vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-25 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:
Experian gon na get in big trouble with me Just how I file a lawsuit with XXXX I will file a lawsuit against EXPERIAN For the last time those XXXX addresses on my client report doesn't belong to him ADDRESS MUST BE DELETED AND ANY ACCOUNT CONNECTED TO THAT ADDRESS NEED TO BE DELETED AND YOU HAVE 10 DAYS to make changes WE CONTACTED BOTH XXXX  XXXX as well as EXPERIAN AND XXXX XXXX COULDNT VERIFY THE ADDRESS NOR MY CLIENT PERSONAL INFO SO EXPERIAN ONE LAST TIME TO MAKE IT RIGHT BEFORE I FILE A LAWSUIT BECAUSE THIS ACCOUNT WAS DELETED LONG TIME VIOLATIONS FCRA SECTION 624 FCRA section 603 15 usc 1641A 15 usc 1666B will sue {$2000.00} per violation

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 2023-11-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX XXXX XXXX  I dont recall being late on this account. Please verify all information is 100 percent true accurate and correct and is not untimely unverifiable incomplete or inaccurate. Provide proof of last payment otherwise remove the late from this account.

Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be deleted and update as agreed this payment history Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per Section 609 ( a ) ( 1 ) of the Fair Reporting Act ( FCRA ), you are required by federal law to verify any all accounts posted on my credit report and only report accurate information. I request all verifiable proof you have on file the late payment listed on the following account Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

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 2023-11-25 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-11-25 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 pen this letter with a sense of escalating frustration and disappointment due to the ongoing failure to address and remove fraudulent items from my credit report. Despite numerous and exhaustive attempts to rectify this egregious situation, the persistent presence of these inaccuracies is not only unacceptable but is wreaking havoc on my financial well-being. 

This ordeal commenced and since then, I have engaged in a relentless battle to correct these fraudulent entries. I have submitted an alarming number of dispute requests, accompanied by detailed documentation and explanations to support my claims. Shockingly, these efforts have proven fruitless, as the fraudulent items continue to cast a dark shadow over my credit history. 

The gravity of this situation can not be overstated. It is not merely a clerical error ; it is a breach of trust and a blatant disregard for the fundamental principles of accurate credit reporting. This ongoing failure is not only impacting my creditworthiness but is eroding my confidence in the integrity of your dispute resolution process. 

I demand an immediate and thorough investigation into this matter, with an unwavering focus on removing the fraudulent items from my credit report. Furthermore, I insist on a detailed and unambiguous explanation for the repeated failures to address and rectify these issues. 

The time for platitudes and inadequate responses is over. I expect this matter to be treated with an unprecedented level of urgency, and I demand a substantive response within the exact timeframe from the date of this letter. Failure to rectify this matter promptly will compel me to escalate my complaint to regulatory authorities and explore all available legal avenues to address these persistent inaccuracies on my credit report. 

Enclosed with this letter, you will find, once again, the exhaustive supporting documentation for your reference. I trust that this will be the final instance in which I am compelled to provide evidence for an issue that should have been resolved with expediency. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$27.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Bright Capital Inc
State: MI

Complaint narrative:
Hello, I have been with Bright Money for a few months now and I have no had an issue until this month. This XXXX, I've noticed that I've gotten returned checking fee at an alarming rate. At first, I didn't think nothing of it. Until it started to stack up and suddenly I'm getting hit with XXXX, then XXXX and now almost XXXX in overdraft fees. I've talked with my bank and putt in a stop pay on them and they still managed to charge it through. I've talked with one of their reps and they assumed me that I wouldn't be charged any more on XX/XX/XXXX. It's currently Saturday, XX/XX/2023 and it's frustrating because I feel like my whole checks are going to be eaten up. All this month, I've had Bright Money charged my account to proc an returned check fee without my knowledge. 

The returned checking fees started on XX/XX/XXXX. Then it charged me again on XX/XX/XXXX, XXXX, and XXXX. 

My bank statement for XXXX is not ready as of the moment, but I am willing to provide the statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: MO

Complaint narrative:
I am writing this letter with an escalating sense of anger and frustration regarding the abysmal and unacceptable failure to remove fraudulent items from my credit report. Despite my numerous attempts to rectify this situation, the ongoing presence of these inaccuracies is not only infuriating but also jeopardizing my financial well-being. 

The nightmare began and since then, I have embarked on an exhausting odyssey of dispute submissions, each accompanied by an exhaustive compilation of evidence and detailed explanations to substantiate my claims. Astonishingly, these efforts have been met with an astounding level of incompetence and disregard, as the fraudulent items persist like a relentless adversary. 

This is not a minor glitch in your system ; it is a blatant violation of my rights and an affront to the principles of accurate credit reporting. The toll these persistent inaccuracies are taking on my financial stability and peace of mind is immeasurable and utterly unacceptable. 

I demand an immediate and comprehensive investigation into this matter, with an unwavering commitment to removing the fraudulent items from my credit report. Furthermore, I insist on a detailed and unambiguous explanation for the systemic failures to address and rectify these issues. 

The time for excuses and inadequate responses is over. I expect this matter to be treated with an unprecedented level of urgency, and I demand a substantive response within the exact timeframe from the date of this letter. Failure to rectify this matter promptly will leave me with no option but to escalate my complaint to regulatory authorities and explore legal avenues to address these persistent and egregious inaccuracies on my credit report. 

Enclosed with this letter, you will find, once again, the exhaustive supporting documentation for your reference. I sincerely hope that this will be the final occasion in which I am compelled to provide evidence for an issue that should have been resolved expeditiously. I am asking for your assistance to remove these fraudulent items in my credit file : 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

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 2023-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I open a chase checking account on XX/XX/XXXX. 

I deposited two checks on XX/XX/XXXX. 
XXXX for {$820.00} and the other for {$750.00}. 

The bank put my checks on hold until XX/XX/XXXX for the following reasons : Info received from the paying bank or due to information we have within our own files. 

On XX/XX/XXXX I told the bank if they can cancel my deposit so I can just go to the issuing bank and get my money the same day. They will not cancel and I just have to wait till the XX/XX/XXXX because they want to make sure they get the XXXX 

On XX/XX/XXXX the check for {$820.00} did not get paid for insufficient funds. I trusted the person who gave me the check an unfortunately he lied to me about the account having the funds to cover the check. 

Now on XX/XX/XXXX the check cleared for the {$750.00}. The issuing bank paid the money and chase is holding my money and doesn't not allow me to get it. They lied to me and they requiring for the person who wrote the check to contact them before I can get my money. This is outrages for them. They are holding my money & lend it out and making interst on it until they won't to give me my money back. I told chase I can provide them of anything they need about me. I provide then with all info they need to open my account. They have personal information. I DONT HAVE ANY CONTROL ON THE PERSON WHO WROTE ME THE CHECK NOR DUE THEY. The issuing bank has there information and if they had a issue with my check they would have check with there client. They paid the money because everything was good. I told chase you made me wait 10 days and I did and the money was cleared by the issuing bank and they no right to withhold the money they received for me. It's not there money, so what give them the right to hold my money. They need to pay me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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 am writing this letter with an escalating sense of anger and frustration regarding the abysmal and unacceptable failure to remove fraudulent items from my credit report. Despite my numerous attempts to rectify this situation, the ongoing presence of these inaccuracies is not only infuriating but also jeopardizing my financial well-being. 

The nightmare began and since then, I have embarked on an exhausting odyssey of dispute submissions, each accompanied by an exhaustive compilation of evidence and detailed explanations to substantiate my claims. Astonishingly, these efforts have been met with an astounding level of incompetence and disregard, as the fraudulent items persist like a relentless adversary. 

This is not a minor glitch in your system ; it is a blatant violation of my rights and an affront to the principles of accurate credit reporting. The toll these persistent inaccuracies are taking on my financial stability and peace of mind is immeasurable and utterly unacceptable. 

I demand an immediate and comprehensive investigation into this matter, with an unwavering commitment to removing the fraudulent items from my credit report. Furthermore, I insist on a detailed and unambiguous explanation for the systemic failures to address and rectify these issues. 

The time for excuses and inadequate responses is over. I expect this matter to be treated with an unprecedented level of urgency, and I demand a substantive response within the exact timeframe from the date of this letter. Failure to rectify this matter promptly will leave me with no option but to escalate my complaint to regulatory authorities and explore legal avenues to address these persistent and egregious inaccuracies on my credit report. 

Enclosed with this letter, you will find, once again, the exhaustive supporting documentation for your reference. I sincerely hope that this will be the final occasion in which I am compelled to provide evidence for an issue that should have been resolved expeditiously. I am asking for your assistance to remove these fraudulent items in my credit file : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-11-25 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-11-25 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: CA

Complaint narrative:
I was a Victim of identity theft, I notified the company lvnv associates, and resurgent about the ordeal I requested a cease and desist, I made a report with the frc Identity theft sent notice to the company, they repeatedly sent the same information to my address none which included what I asked for which was an original document with my signature on it. a copy of the document or anything something with my signature proving the that debt belongs to me, they have yet to furnish this paperwork, and they have repeatedly violated my cease and desist order by bombarding my email and home address with statements and payment plan offers. this has been on my report causing lots of damage to my home life and business life. It has made it almost impossible to secure a homer loan. causing marital problems ultimately causing the end of my marriage, my company struggles to stay afloat, with no one willing to give me a business line of credit due to my personal credit, I have even started the arbitration process

Company response to consumer: Closed with explanation