vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: NE

Complaint narrative:
Due to XXXX  identity theft and XXXX  on my person, there are fraudulent charges in the XXXX  on US Bank credit card.

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 2024-08-06 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: MS

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 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 2024-08-06 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: NM

Complaint narrative:
An inquiry was made by XXXX XXXX XXXX XX/XX/XXXX and reported to Experian. I did not make this inquiry. My account at XXXX XXXX  was open on XX/XX/XXXX. I already had an account for my car, and did not make this inquiry. I did not give XXXX XXXX permission to look at 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 2024-08-06 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: VA

Complaint narrative:
Im not liable with this debt with XXXX XXXX XXXX. I do not have a contract with this collection agency XXXX XXXX XXXX. They did not provide me with the original contract as requested. 

Correction to my credit report. I demand this company be removed from my credit report. 

15 USC 1681 FRCA SECTION 605b

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 2024-08-06 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: NC

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I checked my consumer report and noticed addresses that are not mine and that I have never lived nor dwelled at being reported to my consumer report and associated with my name. I have requested for these unauthorized addresses to be removed from my report as they are being housed and shared without my consent. FCRA states that only accurate authorized information is to be reported to my consumer report. Please remove the following addresses listed below from my consumer report being they risk my personal information being exposed and accessed without my consent. 

Please remove : 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

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
SETOYOTA FIN DBA XXXX XXXX XXXX XXXX ), has violated several of my rights. 16 U.S.C 1681 section 602 A. Clearly States that 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of serval laws under The Fair Credit Reporting Act. 
Consumer disputes this account information Collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: J J Marshall & Associates, Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX [ EXPRESSED DATE : XX/XX/year> ] JJ Marshal & Associates XXXX XXXX XXXX XXXX, MI, XXXX Subject : Urgent Demand for Validation of Debt and Immediate Cease and Desist To Whom It May Concern, This letter serves as a formal and urgent demand for JJ Marshal & Associates to immediately cease all communication with me regarding the alleged debt JJ Marshal & Associates is claiming. JJM & A continued reliance on statements as evidence of this debt is wholly insufficient and contrary to established case law. The ruling in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, clearly sets forth that mere statements do not constitute adequate proof of a debt. Therefore, I reject any assertions made by JJM & A agency based on these invalid documents. 

Moreover, I must address my previous cease and desist notice, which you have dishonored by your ongoing communication, particularly via credit reporting. I want to make it explicitly clear that a consumer report is indeed a form of communication. My cease and desist directive encompasses all modes of contact, including reporting this alleged debt to consumer reporting agencies. By failing to remove this information from my consumer reports, you are in clear violation of my rights as a consumer. 

Therefore, I am demanding the following actions be taken immediately : 1. **Cease all forms of communication regarding this alleged debt. ** 2. **Immediately remove any and all references to this alleged debt from my consumer reports. ** Your failure to comply with these demands will compel me to take further action, including, but not limited to, filing formal complaints with the Federal Trade Commission ( FTC ), as well as seeking legal counsel to protect my rights. I will not tolerate any further harassment or attempts to collect on a debt that has not been validated according to the law. 

I expect a written confirmation of your compliance with these demands within 15 days of receipt of this letter. This matter is serious and requires your immediate attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been contacting Experian for the past four months, I have no resolution to remove inaccuate address on my credit report. I have called Experian and spoke to a rep on XX/XX/XXXX removing my address. The rep stated I will need to send my identification such as driver 's license, copy of ssn, and a bill. I sent certified mail in XXXX the documents. Then, I received an email that stated my credit report has been updated. It was not. I sent another certified mail with different documents-copy of my cable bill, copy social security number, and my lease. XX/XX/XXXX, I received another email stated the results of the processing of your dispute ( s ) are now available. View the results instantly online. My results was not 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 explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On or about XX/XX/year>, Sofi bank froze my joint savings account containing a balance of over {$10000.00}. Despite repeated inquiries, the bank has failed to provide any justification for this action. 

Steps taken to resolve the issue : On XX/XX/year> my wife contacted SoFis customer support. She was informed that the issue would be fast-tracked to the complaints department. However, no action was taken on SoFi 's part. On XX/XX/year> I called SoFis customer service department. Despite my efforts, nothing was resolved. On XX/XX/year> ( approximately ) I called SoFi once more, but the issue remained unresolved. It is not XX/XX/year> and SoFi has not provided any resolution or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have now left at least 5 emails with questions needing a reply. I feel like this is old times back during COVID. There was always something new happening from day to day. Today XXXX delivered a huge box of paperwork. I have no intentions of going through that mess. I have the questions that still need to be replied to. 

I dont care what anyone says there But you are all covering up something. First off when I am sent anything by your bank it comes XXXX XXXX XXXX sign on delivery and not a single letter arrived from you from the day I sent my police report in XX/XX/XXXX The next time I heard from you again was when the two claims came back and then there were three and now thee are 11 brand new ones 1.Who authorized the claims to be opened from XXXX XXXX XXXX XXXX  were opened. 
2 Why am I still locked out of online banking with an error message saying wrong XXXX XXXX XXXXXXXX Who is in my account?? 
XXXX. XX/XX/XXXX I was emailed a copy of transactions many of them were double some were triple and some up to five debits on a single transaction I need that explained to me. 
XXXX. XX/XX/XXXX The very same copy of transactions arrived XX/XX/XXXX XXXX sent it the XXXX pages. Why is her copy dated after mine and missing all the double debits triple debits?? Where did they go? Is it legal to change a bank document like this just go and erase transactions? 
6. I spent most of the weekend trying to find what I could from 4 years ago and This is all the same items you already have that has gone missing since the second or third week in XXXX. So where did my items go? 
7.The police report?

8. The original card from the XXXX XXXX XXXX. 
9 FTC affidavit I have sent you a few things so you can rule this fraud. You should have done it long ago. 

So I need direct answers to the above questions please

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 2024-08-06 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:
Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1500.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information 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 2024-08-06 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-08-06 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: Financial Recovery Services, Inc.
State: PA

Complaint narrative:
These accounts need to be removed and deleted off my credit reports immediately. It is evident that these fraudulent accounts were orchestrated with malicious intent, as they were intended to harm my personal credit and financial well being. If not removed, Ill have no choice but to sue for multiple violations under the FCRA and FDCPA in which under 15 USC 1692k civil liability will be in affect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated several of my rights. 16 U.S.C 1681 section 602 A. Clearly States that 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of serval laws under The Fair Credit Reporting Act.

Consumer disputes this account information Collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated several of my rights. 16 U.S.C 1681 section 602 A. Clearly States that 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of serval laws under The Fair Credit Reporting Act.

Consumer disputes this account information Collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Macys account that appears on my credit report that has been giving me a hard time. I have been asking for verification of the account because I did not open this account and I need either proof of to see who is the person that opened this account is, because it was not me and their verifying saying that it is verified as mine so I want to see the proof because I did not opened that account if they can not provide me proof I need this account removed immediately. 

XXXX, XXXX. 
Account # : XXXX Also, after writing my last dispute and sending it via certified mail with return receipt, I failed to get a response within 30 days

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 2024-08-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
In the past I had an account with Progressive insurance. While with them I was on an auto-pay and never missed a payment. However, something happened in their system and auto-pay was cancelled without my knowledge. 

I received a notice stating that my insurance coverage had been cancelled and that prompted me to get a new policy. I did not receive any communication from Progressive about why it was cancelled or that I had a balance, and I did not realize that they had sent me to collections with Caine & Weiner. 

Since this collection was of no fault of my own, I am requesting that Caine & Weiner immediately remove it from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: MA

Complaint narrative:
XXXX account in collection. This is not my account account it says I opened in XXXX which I have is untrue I have not opened an account with XXXX. This is not my accounts or account was opened fraudulently!!

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 2024-08-06 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: NV

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 2024-08-06 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: CA

Complaint narrative:
I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : 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

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