vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was in XXXX  for almost 3 years and someone fraud my credit theres several inquiries on my credit report that u never request or did. Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was in XXXX for almost 3 years and someone fraud my credit theres several inquiries on my credit report that u never request or did. Thank you for your help

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My Address Is completely missing from my report, therefore I can not access my credit file

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 2024-03-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I received a collection letter in the mail for an unknown debt. I requested validation from them on XX/XX/XXXX. Another letter was sent from them on XX/XX/XXXX with a contract copy and a bill nothing with a signature. I sent another letter certified on XX/XX/XXXX asking for proof of license to collect here in Illinois as well as a contract with my signature along with the purchase agreement. On XXXX XXXX I received a letter stating dispute investigation valid!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A fraudulent credit card was opened under my name and social security number with Chase. My wallet and information was stolen I have sent Chase a copy of the policy report and identity theft report.

Chase Bank keep closing my complaints and not responding appropriately. 

My complaint is that Chase is not addressing the fact there is a fraudulent credit card opened. The close the complaints without addressing them properly. 

The information on there file does not patch my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: CA

Complaint narrative:
In accordance with fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I told Experian, XXXX, and XXXX to investigate these accounts : XXXX XXXX XXXX acct 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 XXXXXXXX Bankruptcy XXXX However , they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that are not reporting correctly. 

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 they person knows or has reasonable cause to believe that the information in 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 2024-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I did a XXXX XXXX RESEARCH ON MY NAME AND THERE IS NO DEBT IN MY NAME

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc
State: TN

Complaint narrative:
XXXX requested a background check in XX/XX/XXXX. Items on my background report were reported clear in XXXX. In XXXX I was placed in the considered phase which caused me to loose my drivers position with XXXX. The items on my background check was a speeding ticket from XXXX that was paid & cleared with checker XXXX & XXXX, two auto accidents that were not any fault of mine. A drunk driver hit me in XXXX, XXXX & a lady making a uturn hit me in XXXX XXXX I was not given a ticket in either accident. I disputed this information with checkr & on each dispute they wouldnt reinvestigation nor consider the documents for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: NJ

Complaint narrative:
MY INFORMATION WAS BREACHED WHILE WORKING FOR A TEMP AGENCY. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND CREDIT INQUIRIES I HAVE NO AFFILATION WITH OR KNOWLEDGE OF. I CONTACTED THE CREDIT BUREAUS BY PHONE AND MAIL ADVISING OF THE INACCURATE AND FRAUDULENT ACCOUNTS BEING REPORTED ON MY PROFILE. I REQUESTED VERIFICATION AND THESE ACCOUNTS HAVE BEEN UNVERIFIABLE. 

FURNISHING INFORMATION TO PROFILE WITHOUT MY WRITTEN CONSENT IS IN VIOLATION OF 15 USC 1681, AND FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-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 2024-03-14 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: NJ

Complaint narrative:
MY INFORMATION WAS BREACHED WHILE WORKING FOR A TEMP AGENCY. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND CREDIT INQUIRIES I HAVE NO AFFILATION WITH OR KNOWLEDGE OF. I CONTACTED THE CREDIT BUREAUS BY PHONE AND MAIL ADVISING OF THE INACCURATE AND FRAUDULENT ACCOUNTS BEING REPORTED ON MY PROFILE. I REQUESTED VERIFICATION AND THESE ACCOUNTS HAVE BEEN UNVERIFIABLE. 

FURNISHING INFORMATION TO PROFILE WITHOUT MY WRITTEN CONSENT IS IN VIOLATION OF 15 USC 1681, AND FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: NY

Complaint narrative:
I am writing to follow up on my recent correspondence via the Consumer Financial Protection Bureau ( CFPB ) regarding my request for a reinvestigation and subsequent removal of disputed negative items from my credit report. Unfortunately, despite my previous efforts, I have yet to receive any resolution or acknowledgment from your department, leaving this matter unresolved and deeply concerning.

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 2024-03-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to and confidentiality under 15 USC 1681 Account name : XXXX XXXX account # XXXX Account name : XXXX XXXX account name : XXXX Account name : XXXX XXXXXXXX account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX Account # XXXX. 
Has violated my rights 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 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 USC 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 2024-03-14 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to and confidentiality under 15 USC 1681 Account name : XXXX XXXX account # XXXX Account name : XXXX XXXX account name : XXXX Account name : XXXX  XXXX account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX  Account # XXXX Account name : XXXXXXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX. 
Has violated my rights 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 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 USC 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 2024-03-14 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: Byrider Franchising, LLC
State: IA

Complaint narrative:
I was trying to buy a house and realize that I had damage on my credit report According to the 15 U.S.C 1681G law violation there should not be any damage on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
COMPLAINT XXXX. XX/XX/XXXX ( XXXX ) XXXX XXXX entered a open end consumer credit transaction involving a credit card agreement, with the Defendant American Express, for the total cash-equivalent to XXXX XXXX dollars. ( {$1000.00} ) ( see attached contract labeled Exhibit A Proof of Contract ) XXXX. Plaintiff XXXX sent the negotiable instrument, ( endorsed ), on XX/XX/XXXX, ( XX/XX/XXXX ) and on XX/XX/XXXX ( XX/XX/XXXX ) a tender of payment { see attachment letters labeled, Exhibit B Tender of Payment } XXXX. XXXX XXXX endorsed a coupon accompanied by a Tender of Payment on XX/XX/XXXX ( XX/XX/XXXX ) { see attachment letters labeled, Exhibit B Tender of Payment } XXXX. Plaintiff XXXX Tendered a Negotiable Instrument to Defendant American Express with Accord and Satisfactions as a performance to the contract on XX/XX/XXXX ( XX/XX/XXXX ) { see attachment contract labeled, Exhibit B Tender of Payment } XXXX. The Defendant American Express received multiple instructions pertaining to the principals balance and where to Transfer the Principals Balance { see attachment labeled Exhibit B Tender Of Payment } XXXX. Defendant American Express launched and investigation on the matter and upon further review told XXXX XXXX, they dont accept payment coupons modified to be used as payment instruments on XX/XX/XXXX ( XX/XX/XXXX ) { see attached letter labeled Denial Letter Exhibit C } XXXX. Defendant American Express refused to accept Tender of Payment and imposed more finance charges on XXXX XXXX credit card. Late fees, and interest charges. 
XXXX. The Defendant American Express refused to carry out Fiduciary Duties for Plaintiff XXXX and also refused to carry out the Accord and Satisfaction performance { see attachment labeled Exhibit C Denial Letter Non-Acceptance, REFUSAL } XXXX. Due to these acts the Defendant American Express Breached the Contract XXXX. XXXX XXXX was deprived of the Goods Proceeds in the Contract Sale XXXX. The Defendant American Express refuses to return negotiable instruments back to Plaintiff XXXX ( attachments not labeled and Proof of Contract is left out from files )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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:
It's my understanding that according to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? A few of the listed accounts seem to be incorrect, and it's causing me some distress.

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 2024-03-14 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: FL

Complaint narrative:
I find out new collection account from XXXX XXXX XXXX. Original name : XXXX XXXX XXXX. ( opened : XX/XX/2023 ) in my credit report with XXXX. I never had any deal with that company. First of all, I asked this company to prove to me that this is my debt and they didn't. If they can't verify my information, please remove it from my credit report immediately, i know it has to be remove in 30 days. If they can verify that it is my account please provide : method of verification, original contract with my sign and SSN number. Only if they will provide it, it can be verify! But i am sure they can't! This is not my debt, remove this account from my credit history. This is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2023 I was charged {$400.00} interest. They keep changing my interest rate. And my balance keeps going up.

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 2024-03-14 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: NY

Complaint narrative:
I am writing to follow up on my recent correspondence via the Consumer Financial Protection Bureau ( CFPB ) regarding my request for a reinvestigation and subsequent removal of disputed negative items from my credit report. Unfortunately, despite my previous efforts, I have yet to receive any resolution or acknowledgment from your department, leaving this matter unresolved and deeply concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: NY

Complaint narrative:
I am writing to follow up on my recent correspondence via the Consumer Financial Protection Bureau ( CFPB ) regarding my request for a reinvestigation and subsequent removal of disputed negative items from my credit report. Unfortunately, despite my previous efforts, I have yet to receive any resolution or acknowledgment from your department, leaving this matter unresolved and deeply concerning.

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 2024-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It has come to my attention that there are errors on my credit report. The account number XXXX XXXX XXXX XXXX amount XXXX usd. I am demanding the proof be provided that these accounts are in fact mine or removed. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. In Hinkle Vs Midland Credit Management , Inc., the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made. I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction.

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 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I am writing to dispute the validity of the debt referenced in the collection notice I received. I have no knowledge or recollection of this alleged debt, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Revco Management, LLC
State: CA

Complaint narrative:
I fixed a dispute in XX/XX/XXXX to show I paid full balance on XX/XX/XXXX the company saying I'm still past due and I didn't pay in XXXX in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: GA

Complaint narrative:
Transunion, XXXX, and XXXX is reporting this account with a late payment when it shouldnt be reporting late.

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 2024-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: IN

Complaint narrative:
XXXX on my credit report it's stating I went to a XXXX XXXX. I never went to a XXXX XXXX XXXX  The nelnet XXXX.

Company response to consumer: Closed with explanation