vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 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:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that informa
tion pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: CA

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that informa
tion pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct 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 2024-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
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 [ Jefferson Capital System ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Cease and Desist of Inaccurate Credit Reporting Account Number : XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally demand that you cease and desist from reporting any inaccurate, false, or incomplete information regarding my credit history. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am disputing the following information on my credit report : Account Name/Number : XXXX XXXX XXXX XXXX XXXX Disputed Information : This Debt was removed previously for incorrect reporting such XXXX account numbers and debt amount. 
The information being reported is inaccurate and misleading, and it is negatively affecting my credit score and financial standing. 

Under the FCRA, you are required to ensure that any information reported on my credit report is complete, accurate, and verifiable. I demand that you immediately conduct an investigation into this matter, remove the inaccurate information from my report, and confirm in writing that the erroneous entries have been corrected. 

Please consider this letter as my formal request to cease and desist reporting the above-referenced account information to any and all third parties, including creditors, lenders, or other financial institutions, unless and until the information is verified as accurate. 

If you fail to correct this issue within 30 days, I will consider further legal action to protect my rights, which may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking damages for willful non-compliance under the FCRA. 

I expect to receive written confirmation that the inaccurate information has been corrected within the legally mandated period. I also request that you provide me with a copy of my updated credit report once this process is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: TX

Complaint narrative:
Received message about a pending transaction which I did not authorize. Notified Cashapp and blocked the company. Cashapp said they will not dispute any pending transations on my prepaid card. I would need to wait until the pended transaction, which i blocked beforhand, was processed by cashapp until i can attempt to dispute an unathorized charge. Not sure why the company is able to submit an unathorized payment request on a prepaid card, or why cashapp is unwilling to attempt to stop the unauthorized request form being processed. Then the unauthorized pending charge was in fact debited from my prepaid account. I attempted to submit a request to reverse the unathorized charge for the blocked company and was told that prior to submitting my request, i am required to disclose my trust 's social security number to verify my identity. This is on prepaid account and a request to simply reverse an unathorized charge. All my protected information was provided prior to opening the prepaid account years ago. Because i declined to redisclose a social security number for idenity verification only, i was denied service. I then requested the company remove all my information and close the account as a whole. Which they have not done. I understand verifying idenity to open or close an account, but demanding a social for identtification on something prepaid is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Several times prior to XX/XX/year> I tried to wire transfer the funds in my Chase account to my XXXX XXXX XXXX account to facilitate the Chase checking account closure. That decision resulted from onerous security behaviors affecting my ability to use a Chase cc and the Chase debit card ( I maintained over XXXX XXXX in the account FYI ). On XX/XX/year>, I tried multiple times to wire the funds, fulfilling on the phone each time the required verification information, and at least XXXX XXXX  receiving assurances the wire would go through. It never did, being denied by their security office. Today I wrote a hard check and e-deposited it to XXXX XXXX XXXX I am hopeful that Chase will honor the bank draft. I believe that Chase bank has decided to create barriers to customers withdrawing their funds in order to retain the funds in their portfolio, and perhaps make money on the float.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: AZ

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 explanation
Consumer complaint received 2024-08-27 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-27 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: OH

Complaint narrative:
I'VE BEEN A VICTIM OF IDENTITY THEFT. XXXX XXXX XXXX HAS STOLEN AND USED MY INFORMATION ON MULTIPLE ATTEMPTS!! THIS FRAUDULENT ACCOUNT HAS BEEN SENT TO COLLECTIONS ON XX/XX/2024, AND IS NOT MY ACCOUNT!!! SHE LIVES IN FLORIDA, I RESIDE IN XXXX, OHIO! PLEASE PUT THIS ACCOUNT IN HER NAME! SHE IS THE ONE WHO RESIDES OR RESIDED IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Management Recovery Corp. (NMRC)
State: FL

Complaint narrative:
The collection agency bought a debt with my name on it from another company. There is no such debt owed, and my car payments are always paid on time. They have been harassing my work place to the point they had to be blocked. They impersonated their credentials with each call claiming they were a lawyer.The company 's name is National Managment Recovery. The caller that claimed to be a lawyer gave the name XXXX XXXX ( the first few calls and no name given afterwards. the caller claimed they did not have to give any such identifying information ).. 
XXXX They have made threatening comments and were rude to the call taker. They made unecessary threats of garnishments. I have received no paperwork and no calls/voicemails. This is a spam attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-27 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: Aldous & Associates, PLLC
State: OH

Complaint narrative:
I'VE BEEN A VICTIM OF IDENTITY THEFT. XXXX XXXX XXXX HAS STOLEN AND USED MY INFORMATION ON MULTIPLE ATTEMPTS!! THIS FRAUDULENT ACCOUNT HAS BEEN SENT TO COLLECTIONS ON XX/XX/year>, AND IS NOT MY ACCOUNT!!! SHE LIVES IN XXXX, I RESIDE IN XXXX XXXX! PLEASE PUT THIS ACCOUNT IN HER NAME! SHE IS THE XXXX WHO RESIDES OR RESIDED IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: TX

Complaint narrative:
These unfamiliar credit inquiries on my credit report are really concerning. I didn't authorized or consented to these companies in accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.

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 2024-08-27 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: TX

Complaint narrative:
These unfamiliar credit inquiries on my credit report are really concerning. I didn't authorized or consented to these companies in accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.

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 2024-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have followed the exact instructions for fraud and identity theft that the federal government has issued. I filed a report with the New York State Police regarding my identity being stolen and fraud committed by another individual. In each case if credit card fraud, the outcome has been determined by two separate companies that I was not responsible, and those companies removed the information from my credit report and issued a statement stating this information. Apple Credit Card and Goldman Sachs are still disputing this information even after I have sat through multiple days worth of conversations with their fraud department and have disputed EVERY single transaction, including how APPLE illegally combined my credit card with another individual, making my account appear as a joint account, without my permission, knowledge or contact. I had a {$10000.00} limit that sat unused for years before my account was combined with someone else who had a limit of {$750.00}. How does that happen and why does that happen without contacting me? After 8 months of disputing this nonsense, I went from a XXXX credit score with XXXX missed payments to a XXXX as of today and only Apple Credit Card shows up with missed payments for an amount of {$8900.00} that is not mine. After following all the federal requirements for fraud, and the NYSP stating that I am unable to do anything, that only the credit card company is allowed to go after the person, I am still unable to remove the fraudulent card and debt from my credit report. Which has caused me to be denied credit by lenders and as a service member, this looks very bad to my command. I have been told by Goldman Sachs representatives that I AM responsible for contacting the XXXXXXXX XXXX merchants and disputing the charges, which is not acceptable as I am not the one who made these purchases and I also can not sue/prosecute the individual who stole my identity. The constant harassment by representatives from the bank to collect on a debt that is not mine is ridiculous and unacceptable. Each day I am being contacted and then transferred to their fraud department who states that they have made a note in my file but each day the representative tells me that there is no such documentation. Please help me fix this issue as I am now being denied credit due to my credit score, and so called missed payments on a fraudulent credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-27 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: GA

Complaint narrative:
I have previously disputed with these bureaus ( XXXX, Equifax ) and they have yet to remove the inaccurate, incorrect information on my credit report. I have recently sent in more dispute letters on XX/XX/year> and they have received them but have yet to start the investigation process. There are accounts, employers, inquires and names that are being furnished on my credit report that I have already proved did not belong to me. I also have proved my information has been leaked in a recent data breach and these bureaus have still chosen against my consent and will to furnish this incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, This is your final notice. I am demanding an immediate and thorough explanation of every step your agency has taken to ensure the items on my credit report are 100 % accurate, as mandated by 15 U.S.C. 1681i ( 7 ). Under this law, you are legally required to provide me, within 15 days, a full description of your reinvestigation procedure, including the names, addresses, and telephone numbers of every furnisher of information you contacted to verify these disputed items.

I have previously notified your agency that I am a victim of a Data Breach/Identity Theft. I have also filed an FTC Report, confirming my status as a victim. Despite my explicit demand that you block and remove all fraudulent information from my credit report under 15 U.S.C. 1681c-2 ( c ) ( a ), you have negligently failed to comply. This is a gross violation of federal law and my consumer rights.

The following item remains wrongfully listed on my credit report, and I demand it be removed immediately : XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXXXXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXXXXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, and the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed this payment history. Else, DELETE this account 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