vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 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: TX

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have never had a XXXX XXXX XXXX, used or possessed one, I have disputed this before and it was removed by all the credit bureaus except for Equifax which removed years ago but has put it back on my credit report this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: TX

Complaint narrative:
After reviewing my credit report I noticed several hard inquiries I did not give my consent to, I also reached out to the lenders and they could not give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report 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 2024-05-22 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: PA

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Back in 2020 I was XXXX XXXX XXXX. During the pandemic I saw an opportunity to make some money due to the low stock & high demand for above ground swimming pools. I began reselling these pools for a profit. There was one sale I had done to a local guy I met off XXXX XXXX. I got paid with a cashiers check, chase determined the check to be suspicious and I never received the funds as well they closed my account. It has now been 4 years since and I assumed by now I would be allowed to open a new account. After opening a new account and transferring {$3500.00} into it, I was unable to login online & I received a letter in the mail that my account has been closed ( final decision ). XXXX is a major financial institution in XXXX and I would very much like to bank with them. I don't believe it is right to restrict my profile due to a check I worked hard for at the age of XXXX during some of the toughest times American citizens have faced in the past XXXX years. Please help me restore my standing with XXXX so that I may bank with them going forward. 
Thank you in advance for your time and assistance with this matter! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I was stolen from by an internet scam. I have since reported this through XXXX and FTC. I disputed it literally immediately upon realizing I was defrauded. This is {$880.00} which is a huge amount. Ive provided a map showing it was not delivered to my home. A plethora of other details and documentation. The merchant shut down their site the same day this item was supposed to be delivered and is still shut down. American Express would not provide me information on the merchant to provide to FBI/FTC and has continually accepted a falsified nonsensical XXXX XXXX document that anyone can create as proof that it was delivered. I can not open a XXXX dispute as Im not the shipper. Ok be done absolutely everything I can to get my money back from a scammer and American Express is aiding a thief instead. Ive wasted literally hours on this and American Express continues to tell me that Im out {$880.00} because this scammer provided a XXXX XXXX document that proves nothing and is self contradictory. I attached to incredibly poorly mad XXXX Document that the merchant even redacted their contact information from.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-22 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: CA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am in trouble since 9 months with SPServicing who bought my loan from XXXX XXXX XXXXXXXX. 
The pay my home taxes {$8700.00} in XXXX when i always pay my home taxes when is du in XXXX, saying theyb receive a deliquency letter from the XXXX. 
They never send me any letter askong me if i pay my home taxes like usual. 
After fighting 4 months they finally ask the credit card to refund the amount i pay and ask my other credit card to charge me again. 
They make the mistakle and keep going to charge me {$32000.00} fees saying i was deliquent about the taxes. 
I was not..they decide to pay my taxes without any notice. 
I keep going to complain to XXXX and they keep going to ask me to pay for THEIR mistake. 
Today i receive a note from their website saying they will increase the rate from 6.5 % to 8 % on XX/XX/year>. 
Can they apply the amount they want? 
Thanks for your help this company is so bad.. 
I call 49 times, i receive about 500 pages and get 118 emails ... without any right answer. 
They start to pay me back the {$720.00} X XXXX ABOUT THE HOME TAXES ... after the XXXX send them a complain. 
Thanks again for your help i am just desperated... i am XXXX XXXX XXXX...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
see attachmentI am continually being called on the telephone by your firm over this alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt within 30 days after the date of this letter. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you stop contacting us on the telephone and restrict your contact with us to writing, and only when you can provide adequate validation of this alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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:
On or about XX/XX/year> I requested Equifax validate or verify that a collection listed on my report belongs to me, as I have no knowledge of the account. On XX/XX/year> I received a response from the debt collector via mail, and their response was a computer generated bill, with someone else 's name ( similar ) and an address that I don't recognize. Under FDCPA, FTC, and FCRA laws, this form of validating a debt with a computer generated bill, and nothing to actually indicate that this debt belongs to me, is not sufficient proof of validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: NY

Complaint narrative:
Despite my efforts, these issues are still unresolved. Enclosed is the letter I sent to the credit bureaus. Your firm labeled my request for verification of erroneous items as " frivolous '' or " irrelevant. '' This is a serious matter to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Provide evidence of the alleged item, such as a contract or document with my signature, or remove these items from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: GA

Complaint narrative:
In complaint XXXX for XXXX  XXXX  # XXXX charge off {$1200.00} with past due as of XX/XX/2024, XXXX  XXXX  # XXXX charge off {$960.00} with past due as of XX/XX/2024 XXXX credit # XXXX charge off {$1200.00} with past due as of XX/XX/2024, XXXX  # XXXX charged off {$2900.00} with past due as of XX/XX/2024. All these accounts have been updated on my Experian report as of XX/XX/2024 which violated my consumer rights because a charge off account are written credit off as a loss. The XXXX form eradicates the debt and l have never received. Experian keep updating my report as accurate in which is incorrect. See updated credit report. XXXX XXXX  # XXXX payment history is incorrect which violates 15 USC 1666b

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: PA

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: PA

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX 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 2024-05-22 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: IL

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the immediate removal of a collection account XXXX XXXX XXXX, XXXX from my credit report, as the collection agency in question is not licensed to collect debt in the state of Florida and has also reported incorrect information in my credit report. 

Unlicensed Collection Activity : The collection agency, XXXX XXXX XXXX, XXXX, is not licensed to operate as a debt collector in the state of Florida. According to Florida law, specifically Florida Statutes Section 559.553, debt collectors must be licensed in the state to legally collect debts. Therefore, their collection activities are illegal and should not be reflected in my credit report.

Incorrect Information Reporting : The collection account contains incorrect information that is adversely affecting my credit score. Misinformation is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported on a credit report must be accurate and verifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: TX

Complaint narrative:
I have recently acquired my credit report. After carefully reviewing it's contents, I have found that my report contains adverse information. I am requesting that the inaccurate information listed in the enclosed attachment be deleted according to the Fair Credit Reporting Act, 1681c. A period of thirty ( 30 ) days shall be " reasonable time '' to investigate the accounts in question, unless you notify me immediately otherwise. Please provide me with written notification of the appropriate corrections and an updated credit report... 

Remove inaccurate addresses : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: DC

Complaint narrative:
This list of accounts below has violated my federally protected consumer rights of privacy and confidentiality under 15 U.S.C 1681. 
Account name XXXX XXXX, Account number XXXX, Account name XXXX XXXX XXXX XXXX  : Account number XXXX, Account name XXXX  : Account number XXXX, Account name : XXXX Account Number : XXXX. Account name : XXXX Account number : XXXX. Account name : XXXX XXXX Account number : XXXX. XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX. XXXX XXXX Account number : XXXX. violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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.

Resources

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

Company response to consumer: Closed with non-monetary relief