vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 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: CA

Complaint narrative:
Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my TransUnion credit report by XXXX Upon reviewing my credit report, I discovered that XXXX has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to XXXX or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation. 

Furthermore, it has come to my attention that XXXX is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at my contact information listed below to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-03-15 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: KS

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: OH

Complaint narrative:
I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account XXXX ) that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) you are required to remove/block any accounts or information not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX  XXXX XXXX : {$2400.00} XXXX XXXX  XXXX XXXX : {$11000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$2000.00} XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  NA XXXX XXXX : {$3300.00} XXXX XXXX Balance : {$4700.00} XXXX/XXXX  XX/XX/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 2024-03-15 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: OH

Complaint narrative:
I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX  XXXX XXXX : {$2400.00} XXXX XXXX  XXXX XXXX : {$11000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$2000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX AV XXXX XXXX, OH XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  NA XXXX XXXX : {$3300.00} XXXX XXXX Balance : {$4700.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
Please review the attached documents. I request that the bureau initiates an investigation into these accounts. I have never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: NC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :

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 2024-03-15 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: CA

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.has violated my rights. 

Account name : # Original Creditor account number : # XXXX Account name : # Original Creditor account number : # XXXX Account name : # Original Creditor account number : # XXXX Account name : # XXXX XXXX account XXXX : # XXXX Account name : # XXXX XXXX account number : # XXXX Account name : # XXXX  account number : # XXXX Account name : # XXXX account number : # XXXX Account name : # Original Creditor account number : # XXXX Account name : # Original Creditor account number : # XXXX 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 2024-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
I have paid in full my utility bill XXXX XXXX XXXX of {$96.00}. Sent proof of payment to all credit bureaus. All except XXXX has removed it. 
I Have contacted the collection agency they refused to comply. They said they sent a letter to XXXX to have it removed, but when I dispute I caused the delay. I don't understand. I'm just trying to pay my bill and fix my credit but they insist on dragging me down. They don't want me to fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: FL

Complaint narrative:
I disputed errors on my credit report with Experian and XXXX, XXXX. Experian stated they could not dispute my credit so they didnt do their job and ignored my request. I never heard back from XXXX 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 2024-03-15 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: NY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was told The cost of the XXXX ride was XXXX. XXXX overcharged the ride to more than double that Amount. Chase refused to allow me to dispute the charge on line and by phone refused to issue a temporary credit to allow the charge to be disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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:
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.has violated my rights. 

Account name : # Original Creditor account number : # XXXX Account name : # Original Creditor account number : # XXXX Account name : # Original Creditor account number : # XXXX Account name : # XXXX XXXX account XXXX : # XXXX Account name : # XXXX XXXX account number : # XXXX Account name : # XXXX account number : # XXXX Account name : # XXXX  account number : # XXXX Account name : # Original Creditor account number : # XXXX Account name : # Original Creditor account number : # XXXX 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 2024-03-15 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: SC

Complaint narrative:
In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX  XXXX XXXX, ( XXXX ) XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX. 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: SC

Complaint narrative:
In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 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 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate.

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 2024-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Duncan Solutions, lnc.
State: TX

Complaint narrative:
Professional Account Management has sent a letter for an alleged debt that I do not owe for a toll invoice. They are trying to extort me for a debt I do not owe and have threatened a vehicle registration denial, an order banning use of an XXXX  XXXX XXXX, a fine of up to {$500.00}, and/or vehicle impoundment. It seems as though Professional Account Management seems to be a repeat violator of consumers like myself according to CFPB consumer complaints in trying to collect an assumed debt not owed. They do not validate information thoroughly with XXXX, as they would not have tried to collect a debt that I don't owe. They have threatened to provide false and misleading information that would damage my reputation, and cause harm to me. As a consumer, I expect for my rights to not be violated.

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 2024-03-15 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-15 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: IL

Complaint narrative:
I've called XXXX XXXX several times and advised them my information was incorrect. According to my credit report. I never had lights in my name until XXXX in my very first apartment I'm currently living at. I've disputed this several times with XXXX XXXX and credit bureaus. I was told lights were turned on in my name between XXXX and XXXX. I was still able to get lights turned on where I currently live but it's showing on my credit report which is affecting my 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 2024-03-15 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: IL

Complaint narrative:
I've called XXXX XXXX several times and advised them my information was incorrect. According to my credit report. I never had lights in my name until XXXX in my very first apartment I'm currently living at. I've disputed this several times with XXXX XXXX and credit bureaus. I was told lights were turned on in my name between XXXX and XXXX. I was still able to get lights turned on where I currently live but it's showing on my credit report which is affecting my 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 2024-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank locked me out of my account as of XX/XX/year>. Almost all banking now is done on line and I can not access either my checking or savings accounts unless I agree to two agreements over one hundred pages changing the terms of service, taking away rights to access the courts, forcing arbitration, absolving itself from liability for security breaches, and containing power of attorney clauses all of which I do not agree to and Chase does not provide any option to opt out of these terms. Also, you should not have to read hundreds of pages of dense contract language that deprive you of rights and provide Chase with a one sided opportunity to coerce you into agreeing by locking you out of your accounts. I have been a Chase customer for nearly 20 years and I have never seen such a brazen attempt at abridging customer rights with a complete disregard for the customer 's need to be able to access their accounts that they rely on to pay bills and make transactions. This is the exact type of behavior that the CFPB should protect against and Chase should be prosecuted and fined.

Company response to consumer: Closed with explanation