vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 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: NV

Complaint narrative:
I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( XXXX ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( XXXX ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( XXXX ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: NV

Complaint narrative:
I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( XXXX ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and XXXX all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( XXXX ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( XXXX ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, 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 non-monetary relief
Consumer complaint received 2024-02-28 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: IN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that there were fraudulent accounts and inquiries on 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 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XXXX I received a text advising of fraudulent activity on my account. As this has never happened before when I was prompted yes or no I selected no and received an immediate response that Chime would contact me and my account would be restricted. I immediately checked my account and did not see a transaction so I assumed that it had been stopped by Chime. Around XXXX that night I received another text stating that my account would restricted to investigate the fraud from early. I immediately called the number on the card and was prompted to hit star to receive a call back due to high call volumes. I received a call almost as soon as I ended the call and they advised they were with Chime Fraud prevention. The caller was able to verify all of my info with me with me prompting or coaching the caller. He knew that my email that was linked to my account started with t and ended with XXXX  again without prompting and he was able to adv that he would send a temporary password while he secured my account. He verified my address with me asking if I was still associated with the XXXX address. He knew all of my information and proceeded to tell me that he needed to review the IP addresses that were not associated with me. Again, I have never dealt with fraud and this was scary for me. In the time of the call the scammer was able to clear out my bank account. He was able to cancel my debit cards and order new ones. At the end of the call he told me I could log back in. When I tried to log in I was not able to and the call disconnected. it was at that moment that I realized something was not right. I called Chime number on the back of the card again and this time I waited to speak with a rep. I told them of the fraud and they told me there was nothing that could be done until all the charges posted to my account over {$1300.00} worth of charges were taken from my account. They didnt place a stop to the charges or start an immediate investigation. I had to call back the next day to start what I was told was started the minute that incident happened. The scammers had changed my email again at that time and they had reset my password again. Chime did not start the official investigation until almost 24 hours after everything happened. I was told by the states attorney to call and report to FBI ( I did ) I also reported to the FDIC, XXXX  and now this dept. I attempted to call the numbers that were available to dispute the transactions and they were all disconnected or websites that led to nothing. Chime sent an email advising that the charges were not deemed fraud and refused to refund the money to me, they rebuttal was sent today XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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 writing to formally dispute credit inquiries that appear on my credit report, which I believe are not accurate and are causing potential harm to my creditworthiness. As a consumer, I am protected by the provisions of the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and the XXXX XXXX laws, which require accurate and fair reporting of credit information. 

According to the Fair Credit Reporting Act, credit inquiries can only be made for the following permissible purposes : XXXX. A Firm Offer of Credit XXXX. Insurance XXXX. An Application for Employment XXXX. A Court Order The first inquiry in question was purportedly initiated by the companies listed below. However, I have no recollection of conducting any business with the companies listed below or authorizing this credit inquiry. In accordance with my rights under FCRA, I contacted the below companies directly to rectify this matter, requesting that they remove the inquiry from their records and update all credit reporting agencies accordingly. They have assured me of their cooperation in resolving this issue, but to ensure a thorough investigation, I am also approaching your agency. 

Given my intention to apply for a home mortgage in the near future for my family, it is of utmost importance that my credit report accurately reflects my creditworthiness. Hence, I respectfully request the immediate removal of these disputed inquiries from my credit report. 

I request the immediate removal of these inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and any other applicable consumer protection laws. Timely resolution of this dispute will be greatly appreciated. 

Thank you for your prompt attention to this matter and for ensuring that the information on my credit report is fair, accurate, and compliant with the relevant laws. 


Hard Inquiries : 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 2024-02-28 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: IL

Complaint narrative:
In accordance with the FCRA, everything has to be 100 % accurate on my credit report. 

I requested Equifax delete a fraudulent account on my credit report. I sent them a police report, ID Theft report and other documents. Instead of investigating the fraudulent account, they " investigated '' the addresses the creditor has in their records related to the fraudulent account. 

I sent a letter and documents to Equifax proving the information XXXX XXXX has regarding the fraudulent account is not mine, had never been associated with me, and is a result of identity theft. 

Equifax sent a letter stating " the disputed item is not on your Equifax credit file '' By me submitting proof that the info is not mine along with the request for deletion, Equifax did not bother to investigate the fraudulent account. 

They DID NOT delete or investigate the fraudulent account. If the account can not be verified, if the reported informationis incorrect or inaccurate, it must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I took out a high interest loan with Net Credit paid it in full at least 2 times 3 or 4 years ago. 
I took out another line of credit of XXXX I believe in XXXX. After making a few payments I turned it over to XXXX XXXX XXXX. ( Debt management company ) I was unable to make payments in XXXX of XX/XX/XXXX. I had XXXX and was out of work. I kept in contact with both XXXX ( was very hard to get a hold of them. ) I also kept in contact with Net Credit I called them the middle of XXXX and after making 7 months of payments of {$100.00} a month. Net credit my balance was XXXX something. XXXX dropped me from their service and I was going to work out paying the XXXX owed. Well I called NetCredit the end of XXXX I asked them how much my balance owed they said I was past due XXXX dollars and my balance was XXXX. Because I defaulted they charged me all interest and fees for the time I was paying the loan. I was never told by either party about this. I think that this is wrong. It is unfair. They should be investigated. Where did the XXXX dollars go I paid them? There was no form of communication by them about this to me. So I set up XXXX a month through XXXX to take care of supposedly past due {$330.00} and XXXX a month payment through XX/XX/XXXX. 
After I made arrangements I was threatened by them that they were going to sue me basically. Come on I was trying to pay it off. I definitely have good intent. But since I got sick and had XXXX they still charged me all back interest and fees. I did pay them in full twice before. I kept in contact. By the way the customer.servuce people XXXX talked with were very nice.Wrong very wrong. Please look into them so no one else will be ripped off like I was. Thank you for your time. I was not using this loan to pay off a previous loan from them. I answered that question incorrectly. I used the loan just to get by.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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:
The following accounts were included in a bankruptcy and should not be reporting with a balance. The balance should be XXXX, however, you are reporting the accounts as if I owed money, which I do not, as these were included in a bankruptcy. Please delete this false information reporting on my credit file with you immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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:
I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES 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 2024-02-28 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:
XXXX XXXX  ( Bank ) XX/XX/2XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/2024 XXXXXXXX XXXX ( Finance ) XX/XX/2024 The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have been with this company since XXXX to the present. My monthly payments range from hundreds of dollars to tens of thousands of dollars. Within a year I began to notice interest being added to my bill. I would call and it would be removed. My contract clearly stated that if the bill was paid in full and on time there would be no charges or interests, I made sure that was done monthly. It got to the point where the interest was appearing and balances where appearing were there should not have been, but a XXXX balances. I cancelled the card after speaking with the company several times and writing notes to this day. I have cancelled the card, but I still get a monthly bill on a XXXX balance. The company decide after all our coversations, I guess that they would bring back those interest charges that should not have been on my paid in full and on time bills in the first place and somehow start charging me interest on them. I dont't know how they can do this. I want it to come to an end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent mutiple certifed paper on XX/XX/2024 and another set XX/XX/2024

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 2024-02-28 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: FL

Complaint narrative:
I just obtained a copy of my credit reports and it shows a fraudulent account. Please see the attached copy of my dispute letters that were recently sent to the bureaus

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 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I submitted a fraud case to Capitol One after my card was charged without my knowledge for ~ {$9000.00} in XXXX. They have returned only automated messages dismissing my claim, despite forged signatures from the company. 

Merchant : XXXX XXXX XXXX These charges were made without my knowledge or consent. 

I got into a cab in XXXX. The person running it said it would be {$50.00} USD by card, which was {$1000.00} pesos. He showed me the screen on his device, which read XXXX pesos. I gave him my card. He then scanned it, and then scanned it multiple times on other devices while saying the internet was bad. This resulted in four charges which maxed out my credit card with four charges ( USD ). 

Shortly after I received a notice from Capitol One saying my credit card may have been used fraudulently, at which point I confirmed and deactivated my card. I then reported the fraud case and was reimbursed temporarily. Since then, Capitol One has said the company has refuted my charges and they are reinstating them. The document provided in the refutation has obviously forged signatures. I never consented or was aware of any of these charges, and Capitol One has done nothing to actually follow up on this case.

Company response to consumer: Closed with monetary relief