vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-31 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: CA

Complaint narrative:
On XX/XX/year>, a fraudulent BEST BUY/CBNA credit card account showed up on my Equifax credit report. That was after I had put a credit freeze on my account with Equifax on XX/XX/year>. It stated the account was opened on XX/XX/year>. According to equifax it was opened in XXXX SOUTH CORPORATE PLACE XXXX XXXX, SD, XXXX XXXX. On XX/XX/year>, after trying to call the credit card companies to have this fraudulent account removed from my credit report, they are saying my Social Security is not linked to any account with them. I was added to the fraudulent credit card account as an authorized user, so Im not the primary holder of the fraudulent account that the person opened, therefore I do not have anyway of getting any account information removed from my SSN # at all. After the credit Card company wasnt able to locate up the fraudulent account I disputed it with Equifax on XX/XX/year>, the report for the dispute came back on XX/XX/year> and Equifax is stating that the account is verified and accurate. The account was open fraudulently and I have no access to it. This fraudulent account needs to get removed from my Equifax credit report as it is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I haven't been able to view my card in the app for months. Prior to this happening, I was able to view my debit and credit builder cards. This would show me exactly what was on my physical card, in case I didn't have my card with me and needed the info. Now I get an error saying it's unavailable. I have attempted all troubleshooting as I personally work in tech. I also advised the customer service agent who I talked to on XX/XX/year> that I've done the troubleshooting and the issue persists. The agent kept mentioning issuing me a virtual card. This isn't what I wanted as this would've been a different card number/CVV that would link back to my card, but wasn't the actual info on my physical card. This isn't what I wanted, nor was it going to solve the issue. I asked why this change, and the agent couldn't answer my question. At this point, I requested a supervisor, and instead was transferred right back into the customer service queue, which at that time, was 15 min long. I didn't appreciate the stunt that customer service pulled, nor did I appreciate my time being wasted, hence why I came through CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: 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 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 2024-07-31 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: TN

Complaint narrative:
I disputed inquiries on my consumer report and Equifax is giving misleading and deceptive practices saying they can not find my consumer report in there database. Equifax is in violation of 15 USC 1681 Fair Credit Reporting Act. Attached you'll see I was able to obtain my consumer report through Equifax. I disputed the inquiries on my consumer report because I'm a victim of identity theft because of Equifax data breach. Equifax refuses to remove the inquiries with manipulative deceptive practices therefore I consumer XXXX XXXX XXXX is entitled to compensation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: 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 : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX5 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 non-monetary relief
Consumer complaint received 2024-07-31 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: IL

Complaint narrative:
I need your help regarding an inaccurate account on my credit report. This error has negatively impacted my reputation, and I am reaching out for your assistance.

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: FL

Complaint narrative:
I am reaching out to your agency regarding the persistent inaccuracies on my credit report. Despite multiple attempts to resolve these issues and providing substantial evidence of discrepancies and inconsistencies in the reported accounts, you continue to assert the accuracy of your records.

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 2024-07-31 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have supporting documents and details enclosed to verify my identity and to support my dispute about these fraudulent accounts. These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all XXXX bureaus show that these accounts. I found incorrect addresses. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). I ask that the accounts listed below be removed because its in violation of The Fair Credit Reporting Act. I ask that the accounts and inquiries be investigated thoroughly and removed to restore my good credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CO

Complaint narrative:
First XXXX collection agency tried to falsely collect about a closed account and paid XXXX account. I've had the same phone # 20 years as I'm XXXX and use # for XXXX XXXX. If you have a bad account unpaid with cellular, they will refuse to " port forward " your # to new cellular company. Hence I have the same # 20 years, how did I get phone # released properly to new service? Because I paid all bills. XXXX admitted later this was 2 months after account was closed that a auto billing was generated and I should ignore it. When service was transferred, they said delay automatically generated bills sometimes occur. 
We ( CFPB ) justice fought XXXX XXXX for fraudulent representation, refusing to provide dated evidence of bills, any and all documents, and LOST! Then XXXX removed scam collection only to now fight XXXX collection agency it was sold to, repeating same scam! 
This is a telecom XXXX XXXX XXXX issue that was resolved by XXXX. Now 3 years later I'm fighting a XXXX collection agency on a {$40.00}. monthly cellular service. I worked my whole life to get great credit, mortgages, auto loans all paid in full, now a worthless scamming XXXX XXXX collection agency is destroying my credit for telecommunications services!!!! people need to go to prison!!! THIS WAS RESOLVED, READ PRIOR COMPLAINTS. XXXX and telecom phone services are not allowed to affect credit scores on people 's lives like mortgages!! I WANT THIS TO STOP!! Damages & penalties should be imposed on this XXXX XXXX agency AMSHER COLLECTION as they keep selling debts to new collection agencies after prior collections sell off. SCAM!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.

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 2024-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited a check however my aunt gave me it to deposit because I earned my degree. It has her name on it but she allowed me to deposit into my bank account because shes an older lady and doesnt have a bank account. She wanted me to keep XXXX $ for myself and give her {$1400.00}. The total of the check was {$2400.00}. I deposited in my Chase account and it ended going well no issues until XXXX days it was suppose to clear. My account got restricted and I comely use any of my funds or transfer. The deposit cleared the XXXX of XXXX and was in my account. Yesterday I checked my statements and said there was a DDa chargeback. I called chase and they need to verify my aunt however shes old and she had a prepaid phone. Its ridiculous, the lady on the phone stated they have this money cleared for me and to be issued out as a cashiers check but thats the only way to verify my aunt which is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I want these inquires to be deleted because i did not authorize these companies to run my credit its fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I want these inquires to be deleted because i did not authorize these companies to run my credit its fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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:
n 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 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 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 2024-07-31 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: MI

Complaint narrative:
my information was used fraudulent with my consent to open account under my name and social sercurity number.

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 2024-07-31 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: MI

Complaint narrative:
my information was used fraudulent with my consent to open account under my name and social sercurity number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/year> I received a XXXX figure wire into my business account ( $ XXXX ). The next day it was no longer listed as pending, so I submitted a transfer request online to move most of it to my personal account ( Balance approx {$1100.00} ). Within the hour both accounts had been frozen. Having been on the phone XXXX minutes, I was finally told that any direct deposits and autopay situations must be moved to another bank because these accounts would be under review for XXXX business days and then permanently closed. I was denied a reason for this action. Further, I am a widow with rent due and have no other resources. Chase continues to speak with me about this matter. The branch XXXX ( XXXX ) in XXXX sat with me on Friday, XX/XX/year>, and made several calls to ask about this matter. He received no answers either. XXXX requested a call to me from the corporate office to expedite the resolution of the matter that day. To date I have not received such call. Chase Bank is holding approximately $ XXXX of my money and giving me no answers. Someone along the way told XXXX I might expect a check in the mail by XX/XX/XXXX. 
Yesterday I sold my nice car to pay rent on time, as I have no other resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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 respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: PA

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think legally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Company response to consumer: Closed with non-monetary relief