vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this 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
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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: WI

Complaint narrative:
I have contacted Experian on numerous occasions and sent them dispute after dispute in regards to the following non authorized inquires XXXX XXXX requested on XX/XX/XXXX XXXX requested on XX/XX/XXXX XXXX XXXX requested on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX also they have my address incorrect it is XXXX XXXX XXXX  XXXX, WI XXXX not XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, WI XXXX XXXX Experian Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX TX XXXX To Whom This May Concern, I am writing to request the removal of unauthorized credit inquiries on my Experian credit report. My latest credit report shows 4 credit inquiries that I did not authorize. I have inquiries that need to be removed, they are fraudulent and I dont recognize them. I noticed unauthorized inquiries on my credit report and I noticed that someone must have applied for something in my name. I have sent several disputes to remove these hard inquiries, they are fraudulent and I want you to get them removed. Due to the Fair Care Reporting Act legally these unverify and unauthorized items must be removed. I dont know why you havent received these letters and I dont know why you havent received my notification, but I am telling you right now that they are not mine and they need to be removed right now. 
At this time, I am requesting that you launch an investigation into the inquiries by all creditors listed on my inquiry page to determine who authorized it. If you find that my claim is true and the inquiry is invalid, I am requesting that it be removed from my credit report and an updated copy of my credit report be sent to the address listed above upon resolution of the investigation. If you find that the inquiry is valid, please send me proof along with a description of your investigation procedures within 30 days of the closure of this dispute. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
For a few months, XXXX has not been reporting my active mortgage with Mr. Cooper as the servicer of my mortgage. I've contacted Mr. Cooper, and they claim that they have taken up the matter with XXXX and that it is XXXX 's policy to delete these matters at will ( a charge that XXXX has denied having ). XXXX states that any file is only deleted upon the creditor 's request. 

Please see the attached response from Mr. Cooper. 

Nevertheless, I need assistance in this matter since the absence of my mortgage listing on XXXX is causing me a lower credit rating. Furthermore, this delay is preventing me from purchasing a new car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
A credit card that I don't recognize was opened up under my name. I only have XXXX XXXXXXXX and XXXX  credit cards, but XXXX XXXX and XXXX both say that I have a JPMCB card services ( which doesn't belong to me ). I have filed two disputes with XXXX, but both of them got rejected and they aren't doing anything to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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 XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, has violated my rights 15 USC 1881 section 602 A. States I have the right to privacy.

15 USC 1681 Section 804 A Section 2 : It also states a consumer reporting agency can not furish a account without my written instructions 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 16818-2 ( AX1 ) A person shall not fumish 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 2023-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
About a week ago I noticed a ACH transfer from my business bank account to XXXX XXXX for {$300.00} on XX/XX/XXXX. Which wouldn't normally think was strange because we have an XXXX card that we make payments on frequently, but I remembered seeing a transfer to XXXX for {$400.00} on XX/XX/XXXX. Then I looked deeper and found another {$300.00} was taken out on XX/XX/XXXX. Then I searched my account for all XXXX XXXX transactions, that showed XXXX unauthorized transactions that total around {$26000.00}. The address for the transfer ( ID : XXXX ) is the same for the unauthorized transactions and the authorized transactions, so the money was sent to XXXX. I contacted my bank and XXXX XXXX. My bank said they would investigate it and could have the funds back to me in 10 days. Then I called a few days later to check back on my claim and they said they had no record of my claim and after I gave them the information again they said to expect to hear something in 30 days. Today I called for an update and again they didn't have any idea what I was talking about and had to give them the information again. This time they said it would take at least 60 days till they even start an investigation. I'm a small business and this missing {$26000.00} could put me out of business before the 60 days. XXXX says they have no record of the transactions and says it's the banks issue and not theirs.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
For a few months, Equifax has not been reporting my active mortgage with XXXX XXXX as the servicer of my mortgage. I've contacted XXXX XXXX, and they claim that they have taken up the matter with Equifax and that it is Equifax 's policy to delete these matters at will ( a charge that Equifax has denied having ). Equifax states that any file is only deleted upon the creditor 's request. 

Please see the attached response from XXXX XXXX. 

Nevertheless, I need assistance in this matter since the absence of my mortgage listing on Equifax is causing me a lower credit rating. Furthermore, this delay is preventing me from purchasing a new car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello, I have a credit card name XXXX on my credit report which is not opened by me its and fradulent account that shows on my credit report. Please remove the fradulent XXXX credit card account.XXXX credit card is fradulent account opened on my name

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 2023-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: ND

Complaint narrative:
The loss mitigation company is dragging out the process to resolve the issue. I know they will assign someone to go through and look at their logs to confirm everything so I'm not going to waste my time entering dates in detail. On XX/XX/ they said it would be 30 business days to get the final loan paperwork to us for the modification. The week prior to XXXX XXXX, they said documents would be sent on the XXXX, however, I called back around the XXXX and they had not. They just make excuses that it's being processed and it takes longer some time. As they have the entire time when waiting on them. Now I'm making payments through their automated payment method and it's costing me money waiting on them. I can't make a payment through my bank because it doesn't reflect in the system. I can't mail a payment because I don't trust it will make it. Dovenmuhle has sent time-sensitive documents that show up well after the action date on the document. I just want them to get it done, and move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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: CO

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.

The letters are stated with items and issues.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX ( XXXX ) : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, have violated my rights. 

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 an 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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX [ EXPERIAN ] [ XXXX ] [ XXXX ] To Whom It May Concern : I am writing to dispute an unauthorized credit inquiry on my credit report. The inquiry was made by [ XXXX XXXX XXXX XXXX [ XX/XX/XXXX ]. 
[ XXXX ] on [ XX/XX/XXXX ] [ XXXX ] on [ XX/XX/XXXX ] [ XXXX XXXX XXXX XXXX ] on [ XX/XX/XXXX ] [ XXXX XXXX ] on [ XX/XX/XXXX ] [ XXXX XXXX ] on [ XX/XX/XXXX ] [ XXXX XXXX ] on XXXX XX/XX/XXXX ] [ XXXX XXXX XXXX / XXXX XXXX XXXX [ XX/XX/XXXX ] I did not authorize this inquiry and believe it was made in error. 

I request that this inquiry be removed from my credit report as it is negatively impacting my credit score. I have attached a copy of my credit report.

I am aware that under the Fair Credit Reporting Act, you have 30 days to investigate my dispute and respond with your findings. I request that you notify the furnisher of this inquiry and request that they remove it from my credit report as well. 

If you find that this inquiry was made in error, please remove it from my credit report immediately. Please provide me with a written response when the inquiry has been removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
Aspire card closed my credit card account back in XX/XX/2023 after refusing to remove charges that were fraudulent..they refused to re open the account but are still sending me correspondence asking for details of transactions fated XX/XX/2023 saying a new card would be mailed to me. Why did they do this if they arnt opening the account? Iam going to sue aspire card for discrimination if this account isn't reopened. Those charges were fraud and I'm not responsible for them. I was in good standing before this happened. I had reported the fraud in a XXXXXXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OK

Complaint narrative:
Upon receiving copies of my credit reports I found this debt from XXXX. Other names included XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The collection agency name was Jefferson Capital Systems. I have sent debt validation letters to multiple addresses and have gotten no validation. XXXX sends me letters back stating they sold my debt to Jefferson Capital Systems, Jefferson Capital Systems claims they can not validate and will close my account and stop trying to collect the debt. I do not recall ever getting a XXXX account or approving these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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: CO

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. 

The letters are stated with items and issues. 

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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:
Hello, I have a credit card name XXXX on my credit report which is not opened by me its and fradulent account that shows on my credit report. Please remove the fradulent XXXX  credit card account.XXXX credit card is fradulent account opened on my name

Company response to consumer: Closed with explanation