vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 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: IL

Complaint narrative:
I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

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 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Sunday XX/XX/XXXX I wrote a check for a charitable organization ( {$640.00} ). This was from a business account. Later that evening, I did some research and learned some troubling information about them. So I did research, then first thing Monday morning called the Chase Bank, gave them the check number, amount, and payee of the check. The agent told me that this would not be a problem AT ALL. He issued a stop payment on the check, we went over the amount, check number XXXX, and then assured me that the check would not clear. WELL, the NEXT DAY, the check was in process! I called Chase. I told them that the check was in process of clearing. The agent assured me that even though it shows as pending, it would NOT clear. I noticed something odd, and told them IMMEDIATELY. I said that the bank memo shows the incorrect check number. Instead of the check number, it shows my ROUTING NUMBER. WHAT??? The check image shows the correct check number I told them to stop payment on. The agent told me to just wait a day and then it should be removed. THE NEXT DAY IT CLEARED! What?? I called furious. I was tossed around from agent to agent until some agent XXXX  told me, " sorry, there is nothing we can do. We can only stop payment on a check that has not cleared. '' I told them I called MONDAY TO CANCEL the check, what?? Chase just doesnt care. I have had my business account with them XXXX  years! I have needed to stop payment on checks before and I NEVER HAD A PROBEM before. Someone needs to make this right! I have no problem taking my business elsewhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-11 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
I have been a victim of identity theft numerous loans and credit cards were taken out using my personal information without my knowledge. In 2023 I found that Sofi Bank loan showing on my credit report, I immediately filed a report on identitytheft.gov. The account was removed from credit reporting agencies, recently I found that the account had been placed back on my credit report. I have contacted Sofi Bank, their collection company and the major credit reporting agencies without any response or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: FL

Complaint narrative:
According to FCRA 605B, we got ta delete any wrong stuff from my credit report. Can you look at the papers? Some accounts listed are wrong about what's reported, like the amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: MI

Complaint narrative:
On several occasions I attempted to get information related to the debit, my request were ignored.

I do not have an contract with IQ Data, I have no record of signing any agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX reported me to XXXX XXXX credit bureau for 3 different accounts. One of the account is {$1000.00}, the other is {$320.00}, and the is {$1300.00}. I have never done business with XXXX XXXX, I have never signed any contract with XXXX XXXX, and I certainly have never given my consent to XXXX XXXX to place fraudulent information in my credit report at XXXX XXXX. I value my right of privacy. XXXX XXXX has violated my right as a free man. I repeatedly demanded that XXXX XXXX provided me proof that I ever entered into a contract with them, I ever gave them the authorization to put any information in my XXXX XXXX report, and provided me proof and verification of the debt claimed against a free man. I have never received a response from them. XXXX XXXX clearly violated my right of privacy, my right of freedom, and etc .... I demand that XXXX XXXX cease to publish false, misleading, and fraudulent information about me to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: CA

Complaint narrative:
I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshots inside this complaint in on dates of [ XX/XX/24 ]. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to ''Paid as agreed on time '' as they should be due to the fact I was NEVER late. Thanks! 

Please see screenshots attached :

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern : I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report! This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report. The information in my credit report is wrong! It was never proven to be factual, so now I have decided that enough is enough and will exercise my consumer rights. The following account allegations are either untrue, unverified and incorrect. Please remove them immediately or I will have no choice but to take legal action against you!

Attached you will find the date which I am challenging.

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 2024-04-11 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: FL

Complaint narrative:
I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

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 2024-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
XX/XX/24 XXXX, On or about XX/XX/XXXX months ago I deposited a check into my Chase Bank Account, PERHAPS THE BIGGEST BANKING DECISION I HAVE EVER MADE ). 
The check that I deposited was drawn of my XX/XX/XXXX account at XX/XX/XXXX, New York. This account was set up, managed and then CLOSED by my brother, the Executor to the estate once final funds were CLEARED and withdrawn from the account by CHASE BANK and placed into my CHASE account. 
Chase then proceeded to hold said funds in my checking account for XX/XX/XXXXdays before SUSPENDING THE FUNDS. They simply evaporated from my account, no call, no notification from CHASE whatsoever.

I then proceeded to contact CHASE via telephone and as has been consistent for XXXX or XX/XX/XXXX years, EVERYTIME THAT I CALL THEM I AM TOLD THAT MY BIRTH DATE DOES NOT MATCH THEIR RECORDS, that I must take my ID, go to a branch and verify my information. My ID is correct however THEY CONTIMUE ON TO HAVE THE INCORRECT BIRTHDATE for me. 
CHASE continues to hole in SUSPENSION the funds from my fathers estate as they do not show my brothers phone # as VERIFYABLE in their internal system. They WILL NOT CALL a number they cant verify. They WILL NOT talk to my brother if he calls in, They WILL NOT allow me to connect with my brother in conference call, They WILL NOT talk with me in they know that someone else is on the line.

All of this and CHASE indicates that THEY DO NOT KNOW WHAT IT TAKES TO GET A NUMBER IN THEIR SYSTEM AS VERIFYABLE AND THEY WILL NOT VERIFY IN ANY OTHER WAY. 
XXXX phone calls, XXXX visits to branches in the last XXXX months with no resolve. I have no other option than to file with you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: FL

Complaint narrative:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 XXXX XXXX XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT : XXXX THIS NOTICE SHOULD NOT BE ON MY CREDIT REPORT ; ATTACHED IS MY SSN GIVEN BY THE GOVERNEMNT Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last XXXX months, or the last XXXX  years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


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 2024-04-11 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: EdFinancial Services
State: NJ

Complaint narrative:
I never received any disclosed information about this account reporting to such third parties such as XXXX, XXXX, and XXXX. This should have been conspicuously disclosed to me before reporting my non-public personal information to an unaffiliated third party ( XXXX, XXXX, & XXXX ). I understand I have an obligation to pay on this account, but I do not want my personal nonpublic information displayed to third party consumers.

VIOLATED 1681B- NO WRITTEN INSTRUCTIONS!!!

I do not mean to come off strong, I am just exercising my rights to OPT OUT of having my information reported per 15 USC 6802. Could you please either send my disclosures showing my written permission to display my personal nonpublic information to these third parties or delete all XXXX different ED FINANCIAL SERVICES ACCOUNTS with this company from my consumer report?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Westlake Financial Services does not have a permissible purpose. This company has no legitimate business reason because I do not have a contract, nor have I ever done business with this company. And as per the Fair Credit Reporting Act, for anyone to furnish information on my consumer report a permissible purpose must be given. I have not ever given any of this company permission to report anything, nor have I had any contractual or business obligation with this company. They have used and possessed my information without my knowledge or approval.

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 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

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 2024-04-11 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: PR

Complaint narrative:
I recently a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my abilty 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 2024-04-11 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: ASSOCIATED MORTGAGE BANKERS IN
State: WI

Complaint narrative:
According to my consumer report I pulled on XX/XX/2024 I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 16819 ( B ) where it states that I as a consumer would need to give you permission to furnish information on my behalf. To date, I have not granted you or Associated Bank such authority.

Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted Associated Bank and the corresponding information is not listed on my consumer report. These accounts should be promptly updated as ON TIME.

Any information listed in my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation per FCRA laws. Please send me any information regarding my request and an updated consumer report showing that the above-mentioneddemands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 



Best regards, XXXX, XXXX Without Prejudice All Natural Inalienable Rights Reserved.

Company response to consumer: Closed with explanation