vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 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: NY

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached 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 explanation
Consumer complaint received 2024-08-05 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX looked at my Experian XXXX credit report on XX/XX/2024 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 generall, 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 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 2024-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2024-08-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received two fraudulent charges on a CapitalOne card ( for {$39.00} and {$360.00} ), which I did not make and challenged as unauthorized. The company initially reversed the charges, but re-instituted them. When I called to inquire, they said they were made with the chip, and thus werent unauthorized, and were put back on because I needed to say the card was stolen, not that the charges were unauthorized. They said they would file an appeal. I have heard nothing further.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
Ive disputed several times for the past 6 months that this collection with Jefferson Capital is not my debt. The credit card account was opened fraudulently and I did not authorize it. They keep closing it and opening it on my credit report. The account for XXXX is not mine and Ive reported it several times. It doesnt not meet FCRA requirements and it needs to be removed from all XXXX credit bureaus immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: SC

Complaint narrative:
Please be advised that this is my THIRD WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report you are in violation of 15 USC 1681. On XXXX XXXX XX/XX/year> I have requested that you investigation and reinvestigation the unverified items listed below that remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first and second investigation, you stated in writing that you verified that these are being reported correctly. Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual there address, and telephone number. Also, why did you not send me copies of the verification like I asked? As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the account they report on and their responsibility must consist of something more than merely parroting information received from other sources. The court have order that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ) .You have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified. '' XXXXnever late XXXX XXXXXXXX Never Late XXXX XXXXXXXX Never Late - XXXX Never Late- XXXX Never Late, XXXX XXXX XXXXXXXX XXXX NEVER LATE

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 2024-08-05 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: CA

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 non-monetary relief
Consumer complaint received 2024-08-05 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX XXXX  Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete from my credit report. 


XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX  XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Account Number : XXXX  Update to Open/Never late XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number XXXX XXXX XXXX from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - Account Name : XXXX XXXX XXXX Account # XXXXXX XXXX - Account name : XXXX Account # XXXX XXXX - Account Name : XXXX XXXX Account XXXX XXXX XXXX - Account Name : XXXX XXXX Account # XXXX XXXX - Account Name : XXXX XXXX Account # XXXX XXXX - Account Name : XXXX XXXX Account # XXXX XXXX - Account Name : XXXX Account # XXXX XXXX - Account Name : XXXX XXXX Account # XXXX XXXX - Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX - Account Name : XXXX XXXX XXXX XXXX - Account # XXXX XXXX - Account Name : XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account Name : XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account Name : XXXX XXXX XXXX  Account XXXX XXXX XXXX - Account Name : XXXX XXXX Account # XXXX XXXX - Account Name : XXXX Account # XXXX XXXX - Account Name : XXXX XXXX XXXX Account # XXXX 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.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: TX

Complaint narrative:
I requested my full consumer file from Lexis Nexis. After several calls and emails, I finally received a PIN in the mail only to access the website where the PIN took me to blank web page. I've been emailing and calling since XX/XX/XXXX and I have yet to receive a response to any of my emails nor have I received my consumer file which I was last told it would be sent to me about a week and a half ago. This affects my insurance rates and based on my most recent insurance company rate hikes etc... I have reason to believe that the information on my file with Lexis Nexis is incorrect and I would like to review my full file due to misinformation and incorrect reporting and potential false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This debt is a business debt associated with a company I sold many years ago. I am no longer part of it and haven't been for a long time. Both my son and I personally signed for the line of credit many years ago but neither of us have the ability to continue paying almost $ XXXX. I am XXXX XXXX XXXX and this bill is more than my social security income by itself. We have brought this to the attention of Chase many times to try and get some relief from this exhorbitant payment to no avail. They won't modify, change or alter the terms at all and it is absolutely going to force me into bankruptcy. We can afford to make payments but almost {$2200.00} is more than 50 % of my household income ( my wife gets SS as well ) but we have a house and live modestly ( no car pmts or anything ). This is going to cause us to lose our home soon because we can't keep up with these payments. We're writing to ask for some consideration to alter the payment schedule or the terms to allow us to not go into financial ruin because of it. We've not missed a payment but that only is because we are honest, trustworthy people. You can see our tax return and see exactly how much we make- it's a nominal social security living - we've already burned through all of our savings trying to keep up with this payment. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
It has been like pulling teeth over the last few months for me to get any information from the firm Mullooly Jeffrey Rooney & Flynn , LLP.

Unfortunately, they do not answer my questions if I ask nicely, only if I file a formal complaint. So this is my umpteenth complaint, and I really wish the CFPB would tell them to start just treating me with dignity and answering my questions so I do not have to submit a complaint every time I have a basic question. 

They claim to be suing me on behalf of XXXX XXXX, and I have informed them multiple times I disputed the debt. 

One of the things I asked for is a copy of the contract. They finally sent this to me on XX/XX/XXXX. 

Immediately I noticed discrepancies : XXXX. The application was dated after the account was alledged to be open. 
2. The employer was not my employer at the date noted.

3. The address was not my address. They used a very old address from two decades ago.

4. The salary was not my salary at the time this alledged " application '' took place 5. The date format was weird -- it was in non American DD-MM-YY format instead of the normal American format MM-DD-YY. 
6. None of the codes or other formats was explained It therefore seems to me that this is clearly prima facie evidence that the alledged debt is not mine. If it were mine, XXXX would be able to produce a signed contract. Additionally, if it were mine and not a fraudulent money grab by XXXX or XXXX, they would be able to quickly resolve this issue. 

Instead, XXXX has told me there is no timeline for their investigation. 

Unfortunately, they're suing me, and that has a very firm timeline. I need them to take responding to me seriously. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
inaccuracies regarding the last and further payment dates reporting as of XX/XX/21 & XXXX XXXX account is negatively impacting my ability to secure credit.

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 2024-08-05 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: NY

Complaint narrative:
inaccuracies regarding the last and further payment dates reporting as of XX/XX/year> & XXXXXXXX XXXXThis account is negatively impacting my ability to secure credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation