vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-03 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: NY

Complaint narrative:
NAME INCORRECT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS INCORRECT : XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, NY, XXXX EMPLOYMENT INCORRECT : XXXX XXXX XXXX XXXX Dismantling HARD INQUIRES : Unauthorized Inquiry XXXX Date of Inquiry : XXXX XXXX, XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Unauthorized Inquiry. 
XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Unauthorized INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry XXXX XXXX XXXX  Date of XXXX : XXXX XXXX Unauthorized Inquiry XXXX Date of Inquiry : XX/XX/XXXX DELETE ALL!! 

UNDER 15 USC 1666B THIS LATE PAYMENT ENTRY IS A VIOLATION. I HAVE BEEN INCORRECT BILLED ALL XXXX ACCOUNT XXXX PLEASE UPDATE THE STATUS OF THIS ACCOUNT TO PAID ON TIME XXXX  XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX  XXXX ACCOUNT XXXX THIS ACCOUNT NEEDS TO BE VALIDATED XXXX  ACCOUNT 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 2024-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Under the Fair Credit Report Act, this creditor has violated my rights under 15-USC-1681 Section 6 to 2 states I have the right to privacy ( 15-USC- 1681 ) Section 6 0 4 a section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
This is related to existing complaint XXXX. Because I can not submit additional information after I have submitted the complaint, I am providing you an update that the bank is lying to the CFPB. Please see the attached whereby the chairman and CEO of the payee ( XXXXXXXX XXXX  ) stated that Chase confirmed the check that was fraudulently endorsed and deposited. There should be no reason why JPMorgan Chase is not reimbursing the funds. Due to the large nature of the transaction I have lost over {$35000.00} in investment potential because JP Morgan Chase has not refunded this amount due to their wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: AR

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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 2024-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: First National Collection Bureau, Inc.
State: IL

Complaint narrative:
Since 2021 I have been receiving emails from First National Collection Bureau , IncXXXX Their Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They claim I owe them a debt in the amount of {$770.00}. I have explained to them before I had never done any sort of business transactions with their said creditors, to be sure that I have never done any business with their creditors I check my credit report. And they are not listed on my report. I've explained this to them previously but it seems as if they are not understanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: MO

Complaint narrative:
Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: 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 XXXX XXXX XXXX. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES : 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 I did not authorize XXXX XXXX Transunion, and XXXX to access or use my credit information. At no point did I open an account with this company or give them permission to use my credit information. 

I believe this action violates the Fair Credit Reporting Act ( FCRA ), specifically [ cite specific sections of the law, e.g., Section 604 for permissible purposes of consumer reports, Section 609 for disclosure of information to consumers, etc. ].

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 2024-08-03 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: 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 XXXX XXXX XXXX. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRES : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I did not authorize XXXX XXXX XXXX, and Equifax to access or use my credit information. At no point did I open an account with this company or give them permission to use my credit information. 

I believe this action violates the Fair Credit Reporting Act ( FCRA ), specifically [ cite specific sections of the law, e.g., Section 604 for permissible purposes of consumer reports, Section 609 for disclosure of information to consumers, etc. ].

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: OH

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
LATE DATES XXXX  months XXXX AND XXXX XXXX '' XXXX XXXX '' XXXX XXXX '' XXXX I was told by the company that their system did not show these payments as being late I also explained that this was doing Covid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: OH

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-08-03 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: IN

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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 2024-08-03 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have two hard inquiries on my credit report that I did not approve. One is XXXX The other is Wells Fargo Card Services I need my accounts protected immediately.

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 2024-08-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Credit, Inc.
State: TX

Complaint narrative:
After careful consideration of my records, I have serious concerns about the validity of this debt and the manner in which it's being collected. 

First and foremost, I don't recall ever agreeing to or signing any contract related to this alleged debt. As you're surely aware, a legally binding agreement typically requires the consent of both parties, which I don't believe occurred in this case. 

Furthermore, I'm troubled by the lack of proper validation for this debt. The Fair Debt Collection Practices Act ( FDCPA ) outlines specific steps for debt validation, and from my perspective, these steps haven't been followed. This oversight raises questions about the fairness and legality of your collection practices. 

I'm also concerned that information about this disputed debt may have been furnished to credit reporting agencies without my agreement or proper verification. This action could potentially harm my credit standing unfairly. 

Given these issues, I'm formally requesting that you provide comprehensive validation of this debt, including : 1. A detailed breakdown of the alleged debt amount 2. Documentation proving your legal right to collect this debt 3. Confirmation that the statute of limitations hasn't expired Until you can provide this information, I respectfully ask that you cease all collection activities related to this alleged debt. This includes pausing any reporting to credit bureaus while this matter is under dispute. 

I want to emphasize that I take my financial responsibilities seriously. However, I'm equally committed to protecting my rights as a consumer. The FDCPA provides important protections against unfair debt collection practices, including potential compensation for violations. While I'm not making any specific claims at this time, I do want to ensure that my rights under the FDCPA and other relevant consumer protection laws are fully respected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: VA

Complaint narrative:
XXXX XXXX XXXX attempted to sue me for an alleged debt after multiple atmepts to get this debt validated before and after court, they still never sent me the information needed to validate this alleged debt. 

In court the judge granted my motion to compel arbitration. 

I initated the arbitration process with the XXXX, XXXX XXXX XXXX failed to comply. Resulting in XXXX closing the case. 

Absolute resolution continues to report this on my credit report monthly damaging my credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: OH

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: FL

Complaint narrative:
CAPITAL ONE is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XXXX and XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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 saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: MA

Complaint narrative:
Dear NRA ; National Recovery Agency ; This is fraudulent, not mine, never had relationship with non of these companies associated with. Basically, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation

: 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 2. Legal basis for the collection of this debt. 3. Proof of your authorization to operate in my state.
4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.

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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: 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. 
Account name : The XXXX XXXX XXXX Acct # XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I am not liable for this debt with XXXX XXXXXXXX XXXX XXXX. I do not have any contract with XXXX  XXXX XXXX XXXX, they did not provide me with the original contract as I requested.

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 2024-08-03 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: IA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax : On XX/XX/year>, I mailed a dispute letter to Equifax disputing the completeness and accuracy of accounts on my credit report. I recently received a response from Equifax that was issued by them on ( date Equifax sent the letter ) that they received my dispute but they would not process it because they are assuming it is from a 3rd party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Equifax do its job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver 's license and proof of address.

Company response to consumer: Closed with explanation