vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 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: WA

Complaint narrative:
I strongly desire not to have this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: WA

Complaint narrative:
XXXX begging you please remove this to 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 2024-08-14 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: AZ

Complaint narrative:
Request for Immediate Removal of Fraudulent Account [ XXXX ] I am writing to formally request the immediate removal of fraudulent account from my credit report. The account in question is with XXXX XXXX XXXX XXXX, bearing the account numbers- [ XXXX ]. I have included a Federal Trade Commission ( FTC ) Identity Theft Report that documents the fraud Also a XXXX referral. form XXXX to the Gramm-Leach-Bliley Act and 15 USC 6802, it is your obligation to ensure the privacy and accuracy of my personal financial information. Maintaining this fraudulent account on my credit report is a clear violation of these statutes and causes undue harm to my credit standing. ( MY FTC REPORT NUMBER IS XXXX ) Please confirm in writing that this account has been removed and provide me with an updated copy of my credit report. If this matter is not resolved promptly, I will have no choice but to escalate this issue further. 
Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.

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 2024-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: ID

Complaint narrative:
On XX/XX/year> I went into XXXX XXXX XXXX  in XXXX, ID. I explained that I had just had a problem with XXXX XXXX not honoring the monthly rate they quoted me. I was told XXXX XXXX XXXX was having a special, no enrollment fee and {$9.00} per month no obligation, quit whenever you wish. The young kid representing XXXX XXXX XXXX asked me to sign tablet which I told him I did not have my reading glass and he said he would explain everything to me which at that time makes it a verbal agreement. Furthermore I was able to get a copy of the agreement but reading glasses or not the font is so small that it is unreadable also making agreement invalid. I then discovered I was being asked to pay {$63.00} a month which is a great deal above the agreed upon amount of {$9.00}. I don't want to deal with a business with low morals or ethics so I exercised my right to cancel at the end of the month. Then I was threatened by XXXX XXXX XXXX to continue paying or I would be turned to collection. I then got a letter from Aldous & Associates demanding payment. I exercised my rights per the FDPCA and disputed the debt. I never heard from them again. I finally after a year through out everything I had on XXXX XXXX XXXX and Aldous & Associates thinking the matter was concluded. I then a couple months ago discovered they have reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under XXXX5 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: IL

Complaint narrative:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 explanation
Consumer complaint received 2024-08-14 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: MA

Complaint narrative:
I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of XXXX and 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 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I, : XXXX :, XXXX, am, a " XXXX '' ( see 8USC1408 ) on XX/XX/year> at approximately XXXX arrived at Chase Bank XXXX XXXX XXXXXXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Tel XXXX 
XXXX to open a " private '' personal checking account. Upon arrival I, : XXXX : spoke with the banking representative and produced my XXXX XXXX XXXX, United United States of America, three star, XXXX and card. I also provided a affidavit of true identity along with a power of attorney, notice of fiduciary relationship, and notice of fiduciary relationship of financial institution. I clearly informed the representative that she will not understand my status as a " XXXX '' and advised her to get the banks manager. The bank manager came into the office and I clearly explained the situation and informed her to present my documentation to the legal department for review. Both the manager and the representative " refused '' to accept my passports and refuse to read the documentation and also refused to present my documentation to the legal department. 
I clearly informed them both, that, If, I, : XXXX :, XXXX, leave the bank branch without opening an account that I will, if fact, report, them to the CFPB. After, informing them of my right they claimed that they could not accept my instrument which had a restricted endorsement on the back ( see 31CFR328.4 ), and, I, : XXXX XXXX XXXX, departed, the branch without opening the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2024-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX. 
To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account XXXX : XXXX XXXX Bank, {$XXXX}. 
Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$XXXX} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
in XXXX, I closed my business due to business needs falling through. XXXX to XXXX was unpaid due to not being able to make partial payments, set up a payment plan in XXXX. haven't be late on the payment plan at all since. I went to go apply on a house loan and found out that American Express has hit my personal credit score for collections notice and 4 90-day late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Around XX/XX/2024 i called XXXX and Experian about me not being able to view my credit Reports and Scores. i was asked to upload or send in a copy of my Drivers license, Social Security card, and a utility bill -paystub -insurance with the same address.I still never received any updates.

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 2024-08-14 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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/updated.

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.

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!

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This company XXXX XXXX XXXX is in direct violation of this law. 15 U.S. Code 1692e - False or misleading representations. The Law clearly states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. I never received any communication CERTIFIED MAIL WITH MY SIGNATURE AS PROOF I RECEIVED THIS COMMUNICATION OR ANY ORAL COMMUNICATION THAT HAS BEEN RECORDED WITH MY VOICE AS CONFIRMATION. If you can not produce this communication that was sent certified mail to me or any oral recording with my voice showing I have received this communication you are in violation of this law and this debt from XXXX XXXX XXXX is reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: PA

Complaint narrative:
someone ran my credit report for approval of credit and i recieved a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: VA

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: NY

Complaint narrative:
My accounts was 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/updated.

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.

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!

Company response to consumer: Closed with non-monetary relief