vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-02 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: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 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: TX

Complaint narrative:
Request that all credit reports be corrected. Correcting incorrect information, inaccurate information, information that isn't and hasn't been verified, stating that it had but I know that wasn't true and information that doesn't belong to me

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 2024-09-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and
willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I DID NOT APPLY FOR THESE ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX all created a hard inquiry on XXXX XXXX. XXXX XXXX also pulled my credit XX/XX/XXXX and XX/XX/XXXX of XXXX. PLEASE REMOVE THESE INQUIRIES AT ONCE. These inquiries has directly has violated my rights. 


I looked at my Equifax credit report on XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
Indigo has not updated my balance with all XXXX credit Bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Debt Validation & Notice Of Dispute To whom it may concern, This notice is Pursuant to XXXX XXXX Code XXXX ( g ) as I have never received a validation of this debt from your company. I am requesting that your company provide me with the following documentation : XXXX. The name of the creditor to whom the debt is owed to XXXX. The amount of the alleged debt XXXX. A statement showing proof that you put me on notice that this debt would be assumed to be valid within XXXX  days I have never been notified that this debt would be valid by your company within XXXX  days which is a direct violation of the FDCPA. You also failed to send me the information above within 5 days of initial communication of the debt which is required in Section XXXX XXXX XXXX XXXX XXXX ( g ) ( a ). I am disputing this alleged debt in the entire amount and with such dispute your company is supposed to cease collection of this assumed debt. Failure to cease to collect is a violation of the FDCPA. 
Please provide me with the above following information that is requested. 

I AM REQUESTION VALIDATION OF THE DEBT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. 
IT ALSO SHOWS THAT YOUR COLLECTION AGENCY IS NOT LICENSED TO COLLECT IN ILLINOIS. 

XXXX XXXX XXXX Notice to all, I am the consumer that I am, the consumer in fact, natural person, XXXX, XXXX, XXXX, living breathing woman, affiant, declare that I am majority and competent to state the matters set forth herein with first hand knowledge of the facts. 

Statement Of Facts : Facts that the Fair Debt Collection Practices Act protects me from debt Facts that the Fair Debt Collection Practices Act protects my right to privacy Facts that the Fair Debt Collection Practices Act protects me from misrepresentation Facts that the Fair Debt Collection Practices Act protects me from harassment and abuse Facts that the Fair Debt Collection Practices Act protects me from a debtor contacting me in any means directly Facts that the Fair Debt Collection Practices Act protects me from the legal actions by debt XXXX Facts that my consumer report is supposed to be fair and equitable to me as the consumer Facts that consumers are supposed to be informed on the use of credit Facts that I was not informed on the use of credit Facts that I was deceived in the transaction Facts that XXXX XXXX XXXX, is aware and has proof that Resurgent Capital Services XXXX, is in violation of XXXX XXXX Code XXXX ( d ) ( g ) ( a ) and XXXX ( c ) shown in Exhibits A & XXXX In XXXX XXXX, I here unto set my hand and seal on this day and hereby certify all the statements made above are true, correct and complete under the penalty of perjury in the laws of the United States Of America. 
By : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
My credit card provider ( Discover ) asked me to sign a 4056-C IRS form using their XXXX service , which I did and I have a confirmation email showing that I signed it within the requested 5 day period ( before XX/XX/XXXX ). I signed it on XX/XX/XXXX, I was not contacted about it again until XX/XX/XXXX, in an email in which they said they had not received the form... 

However, the email said the following, verbatim : " Important : If you have already provided the consent requested and have not received any follow-up communication directly from Discover, there is no need for you to contact us. " ... 

They indeed did not provide any other follow-up communication... given that I have no other emails, messages, or phone call attempts- and given that I had already provided the consent on the same day they sent it ( mind you, I have a confirmation email that I sent it )- I did not contact them as they explicitly said it wasn't necessary... 

It is now XX/XX/XXXX, and I call in to their service line as I notice that I'm unable to use my credit card... 

After being transferred a few times, they tell me they haven't received it and my account is pending closure ( because they apparently have no record of receiving the form ) - and will likely close and their is nothing they can do about it. They are going to report my account to the credit bureau even though I did everything they asked of me promptly. I ask to speak to the supervisor but she refuses telling me they have no process and she's the end of the line. After becoming a bit audibly frustrated ( I never cease to be cordial, albeit I did get a bit upset-sounding ) - she tells me " we're going around in circles '' and promptly disconnects the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Dear CFPB, XXXX, Equifax and XXXX all allegedly claim that they have gone through a thorough investigation on my dispute. My dispute have nothing to do with anything being allegedly accurate .My dispute is that these three companies are forging my signature and publishing my personal information without my written signature.I have never agreed for these companies or for XXXX Equifax and XXXX to be doing business upon my name with each other .This is fraud between everyone and i would like for everything to be removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Dear CFPB, XXXX, XXXX and Experian all allegedly claim that they have gone through a thorough investigation on my dispute. My dispute have nothing to do with anything being allegedly accurate .My dispute is that these three companies are forging my signature and publishing my personal information without my written signature.I have never agreed for these companies or for XXXX XXXX and Experian to be doing business upon my name with each other .This is fraud between everyone and i would like for everything to be removed ASAP

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 2024-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
on XX/XX/year>, I received a notification that my credit was checked by XXXXXXXX XXXX and that it was a hard inquiry. I didn't authorize anymore to apply for credit in my name. i called XXXXXXXX XXXX they stated they would not allow anything to be approved in my name without authorizing it with me first. i called Trans union and did a dispute but hey claimed it was verified and did I speak with the bank. i told trans union that by law this is my consumer profile, and they can not have unauthorized/unverified information on my credit report that it needs to be DELETED!!

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 2024-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
on XX/XX/2024, I received a notification that my credit was checked by XXXXXXXX XXXX  and that it was a hard inquiry. I didn't authorize anymore to apply for credit in my name. i called XXXX XXXX  they stated they would not allow anything to be approved in my name without authorizing it with me first. i called Trans union and did a dispute but hey claimed it was verified and did I speak with the bank. i told trans union that by law this is my consumer profile, and they can not have unauthorized/unverified information on my credit report that it needs to be DELETED!!

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 2024-09-02 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: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I sent a letter as well as documents for a verification and validation ( from the courts ) for errors listed on my credit report only to have them " verified ''. I myself have written the courts and received nothing. I requested from the credit reporting agency and again not received anything. 
I now am writing to formally lodge a complaint against the major credit bureaus ( XXXX, XXXX, and TransUnion ) for their continued listing of a bankruptcy on my credit report without providing any supporting documentation. Despite my repeated requests for verification and documentation, the credit bureaus have failed to comply, causing significant financial distress. 
I have contacted each credit bureau XXXX XXXX requesting verification and documentation of the bankruptcy listed on my credit report. 
Despite my efforts, the credit bureaus have not provided any documentation to support the continued listing of the bankruptcy. 
The inaccurate listing of this bankruptcy has severely impacted my XXXX XXXX and financial well-being, causing me undue hardship. 
The Impact on Financial Well-being The continued listing of this bankruptcy has resulted in : Denial of credit applications Higher interest rates on loans and credit cards Emotional and financial stress I request the CFPB to investigate this matter and take appropriate action to ensure that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) by either providing the necessary documentation or removing the inaccurate bankruptcy information from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2024-09-02 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: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I sent a letter as well as documents for a verification and validation ( from the courts ) for errors listed on my credit report only to have them " verified ''. I myself have written the courts and received nothing. I requested from the credit reporting agency and again not received anything. 
I now am writing to formally lodge a complaint against the major credit bureaus ( Equifax, XXXX, and XXXX ) for their continued listing of a bankruptcy on my credit report without providing any supporting documentation. Despite my repeated requests for verification and documentation, the credit bureaus have failed to comply, causing significant financial distress. 
I have contacted each credit bureau XXXX XXXX requesting verification and documentation of the bankruptcy listed on my credit report. 
Despite my efforts, the credit bureaus have not provided any documentation to support the continued listing of the bankruptcy. 
The inaccurate listing of this bankruptcy has severely impacted my credit score and financial well-being, causing me undue hardship. 
The Impact on Financial Well-being The continued listing of this bankruptcy has resulted in : Denial of credit applications Higher interest rates on loans and credit cards Emotional and financial stress I request the CFPB to investigate this matter and take appropriate action to ensure that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) by either providing the necessary documentation or removing the inaccurate bankruptcy information from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
A company called LVNV Funding, LLC, left court documents and some of my supposed personal information taped to a door of an old address I used to reside at.

The reason I know is the landlord from the old placed of resident called me to tell me I had a notice on the door from a collection agency that was found while going over to clean the apt for the next tenant and it had personal identifying information of mine in the documents so she shredded the forms for my identity protection but she did take a picture of the front of the notice for her records.

I have already experienced identity theft and this company is participating in the misused of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. JPMCB CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to confirm and affirm that, I XXXX XXXX XXXX XXXX assigned the XXXX  XXXX  XXXX XXXX, and to belongs exclusively ot me. XXXX not possess any other XXXX  XXXX  XXXX. The XXXX XXXX XXXX XXXX has informed me that the only verification needed is my XXXX XXXX XXXX. 
Thank you for your prompt attention to this request.

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 2024-09-02 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: PA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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