vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: NC

Complaint narrative:
XX/XX/year>, I was contacted by XXXX XXXX about money they said I owe, I asked them to produce my signature about this, I was not provided this ( XXXX ) is the amount

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX I contacted the Creditors and let them know that I do not have any accounts associated with their Financial Institutions and I did not authorize or give permission for credit check with the inquiries soft or Hard. ( XXXX XXXX XXXX  is the only Authorized ) All others are reporting Falsely. 
On XX/XX/year> I contacted XXXX spoke with Representative name XXXX for 20 minutes and 39 seconds as he kept telling me that he can not remove the Hard inquiries felt like my Blood Pressure was elevated. XXXX XXXX rep gave me the phone numbers again for each creditor which I've already told him that I contacted, then called Transunion and XXXX and advised them according to the FCRA- Fair Credit Reporting Act unauthorized & unverified Items must be removed. 

I am requesting the Removal of all Hard Inquiries from all 3 credit bureaus for False reporting inaccurate unauthorized information to my name. 
*XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX 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 2024-12-30 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: FL

Complaint narrative:
XX/XX/XXXX I contacted the Creditors and let them know that I do not have any accounts associated with their Financial Institutions and I did not authorize or give permission for credit check with the inquiries soft or Hard. ( XXXX XXXXXXXX XXXX is the only Authorized ) All others are reporting Falsely. 
On XX/XX/year> I contacted XXXX spoke with Representative name XXXX for 20 minutes and 39 seconds as he kept telling me that he can not remove the Hard inquiries felt like my Blood Pressure was elevated. XXXX XXXX rep gave me the phone numbers again for each creditor which I've already told him that I contacted, then called XXXX and Equifax and advised them according to the FCRA- Fair Credit Reporting Act unauthorized & unverified Items must be removed. 

I am requesting the Removal of all Hard Inquiries from all 3 credit bureaus for False reporting inaccurate unauthorized information to my name. 
*XXXX- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  *EQUIFAX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I telephoned Experian and requested a free copy of my credit report. They redirected me to a url which requested {$14.00} to send me a report. As you know I am entitled to a free copy of my Experian credit report. This credit reporting company is the greediest of the 3 credit reporting agencies. Please instruct them to mail me a cop [ y of my credit report to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia 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 2024-12-30 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:
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. Account name : CAPITAL ONE 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
1 ) The company 's software confirmed that I had autopay set up. However, autopay failed to work 80 % + of the time, resulting in late fees. 

2 ) After this occurring repeatedly, I requested that they close my account. I was told a year ago that my account was closed. I also followed up on the email thread reiterating that the call was about closing my account and that I was told the account would be closed. 

8 months later I saw that I had a balance on my account and that it was never closed. I then called to close the account again. This time I was assured that my account balance was paid and closed. A month later I received an email that I had {$9.00} on my account that was past due. I notified them that my account was closed and that the balance was paid. Given the assurances I received, I do not feel that I am liable for this balance. 

In short, the company made it impossible to pay off my card and close the account. I find this behavior exceptionally abusive. As someone who has a credit card account with every major carrier, this was a uniquely bad experience. This would never happen with any other credit card issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
PLEASE REMOVE THE FREEZE ON MY CREDIT REPORT. SEE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
am writing to file a formal complaint against a third-party debt collector NCA who has violated multiple federal laws in their attempts to collect a debt that I do not owe. This matter has been ongoing, and despite my efforts to dispute the debt, the collector continues to engage in illegal practices, which has caused significant harm to my credit scores. 

Details of the Violations : Debt Not Owed : The collector is attempting to collect a debt that I have disputed and have no obligation to pay. I have provided all necessary documentation to dispute this debt multiple times, but they continue to report the debt to all three credit bureaus. 
Damage to Credit Reports : Due to the improper collection practices, my credit scores across all three major bureaus have been negatively impacted. These actions are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal regulations. 
Failure to Cease Collection Efforts : Despite my written disputes and requests for verification of the debt, the collector has failed to provide adequate validation as required by law and continues their attempts to collect this debt unlawfully. 
Request for Action : Given that this issue has been ongoing for over two years without resolution and the collector 's failure to abide by federal laws, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and hold the third-party debt collector accountable. I also request that the damages be assessed, and appropriate penalties of {$1000.00} per violation be applied for the unlawful collection attempts and the impact on my credit. 

Please inform me of any additional information or documentation required to assist with your investigation. 

I look forward to your prompt response and the necessary steps being taken to address this issue. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Deposited a check from XXXX XXXX XXXX for {$5500.00} in XX/XX/XXXX through mobile deposit to account XXXX. Chase received funds from XXXX and then closed my account retaining same funds stating that they needed to speak with XXXX XXXX regarding validity of funds being mine to fix the hail damage on my car. Provided letters, lien release and multiple phone numbers to chase. They refuse to disburse funds stating that the phone numbers are not verified. The phone numbers are listed on the Internet and all XXXX correspondence. Representatives refuse to disburse funds. It has been XXXX months. I want my money. The car was traded in and paid off at XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: MD

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-12-30 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
On XX/XX/year>, a fraudulent XXXX XXXX  XXXX credit card account was unlawfully opened in my name with a balance of {$18000.00}. I did not apply for this account, nor did I authorize XXXX XXXX  to access my credit. This account was created as a result of identity theft, and I am formally disputing its validity. Recently, I discovered that Midland Credit Management ( MCM ) has been assigned as the collection agency for this fraudulent account. This is an unauthorized debt and a clear misrepresentation of my financial obligations. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have fraudulent information resulting from identity theft blocked and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently reached out to Transunion in XXXX and XXXX of XXXX regarding information and items on my credit profile that were inaccurate, outdated, and even fraudulent in nature. Transunion only corrected a portion of it and has continued to report the same inaccurate information. I have reached out to try to correct this a couple of times since my original request. They willfully neglect my requests for correction of the information and now I find myself needing to make this complaint. 

According to Cushman v Transunion 1997, Transunion is required to ensure MAXIMUM POSSIBLE ACCURACY. Because they refuse to comply and remove the information that I requested to have deleted, my credit report violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), and 15 USC 1666b .

I have incorrect names, address, phone numbers, employers, and inquiries which were allowed without a permissible purpose or written authorization from 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 2024-12-30 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian 's handling of my dispute reveals a concerning bias in favor of businesses over consumers. They initially posted unverified information, demonstrating a lack of due diligence. Only after I filed a complaint did Experian initiate verification with the business. While the business initially attested to the accuracy of the information, further investigation through the Consumer Financial Protection Bureau ( CFPB ) uncovered uploaded documents that raise serious questions about the thoroughness of their investigation. Specifically, the authenticity of the electronic signature on these documents requires further forensic analysis. 

To ensure fairness and accuracy in credit reporting, I recommend that Experian : - Mandate verification of all information before posting to a consumer 's credit report. This proactive step would prevent the dissemination of potentially inaccurate data and protect consumers from undue harm.

- Conduct thorough investigations of consumer disputes, including scrutinizing all evidence and documentation. This should involve a more critical evaluation of information provided by businesses, rather than accepting it at face value.

- Implement a more balanced approach to dispute resolution, ensuring that consumers have an equal opportunity to present evidence and challenge inaccurate information.

By adopting these measures, Experian can promote greater fairness and transparency in credit reporting, fostering trust among consumers and businesses alike.

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 2024-12-30 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: LA

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have opted out of pre-screened credit offers through the XXXX workflow. 

I receive " Pre-Screened '' offers by mail despite being on the OPT OUT list. 

The offers violate XXXX as they advertise rates that they do not honor. 

Title V, Subtitle A of the Gramm-Leach-Bliley Act ( GLBA ) governs the treatment of nonpublic personal information about consumers by financial institutions. 

The credit reporting companies are selling my personal information for profit without my consent and they are also doing this despite Opting out.

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 2024-12-30 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: CITIZENS FINANCIAL GROUP, INC.
State: GA

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. Account name : CITIZENS BANK 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 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.

Company response to consumer: Closed with explanation