vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 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: CA

Complaint narrative:
This is NOT a fraud complaint. Do not place a fraud alert in my credit file. 

I have challenged the reporting of a bankruptcy on my credit report XXXX separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in XXXX XXXX Format reporting. 

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. 

I demand the bankruptcy be properly verified with physical documentation and in XXXX XXXX Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My commitment to ensuring timely payments on this account has been unwavering, never allowing any payments to lapse beyond their due dates. Nevertheless, I find myself puzzled by the presence of late payment remarks on my accounts. According to the provisions in 15 USC 1666b concerning billing errors, such discrepancies should be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: VA

Complaint narrative:
On Friday ( XXXX ) morning at XXXX, I received a phone call from a woman who I came to believe worked for Chase. Obviously, the bank does not call you to ask for information. However, the conversation I had with the woman led me to believe she was actually Chase employee. First, she relayed to me my three most recent transactions, including one that had occurred within the hour before the call. All the transactions were transactions I made within the last day. She told me she was calling because of a fraud alert on my debit card, and someone had tried to make a {$100.00} purchase at a XXXX XXXX in XXXX, AZ. She was calling to let me know they stopped the charge, and they were going to shut down my card and send me a new one because they knew I lived in XXXX, XXXX She recited my address to me. I thought this was weird because I had my debit card in my pocket. Then, she told me to verify that I am speaking to a Chase employee she would send me a push notification through the Chase app on my phone. I did get a notification through the Chase app saying a representative was trying to call me. I did not get a spammy text message or email -- I opened my Chase bank app and got a notification. So, at this point, I thought I was legitimately speaking with Chase because of the notification through the app. Then, she asked me for my pin number " to retire it, '' which is weird, but like I said, I got this legit push notification, and I thought this was a Chase employee. She gave me a fake claim number and said they were sending me a new card. The conversation ended. Immediately, I received an email from Chase saying they were replacing my card. It is ( or appears to be ) a legit Chase email. It is from the same email I receive all Chase notifications from and looks exactly like them. Then, on XXXX -- all the money from my bank account is drained. I call Chase -- they say they never called me, and I go through the claim process with them. I got a now legitimate email for Chase saying they'll replace my card. It is exactly the same email I received on Friday morning. Chase is helping me, but I want to make sure they investigate whether a Chase employee is stealing money from customers, not just resolve my personal issue. I will attach pictures of the emails I received after talking to the woman and the email I received after talking from legit Chase to show they are the same email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: CA

Complaint narrative:
ACCOUNTS HAVE BEEN OPENED WITHOUT MY KNOWLEDGE OR CONSENT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The late payments showing on these accounts are completely inaccurate. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have requested that my personal information be updated with XXXX, XXXX, and TransUnion. As of this date no changes have been made to my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have requested that my personal information be updated with XXXX, Equifax, and XXXX. As of this date no changes have been made to my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I have been a victim of Identity Theft, and all my personal information was exposed online in the XXXX XXXX XXXX and others online data breaches. I want all those fraudulent accounts removed from my credit report. I have already placed a freeze on my credit. Thank you for your help. I have also reported them to the Identity theft website with reference number : XXXX. Thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX This was placed on my credit reports recently. This account was already removed from my credit reports. It looks as if it was sold and then relisted This account does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX This was placed on my credit reports recently. This account was already removed from my credit reports. It looks as if it was sold and then relisted This account does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
I got an email about an address change, but I dont even have an account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: TX

Complaint narrative:
XX/XX/XXXX -Received debt collection from I.Q . Data International , Inc It stated that I owed {$390.00} in fees associated with an application to XXXX XXXX XXXX XXXX XXXX Texas. They shared with me that it was an online application. On the statement, it shows I owed {$390.00} as of XX/XX/24. However, I received the letter in the mail in XXXX not XXXX. I had a really bad experience with the I.Q. company personel and XXXX. I was told I needed to pay it regardless if it was mine or not. It was going to be reported on my credit. I proceeded to make the payment, while under the impression I could be paid back once the disupted was investigated. I mailed off all the required dispute documents to the address listed on the debt collector letter. I sent it certified mail, and I have still not received notification that it was received. I paid {$23.00} for that. I continued to freeze my credit from all three credit bureaus. 
Yesterday, I received another debt collection in the mail. The debt collection agency is XXXX XXXX XXXX XXXX XXXX XXXX I called and spoke with a representative. This was also application fees to another apartment complex in XXXX, XXXX XXXX XXXX XXXX The charges are for {$150.00}. I called an filed a police report with XXXX XXXX Police Department. I was told I needed to contact XXXX Police Department. I did, but I was told they could not help me. I didn't live in XXXX, therefore they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have been a victim of Identity Theft, and all my personal information was exposed online in the XXXX XXXX XXXX and others online data breaches. I want all those fraudulent accounts removed from my credit report. I have already placed a freeze on my credit. Thank you for your help. I have also reported them to the Identity theft website with reference number : XXXX. Thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: TX

Complaint narrative:
Upon reviewing my credit report from Transunion, XXXX and XXXX I discovered several hard inquiries that I did not authorize or initiate. These inquiries are damaging to my credit score and may adversely affect my ability to obtain credit in the future. 

The unauthorized hard inquiries listed on my credit report are as follows : On XX/XX/24 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for credit or authorized any inquiries from the companies listed above. These unauthorized inquiries are a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Section 611, Subsection ( a ) ( 1 ) ( A ). According to the FCRA, consumers have the right to dispute inaccurate or unauthorized information on their credit reports and request that it be corrected or removed.

Section 611, Subsection ( a ) ( 1 ) ( A ) of the FCRA states that credit reporting agencies are required to conduct a reasonable investigation into any dispute filed by a consumer regarding the accuracy of information on their credit report. This investigation must be completed within 30 days of receiving the dispute. Additionally, the FCRA mandates that credit reporting agencies must provide consumers with a written explanation of the results of the investigation and any actions taken as a result.

In accordance with the FCRA, I am requesting that you investigate these unauthorized inquiries and provide me with a written explanation of your findings. Please also provide me with copies of any documentation or evidence you used to verify the legitimacy of these inquiries.

I expect a prompt resolution to this matter, as these unauthorized inquiries are negatively impacting my creditworthiness and financial standing.

I have already reached out to the companies and credit bureaus and was provided any assistance.

All credit bureaus have a copy of my driver 's license and social security card that was provided previously.

Thank you for your attention to this dispute. Please send any correspondence regarding this matter to the address you have listed on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: TX

Complaint narrative:
Upon reviewing my credit report from XXXX, Experian and XXXX I discovered several hard inquiries that I did not authorize or initiate. These inquiries are damaging to my credit score and may adversely affect my ability to obtain credit in the future. 

The unauthorized hard inquiries listed on my credit report are as follows : On XX/XX/year> XXXX On XX/XX/year> XXXX XXXXXXXX XXXX  XXXX XX/XX/year> XXXXXXXX XXXX I have not applied for credit or authorized any inquiries from the companies listed above. These unauthorized inquiries are a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Section 611, Subsection ( a ) ( 1 ) ( A ). According to the FCRA, consumers have the right to dispute inaccurate or unauthorized information on their credit reports and request that it be corrected or removed.

Section 611, Subsection ( a ) ( 1 ) ( A ) of the FCRA states that credit reporting agencies are required to conduct a reasonable investigation into any dispute filed by a consumer regarding the accuracy of information on their credit report. This investigation must be completed within 30 days of receiving the dispute. Additionally, the FCRA mandates that credit reporting agencies must provide consumers with a written explanation of the results of the investigation and any actions taken as a result.

In accordance with the FCRA, I am requesting that you investigate these unauthorized inquiries and provide me with a written explanation of your findings. Please also provide me with copies of any documentation or evidence you used to verify the legitimacy of these inquiries.

I expect a prompt resolution to this matter, as these unauthorized inquiries are negatively impacting my creditworthiness and financial standing.

I have already reached out to the companies and credit bureaus and was provided any assistance.

All credit bureaus have a copy of my driver 's license and social security card that was provided previously.

Thank you for your attention to this dispute. Please send any correspondence regarding this matter to the address you have listed on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
XXXX begging you please remove this to the 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 2024-04-09 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: VA

Complaint narrative:
I respectfully request that these inquiries be taken off of my credit report because I am not the owner of them and have no connection to the creditors mentioned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am being garnished for an account that does not belong to me. The wage execution received has an address that I never lived in. I've been a victim of identity theft before and I have a police report in which I emailed to XXXX on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: GA

Complaint narrative:
I am in the process of trying to buy a home and when the mortgage broker pulled my credit and we seen that there are damages on my report and according to 15 U.S.C 1681 there should not be damages reporting on my report that is a defamation to my character. According to the ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have a credit building card through XXXXXXXX XXXX XXXX XXXXXXXX XXXX The XXXXXXXX XXXX building card is a pre-paid card that can only have a negative balance of a maximum of {$50.00}. On XX/XX/XXXX I transferred {$250.00} from my XXXX checking account to my credit builder card account. I paid a storage unit payment on XX/XX/XXXX for a total of {$200.00}. On XX/XX/XXXX I made multiple purchases through XXXX for {$50.00}. At this point, my XXXX XXXX account had a negative balance of less than {$1.00}. On XX/XX/XXXX I received an email from XXXX XXXX that said my credit was impacted and my credit score went down. When I checked my XXXX XXXX account it showed that XXXX reported my credit builder account had a negative balance of - {$230.00}. After looking into my accounts I disputed the balance in XXXX XXXX. Today XX/XX/XXXX, I contacted XXXX to find out why my XXXX XXXX account reported a negative balance. They told me that it was how the credit agencies interpret XXXX  reports and i would have to dispute it with the credit agencies. I have since turned off my XXXX XXXX card with a balance of {$0.00}. I then XXXX  if anyone else had a similar problem with XXXX. I found that this problem has been happening for years and has yet to be corrected by anyone.

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