vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: PA

Complaint narrative:
Over the past XXXX months I have submitted certified letters disputing the account information reporting of my credit file regarding the credit Item : XXXX. XXXX XXXX XXXX XXXX # XXXX. All three CRA is reporting different information and all three CRA keep telling me that they verified the account information even thought all are reporting conflicting information. The accuracy and completeness is in violation of FCRA Laws : For example XXXX.Date open different on all CRA XXXX, XXXX XXXX XXXX. Date of last payment is different on al CRA XX/XX/XXXX, XX/XX/XXXX XXXX. Date of last late payment is different on all CRA XX/XX/XXXX, XX/XX/XXXX. Account balance is different on all CRA {$15000.00}, {$16000.00} {$15000.00} XXXX. Date account was closed is different on all CRA XXXX, XXXX, XXXXXXXX XXXX  # XXXX XXXX report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$15000.00} Date Open : XX/XX/XXXX Date Closed : XX/XX/XXXX XXXXXXXX  # XXXX XXXX report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$16000.00} Date Open : XX/XX/XXXX DATE Closed : XX/XX/XXXX XXXX # XXXX XXXX report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$15000.00} Date Open : XX/XX/XXXX date closed : XX/XX/XXXX All three CRA is reporting different information on the same account and I have be disputing for months and every month each one responded that they have verified the information. I have documented all disputes and responded for XXXX months to use a exhibits to prove in my FCRA claim of the reporting violations and damages this inaccurate reporting have caused to my credit score. The accuracy and completeness in credit reporting is the standard. I continuously on a monthly basis disputed this inaccuracies and the CRA willfully and negligently doubled down on telling me in writing that the have verified the account to be complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: NJ

Complaint narrative:
On XX/XX/year>, I formally requested that Equifax provide proof of my authorization for the inquiry listed on my credit report via the CFPB portal. In response, Equifax requested that I submit proper identification to proceed with the investigation, which I promptly provided. Despite this, on XX/XX/year>, I received a letter from Equifax claiming that the inquiry was valid because my information was allegedly used to obtain a mortgage. 

Let me be clear : I am not disputing the validity of the inquiry. I am disputing that this inquiry was fraudulent and unauthorized. I never granted permission or authorized anyone to make an inquiry regarding a mortgage on my behalf. To substantiate my claim, I subsequently provided Equifax with an FTC affidavit of fraud confirming that this inquiry was unauthorized. 

Equifax has blatantly violated my rights under the Fair Credit Reporting Act ( FCRA ) and CFPB guidelines by failing to provide proofsuch as my signature or any documentationauthorizing this inquiry. They are now legally obligated to remove this unauthorized inquiry from my credit report immediately. 

This is a formal demand for the immediate removal of the fraudulent inquiry. Failure to comply will leave me with no option but to escalate this matter further, including pursuing legal action to enforce my rights under the law. I expect prompt confirmation of the removal of this inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was a victim of Identity theft. XXXX  police report number XXXX ( and others ) were filed. 
Negative information is still being reported regardless of anything. 
Accounts with over XXXX XXXX XXXX years still show up on my report and company won't remove it. 
I respectfully request your assistance in removing all negative information off my report ASAP. 
Negative information that is incorrect being report for a very long period of ti.e and affecting my personal and Family well-being. 
Numerous attempts as well as hiring professional companies to do so to remove negative information yielded negative results. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was a victim of Identity theft. XXXX  police report number XXXX ( and others ) were filed. 
Negative information is still being reported regardless of anything. 
Accounts with over XXXX XXXX XXXX years still show up on my report and company won't remove it. 
I respectfully request your assistance in removing all negative information off my report ASAP. 
Negative information that is incorrect being report for a very long period of ti.e and affecting my personal and Family well-being. 
Numerous attempts as well as hiring professional companies to do so to remove negative information yielded negative results. 
Sincerely, 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 2024-08-11 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: PA

Complaint narrative:
Consumer report agencys ( transunion and Experian ) are in violation of 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of error 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.

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.

Duty a moral or legal obligation ; a responsibility Accurate, correct in all details ; exact.

PROHIBITION : a law or regulation forbidding something The continued reporting of this inaccurate information is a clear violation of the Law 15 USC1681 s-2 of your responsibilities as a furnisher of information. 
They are furnishing webbbank/fingerhut which was charged off and sold. The alleged debt do not belong to XXXX no more. So furnishing this information on my consumer report is in violation of 15 usc 1681 s-2

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 2024-08-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MO

Complaint narrative:
I've never had a contract with this debt collector. I also have been a victim of identity theft and have been going through the proper course of actions to get that repaired part of that identity theft was the XXXX items on my credit report by Jefferson capital. XXXX 's in XXXX XXXX, XXXX XXXX. And the other was XXXX XXXX. I already got XXXX  taken off. Due to the identity theft. please provide proof from the original predator that this debt collector owns this debt and has the legal authority to collect it or delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a XXXX XXXXXXXX XXXX Economic Injury Loan for XXXX that was deposited at my personal Chase account, the Bank accepted the money. I used XXXX, and after a month when I tried to get the rest of the money the bank closed my account. I have never received my money. The Bank stayed with the funds, including my paycheck from my current job at the moment. I am still being accounted for the Loan and I have to pay the full XXXX back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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.

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
XXXX XXXX is incorrectly reporting my Open and Active account as closed and charged off. I opened the account in XX/XX/year> and have had the same account number. XXXX XXXX is incorrectly reporting the same account as ACTIVE, CLOSED, and CHARGED OFF at the same time even though I am current and making payments. I have disputed this with the credit agencies and i have called and emailed XXXX XXXX numerous times but they will not update the Closed status to Active and current. This is detrimental to my credit score. How can I be current and closed and active at the same time? There is nothing in the contract that states I am being closed or refinanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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:
On XX/XX/year> I sent my FTC Report, PA license to Equifax. I have fraudulent information reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: 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.

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 2024-08-11 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.

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to bring to your attention a serious issue with my credit report that I have been unable to resolve despite multiple attempts. My credit report contains an incorrect name and address, and there are accounts listed under this incorrect information that do not belong to me. I have only one correct name and one correct address, which I have provided above.

1. Violation of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 The inclusion of incorrect name and address information on my credit report violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and complete information. Under the FCRA, I have the right to dispute inaccurate information, and the credit reporting agencies are required to investigate and correct these errors within 30 days.

2. Violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - Address Discrepancy Rules The incorrect information on my credit report also implicates the Fair and Accurate Credit Transactions Act ( FACTA ). The Act requires that any substantial discrepancies in address information be addressed and resolved by the credit reporting agencies. Failure to comply with these provisions can result in significant harm to consumers.

3. Potential Financial Compensation for Violations Under the FCRA, if the credit reporting agencies fail to correct these errors or continue to report inaccurate information, I may be entitled to monetary compensation. Specifically : Actual Damages : I may recover actual damages incurred as a result of the errors, such as increased interest rates, denied credit, or other financial losses.

Statutory Damages : In cases of willful non-compliance, I may be entitled to statutory damages ranging from {$100.00} to {$1000.00} per violation.

Punitive Damages : In cases of willful or reckless violations, the court may award punitive damages.

Attorneys Fees and Costs : The FCRA also allows for the recovery of attorneys fees and court costs if legal action becomes necessary.

4. Request for Deletion of Incorrect Accounts As a result of these violations, there are accounts associated with the incorrect name and address that do not belong to me. I am formally requesting that all accounts linked to the incorrect name and address be deleted from my credit report.

5. Previous Attempts to Resolve I have reached out to the credit reporting agenciesEquifax, XXXX, and XXXXon multiple occasions to address these errors. Unfortunately, I have not received any responses or confirmation that these issues have been addressed. The lack of response is not only frustrating but also constitutes further non-compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-08-11 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: PA

Complaint narrative:
On XX/XX/year> I sent my FTC Report, PA license to TransUNion. I have fraudulent information reporting on my consumer 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 2024-08-11 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: NJ

Complaint narrative:
On XX/XX/year>, I formally requested that Equifax provide proof of my authorization for the inquiry listed on my credit report via the CFPB portal. In response, Equifax requested that I submit proper identification to proceed with the investigation, which I promptly provided. Despite this, on XX/XX/year>, I received a letter from Equifax claiming that the inquiry was valid because my information was allegedly used to obtain a mortgage. 

Let me be clear : I am not disputing the validity of the inquiry. I am disputing that this inquiry was fraudulent and unauthorized. I never granted permission or authorized anyone to make an inquiry regarding a mortgage on my behalf. To substantiate my claim, I subsequently provided Equifax with an FTC affidavit of fraud confirming that this inquiry was unauthorized. 

Equifax has blatantly violated my rights under the Fair Credit Reporting Act ( FCRA ) and CFPB guidelines by failing to provide proofsuch as my signature or any documentationauthorizing this inquiry. They are now legally obligated to remove this unauthorized inquiry from my credit report immediately. 

This is a formal demand for the immediate removal of the fraudulent inquiry. Failure to comply will leave me with no option but to escalate this matter further, including pursuing legal action to enforce my rights under the law. I expect prompt confirmation of the removal of this inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federa

lly protected consumer rights to privacy and confidentiality under 15 USC 1681. 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