vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate XXXX  XXXX Account Information on My Credit Report Pursuant to the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally dispute the accuracy of information reported by XXXX  XXXX on my XXXX credit report. The specific details of the disputed account are as follows : Creditor Name : XXXX  XXXX Amount Reported : {$360.00} Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), I am entitled to dispute any inaccurate or incomplete information on my credit report, and XXXX is obligated to conduct a reasonable reinvestigation of this disputed information within 30 days of receipt of this notice. Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies must adopt reasonable procedures to ensure maximum possible accuracy in the information they report. 

The information reported by XXXX XXXX is incorrect and materially affects my creditworthiness. Therefore, I am requesting that XXXX immediately initiate a reinvestigation into this matter and correct or remove this inaccurate information. 

Attached, please find copies of documents that support my position, including account statements, payment receipts, and correspondence with XXXX XXXX, demonstrating that the information currently reported is inaccurate. 

In accordance with FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the reinvestigation does not substantiate the accuracy of the disputed information, I expect XXXX to promptly delete or modify the incorrect information from my credit report. Furthermore, I request that you provide me with a written response outlining the results of your investigation and a copy of my updated credit report once the inaccuracies have been addressed. 

Please be advised that failure to comply with these obligations under the FCRA may result in legal action to enforce my rights. 

Thank you for your prompt attention to this matter. I expect a thorough investigation and resolution of this dispute in accordance with the FCRA 's requirements. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mnet Financial Inc
State: TX

Complaint narrative:
On Monday, XXXX at XXXX, I received a text message from Mnet Financial , a Debt Collector stating they recently sent a letter to me. I am writing to dispute the validity of the alleged debt referenced above this company claims I owe. I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request that you provide validation of this debt. I demand that you cease all communication with me regarding this matter, as required by law. Furthermore, I would like to bring to your attention Section 605B of the Fair Credit Reporting Act ( FCRA ), which states that consumer reporting agencies must block the reporting of information that results from identity theft or fraud. As such, it is imperative that you conduct a thorough investigation to ensure that this alleged debt is accurate and that it is not a result of identity theft or fraud. I have not given this company any authorization to contact me or have any of my personal ( non public ) information. Please provide the following information to validate the debt : 1. The original creditor 's name and contact information. 2. A copy of the original signed contract or agreement related to the debt. 3. Verification of the amount of the debt and how it was calculated. 4. Proof that you are licensed to collect debts in my state.

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 2024-09-23 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.

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 2024-09-23 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX has violated my rights. XXXX5 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.

I am writing to dispute certain items on my credit report that I believe have been reported unlawfully and may be in violation of federal law, specifically 18 USC 894.

Upon reviewing my credit report, I have identified the collection. These items appear to be associated with attempts to collect or punish me for non-repayment of credit in a manner that may be considered extortionate.

Under 18 USC 894, it is unlawful for any entity to knowingly participate in the use of extortionate means to collect or attempt to collect any extension of credit, or to punish any person for the nonrepayment thereof. I believe that the reporting of these items on my credit report may constitute a violation of this law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is in respnse to complaint XXXX The telephone number of the person I referred a few weeks ago ( NOT XXXX XXXX  ) is XXXX. The name is XXXX XXXX. XXXX XXXX is XXXX. Please give me teh XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm submitting a personal complaint about late payments on my credit record. Upon reviewing my file, I discovered these late payment entries. I sent letters about this issue more than 30 days ago, but I've received no response, and they haven't provided adequate validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, and XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I am writing to dispute certain items on my credit report that I believe have been reported unlawfully and XXXX be in violation of federal law, specifically XXXX XXXX XXXX. 
Upon reviewing my credit report, I have identified the collection. These items appear to be associated with attempts to collect or punish me for non-repayment of credit in a manner that XXXX be considered extortionate. 

Under XXXX XXXX XXXX, it is unlawful for any entity to knowingly participate in the use of extortionate means to collect or attempt to collect any extension of credit, or to punish any person for the nonrepayment thereof. I believe that the reporting of these items on my credit report XXXX constitute a violation of this law.

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 2024-09-23 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: PA

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

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 2024-09-23 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: FL

Complaint narrative:
I saw unauthorized inquiries on my credit report today, and I dont know where they came from. I regularly check my report, but this time, there were unexpected discrepancies. I refreshed my browser thinking it was a glitch, but the inquiries are still there. I need the documents I've sent to be thoroughly reviewed so I can finally put this matter behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: TX

Complaint narrative:
The Acconts below are more than 7 years old and should be delted from credit report. 

Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$32.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$32000.00} Highest balance - Terms 72 Months

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 2024-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
Branch did not help me with filling claim as tried calling number to file claim no help was received Fraudulent Transactions Claim need to be made XXXX {$1500.00} XXXX {$4200.00} XXXX {$4900.00} XXXX {$4900.00} Total {$15000.00} Company is fraud. As this was an investment. Company has not responded .Branch has giving hard time filing claim as I went to branch and called XXXX. This was investment of mobile application which was never 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 explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I received and email from Chase, with whom I have a credit card, on Saturday, XXXX XXXX XXXX of a data breach on XXXX XXXX XXXX  that compromised my social security number. Chase noted that it was compromised on nationalpublicdata.com. I was told to call the Social Security Administration. The Social Security Administration told me to contact the Federal Trade Commission. I completed a fraud complaint form and the FTC redirected me to the XXXX. So I am trying to find the best way to report the information from Chase that my social security number was compromised. I have all three of the credit review companies locked but I am not sure what else I need to do to prevent this from going any further, like into identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: CA

Complaint narrative:
Subject : Cease and Desist Communication and Formal Dispute of Debt under 15 U.S.C. 1692c ( c ) and FCRA Dear Sir/Madam, I am writing to formally dispute the validity of the debt that your agency claims I owe. I also hereby request that you cease any and all communication with me regarding this matter, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ). 

The details of the disputed debt are as follows : Creditor Name : XXXX XXXX XXXX Amount Claimed : {$580.00} Creditor Name : XXXX XXXX XXXX Amount Claimed : {$500.00} Creditor Name : XXXX XXXX Amount Claimed : {$270.00} According to 15 U.S.C. 1692c ( c ), upon receiving a written notice from a consumer requesting that a debt collector cease further communication, the debt collector must cease all attempts to communicate with the consumer except to inform them that collection efforts are being terminated or to notify them of any specific legal actions being taken. This letter serves as my formal written notice to cease all further communication regarding this matter, whether by phone, mail, or any other means. 

Additionally, I am disputing the accuracy and validity of the debt you are attempting to collect. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), you are obligated to conduct an investigation of any dispute that a consumer raises about the accuracy or completeness of information reported to credit bureaus. Therefore, I demand that you verify this debt and ensure that any inaccurate or unverifiable information is removed from my credit report immediately. 

Please provide me with written confirmation that you have received this cease and desist request and that you have either verified the debt or removed it from my credit report, in compliance with FCRA guidelines. Failure to comply with these federal laws may result in legal action to enforce my rights. 

Thank you for your prompt attention to this matter. I expect your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I can not spend the small amount of {$5.00} left as I have nothing that small and exact I am purchasing and everywhere I go they do not do split payments so asking Amex to cash out

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My social security number was found on the dark web. I am concerned that some entity will attempt to open up a checking account or a financial account in my name using my identity, and social security number.

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 2024-09-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: AK

Complaint narrative:
I have received several phone calls from XXXX team in an attempt to collect a debt from a payday loan I received from cash central in XXXX. This debt is well past the statue of limitations for legal action yet they are stating they already have a lean on my property and are stating they aren't attempting to collect a debt, but that it is a legal matter instead so the statue of limitations doesn't matter when I speak to them over the phone. I have since asked them to stop contacting as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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 writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: NY

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been making my payments each month including XX/XX/scrub>XXXX XXXX.

I later got an alert that a late payment was made on my XXXX account. 
My payment is not late. 

I am attaching a copy of my cancelled check for XXXX and my quick collect from XXXX for XXXXXXXX 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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been making my payments each month including XXXX XXXX 
I later got an alert that a late payment was made on my XXXX account. 
My payment is not late. 

I am attaching a copy of my cancelled check for XXXX and my quick collect from XXXX for XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been making my payments each month including XXXX XXXX 
I later got an alert that a late payment was made on my XXXX account. 
My payment is not late. 

I am attaching a copy of my cancelled check for XXXX and my quick collect from XXXX for XXXXXXXX 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