vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-27 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XX/XX/XXXX under the account number ( private ), a personal credit card account opened at XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of therefore mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I rented at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX - At their XXXX XXXX for eight years. They sent an {$890.00} debt to National National Credit systems because they allege my cat damaged the carpet. 

I was there for eight years and can prove that. Damages to carpet are normal after eight years. They said it was because of cat pee. When National Credit systems contacted me the SECOND TIME after I told Them to STOP, they sent a copy of the lease. This does nothing to prove these damages or that I am liable for them & I told them to stop. 

Residence at XXXX XXXX XXXX  XXXX XXXX, XXXX CO XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. 
The same carpet was there the whole time. 

National Credit Systems address is XXXX XXXX XXXX. XXXX GA XXXX Although their original correspondence was from XXXX CA. 

Legal aid said I could ask them to stop. I sent a note to that effect & they contacted me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My account with the following occupancies were never late! I have had exceptional payment history witH XXXX  XXXX 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 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.

The following companies 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: MI

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card collections accounts opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Please see attached documents Thank you

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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was asked to file a a police report with my account financial advisor showing a dispute with a XXXX affidavit with a report on my XXXX  but we had a fraudulent review error from my XXXX XXXX XXXX XXXX XXXX. I have to guide my report with a transcript from my compromised account from XXXX data breach considering it was a compromised account from cloud servers with my identity theft affidavit police report. XXXX XXXX was a hacker from the account. I was asked to file a policy claim with my consumer attorney XXXX XXXX showing identity theft fraud alert. My claim will have to contact the credit bureau for claim number with the insurance claim policy. I also want to file a report regarding my account not showing a dispute from my email on my XXXX  website from my square up account and text now business account recovery account phone passwords were compromised from a spy not showings on the 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 2024-10-27 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: OH

Complaint narrative:
All three Credit Reporting Agencies have violated my right to privacy. 15 USC 1681 section 602. According to 15 USC 1681 section 604 ( a ) ( 2 ), I have not given my written consent to neither one Credit Reporting Agency to furnish my personal information. Lastly, they are all in violation of 15 USC 1668 ( b ). A creditor may not treat a payment on a credit card account under an open end consumer plan as late.

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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This evening, I checked my credit report and was shocked that there were late payment remarks inaccurately reporting on my credit report. Please check the documents I've sent regarding this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: OH

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 explanation
Consumer complaint received 2024-10-27 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:
This afternoon, I was shocked to find inaccurate accounts on my credit report, and I have no idea how they got there. I check my report regularly, so seeing these errors come up out of nowhere was completely unexpected. I even tried refreshing my browser, hoping it was just a glitch, but the inaccuracies were still there. Because of this, Im requesting that the documents Ive sent be reviewed thoroughly so I can finally have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS

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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS

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 2024-10-27 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card collections accounts opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX opened on XX/XX/XXXX, under the account number ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX, under account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Please see attached documents. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX continues to report inaccurate and incomplete information for account number : XXXX / vehicle : XXXX XXXX XXXX as having a late payment during XX/XX/XXXX nearly a year after the account was paid in full during XXXX XXXX Bankruptcy. These actions continue to have detrimental and negative impacts on my credit scores and credit reports across my credit file with multiple agencies. As to date, XXXX XXXX XXXX XXXX has refused to correct the information or delete the credit file. During multiple credit disputes, XXXX XXXX XXXX XXXX has stated the account was reporting as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: GA

Complaint narrative:
After reviewing my credit report, I discovered items that I did not recognize or apply for. Upon further investigation, I realized my personal information was exposed in more than one data breach. I have no recollection of applying for this account in question as they are negatively impacting my credit. I am demanding this account be removed from my credit report ASAP

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 2024-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank. Apparently someone supposedly closed one of my accounts. I had to open another one but it seems someone tried to take that one over too and fortunately failed. I need to recover all of my accounts at Chase Bank. I will not be harassed or coerced into doing anything morally or ethically questionable to acquire my own financial accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> my vehicle was wrongfully repossessed by wells fargo while I was at work. I have never had wells fargo so i was extremely confused when I found out from the towing service that wells fargo had repossessed my car. I had to take time off work to call well fargo and even go to a branch in person of which didn't help as nobody understood how they repossessed my vehicle when I had never authorized an account with them. after 2 weeks I was able to speak with someone in head management at wells fargo and they had the towing company to drop the car off at my apartment. I had also asked wells fargo for a letter explaining their error as it was extremely humiliating to have my car repossessed in front of my job and in front of my coworkers and i also asked them to pay my transportation as they illegally kept my car for almost 3 weeks as it took them time to verify account was fraudulent and not mine. Not only did they not provide the letter or payment but my vehicle was repossessed for a second time shortly after as whoever was working on the case did not close it properly. I was without a car and once again had to go through the process of calling wells fargo and explain to the representative that they wrongfully took my vehicle. Once again they delivered car to my apartment and completely ignored all my requests and ran off. Now that I am seeing that wells fargo is going through the ringer for fraudulent accounts it proves the fact that what they made me go through was a product of fraudulent play within the company. I have both the previous case number and multiple emails sent to wells fargo with reciepts of transportation charges and letter from employer regarding day off from work. 

Case # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-27 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:
The following accounts have never been late. Please check the documents as there should have been no late payment remarks.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I attempted to end a security freeeze on Experian using both their online portal and over the phone. 

The phone support was completely automated ( I was completely unable to get to a real person even after spending 2 hours and researching online ). I did have the freeze PIN which should have been enough to get me to unfreeze my account but it would just tell me to use the website ( even after a used a valid PIN ). 

On the website itself, it is accepting my username/password but then forces me to request a credit report to proceed. At this step, on providing my info to do so, it shows a server error with not further explanation on why it happened. It simply gives the support number. 

I have also tried to upload documentation as suggested on their site to proceed XXXX XXXX XXXX Researching online, I was told that there were quite a few other people in the same situation who were forced to get pay up for a premium account to be able to then unfreeze their account.

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