vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report showed MULTIPLE credit inquiries that I did not authorize. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please provide the method by which you verified that I applied directly for credit or gave permission to the following companies to access my credit by way of a signed authorization bearing my signature. If unable to do so, please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are not related to none of aforementioned permissible purposes XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX ; XXXX XXXX  on XXXX XXXX ; XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX ; XXXX XXXX on XXXX XXXX ; XXXX XXXX XXXX  on XX/XX/XXXX ; XXXX XXXX  on XXXX XXXX ; XXXX  XXXX ON XXXX XXXX ; XXXX XXXX # XXXX on XXXX XXXX ; XXXX XXXX XXXX on XXXX XXXX ; XXXX  XXXX on XXXX XXXX I do not recall authorizing any of the mentioned inquiries. I would like for you to provide me with the signed credit application of me giving you permissible purpose to give my credit report to those companies. Under the Fair Credit Reporting Act, no one is allowed access to my credit file without my permission. 
Please provide me with the signed credit application as proof that I authorized these inquiries. 
If you can not provide me this proof, I DEMAND you REMOVE these inquiries IMMEDIATELY from my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN XXXX DOB XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I used my Chase Credit card to rent a vehicle on XXXX XX/XX/year>. The vehicle rental company then refused to return my deposit of {$1900.00} for no reason other than it is a scam. I initially raised a dispute with Chase which was actioned, then I was informed by the rental company that for them to return my deposit, the dispute would have to be dropped. I contacted Chase 's customer service and informed the agent of these facts. The agent did not inform me that if I dropped this dispute, I would not be able to reopen it if something happened and the rental car did not return my deposit. They also did not inform me that the vehicle rental company could return my deposit quite easily, even whilst there was an ongoing dispute in place. Subsequently I cancelled the dispute but the rental company still not return my deposit. I contacted Chase customer service again, was informed that I would have to fax all the details and email chain between myself and the rental company over to them as that was the only way to proceed further, which I did. Chase then informed me that they would not reopen the dispute. I contacted Chase customer service again and was informed by another agent that the previous agent should have informed me with the details regarding cancelling the dispute and he was sorry but there was nothing he could do. I then spoke to a Chase customer service supervisor who then raised my complaint with Chases ' Executive Office. I spoke with them and was informed to contact the card benefits department, which I did. However, they also informed me there was nothing they could do either. A total of two separate occasions I spoke to the XXXX, but ultimately they informed me that they could or would not do anything because the customer service agent was not allowed to provide " legal advice '' and had done nothing wrong, even though he could have told me the actions that may happen on cancelling a dispute. Not once did I ask for any legal advice, it was the failure and lack of advice/protocols that was not provided to myself by Chase. Throughout this process, the difference in advice/lack of advice and ultimately poor customer service between different customer service agents has led me to be out of pocket for the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. Accounts in Question : ( List accounts ) XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: TX

Complaint narrative:
I filed a dispute on the account ending with XXXX, XXXX XXXX due to incorrect information. Equifax and XXXX denied to follow up with the investigation. I was recently notified that CFPB has filled a lawsuit against the company. They alleged the company of accepting unreliable information. This aligns well with my situation. I'm requesting this derogatory remark be removed or corrected immediately as its affectiong my chance of getting a loan. This violates my rights as a consumer as well as federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-04 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-04 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-04 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-04 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-04 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - i do not recognize that inquiry, i had never gave any permission to them. Its Fraudulent inquiry

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 2025-04-04 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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:
On XX/XX/year> I did a PRE-APPROVAL to see if I could be approved for a credit card. Not only did XXXX XXXX XXXX XXXX XXXX XXXX  ) do a full hard inquiry but they accepted the credit card and credit limit on my behalf without my approval. 

I instantly called their support number to which I was told they will file a claim with their team but to expect " my card '' in the mail. This is a card I did not approve the limit for or approve the full run of a hard inquiry against my credit. 

I have had contact with TransUnion who is sending a letter of dissolution to XXXX XXXX XXXX XXXX XXXXXXXX XXXX as the agent there said I am at no fault and they missed multiple legal guidelines before doing this.

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 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Shepherd Outsourcing, LLC
State: FL

Complaint narrative:
I keep getting this text message from the company : Take control of your XXXX XXXX XXXX XXXX account. Visit https : XXXX or call XXXX. This text is from XXXX XXXX, a debt collector. Reply stop to opt-out. 

I monitor my credit through multiple credit bureaus and I do not have any accounts in collections currently. I have called the number provided and told them to stop contacting me but they keep sending me these messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: OK

Complaint narrative:
I had identity theft and the credit reporting agencies are still reporting wrong information on my consumer reports. The accounts and information that are identity theft as listed XXXX XXXX XXXX account number XXXX, and an inquiry opened apparently in XX/XX/year>, I filed a FTC report about these items and sent them to the consumer reporting agencies Experian, TransUnion and Equifax a long with everything the FTC report contained. They deleted some of the items on my reports but not all. 
Also a fraudulent address that I requested them to remove. A address of XXXX XXXX XXXX XXXX XXXX XXXX, Experian said that they could not remove this address. Also a address that does not report correctly of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, I have no idea why they made a variation of this address. My home address is XXXX XXXX XXXX XXXX XXXX, OK XXXX. 
Also this Banking company XXXX XXXX had another account listed as XXXX sent me billings statements trying to claim it was my accounts after I sent them the FTC report # XXXX. I never had these accounts and Consumer reporting are by law my remove and block Items with in 4 days of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: OK

Complaint narrative:
I had identity theft and the credit reporting agencies are still reporting wrong information on my consumer reports. The accounts and information that are identity theft as listed XXXX XXXX XXXX account number XXXX, and an inquiry opened apparently in XX/XX/year>, I filed a FTC report about these items and sent them to the consumer reporting agencies Experian, TransUnion and Equifax a long with everything the FTC report contained. They deleted some of the items on my reports but not all. 
Also a fraudulent address that I requested them to remove. A address of XXXX XXXX XXXX XXXX XXXX XXXX, Experian said that they could not remove this address. Also a address that does not report correctly of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, I have no idea why they made a variation of this address. My home address is XXXX XXXX XXXX XXXX XXXX, OK XXXX. 
Also this Banking company XXXX XXXX had another account listed as XXXX sent me billings statements trying to claim it was my accounts after I sent them the FTC report # XXXX. I never had these accounts and Consumer reporting are by law my remove and block Items with in 4 days of this.

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 2025-04-04 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: LEXISNEXIS
State: OK

Complaint narrative:
I had identity theft and the credit reporting agencies are still reporting wrong information on my consumer reports. The accounts and information that are identity theft as listed XXXX XXXX XXXX XXXX XXXX XXXX and an inquiry opened apparently in XX/XX/year>, I filed a FTC report about these items and sent them to the consumer reporting agencies XXXX, XXXX and XXXX a long with everything the FTC report contained. They deleted some of the items on my reports but not all. 
Also a fraudulent address that I requested them to remove. A address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX said that they could not remove this address. Also a address that does not report correctly of XXXX XXXX XXXX XXXX # XXXX, I have no idea why they made a variation of this address. My home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Also this Banking company XXXX XXXX had another account listed as XXXX sent me billings statements trying to claim it was my accounts after I sent them the FTC report # XXXX. I never had these accounts and Consumer reporting are by law my remove and block Items with in XXXX days of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XX/XX/2024, I notice a charge from ticket master and reported to them, they gave me a complaint number several times and no one ever called me bank. I then called PayPal the same day and reported it. The charge was made in new jersey for a championship soccer game for over {$900.00} using my PayPal acct. I've been calling and trying to get this resolve since XX/XX/2024, but PayPal bank Synchrony keeps doing an investigation and findings are that I've made the purchase. I've explained to them month after month that it was fraud and I'm not responsible and didn't do make the purchase, nor did I share my acct with anyone. This could have been stopped before the criminal accessed the tickets because I was calling all parties as soon as i got the notification email way before the date of the event. I even notified them of an online chat where the criminal was trying to get the tickets. I change all passwords right away so why I'm I still going through this. This has been a nightmare month after disputing this and causing my credit score to go down etc.

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 2025-04-04 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: TX

Complaint narrative:
Transunion Experian and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX XXXX XXXX XXXX XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX XXXX XXXX XXXX XXXX  are inaccurate and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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