vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: LEXISNEXIS
State: MI

Complaint narrative:
LexisNexis is reporting several inquiries that are incorrect. I have not given consent for any of these companies to receive any information on me rather written or otherwise implied. If LexisNexis has proof these companies have a permissible purpose to receive such personal information provide it to me immediately. If you do not I will immediately sue you for damages. 

XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX CA XXXX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX Prequalification XXXX Written Consent - XXXX  XXXX XXXX Inquiring Company and Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX - XXXX - New Accounts ( XXXX  ) XXXX XXXX XXXX XXXX Demand Deposit XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX Credit Application XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX Credit Application XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX Credit Application XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: 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 XXXX of Unauthorized Credit Inquiries Dear Experian, I am writing to formally dispute the accuracy of certain credit inquiries listed on my credit report. These inquiries were made without my knowledge or authorization and may constitute violations of the Fair Credit Reporting Act ( FCRA ), specifically section 1681b ( c ), which protects consumers ' privacy and rights against unauthorized access to their credit information. 

**Unauthorized Inquiries : *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 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 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 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 XXXX XXXX XXXXXXXX **Request for Investigation and Removal : ** Under section 1681b ( c ) of the FCRA, only authorized parties with my consent or a permissible purpose may access my credit report. I have not authorized any of the above entities to access my credit file, and I did not provide consent for these inquiries. This represents a potential breach of my privacy rights. 

I respectfully request that Experian conduct an investigation into these inquiries. If it is determined that any of these inquiries were made without proper authorization, I demand their immediate removal from my credit report. Failure to do so would constitute a violation of the FCRA and may result in further legal action.

**Supporting Information : ** - Please provide any documentation that shows authorization or consent for these inquiries. 
- If no such authorization exists, I request the removal of these inquiries from my credit report. 

Please complete this investigation and respond within the legally mandated 30-day period as specified in the FCRA.

Thank you for your prompt attention to this matter. Please contact me at the address or phone number above should you require further information. 

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
ACCOUNT # XXXX These debts youre trying to collect I dont agree with them at all, and I think the amounts youre saying I owe are wrong. Dont bother sending me any proof I'm not interested. I know what's what and showing me proof wont change a thing. If you need to reach me, do it by email only between XXXX XXXX  and XXXX XXXX  EST. Dont send any XXXX, XXXX, XXXX  or courier mail and no phone calls and voicemails because it is just a hassle and inconvenience. Just setting the record straight. ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX To Whom It May Concern, I am not liable for this debt with XXXX  XXXX  XXXX, I do not have a contract with JEFFERSON CAPITAL SYST, They did not provide me with the original contract as I requested. JEFFERSON CAPITAL SYST called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but until JEFFERSON CAPITAL SYST, proved me with the original contract they have to remove asap from my credit reports. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This item was purchased by a Third Party Debt Collector ( JEFFERSON CAPITAL SYST ). This account must be deleted as the status is not correct, the amount is not accurate, and the account was paid for less than owed by the Third Party Debt Collector. As you can see from my credit reports and highlighted issues. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY. Here is the account name : JEFFERSON CAPITAL SYST and Account number : XXXX for reference and incorrect amount also. How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Mortgage was fraudulently transferred from XXXX XXXX to sps, and attempted to create new account number, breaking contract laws, custody chain, and privacy laws. Sps then broke more laws by fraudulently reporting non payment to credit reporting agencies, who then themselves broke laws. I previously reserved all my rights, as a man, American, XXXXXXXX XXXX  and XXXX, all of which were ignored. I asked several times for proof of contract, and validation of instrument custody chain, and was given vague false information, and absolutely not what I requested. Spa either needs to provide the information and do fiduciary duty, or provide remedy for the fraud.,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
FOLLOW UP TO Complaint Number XXXX On XX/XX/XXXX I received a warning threatening letter from XXXX regarding XXXX above fraudulent transactions and identity theft that occurred on my XXXX account XXXX 
On XX/XX/XXXX I informed all the financial institutions involved in these disputed transactions. Chase on XX/XX/XXXX informed me that numerous attempts were made and they were all denied. 
XXXX was dismissive of my complaints and claimed that the charges were reflective of my history with XXXX. 
On XXXX XXXX acknowledged unusual activities on my account. 
On XX/XX/XXXX I received an alert from Chase Bank that the sum for one of the many fraudulent transactions was charged to my Chase credit card ( sum of {$6900.00} ). This credit card is the third card issued by Chase since XX/XX/XXXX and during this period I had {$0.00} balance until XX/XX/XXXX. 
I did not make these fraudulent transactions including the fraudulent charge for {$6900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: LEXISNEXIS
State: MI

Complaint narrative:
LexisNexis continues to report incorrect information on my consumer file that they maintain. The name XXXX XXXX XXXX needs to be removed. The name Ms XXXX XXXX needs to be removed and the tax lien information has been deemed identity fraud by the IRS so it should also be removed from my file. I previously disputed this information and LexisNexis stalled the complaints by sending 10 pages of information about not being able to identify me and other useless documents. I have provided my personal identification on several occasions now. This is my final attempt at trying to save cost on unnecessary litigation to get this information removed. You have 14 days to provide the evidence you used to verify this information or you will be sued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: PA

Complaint narrative:
I am writing to follow up on my previous disputes submitted on dates XX/XX/year>, XX/XX/year> and XX/XX/year> regarding fraudulent accounts that remain on my credit report despite clear evidence provided that they are not mine. I have attached copies of my original dispute letter and supporting documentation for your reference. These accounts in question are as followed ( see attachment ). Under the fair credit reporting act ( FCRA ), the credit bureaus are required to conduct a reasonable investigation of disputed items and remove unverifiable or fraudulent information. To date I have not received a satisfactory resolution or explanation regarding these disputes. As further evidence of fraud, I have included a copy of my driver license, proof of address, and FTC identity theft report. Please conduct a thorough investigation into these accounts and provide a written explanation of the steps you have taken to verify their accuracy. If the accounts can't be verified, I request that they be promptly removed from my credit report. Failure to address this matter promptly may result in other appropriate authorities. I look forward to your resolution of this matter, Please provide a response in writing within 30 days, as required by the ( FCRA ).

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 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
on XXXX - when I logged into app I saw all my credit cards from citi bank is shown as closed account. 
I have been actively using costco credit card. 

When I called them they said. we do not have any information. We have sent an mail. 
Further they said they do not know the reason for closing. 

XXXX XXXX I received letter saying I have not been making payments to my credit cards. 

This is not true.

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 2024-12-02 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: MD

Complaint narrative:
Notice to an agent is notice to the principal. 

To Whom It May Concern, I am writing in response to your communication regarding my complaint submitted on XX/XX/year>, via the CFPB Complaint Portal. While your response acknowledges my concerns, it fails to meet the statutory requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i.

As part of your reinvestigation obligations, I demand the following : 1. Exact Verification Methods : Provide a detailed explanation of the methods used to verify the disputed information, including : Th
e specific documents and/or records relied upon to validate the accuracy of the reported information ; The identity of the data furnisher ( s ) and the nature of their responses ; Any system, tool, or process utilized to confirm the information.

2. Production of Original Documentation : Pursuant to Rule 1002 of the Federal Rules of Evidence, I request the original documentation, not copies, including : Any signed agreements, contracts, or other evidence supporting the alleged debt ( s ) ; Assignment contracts, account statements, or communications that substantiate the report
ing.

You are required to provide the requested documentation and a complete explanation within 15 days from the date of receipt of this letter. Failure to produce the requested information or to comply fully with your duties under the FCRA will constitute willful non-compliance, actionable under 15 U.S.C. 1681n. Further, vague or computer-generated responses will be considered insufficient to satisfy your statutory obligations. 

If you fail to comply, I reserve the right to escalate this matter, including pursuing all remedies available under the FCRA. 

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 2024-12-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Notice to an agent is notice to the principal. 

To Whom It May Concern, I am writing in response to your communication regarding my complaint submitted on XX/XX/year>, via the CFPB Complaint Portal. While your response acknowledges my concerns, it fails to meet the statutory requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. 

As part of your reinvestigation obligations, I demand the following : 1. Exact Verification Methods : Provide a detailed explanation of the methods used to verify the disputed information, including : The specific documents and/or records relied upon to validate the accuracy of the reported information ; The identity of the data furnisher ( s ) and the nature of their responses ; Any system, tool, or process utilized to confirm the information.

2. Production of Original Documentation : Pursuant to Rule 1002 of the Federal Rules of Evidence, I request the original documentation, not copies, including : Any signed agreements, contracts, or other evidence supporting the alleged debt ( s ) ; Assignment contracts, account statements, or communications that substantiate the reporting. 

You are required to provide the requested documentation and a complete explanation within 15 days from the date of receipt of this letter. Failure to produce the requested information or to comply fully with your duties under the FCRA will constitute willful non-compliance, actionable under 15 U.S.C. 1681n. Further, vague or computer-generated responses will be considered insufficient to satisfy your statutory obligations.

If you fail to comply, I reserve the right to escalate this matter, including pursuing all remedies available under the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is in Direct Violation of The Fair Credit Reporting Act for my account This company violated several of my rights including 15 U.S.C 1681 section 602 A. Which states that I have the right to privacy. 15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I demand these late payments be removed and updated on this account immediately and because this was the reason my account was closed and charged off. I want the charged off status removed also, as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2024-12-02 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: CA

Complaint narrative:
XXXX XXXX XXXX is in Direct Violation of The Fair Credit Reporting Act for my account This company violated several of my rights including 15 U.S.C 1681 section 602 A. Which states that I have the right to privacy. 15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I demand these late payments be removed and updated on this account immediately and because this was the reason my account was closed and charged off. I want the charged off status removed also, as you are in direct violation of several laws under The Fair Credit Reporting Act.

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