vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 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:
My name is XXXX XXXX and I'm not filling this claim in the 3rd person. I am a living woman whose privacy rights have been violated. The accounts listed below have reporting to my personal reports and have had a negative effect on my life extremely reducing the ability to obtain any credit in my name. 

XXXX XXXX XXXX XXXXXXXX - {$11000.00} Collections : XXXX XXXX XXXX - XXXX Collections : XXXX XXXX XXXX XXXX XXXXXXXX I looked at my credit report on ( Date ) 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 general 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. Some of these accounts have no number and are just listed on my reports as XXXX XXXX. This is absurd. 

I have these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far they have not done this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: TX

Complaint narrative:
My name is XXXX XXXX and I'm not filling this claim in the 3rd person. I am a living woman whose privacy rights have been violated. The accounts listed below have reporting to my personal reports and have had a negative effect on my life extremely reducing the ability to obtain any credit in my name. 

XXXX XXXX XXXX XXXXXXXX - {$11000.00} Collections : XXXX XXXX XXXX - XXXX Collections : XXXX XXXX XXXX XXXX XXXXXXXX I looked at my credit report on ( Date ) 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 general 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. Some of these accounts have no number and are just listed on my reports as XXXX 's. This is absurd. 

I have these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far they have not done this.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX was part of a class action lawsuit and I was awarded a settlement through XXXX XXXX due to their fraudulent practices. XXXX paid money to me yet still continues to report to the credit bureaus as delinquent. Today they updated my credit reports and it went from collections to charge off which dropped my credit score. 

I have initiated contacted today with the XXXX XXXX XXXX due to XXXX XXXX previously paying out a settlement yet contuing to incorrectly report information to the credit bureaus as now this is costing me money due to increased interest rates because of their incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: IL

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 2024-10-18 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: IL

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 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 2024-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Sensible Auto Lending, LLC
State: CT

Complaint narrative:
The company claims to have sent my account to an entity called XXXX XXXX XXXX XXXX XXXX so I called XXXX XXXX XXXX, XXXX on phone number ( XXXX ) XXXX XX/XX/year> at XXXX pm, I was told that, I am looking for the wrong company and that the XXXX XXXX XXXX XXXX, XXXX does not handle this type of matter. Im requesting written documentation. I can not find XXXX XXXX XXXX XXXX XXXX if that was true. I dont think XXXX XXXX XXXX XXXX XXXX XXXX a legitimate company for the my situation. Im requesting for proof that the debt was sent to XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I received an email notice that my FICO score decreased by XXXX points. I logged into my Experian account to see why. There was NO new debt or derogatory information added to my account for me to see. 

I called Experian customer service on XX/XX/year>, for an explanation, and was told " Your credit score is determined by the information sent to us and we can not change that information ''. 

According to the documents I've attached, my debt has decreased and there is NO derogatory data submitted. There is NO reason for a XXXX drop in credit score.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: MI

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts on my credit reports with Experian and XXXX. I do not recognize these accounts, and they are the result of identity theft. The details are as follows : Experian FICO Credit Report : Auto Loan Accounts : XXXX : Opened XX/XX/XXXX ( Account Number : XXXX XXXX XXXX XXXX : Opened XXXX XXXX, XXXX ( Account Number : XXXX ) Collections : XXXX, XXXX : Opened XX/XX/XXXX ( Account Number : XXXX ) XXXX, XXXX : Opened XX/XX/XXXX ( Account Number : XXXX ) XXXX XXXX XXXX : Opened XX/XX/XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX ( Account Number : XXXX ). 
OFFICE OF THE ATTY GEN opened XX/XX/XXXX Account Number ( XXXX ). 

I demand the removal of these fraudulent items from both my Experian and credit reports and that all collection activities related to them cease, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

This complaint is submitted pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that XXXX block the information resulting from identity theft within four business days of receiving this complaint.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I noticed a fraudulent charge on my account on the XXXX of XXXX. The charge was made at 4 different XXXX stores simultaneously at the store numbers # XXXX, # XXXX, # XXXX, # XXXX. These stores are in 2 difficult states and 2 hours apart, at the same time i made a purchase at XXXX in XXXX XXXX which is 4 hours away from these locations. These charges were made with an XXXX XXXX  account. I have no XXXX XXXX  accounts i am associated with. I reported it then chase bank refunded the amounts charged that day. then the morning of XX/XX/XXXX the refund was withdrawn from my account. I asked chase why, they said they found it non fraudulent. I spoke with XXXX and they are opening an investigation and speaking with the authorities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
My aunt passed away and I am her executor and Trustee. I notified them of her death and wish to close out the small retirement account. I have visited the bank in person three separate occasions each time they asked for additional information which I provided. I tried calling them this week on Monday, Tuesday, Wednesday, Thursday and Friday. They did return only one of my calls but I was not available. I have left several messages each day. I find it astounding that they are unable to return my calls and that there is nobody to answer my messages/calls. I have also tried their ( XXXX ) number in addition to their XXXX XXXX, IL number and nobody can help me. 

Further, there was a withdrawal/Distribution of {$450.00} we were not aware of. We need to find out what that was and who received the money.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
has violated my rights. 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 instruction Equifax Account number XXXX XXXX ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: A.R.M. Solutions, Inc.
State: AL

Complaint narrative:
Contacted by email by A.R.M. Solutions for an alleged debt by email. Attempts have been made to correct the issue with the original company, including Better Business Bureau complaint that the company refused to answer.

I do not want any contact with A.R.M. Solutions as a mediator for this business.

I will also note that I personally mailed a letter to White Knight informing them of the XXXX complaint and complaint number at the address provided in a written letter that was sent. Tracking is enclosed. They failed to respond to the XXXX and myself. All proof is attached. Also, their history with the XXXX  is attached, in which the XXXX  notes on WK profile that they have tried to resolve the issues with WK because of the influx of complaints THIS YEAR.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 2024-10-18 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: GA

Complaint narrative:
I am writing to dispute the accuracy of several items that appear on my credit report. Years ago, my credit was stolen, and I filed a police report to document the fraudulent activity. I have enclosed a copy of this police report, which details the accounts that were opened fraudulently during the last incident. 

Unfortunately, my credit has been stolen again, and the following accounts have been opened in my name without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This fraudulent activity is severely impacting my ability to buy another home for my family. The holidays are approaching, and my lease is set to expire soon, making this situation even more urgent. I kindly request that these fraudulent accounts be removed from my credit report immediately. 

I have included the following documents to support my dispute : - Copy of the police report - Proof of identity ( drivers license, Social Security card ) - Copy of a recent Bank statement as proof of address Please conduct a thorough investigation into these fraudulent accounts and update my credit report accordingly. I appreciate your prompt attention to this matter, and I look forward to your confirmation of the removal of these items. 

Thank you for your understanding and cooperation.

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 2024-10-18 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:
My credit was used by an identity thief. They used my credit to open fraudulent accounts in my name, here is the list of companies. 


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 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 ftc and cfpb

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 2024-10-18 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: KS

Complaint narrative:
Fraud accounts-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FRAUD UNKOWN ADDRESSES- XXXXXXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX INACCURATE LATES- 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 2024-10-18 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:
Errors exist on my credit report in relation to 15 USC 16c-2. The inquiries listed were not sanctioned by me and are hurting my credit. Please remove all unauthorized hard inquiries. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 explanation