vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have filed this report with the FTC in the past and have requested proof from this company on many occasions that this debt belongs to me and not someone else of the same name. This account was opened fraudulently in my name or someone with the same name. I keep disputing this Chase acct and they keep reporting it to the credit bureaus every few months causing it to reappear and causing me to keep having to dispute this every few months for five years now. I have included a fraud statement on my credit report and have purchased credit monitoring from two companies and the credit bureaus have refused to remove this account from my credit report. Please assist me in having this fraudulent account opened in 2019 removed/deleted from my account and never reappearing. All of my accounts that legitimately belong to me are being paid in a timely manner and no outstanding debts. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
Paid My Target XXXX Card on my due date XX/XX/24 then accidentally scheduled my XXXX XX/XX/24 payment for XX/XX/24 but I'm not concerned about that. My XX/XX/24 payment was returned as I made a mistake and paid early. I noticed this and paid XXXX XX/XX/24 in the amount of {$700.00} and XX/XX/24 in the amount of {$110.00} and then XX/XX/24 in the amount of {$310.00} So I was 14 days past due Speaking to multiple reps with TD Bank Target XXXX Card. They told my it not 30 days late but when talking to the dispute center he argued that if I have a due date of XXXX and my statement ends on XXXX then any payment after the XXXX of XXXX is and will be reported as XXXX dahs late I said even if it's only 4-5 days after my due date he said yes thats 30 days late but my payment wasn't due till XX/XX/XXXX XXXX and I paid XX/XX/XXXX on time so its not late by 30 days only XXXX. If I missed paying by XX/XX/XXXX or XXXX then I'd be late but I was 14 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
when i log in i can not see my score again. i am paying for a service and can not lock or unlock the report. see the screen shots enclosed. please fix my access. i am sick and tired of calling in to fix it. fix it once and for all please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
On XX/XX/XXXX, I received a phone call from XXXX. It was a woman on the other end who claimed to be an agent with a company called Transworld Systems INC stating I was being called about a debt I owe to XXXX that was sent to collections. She started asking me to verify my information and I told her I dont owe them anything my bills have been paid through them and my amount owed on the previous account with XXXX had already been paid in full. She asked me to provide a reference number to verify the payment and asked me to verify my information. I refused. I told her I was going to call XXXX directly and handle it with them and hung up. I called XXXX and was informed the balance was transferred to my new account and they could see where I had already paid this bill and did not currently owe a balance on my account. The XXXX agent told me she was not familiar with the company Transworld Systems INC either and verified that account balance was transferred to my new account then paid off in full. She told me she was making a note on my account of this information. I then received a letter in the mail on XX/XX/XXXX from that was sent out on XX/XX/XXXX from Transworld Systems INC. telling me again they are trying to collect a debt I owe to XXXX XXXX. I called XXXX again today ( XX/XX/XXXX ) and was told again they are not familiar with this company, and my account is paid in full. The balance from the other account was transferred to my new account and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC
State: FL

Complaint narrative:
the outstanding balance on the loan has been paid, This is to instruct you to cancel any homeowners insurance any flood insurance and do not make any attempt to make any payments on this property including real estate taxes or any type of insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-28 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:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I had a charged off account from 2018 with roomplace/Comenity bank. The debt was charged off, and a debt collector XXXX XXXX XXXX XXXX bought the debt and now is trying to garnish my wages. This is illegal, as I have no business with them. My original debt was charged off my roomplace/comenity bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Urgent Complaint Regarding XXXX 's Intentional and Malicious Violation of 15 U.S. Code 1681c-2 FTC Report # XXXX FTC Identity Theft Report Number XXXX ; File Number XXXX and Demand for Monetary Damages from XXXX for Willful Violation of the FTC Act Per 15 U.S. Code $ 1681c-2, a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Accounts on the FTC Report per XXXX File dated XX/XX/XXXX, are listed as accounts with Adverse Information. This again is INCORRECT as the fraud was discovered in XX/XX/XXXX, and XXXX was notified immediately. 

Under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I demand the deletion of the accounts listed immediately! 
Best, By : AUTHENTICATED SIGNATURE Agent for XXXX XXXX Principal By Accommodations Without Recourse XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Urgent Complaint Regarding XXXX 's Intentional and Malicious Violation of 15 U.S. Code 1681c-2 FTC Report # XXXX FTC Identity Theft Report Number XXXX ; File Number XXXX and Demand for Monetary Damages from XXXX for Willful Violation of the FTC Act Per 15 U.S. Code $ 1681c-2, a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Accounts on the FTC Report per XXXX File dated XX/XX/XXXX, are listed as accounts with Adverse Information. This again is INCORRECT as the fraud was discovered in XX/XX/XXXX, and XXXX was notified immediately. 

Under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I demand the deletion of the accounts listed immediately! 
Best, By : AUTHENTICATED SIGNATURE Agent for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I looked over my credit report on XX/XX/2024, and I found some addresses that appear to be incorrect. According to the Fair Credit Report 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. 

Experian continues to report my name, my address, and phones number incorrect on my credit report. I reached out to them through phone and explained them that the only correct name XXXX XXXX XXXX, the correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and the only correct phone number is ( 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 non-monetary relief
Consumer complaint received 2024-03-28 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: MD

Complaint narrative:
I did not initiate this account, and I strongly suspect it to be fraudulent. I have previously contacted the collection agency regarding this matter, but the issue remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: UT

Complaint narrative:
On the XX/XX/2023 marked for the initial grievance dispatch, I communicated with Equifax through certified dispatch, revealing my predicament as a victim of identity theft. As of the present submission date of this grievance, the institution persists in the dissemination of data birthed from the aforementioned identity theft. Under the directive of Section 605B, titled Block of Information Resulting From Identity Theft, it is mandated that consumer reporting entities inform the providers of information, inclusive of fiscal institutions, that the data in question may stem from identity theft, accompanied by an official report of identity theft. I furnished them with FTC report identifiers XXXX, in addition to a requested blockage. Following such notification, Section 623 ( a ) ( 6 ) obligates the providers to cease the distribution of any data within a consumers file that the consumer flags as born of identity theft, this cessation to occur no later than 4 business days subsequent to the receipt of the notice by said agency ; this includes ( 1 ) verifiable evidence of the consumers identity, ( 2 ) a duplicate of the identity theft report, ( 3 ) the consumers identification of the disputed information, and ( 4 ) a declaration from the consumer disavowing any association with the information in question. I have satisfied all four stipulations, and these documents will accompany my complaint. At this juncture, the agency has neglected a stipulated obligation of the FCRA 15 U.S. Code 1681c2, which is to block the dissemination of data within my file that I have marked as resultant from identity theft, within a timeframe not exceeding 4 business days following the agencys receipt of such notification. This constitutes a legal infringement, rendering the agency civilly accountable to me for deliberate non-compliance and any resultant damages incurred by me as delineated under 15 U.S. Code 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing this complaint to CAPITAL ONE about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified.My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: MO

Complaint narrative:
I did not initiate these accounts, and I strongly suspect them to be fraudulent. I kindly request that you thoroughly investigate and promptly remove them from my credit report. I have provided supporting documentation to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: MD

Complaint narrative:
I did not initiate this account, and I strongly suspect it to be fraudulent. I have previously contacted the collection agency regarding this matter, but the issue remains unresolved.

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 2024-03-28 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: GA

Complaint narrative:
This account was charged off on the following date XX/XX/XXXX. It is also being reported and stated the last payment made on this account was XX/XX/XXXX but the account is being reported as charged off in XX/XX/XXXX which is inaccurate. This account is also being updated as a charged off on my report as if the account is still open and reporting a balance of {$150.00} when the account should be XXXX due to the account being a charged off account. It is also reporting and updating as charge off from XX/XX/XXXX to XX/XX/XXXX on XXXX but reporting updates on XXXX from XX/XX/XXXX to XX/XX/XXXX and no information being reported from TRANSUNION which is also inaccurate. This account is also reporting updated balances with different, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and TRANSUNION XX/XX/XXXX which is also inaccurate. All the information on this account which is inaccurate and a violation According to XXXX XXXX Transunion XXXX, XXXX, XXXX, and TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION Account Name : 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 non-monetary relief
Consumer complaint received 2024-03-28 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: GA

Complaint narrative:
This account was charged off on the following date XX/XX/XXXX. It is also being reported and stated the last payment made on this account was XX/XX/XXXX but the account is being reported as charged off in XX/XX/XXXX which is inaccurate. This account is also being updated as a charged off on my report as if the account is still open and reporting a balance of {$150.00} when the account should be XXXX due to the account being a charged off account. It is also reporting and updating as charge off from XX/XX/XXXX to XX/XX/XXXX on XXXX but reporting updates on EQUIFAX from XX/XX/XXXX to XX/XX/XXXX and no information being reported from XXXX which is also inaccurate. This account is also reporting updated balances with different, XXXX XX/XX/XXXX, EQUIFAX XX/XX/XXXX and XXXX XX/XX/XXXX which is also inaccurate. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, XXXX, EQUIFAX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I recently looked at my consumer report and noticed an item that doesn't belong to me. I am a victim of identity theft and this is not supposed to be listed. I did not authorize permission for this to be listed on my consumer report to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Im a victim of identity fraud. A credit card was issued by the XXXX XXXX XXXX  and used fraudulently. The account was sold to ( resurgent ) that request I pay XXXX. I never requested the account.

Company response to consumer: Closed with explanation