vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 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: NJ

Complaint narrative:
I looked at my report back on XX/XX/XXXX and noticed inaccuracies and incorrect information unauthorized charges and fraudulent transaction reported. I had multiple variations of my first name and last name as well as names that are not mine reported on my credit record. I sent a letter to the credit bureau on XX/XX/XXXX, and asked them to investigate in but the problem is still remains unfixed. Please address this matter, as I do not know what to do in order for them to report accurate information on my credit report. 

I also saw some hard inquiries that were unauthorized. These inquiries have negatively impacted my XXXX XXXX and financial standing. 

Below, I have listed the unauthorized hard inquiries along with their respective dates : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian I did not apply for any credit or authorize any companies to access my credit information on the mentioned dates. Therefore, I kindly request that these unauthorized inquiries be promptly removed from 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 non-monetary relief
Consumer complaint received 2024-05-29 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: NY

Complaint narrative:
MY NAME XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX todays date XX/XX/XXXX I looked and noticed on my credit report fraudulent inquiries I ask for these fraudulent inquiries to be immediately deleted and removed from my credit file I will list inquiries below thank you INQUIRIES : XXXX XXXX NA Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX 12 U.S. Code 5534 - Response to consumer complaints and inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
My payments on this account have always been punctual, and I've never allowed them to be overdue. I'm unsure why there are reports of late payments on my accounts. Per 15 USC 1666b, the billing error should be rectified.

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 2024-05-28 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: I.C. System, Inc.
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX XXXX, Missouri Laws Dear I.C. SYSTEM, INC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as XXXX XXXX XXXX Missouri XXXX  XXXX and fraud laws. 

It has unequivocally come to my attention that I.C. SYSTEM, INC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri statutes specifically address the unauthorized access and misuse of personal information, which is considered a serious offense under XXXX identity theft laws. 

I assert with unwavering certainty that I have not provided consent for I.C. SYSTEM, INC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX. SYSTEM, INC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that I.C. SYSTEM, INC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, 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 2024-05-28 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: The CBE Group, Inc.
State: AL

Complaint narrative:
THESE ACCOUNTS ARE INCORRECT AND REPORTING FRAUDULENTLY DUE TO IDENTITY THEFT! I HAVE FILED SEVERAL COMPLAINT 'S WITH BBB, CFPB, POLICE DEPARTMENT, AND ID THEFT REPORT. PLEASE DELETE THIS ACCOUNT ASAP!!!!! THANKS XXXX XXXX {$1100.00}, XXXX XXXX {$92.00}, XXXX. XXXX XXXX {$180.00}, CBE GROUP {$820.00}, XXXX XXXX {$1600.00}! PLEASE DELETE THESE FRAUDULENT ACCOUNTS. THANKS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: I.C. System, Inc.
State: AL

Complaint narrative:
THESE ACCOUNTS ARE INCORRECT AND REPORTING FRAUDULENTLY DUE TO IDENTITY THEFT! I HAVE FILED SEVERAL COMPLAINT 'S WITH BBB, CFPB, POLICE DEPARTMENT, AND ID THEFT REPORT. PLEASE DELETE THIS ACCOUNT ASAP!!!!! THANKS XXXX XXXX {$1100.00}, XXXX XXXX {$92.00}, I.C. SYSTEMS INC {$180.00}, XXXX XXXX {$820.00}, XXXX XXXX {$1600.00}! PLEASE DELETE THESE FRAUDULENT ACCOUNTS. THANKS

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 2024-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
XXXX company online were deliberately misleading advertised. i spoke to a salesman XXXX. XXXX via phone XXXX company recorded this conversation.. 
XXXX XXXX at XXXX after hours. i signed an agreement that XXXX knew they could not fulfill due to false advertisement. 
after i signed then they sent me the house rules and contract agreement.. 
realized there was a mistake and a miss understanding. 
XXXX XXXX i emailed and called salesman XXXX XXXX and XXXX account help desk for a termination within XXXX hours less then XXXX hours. 
with no response. 
i made a complaint with the Consumer protection division office of the attorney general.. 
that has submitted a citation against XXXX and i was asked to appear in court if needed. 
XXXX illegally sold my information to XXXX XXXX XXXX XXXX. 
and now for a second time to XXXX XXXX XXXX XXXX firm trying to offer XXXX  % lump sum settlement and threaten " including but not limited to filing a lawsuit " i Disputed the debt in writing and request that they provide validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: TX

Complaint narrative:
I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXXXXXX XXXX  account number XXXX. They did not provide me with the original contract as requested.

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 2024-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Transunion : [ 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 non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Johnson Mark LLC
State: OR

Complaint narrative:
I called the number they gave me, Johnson mark LLC attorneys at law ... they said there is nothing I can do about it. I looked at my credit report only had XXXX credit cards. They have taken now over XXXX, and the state of Oregon is allowing them to take 75 % of my check. XXXX. {$1600.00}, XXXX. {$3600.00}, XXXX. XXXX XXXX. {$2400.00}, XXXX. {$2700.00} XXXX. {$770.00} XXXX. {$3600.00} XXXX. Another {$2400.00}... when I moved to Oregon I only had XXXX credit cards, XXXX XXXXXXXX XXXX... XXXX for XXXX, and XXXX. And a XXXX card, XXXX... I had to use them until I got a job, then started to pay them back, then lost my job, then 3 months later got a job, then the suing began. Please help, I put a freeze on my reports. I called and talked with XXXX, and he said I had to pay the debt anyway. He was rude, and said I owed the money. Now I no longer get served Oregon ( XXXX XXXX ) just puts them through with no problem. They won't allow me to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am unfamiliar of this debt, I was not afforded the opportunity to dispute this information. If in reality you believe you gave me the proper notification of this matter. Then please send me the certified receipt, of received mail with my name on it. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My account was being managed by a XXXX XXXX XXXX, the advisor took my account offline after an argument after he did not pay my credit card bill, making me be behind on credit cards even till now, as it was something always paid from my account, the advisor closed my account and moved my stocks to holding companies, making it very hard to assess money, as I have to have documents and receive checks in the mail, also depositing checks from my stocks has been placed on hold multiple times by Bank of America, when all my checks come from stocks I previously held in a financially advised account, I have now tried to open a XXXX edge account to be told, I had a restriction on my account, which the banker told me he would email compliance and would let me know in two days, that was XX/XX/XXXX, I have not heard from the bank nor compliance about opening a XXXX edge 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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Despite the FCRA 's requirement for accurate reporting, there are discrepancies present on my credit report that do not reflect my true financial standing. 

As a consumer, I have the right to ensure that my credit report is free from errors and reflects my creditworthiness accurately. Inaccurate information can have detrimental effects on my ability to obtain credit and may result in unfair treatment in financial transactions. 

I request a thorough investigation into the inaccuracies on my credit report and prompt correction of any errors. It is imperative to uphold the standards of accuracy and fairness outlined in the FCRA to maintain the integrity of consumer credit reporting.

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 2024-05-28 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: CITIBANK, N.A.
State: MA

Complaint narrative:
From XX/XX/24 to XX/XX/24 I have 7 inquiries on my credit report not made by me. They are with the companies XXXX XXXX XXXX, XXXX with XXXX XXXX XXXX XXXX XXXX Citi Bank, XXXX XXXX and XXXX XXXX. None of these were made by 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 non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
I ensure all payments on this account are timely, never letting them go overdue. I'm not sure why there are late payment remarks on my accounts. Based on 15 USC 1666b, this billing error should be corrected.

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 2024-05-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
FCRA 605B necessitates the removal of any erroneous accounts from my credit report. These accounts inaccurately represent the reporting. I should be compensated {$1000.00} for each mistaken report on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: FL

Complaint narrative:
It seems that FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you verify the documents? Some accounts listed have reporting inaccuracies, 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 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Friday, XX/XX/XXXX, my debit card was declined. I called the Chase phone number on my debit card and asked why, and the Chase employee told me that my account is being closed, he can not tell me why. I asked if I could close my account in a branch and receive my funds, and the employee said yes. 

I went after work to the Chase branch on Friday XX/XX/XXXX and spoke to a banker there. He said that my account is being closed, he can't tell me why, and that I will receive my money within 10 calendar days. He was specific that it was 10 calendar days. I asked him because it was strange for him to say that, but he confirmed it. He said I would receive a check and an explanation for the closure. 

Today is XX/XX/XXXX, 11 calendar days later. I have not received the check in the mail. I went to the branch and spoke to another banker, and he said the previous employee was mistaken, and that I would have to wait 10 business days for the account to close, and then receive a check in the mail after that. How many times is Chase going to lie to me? How long will I have to wait.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I am not liable for this debt with XXXX. I do not have a contract with Southwest Credit Systems , LP account number XXXX. They did not provide me with the original contract as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The bankruptcy is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The bankruptcy 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 2024-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I believe to be a victim of identity theft since XXXX I got a call from Wells Fargo bank in XXXX stating I may have a settlement for fraudulent account 's made in my name. I also got some information from a source that I may have an inheritance that was taking from me also and maybe some crimes in my name. I believe it's a group of XXXX individual 's involved. I believe it's a XXXX XXXX lives in Florida and one of these people I was involved in a relationship with. XXXX possible names I XXXX have is the married couple XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX should show pictures of the couple.

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 2024-05-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The company stated would delete the tradeline from the consumer report did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

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