unless I make the past due payment or make payment arrangements. I asked her what is she talking about? I already did all of that and made my first payment in XXXX and that regular payments were not due yet and why did they withdraw money I surely didnt have and ruin my checking account!? I told her they have defaulted on their end of the deal by not updating my credit report, the only part they updated was {$83.00} payments. The rest is flagged 150 days past due and no payments made since XXXX of XXXX. Then they are stating my account is still getting charged off despite my efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: CONRAD CREDIT CORPORATION
State: GA

Complaint narrative:
I went on a vacation with my family of XXXX. I rented a condo through XXXX and when we stayed, we got bombarded with sellers about the benefit of staying at at XXXX XXXX XXXX. My wife and I didn't know what to do and told them we would think about it, but they already had all our information 's and month later I found out i had a contract that I couldn't get out of it. When calling to cancel, I was told that it is too late to cancel and that I have to pay for it. When I found out who own the loan and try calling to cancel, I was told the same thing. I was left with a fraudulent account for over XXXX  USD. This account has been destroying my credit report for many years and i tried everything and they never try or said anything about this fraudulent. I never agreed on that day that I would finalize the deal they went ahead and did it themselves without my consent. I want them to remove this fraudulent information from my credit report. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e 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 relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe XXXX standards state that in order to make a report, you must follow their guidelines. " Any deviation from these standards jeopardizes the integrity of data. '' This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.

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 2023-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: MS

Complaint narrative:
I have spoke. With XXXX. I do not have a bill. They agreed. I call southwest collection and they know it is a fraud. Why isnt it taken off? It said derogatory which is not true. The collection agency said they would take it off. They did off of one credit bureau but not this one

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: IL

Complaint narrative:
I am requesting that you investigate and take necessary action to remove them from 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 2023-05-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am now seeking damages with litigation since Equifax demanded the date be added to the FTC report which is another gimmick and predatory tactic to avoid penalties and delay removal. 

Under adding the inquiry there is NO way to add the day to the date. I have edited the report to manually add the date and once again I am seeking {$1000.00} per violation of FCRA XX/XX/2023 XXXX XXXX XXXXXX/XX/2023 XXXX XXXX Fraud FTC removals ASAP further delay will result in more monetary damages awarded

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: TX

Complaint narrative:
This is in response to the CFPB complaint XXXX. I would like for you to again perform an independent investigation into the accuracy of these accounts and to remove or update them because of the dispute reasons that I have listed in the complaint referenced. In addition, I need to see where you're getting this information from because I don't believe that you ever reached out to these creditors! I would like to see the documentation that was used to determine the accuracy of these accounts. I'm not sure why you're saying that they're accurate, because I'm sending you irrefutable facts taken directly from my credit report! How is this possible that you're in charge of maintaining the data on my credit report but fail to ensure its accuracy? I would like to see the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. If you can't furnish what I've requested, these accounts need to be updated or removed from my credit report. Please see the attached letter that is dated, and time stamped. Please send me everything you have on these accounts : XXXXXXXX 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 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To start on XX/XX/XXXX my XXXX XXXX Account business card was closed without any notice or notification at all from Chase. I only found out by viewing my credit report with XXXX XXXX. I checked the app, website, and my mail and had received nothing by XX/XX/XXXX when I found out. 

I promptly messaged Chase demanding they open my account again because there was 0 reason they had to do so and had provided me no information. I received a response in email saying to call for more info. I call and they say the account closure was for " bank policy '' reasons and that a letter was sent to me. It is XX/XX/XXXX and I have still have not received any letter. 

Furthermore, I want to reference my account was in excellent standing with 0 missed payments, excellent credit, and no disputes. On top of that this was verified by Chase when they opened the account since I had to call in to verify information for my application and they APPROVED me then only to close my account barely 6 months later. 

They also did this with my bank account which was in good standing for " suspicious activity '' a year or so prior when they couldn't verify my cash was coming from but never offered me to prove cash deposits which I could have easily. 

All these is some sort of clear discrimination or otherwise because my financial history is perfect and this has cost me on my credit reports. Chase is NOT to be trusted with your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
XXXX CONSUMER ADJ CO is a third-party collection agency reporting an account past 7 years old on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681XXXX - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

I sent letters out 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 2023-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I deposited check XXXX XXXXXXXX in the amount of {$1700.00} drawn from XXXX Bank to Bank of America on XXXX. The check was approved by the branch manager and deposited into my account with their typical 24-hour hold. The check was marked for deposit only, no cash back requested. Later that night, the check was put on a 7-business day hold by Bank of America 's `` clearing house. '' I met with the branch manager on XXXX and he found zero reasons as to why this particular check was held. He called the fraud dept., they said no suspicious activity, account is good, go ahead and use it. All the branch manager had on his screen as to the reason was " confidential. '' Both the Bank of America and XXXX accounts have overdraft protection. I met with XXXX as well, they said the check cleared on XXXX with no problems. I am concerned that Bank of America acted in an overly aggressive manner on a seemingly benign transaction with no explanation as to what necessitated their action.

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 2023-05-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
Original Creditor ( XXXX ) has reported that i owe XXXX for a phone that has already been paid off. on XX/XX/2023 i spoke with XXXX Rep XXXX where she stated on the call that she does in fact see where the phone has been paid off. when asked to send statement regarding the balance owed, she stated she would send them in mail. and i have yet to receive anything via mail nor email. 
the Current Creditor is Source Receivables Mangement ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX Consumer Relations Department XXXX XXXX XXXX XXXX, OH XXXX Subject : Unauthorized Hard Inquiries on My Credit Reports Dear Sir/Madam of XXXX XXXX I hope this letter finds you well. I am writing to bring to your attention a matter concerning unauthorized hard inquiries on my credit reports, which I believe to be fraudulent and in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that XXXX XXXX XXXX ( XXXX ) promptly remove these inquiries from all three of my credit reports. 

Upon reviewing my credit reports, I discovered that two hard inquiries were made on XX/XX/2023, and XX/XX/2023, respectively. I would like to emphasize that I did not authorize these inquiries, nor did I have any prior knowledge of them. These unauthorized inquiries not only impact my credit score but also raise concerns regarding potential fraudulent activity. 

As evidence of these unauthorized inquiries, I have attached screenshots of my credit reports clearly showing the details of the inquiries. I kindly request that you thoroughly review the attachments to understand the unauthorized nature of these inquiries. 

Under the FCRA, consumers have the right to dispute any inaccurate or unauthorized information on their credit reports. According to Section 1681b of the FCRA, entities seeking access to an individual 's credit report must obtain the consumer 's written consent before pulling their credit records. As I did not provide authorization for these inquiries, I believe they are in violation of this provision. 

I kindly request that XXXX immediately investigate this matter and take appropriate action to remove the unauthorized hard inquiries from all three of my credit reports. I also request that you provide me with a written confirmation once the inquiries have been removed. 

I trust that you will handle this matter promptly and in accordance with the law. If necessary, I am prepared to take further action to protect my rights under the FCRA. 

I look forward to your prompt attention to this matter. Please contact me at your earliest convenience to discuss the steps being taken to resolve this issue. Thank you for your cooperation. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation