vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report, I was shocked to learn that I have been a victim of Identity theft. I found numerous accounts on my credit report that were not open by me. That has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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 believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you verify the documents? Several accounts listed exhibit inaccuracies in reporting, including incorrect amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: IA

Complaint narrative:
I have requested scores from CHECSYSTEMS on 3 separate dates. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
All 3 scores were different. XXXX my score was XXXX. XXXX my score was XXXX. And in XXXX my score was XXXX and XXXX. 

My issue is NOTHING HAS CHANGED ON MY CREDIT REPORT. 
NO NEW ACCOUNTS. NO INQUIRIES. NOTHING HAD CHANGED BUT MY SCORE. 
HOW CAN MY SCORE CHANGE IT NOTHING ELSE HAS? This company also stated that they would remove incorrect information and did not. 
I was also told by the FDIC that my ChexSystem Score did not affect my consumer report and will not weigh on a bank 's decision of approval. I have numerous adverse letters from financial institution that directly contradict the FDIC 's statement.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Well I had taken a look at my consumer reports from all 3 credit bureaus and the information does not match 2 reports contained addresses I've never lived at and another report contains misspelling of my name that I have never gone by for instants I've never lived at XXXX XXXX XXXX XXXXXXXX Ca, nor have I ever lived at XXXX XXXX XXXX XXXX, Ca XXXX there 2 more addresses that I don't recognize, and I'm pretty sure that is against the law to be reporting inaccurate data on my report, I have only ever lived in one address my whole life Im very upset with my reports and strongly encourage the credit bureaus to confirm & Correct any misspelling of my name & Correct or Remove these addresses from my credit reports XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Well I had taken a look at my consumer reports from all 3 credit bureaus and the information does not match 2 reports contained addresses I've never lived at and another report contains misspelling of my name that I have never gone by for instants I've never lived at XXXX XXXX XXXX XXXXXXXX Ca, nor have I ever lived at XXXX XXXX XXXX XXXX, Ca XXXX there 2 more addresses that I don't recognize, and I'm pretty sure that is against the law to be reporting inaccurate data on my report, I have only ever lived in one address my whole life Im very upset with my reports and strongly encourage the credit bureaus to confirm & Correct any misspelling of my name & Correct or Remove these addresses from my credit reports XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: CT

Complaint narrative:
Hello my name is XXXX XXXX and I am trying to dispute a Debt Collection on my credit report. This week, I noticed there was a Collection started XX/XX/XXXX from Amsher Collection Services to XXXX for {$74.00}. I previously had XXXX XXXX until I joined with XXXX on XX/XX/XXXX. After calling the store of T-Mobile today XX/XX/XXXX they told me I had a debt of {$74.00} opened on XX/XX/XXXX for an Activation fee I was unaware of and on XX/XX/XXXX I had transferred my phone number and services. At the time of this event I was coming back from being Active Duty stationed overseas and I was unaware of this charge of {$74.00}. Is there any possible way to get it removed or cleared since I was unaware of the charge? Thank you respectfully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: Experian Information Solutions Inc.
State: NC

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 explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc
State: MO

Complaint narrative:
I receive calls from them daily and they dial my number anywhere from 25 to 45 times over the XXXX span only minutes right around XXXX XXXX  every XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: KY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
CFPB Complaint Letter Regarding Synerprise Consulting Agency XXXX XXXX XXXX Email Address : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX RE : Complaint Regarding Synerprise Consulting Agency Dear CFPB, I am writing to file a complaint against Synerprise Consulting Agency concerning their debt collection practices. They are claiming I owe them a debt, and I am disputing this claim in its entirety. 
Dispute of Debt and Revoking Communication I dispute owing Synerprise Consulting Agency any money.

I am revoking all consent for them to communicate with me through email, text messages, or calls. 
Request for Validation and Documentation I am requesting a validation of the alleged debt, including the original purchase agreement between XXXX XXXX XXXX and the original creditor. 
I request proof that Synerprise Consulting Agency is a licensed and bonded debt collector as req

uired by 12 CFR 1006.34 B5, 12 CFR 1006.34 C4i, and 12 CFR 34 ( d ). I also request proof that they are compliant with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1681 S-2 7a, particularly regarding the communication restrictions. HIPAA Violation and Lack of Proper Notice I have no
t consented to anyone sharing my medical information with Synerprise Consulting Agency. 
I never received a five-day notice prior to collection activities, which is a violation of my rights under the FDCPA. 
I was unaware of this alleged debt and did not have an opportunity to dispute it before collection actions began. 
Request for Proof of Notification If Synerprise Consulting Agency claims they sent a five-day notice, I request a copy of the certified receipt with my name on it as proof of delivery.

Impact and Damages Synerprise Consulting Agency 's actions have been malicious and have negatively impacted my reputation and creditworthiness.

Desired Outcome I request the CFPB to investigate these allegations and ensure Synerprise Consulting Agency ceases all collection activities and removes any inaccurate information from my credit report. I would also like them to confirm my right to not be contacted further. 
Thank you for your time and attention to this matter. I look forward to your response and a resolution to this issue. 
Sincerely, XXXX XXXX XXXX XXXX ( ID and proof of address )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo XXXX XXXX XXXX, shows one late payment on XX/XX/2022. This account was paid and requested to pay total balance down to zero balance, due to computer error it did not pay full balance in XX/XX/2022 and was never late in XXXX. Please remove the 30 day late payment, I have perfect payment history.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-26 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: VA

Complaint narrative:
These accounts are reporting fraudulently. This account is not mine.

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 2024-04-26 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: VA

Complaint narrative:
These accounts are reporting fraudulently. This account is not mine.

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 2024-04-26 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: PA

Complaint narrative:
My understanding is that FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.

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 2024-04-26 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: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-04-26 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: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
A XXXX credit card was opened via identity theft in my name in or around XX/XX/XXXX. I ( inaccurately ) assumed the information I received about the credit card was a scam. After payment was not made on the credit card, it was sent to a debt collector ( midland credit management ) on XX/XX/XXXX, with a balance of {$990.00}. 
I contacted MCM in XX/XX/XXXX to dispute the charge, as it was fraudulent. They opened an investigation and found the charges to the card to be accurate. I was notified on or around XX/XX/XXXX. Well, yes, someone did use the credit card, but it was never me. They still expected me to make the payments to the {$990.00}. 
They listed next steps in order for them to continue their investigation. Steps included completing an FTC fraud affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: MS

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-29 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: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
This account according to the creditor was opened on XX/XX/year>. I do not know this account and never opened an account with XXXX XXXX XXXX XXXX XXXX. This account does not belong to me and this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I wanted to open an account with Bank of America and they said that I had a {$700.00} debt I had to pay before opening an account. I do not recall I had this debt nor do I recognize it.

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 2024-04-26 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello I noticed unauthorized and unrecognized inquiries on my credit report that I would like removed. I contacted each of these companies and I dont have an open account with them. 


These companies ran my credit unauthorized and I need them removed Please. 


JPMCB AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation