vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 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 looked at my credit report on and noticed some things are incomplete and not accurate. I sent a letter to Experian and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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 USC 1681i ( XXXX ) it states that this ( XXXX ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This is unfair and if they are doing this to me imagine who else they are doing this too. 

Here are the list of accounts that are not reporting accurately ( Name and account numbers ), delete accounts immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i XXXX XXXX ) ( A ) ( i ) & ( ii ), and 15 USC 1681e 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 explanation
Consumer complaint received 2024-03-18 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: TX

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
Dear Sir/Madam, I, XXXX XXXX XXXX am writing to dispute a debt collection account that appears on my credit report. Upon reviewing my credit report, I noticed an entry from Wakefield & Associates regarding an alleged debt in the amount of {$1100.00}. The original creditor listed is XXXX XXXX XXXX. I am formally disputing the validity of this debt and request a thorough investigation into this matter. 

I do not recognize this debt nor have I ever had any dealings with XXXX XXXX XXXX or Wakefield & Associates. Therefore, I believe there has been a mistake or possibly fraudulent activity associated with this account. 

I request that you provide me with detailed information regarding the debt, including : Confirmation of the original creditor, XXXX XXXX XXXX. 
Documentation proving the debt is valid and legally owed by me. 
Verification that Wakefield & Associates has the legal authority to collect this debt. 
Any contracts or agreements bearing my signature related to this debt. 
I also request that, during the investigation process, this disputed item be temporarily removed from my credit report to prevent any further damage to my credit score, as required by the Fair Credit Reporting Act ( FCRA ). 

Please be aware that under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute the validity of any debt reported on my credit file. I expect a prompt and thorough investigation into this matter in accordance with these laws. 

Furthermore, I request that all communication regarding this debt collection account be conducted in writing to ensure a clear and documented record of our correspondence. 

Please find enclosed a copy of my credit report highlighting the disputed item for your reference. I kindly request that you update me on the progress of the investigation within 30 days of receiving this letter. 

Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost professionalism and diligence. 

Sincerely, XXXX XXXX Enclosures : - Copy of Credit Report - Any supporting documents ( if applicable )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I had a SPARK business credit card with Capital One, I have been using it actively and was paid automatically with no delay, then, my credit card stopped working and I thought I ran the magnetic stripe. Never thought anything of it as my bills were always paid and I froze my credit account last year in avoidance of hacking or identity theft. 
Then, I called on XX/XX/XXXX and I was told that my account was closed by the bank because they sent me mail requesting my business XXXX number, and address and my failure to respond caused my credit card to be closed. After hearing this from the representative I immediately, paid off my remaining balance right there and then because that is who I am I pay my debts. Then, when I asked about my points, I was told that it was already redeemed when I have not redeemed a single point. During that call, on XX/XX/XXXX, the representative said that to call back because it's on redemption. 
My reason of complains are the following : 1. Capital One did not ensure that I will receive the postal mail that was supposedly mailed last XX/XX/XXXX. It was not a registered mail, there was no follow up mail or letter to assure that's its been received. 
2. I never received any text or courtesy call regarding this matter.

3. I never heard back from Capital one at all.

4. I only realized that the problem was not the physical credit card when my automatic bill pay was cancelled. I could have lost my benefits from my insurance company because of this action from Capital One. 
I deserve to be treated kindly and with respect and fairness. 

This is an unacceptable action from Capital One. I want my points back, I paid for it and own it. This company needs to change their procedure in contacting clients, it is wrong and ineffective to assume that a single non registered letter is sufficient to get the attention of their clients when we now live in the digital age. 

Thank you for your help! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
By XX/XX/2022 I got a mail from pressler felt and warshaw XXXX XXXX XXXX XXXX nj. Upon opening the mail.it was an identity theft some one use my info behind me and get a credit card and I responded to all the mail that I do not trasact any bussiness with what I'm.be sued until they sued me to court and I reported this to the 3 credit bureau which they took out the debt from.my credit because it was not my account and they still went ahead and took me to the superior court in new jersey which I responded to all the mail a d when the collection agency sent the invoice of the fraudulent transaction I quickly noticed who did the fraud because on the invoice show my name and the address on the invoice I never leave on the address and layer I realized that was where my ex use to live and that was when I knew it was her and I went to the XXXX police to sue her for identity theft and they said I need to get a mail from the original debtor which I call so many times and they never pick up and I went back to XXXX police and XXXX they can't do nothing. And also this particular person that stole my ID is also has another fraud she did which buying a furniture 8 years ago when we still together and when she move out of nj I call her every month not to destroy my credit and she says she's paying until after 2 years got a mail from same pressler felt warshaw llc that the monthly payment for the furniture has not been paid for a year and I contacted my ex and I had her with pressler felt and warshaw llc and they ask her to send all the payments to them which she lied she did and she never did and I was sue by pressler felt and warshaw and as a spiritual man.i take responsibility for what I did I bought the furniture for her with my card and I had an accident then and in my pain I was able to pay XXXX to XXXXressler and they keep harassing me calling me at odd hours that I had to block all the numbers they call me and while the case was in court they keep sending me.different mails and I had reported them.also to the arttoney general of New Jersey and they are trying to garnish my wages which I got an electronic mail from.the court.tell them to go else where to look for free money.i word hard for my money to XXXX for my family not to pay no.money I know nothing about and they should stop sending mails.to.my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: 1st Franklin Financial Corporation
State: MS

Complaint narrative:
i noticed my creit score dropped by XXXX  points and i called XXXX and said that i had 30 hard inquires on my account. I did not authroize4 these transaction. and i would like them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: OH

Complaint narrative:
I reviewed my consumer reports and noticed that I had late payments on an account I was never late for. The consumer reporting agencies have assumed a vital role and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts and I have included screenshots inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be because I was never late. Thanks! Please see the screenshot attached :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: OH

Complaint narrative:
I reviewed my consumer reports and noticed that I had late payments on an account I was never late for. The consumer reporting agencies have assumed a vital role and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts and I have included screenshots inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be because I was never late. Thanks! Please see the screenshot attached :

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 2024-03-18 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: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( S ). Block and Remove

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( S ). Block and Remove

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 2024-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX Account Number : 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 2024-03-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
According to FCRA 605B, it seems imperative that we eliminate any erroneous entries from my credit report. Would you mind reviewing the documents? There seem to be discrepancies in some of the listed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date : XX/XX/2023 XXXX  Date : XX/XX/2023

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 2024-03-18 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX  Date : XX/XX/2023 XXXX  Date : XX/XX/2023

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 2024-03-18 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX || Date of inquiry : XX/XX/XXXX. XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date XXXX inquiry : XX/XX/XXXX XXXX  || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Company Reporting information I do not know or wish to have reported. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
I received the e-mail attached below. I am not XXXX XXXX. Also, the debt collector is based in Nevada and is violating Nevada law which has a six year statute of limitations and this judgment is from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
I made my payments for XXXX and XXXX. I never onces recieved any calls from them stating payments were missing and I never once recieved anything in the mail regarding missed payments. This company has never compromised with me about fixing the solution instead they sent paperwork to my work instead of me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation