vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been disputing the fraudulent inquiries with Equifax to remove them in my report yet they keep on invalidating my documentations that i sent. I do not know what is in their system but i have the right to a fair credit reporting. I have been calling them and sending them documents since last year. I want those fraudulent inquiries to be removed as soon as possible. I have the right. I know i followed every instruction that the FTC instructed me to do. So Equifax should better remove them. 

XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Incorrect item reported on my credit report by Citibank

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 2024-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I noticed an account on my credit reports from a company called XXXX XXXX XXXX that I had no business relationship with. They are was attempting to collect on a an alleged debt in the amount of ( {$940.00} ). I sent a letter on XX/XX/2024 to validate this alleged debt and still recieveh nothing from them. After putting them on notice still I haven't received nothing. They continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g. This alleged debt is falsely representing the character, amount, or legal status of any debt. They also are violated 15 usc 1692f, as of their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. I've asked to reinvestigate this problem and still being furnish to my credit file with. Under 15 usc 1681i, you must delete from file after 30 days if no proof. By reporting to my file with inaccurate data is against the law according to 15 usc 1681s2. This is unlawful continuing furnishing false data to my file.

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 2024-04-17 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: FL

Complaint narrative:
To CFPB I am writing to request the removal of unauthorized credit inquiries on all three of the credit bureaus on my credit report. My latest credit report shows that I have credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report due to a VIOLATION of 15 USC 1681b Item No. 
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 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

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 2024-04-17 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: TX

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.

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 XXXX 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 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 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 2024-04-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: NC

Complaint narrative:
Reference Complaint # XXXX Regarding Direct Express card and Comerica Bank XX/XX/2023 I have not received any credit or relief for transactions totaling {$2200.00} Direct Express Card will not speak to me regarding this Fraud. Customer Service should never have sent out XXXX cards to an undisclosed address. The fraud investigation determined that the transactions were unauthorized. they referred me back to The Social Security Administration { SSA } and SSA is telling me there is nothing they can do to Help. 
Complaints Have been filed with the Federal Trade Commission and I have not received any response from them. This setback has caused me to be evicted from my rental home and has continued to cause unresolvable problems. XXXX : Homelessness

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
The companies involved are Ally Auto and XXXX XXXX. My car at the time needed repairs and the shop that had it told me that all I had was liability and to fix it was going to be more than the car was worth. Therefore, I had to do an involuntary surrender which was unnecessary. When I switched my insurance to XXXX I got full coverage. Insurance companies know if something is financed. With that being said I want to know who came and got the car, why XXXX said I only had liability at the time and that loan was done in XXXX, it is 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 2024-04-17 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: GA

Complaint narrative:
Inquires on my account that I am not familiar with : 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

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Inquires on my account that I am not familiar with : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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:
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. 

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 has violated my rights. Or a list of inquiries : 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 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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have disputed incorrect credit reporting to EXPERIANXXXX  several times and asked for this incorrect information to be removed from my credit report several times as well. EXPERIANXXXX refuse to remove this information. 

XXXX XXXX XXXX XXXXXXXX NEVER INSTALLED SOLAR PANELS on my property at XXXX XXXX XXXX and refused to cancel this debt for XXXX long years AND refuse to remove the INCORRECT " unpaid balance-charged off '' status from my credit report. 

ExperianXXXX are reporting a {$19000.00} charge off amount for product/services that i never received. The installation NEVER took place. I do not have solar panels! 


My credit score has been adversely affected for XXXX long years. XXXX XXXX canceled the debt in 2023 and refuses to update Experian. I have informed Experian that i never received solar panels from this company many times and they refuse to remove this incorrect information 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 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase Bank disabled my credit card around XX/XX/XXXX, because there were international transactions that were not conducted by me ( at least this is what they told me, saying someone tried to swipe my card in XXXX or XXXX ), to protect me, which is good. 
However, Chase decided to close my account around XX/XX/XXXX without telling me any reason, while I was away with no knowledge, and when I came back, Chase told me that since the account had been closed over three months, they could not give me the rewards points I earned for about 3 years, which was over {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: MA

Complaint narrative:
This agency is not reporting fair and equitable to me as a consumer in regards to privacy and confidentiality. 15 USC 1681 Permissible Purpose section 602 protects consumers rights to privacy, 15 USC 604 ( a ) section 2 states a consumer reporting agency can not furnish an account without my written instructions, and 15 USC 1666 b states a creditor may not treat a payment on a credit account as late for any purpose Action to be taken, remove and update all late payments on 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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This agency is not reporting fair and equitable to me as a consumer in regards to privacy and confidentiality. 15 USC 1681 Permissible Purpose section 602 protects consumers rights to privacy, 15 USC 604 ( a ) section 2 states a consumer reporting agency can not furnish an account without my written instructions, and 15 USC 1666 b states a creditor may not treat a payment on a credit account as late for any purpose Action to be taken, remove and update all late payments on report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: TX

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 : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 2024-04-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC
State: CO

Complaint narrative:
I went to file my tax return 3 years ago. When I filed I was told someone else filed my taxes. At this time i left my ex because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I investigated everything it came out to be my ex husband fraudulently using my ID social and birth certificate to file for everything and anything in my name i left everything and it was a huge mistake. I've made police reports and nothing is getting fixed. Now I'm get consumer reports and other places coming after me for everything I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: MN

Complaint narrative:
I am writing to formally dispute the presence of some unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. Upon careful review, I have identified these inquiries that were conducted without my explicit consent or knowledge. I am reaching out to seek your assistance in thoroughly investigating and expeditiously removing these inquiries from my credit report, as it adversely affects my creditworthiness

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 2024-04-17 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX, while I was working at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , I received an alert about a series of identical fraudulent charges made in XXXX by XXXX on my credit card ending XXXX. Each charge was I believe of approximately {$230.00} and was accompanied by a foreign currency fee of {$7.00}. I called the bank from the XXXX, and told the bank the charges were fraudulent and Bank of America cancelled the card, and issued a new card ending XXXX, which they posted to my home address in XXXX XXXXXXXX XXXX 

I was sent a claims letter through the XXXX Bank of America messaging system stating the matter was resolved as the charges had not posted to the account. 

The charges were posted to the new card ending XXXX on XX/XX/XXXX. I called the bank again on multiple occasions, and upon my return home I visited Bank of America at their XXXX XXXXXXXX XXXX branch during the week ending Friday XXXX XXXX. I reported the issue to the staff at the bank and I was told the charges made in XXXX were from a legitimate client. I made it very clear that I did not make or authorize the charges, and that they are fraudulent, and I will not pay them. The new card was in my mailbox upon my return home, and remains in a sealed envelope. I have not used it, and I have locked it until this issue is resolved. I did not know the full number of this card. 

The staff at Bank of America then requested evidence that I had not been in XXXX by photocopying my passport ( there is not entry or exit stamp for XXXX ), requesting in addition a written notification from XXXX XXXX that I had been in XXXX from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX, as well as copies of my hotel and XXXX XXXX apartment rental fees for the same period. All these documents were submitted to the bank as requested. 

To date, the fraudulent charges remain on my account, and I wish to report to you that Bank of America has failed to take this matter seriously, wasted hours of my time, and keeps sending me reminders that my payments on this credit card are late, and is now charging me interest on the fraudulent charges. 

Bank of America is supposed to have resolved this matter in ten days. It is not resolved after almost three months. 

Please contact Bank of America and request they contact me and resolve this issue immediately. 

Thank you, 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 monetary relief
Consumer complaint received 2024-04-17 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: NV

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.

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 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