vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Re : Request for Removal of Charge-Off Account Account : XXXX  Account Number : [ XXXX ] Dear Sir/Madam, I am writing to formally dispute the accuracy of the information being reported on my credit report under the account listed above. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq., I am exercising my rights under federal law to challenge the validity and completeness of this account 's reporting.

Under Section 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a detailed description of the investigation they conduct within 15 days of receiving a consumer 's dispute. Therefore, I request that you initiate a thorough investigation into this account 's history and provide me with the following information : 1. The Original Creditor 's Verification : Please verify the accuracy of the reported information with the original creditor, including the date of first delinquency and the accuracy of the balance owed. 
2. The Date of First Delinquency : According to my records, the date of first delinquency and subsequent charge-off may have been reported inaccurately. Please confirm this date, as it is critical in determining the reporting period.

3. Verification of Account Status : The current status of this account appears inconsistent across the various credit reporting agencies. Specifically : o XXXX reports the account as Charged off as bad debt with a derogatory rating and mentions Dispute resolved ; customer disagrees. 
o XXXX reports Subscriber reports dispute resolved - consumer disagrees, noting an unpaid balance reported as a loss. 
o Equifax lists the account as Amount in high credit original charge-off amount and mentions Consumer disputes after resolution.

4. Inconsistent Payment Histories : The payment history reported by XXXX, XXXX, and Equifax varies significantly, reflecting discrepancies that cast doubt on the accuracy of the account information. 
Given these inconsistencies, I believe that this charge-off account may not be reported accurately or in full compliance with the FCRA. Therefore, I am requesting that this account be removed from my credit report immediately, or that you provide conclusive evidence to support the continued reporting of this account.

If you are unable to verify the accuracy of this account, I expect you to remove it from my credit report within the legally mandated 30-day period. Additionally, please provide me with a copy of the detailed investigation report as required by Section 15 USC 1681i ( 7 ). 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your receipt of this dispute and the results of your investigation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/1985 SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I paid a law firm XXXX XXXX XX/XX/XXXX amount of {$650.00}. The law firm was supposed to grant me a divorce by XX/XX/XXXX by publication. Communication was poor, publication ad never ran due to fact law practice did not turn in documentation to XXXX news paper. I called Chase XXXX Banking and filed a dispute. When I filed this dispute the employee did not educate me on getting my funds back instead they filed a dispute asked the questions & I provided answers. I checked my bank account today & saw that the credits were reversed. I contacted Chase JPMORGAN XXXX banking and they educated me on a 30 day clause.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I have repeatedly filed disputes against this account. I did not receive a loan and or a line of credit in any way shape or form from this company/place/ business/ organization ..... THIS IS NOT MINE AND I WANT IT REMOVED IMMEDIATELY.! I HAVE ALREADY SENT THEM MY PROOF THAT THIS ACCOUNT IS NOT MINE..

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've applied for two separate refi mortgages in the past year. Both times, after the company I am working with runs my credit, I am bombarded by phone calls ( over 100 ) from other mortgage companies with high pressure salesmen trying to get me to use them instead. I can not see how it is legal or fair for credit bureaus to share with other lenders that my credit has been pulled for a mortgage inquiry. This should be changed and the practice should be stopped immediately. 

I also do not know which agencies are doing this, as I as the consumer do not know which company the lender is using.

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 2024-08-21 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: MS

Complaint narrative:
I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( 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 instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

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 2024-08-21 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: GA

Complaint narrative:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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:
I have been disputing the same accounts for the past couple months which have been coming back as Verified. I received a letter in the mail ( attached to complaint ) from XXXX XXXX XXXX stating that my information was leaked in a data breach around XXXX ( around the time I began noticing fraudulent accounts appearing on my report and started disputing them ). I submitted an ftc report with the data breach information already ( also attached ). Under 15 USC 1681i ( a ) ( 5 ) ( A ) you MUST REMOVE all fraudulent accounts listed below which under 15 USC 1681i ( a ) ( 1 ) I have the right to dispute all inaccurate information.XXXX XXXX bal {$1500.00}, XXXX bal {$3400.00}, XXXX bal {$160.00}, XXXX bal {$0.00}

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 2024-08-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I filed a dispute with Experian for personal information meaning my name has XXXX different names needs that need to be deleted and old address that need to be deleted also.

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 2024-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In the last 3 months I have continuously I mailed a dispute to XXXX XXXX XXXX and XXXX XXXX XXXX to remove the fraudulent Capital One account for {$460.00} open XX/XX/2022 as well as fraudulent addresses listed below I have never lived or associated with the following XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX has removed the following fraudulent and inaccurate information from my report, but XXXX and XXXX bureaus have not. This an accurate fraudulent information is hindering my financial progress with my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In the last 3 months I have continuously I mailed a dispute to XXXX XXXX XXXX and Experian XXXX XXXX to remove the fraudulent XXXX  XXXX account for {$460.00} open XX/XX/year> as well as fraudulent addresses listed below I have never lived or associated with the following XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX has removed the following fraudulent and inaccurate information from my report, but XXXX and Experian bureaus have not. This an accurate fraudulent information is hindering my financial progress with my credit 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 2024-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: MO

Complaint narrative:
In XXXX of XXXX, somebody got a hold of my identify and created an account through XXXX  under my name. Through this account, they ordered a list of items using credit. After a few months, XXXX closed the account and escalated to the debt collectors ( XXXX ). At this points the person who stole my identity created an account through XXXX for {$380.00}. When the amount wasnt paid to transworld the debt was then escalated to Amsher. 2 different police reports have been filed. 1 through XXXX and 1 for XXXX. I have also submitted identity theft claims for both XXXX and XXXX. Amsher sent me and affidavit that I have filled out and returned to them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXXXXXX XXXX  ( partial acct # XXXX ), has been incorrectly and negatively been reporting an invalid and unvalidated alleged debt -I requested a Debt Validation, to include a signed contract or agreement with terms, to repay any Valid Debt -I did not receive the requested information from XXXX XXXX  -I told XXXXXXXX XXXX  to cease any contact or communication, as it regards to this account -XXXX XXXX  has continually violated my rights by disregarding my correspondence and the laws that support all that I say, pursuant to 15 USC 1692c -These illegal and incorrect communications, as it regards to this account, have caused great hardship and struggles

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: GOLD STAR MORTGAGE FINANCIAL
State: CA

Complaint narrative:
For the XXXX  time : We have requested these documents in writing via certified mail to XXXX XXXX, Chief Legal Counsel for Gold Star as of XXXX and confirmed Gold Star received this request. Gold Star has ignored our request. 

1. XXXX document used by Gold Star Mortgage Underwriting prior to disbursing funds and signed by Gold Star employee ( s ) as part of the settlement package to confirm for XXXX XXXX that the name of the party to be paid as seller was correct and that Gold Star was in agreement with Centennial to disburse loan funds to the party named on this document. Because Gold Star seems unable to lay their hands on this very problematic ( for them ) document, we have attached our copy of what that looks like. We want Gold Star 's copy.

2. Please provide Gold Star 's copy of the XXXX which was actually signed by the Gold Star employee who is responsible for approving fund disbursal. As loan origination date is XXXX, this indicates these funds were wired prior to close of business on XXXX so the copy signed by Gold Star ( XXXX XXXX, really though, right guys? ) authorizing the wire will be dated and/or time stamped prior to the one we have included for reference in this complaint. 

3. A copy of the sales contract with buyer and seller ORIGINAL signatures, which, per XXXX XXXX, was requested by Gold Star on XXXX, after Gold Star had already received our DocuSign sales contract dated XXXX and with the binding counter offer dated XXXX. To assist Gold StaXXXX in locating this document, please see the attached request from XXXX XXXX indicating that this original-signature sales contract is needed as apparently our e-signature sales contract wasn't good enough. The only entity which had the right or need to request this would be the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: WI

Complaint narrative:
This is NOT a duplicate report and this is not filed by a XXXX party or XXXX XXXX XXXX. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions.
Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report. Thanks XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And might I addThere are quite bit of different names and addresses on my credit report that I I do not recognize and never used. Here are all the names XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX And there are several phone numbers that are not my number. So I asked that it be removed. There is employment data reported from a XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Please remove these items account names and phone number from my credit 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 2024-08-21 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: WI

Complaint narrative:
This is NOT a duplicate report and this is not filed by a XXXX party or XXXX XXXX XXXX. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions.

Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And might I addThere are quite bit of different names and addresses on my credit report that I I do not recognize and never used. Here are all the names XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX And there are several phone numbers that are not my number. So I asked that it be removed. There is employment data reported from a XXXX XXXX XXXX XXXX XXXX XXXX Please remove these items account names and phone number from my credit 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 non-monetary relief
Consumer complaint received 2024-08-21 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal charge account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection utitliy account opened at XXXX XXXX XXXX under account number XXXX. Theses accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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