vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 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: CBC Companies, Inc.
State: SC

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
It has come to my attention that Discover Bank is currently reporting to all major credit bureaus that my Account XXXX Is past due by 60 days. Yesterday, XX/XX/XXXX, I spoke to several members of your Customer Service Department, as well as Collections. Several of your agents allege that I missed a payment in XXXX of XXXX and therefore this reporting is correct. I was then transferred to the Discover XXXX offices and spoke to XXXX. XXXX stated that he would conduct an investigation into this matter. I have reviewed past statements from XXXX of XXXX and have found no late payments during this period. Further, it seems mathematically impossible that I would be late 2 years later after making timely payments to your bank in excess of XXXX USD. 

This account remains paid off and closed to date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: MA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX - XXXX XXXX, XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XXXX XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: I.C. System, Inc.
State: TN

Complaint narrative:
I am writing to express my deep concern regarding several disputed accounts that remain inaccurately listed on my credit report. Despite multiple attempts to address these inaccuracies and repeated requests for a thorough investigation, there has been no resolution or corrective action taken to date. 

These erroneous accounts are severely damaging my credit file and significantly hindering my ability to lead a normal life. The negative repercussions of these inaccuracies have caused immense hardships, and I am left with no choice but to plead for your immediate assistance in rectifying this situation. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-08-06 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: FL

Complaint narrative:
Just checked my profile and had unahtorized inquiries and accounts that are not mine, pleas help this is affecting my credit and this should not be on my profule these are not mine. see attached IT IS ILLEGAL TO HAVE ITMS ON MY REPORT THAT ARE NOT MINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
So this is what happened : I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: MO

Complaint narrative:
I'm writing to discuss my nervousness regarding the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be completely analyzed. Notwithstanding my undertakings, I by and by really can't get any objective or medicinal movement. These inaccurate records are truly hurting my credit archive and disturbing my ability to continue with a standard life. The unfriendly outcomes of these mix-ups have caused huge challenges for me, and I'm left with no choice with the exception of to contend for your assistance with revising what's going on as fast as far as possible. I mercifully request that you direct a comprehensive assessment concerning the noteworthy of all of these challenged records. It is fundamental that the significant advances are taken to revive and address my credit report right away. With your help, I want to restore the precision and reliability of my credit record so I could recover control over my money related thriving. I sincerely urge you to offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue rapidly would be very important. Thankful to you early on for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
XX/XX/year> I received emails from my experian account saying I had new inquiries so I checked it and I had 7 new and I have no idea what they are. I dont need a new truck. I called the ones that answered and they said it was done online with my social and other sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: Westlake Services, LLC
State: MO

Complaint narrative:
XX/XX/year> I received emails from my experian account saying I had new inquiries so I checked it and I had 7 new and I have no idea what they are. I dont need a new truck. I called the ones that answered and they said it was done online with my social and other sensitive information.

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 2024-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have reported to Chase Bank, XXXX XXXX, Chase Bank XXXX from the XXXX, Ma XXXX on XX/XX/year> at XXXX committed ATM debit fraud by obtaining my ATM pin during a visit to the branch and has been disclosing account details at Chase Bank XXXX well as obtained and compromised my SS #.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: NY

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 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 2024-08-06 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: NY

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 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 2024-08-06 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: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
Date XX/XX/year> Amount {$1200.00} they gave me a hud partial claim document package to fill out

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 2024-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: PA

Complaint narrative:
Upon reviewing my credit report, I discovered some fraudulent accounts listed. Please remove these accounts as they are negatively impacting my creditworthiness.

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 2024-08-06 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: GA

Complaint narrative:
Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) to be incorrect : 1. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I had applied for a Business account at XXXX XXXX  they opened it but, a few days later closed it because they had received some type of information from the Early Warning service. 
I contacted EWS for a report and they sent me a report that showed XXXX XXXX on my account numerous times. I then proceeded to send XXXX XXXX and EWS dispute letters asking for them to Validate and verify this account. I have sent XXXX XXXX Two dispute letters and they have sent back a letter stating that the information is accurate. I have sent Early warning Service three different dispute letters asking them to validate and verify this debt. 
They have also replied with a letter each time stating that the reinvestigation confirms that the information contained in my file is accurate and complete as of the date it was furnished to our database. 
Under the FCRA SECTION Debt Validation : According to Section 809 of the FDCPA ( 15 U.S.C. 1692g ), within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector must send the consumer a written notice containing : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
A statement that unless the consumer disputes the validity of the debt or any portion thereof within 30 days after receipt of the notice, the debt will be assumed to be valid by the debt collector. 
A statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 
A statement that, upon the consumer 's written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
Debt Verification : If the consumer disputes the debt in writing within the 30-day period, the debt collector must cease collection efforts until it provides verification of the debt or a copy of the judgment. Verification typically involves obtaining and sending the consumer documentation that proves the debt is valid and that the consumer is responsible for it. 
I have asked them to send me a purchase agreement, proof of my signature, a copy of my photo something that shows proof that is my debt because I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: GA

Complaint narrative:
I'm reviewing my credit report and there is an inquiry that is not mine. XXXX XXXX  XX/XX/2024

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 2024-08-06 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2024-08-06 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: CA

Complaint narrative:
Based on the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing the necessary documents : a picture ID, a utility bill, and a letter from an XXXX XXXX assisting me as a victim of human XXXXXXXX XXXX XXXX, which is categorised under XXXX  as per XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I have provided identification and the required documents from the list of acceptable items, of which only two are legally required. Additionally, I have included a victim determination letter as specified in 1022.142 ( b ) ( 6 ).

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 2024-08-06 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: MO

Complaint narrative:
I'm writing to discuss my nervousness regarding the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be completely analyzed. Notwithstanding my undertakings, I by and by really can't get any objective or medicinal movement. These inaccurate records are truly hurting my credit archive and disturbing my ability to continue with a standard life. The unfriendly outcomes of these mix-ups have caused huge challenges for me, and I'm left with no choice with the exception of to contend for your assistance with revising what's going on as fast as far as possible. I mercifully request that you direct a comprehensive assessment concerning the noteworthy of all of these challenged records. It is fundamental that the significant advances are taken to revive and address my credit report right away. With your help, I want to restore the precision and reliability of my credit record so I could recover control over my money related thriving. I sincerely urge you to offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue rapidly would be very important. Thankful to you early on for your understanding and 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 non-monetary relief