vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I discovered the debt on my credit report, I disputed the debt and sent proof I was a victim of identity theft they sold it to another third party instead. I sent letter to the credit agencies and still not removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

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 2024-01-18 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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible 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

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 2024-01-18 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: Self Financial Inc.
State: TN

Complaint narrative:
The following accounts are violating my rights by report the following information to my credit report with the following late payments. In accordance with the Fair Credit Reporting Act this creditor has violated rights under 15USC 1681a2Ai states I have the right to privacy. 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 unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Ive recently requested verification of inaccurate accounts reporting on my credit report and received a response stating the account was verified and unable to remove accounts. I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is requirea to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Per the FCRA you are required to provide this information within 15 days or delete the negative items from my report. Also, for a lender to CHARGE OFF any debt the lender that cancels or forgives a debt must send Form 1099-C to the IRS and the borrower. If I receive a 1099-C, I may have to report the amount shown as taxable income on your income tax return. This form was not sent which violates 15USC 1681eb which states 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. 

XXXXXXXX XXXX  ACCT # XXXX XXXX  Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX XXXX  Late XXXX XXXX XXXX  XXXX XXXX ACCT # XXXX XXXX Balance {$97.00} Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX Balance {$440.00} CHARGE OFF

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-01-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
Lexington law supposed to be helping me with my credit I've been paying them over a year and haven't seen any credit report getting better

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The other credit bureaus have been able to recognize and act upon the fraudulent nature of these accounts, and I expect Equifax to follow suit by promptly removing them from my credit report. The continued reporting of these fraudulent accounts is adversely affecting my creditworthiness and causing significant distress. I insist that Equifax complies with the law and promptly removes the fraudulent accounts from my credit report. I am a victim of identity theft, and it is disheartening that Equifax has not complied with the law and continues to report these fraudulent accounts. It is perplexing that these accounts persist without valid verification, especially when other credit reporting bureaus have successfully removed them in accordance with the Fair Credit Reporting Act XXXX XXXX XXXXFRAUD, PLEASE DELETE!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The other credit bureaus have been able to recognize and act upon the fraudulent nature of these accounts, and I expect Experian to follow suit by promptly removing them from my credit report. The continued reporting of these fraudulent accounts is adversely affecting my creditworthiness and causing significant distress. I insist that Experian complies with the law and promptly removes the fraudulent accounts from my credit report. I am a victim of identity theft, and it is disheartening that Experian has not complied with the law and continues to report these fraudulent accounts. It is perplexing that these accounts persist without valid verification, especially when other credit reporting bureaus have successfully removed them in accordance with the Fair Credit Reporting Act. 

XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX  XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX- PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX- PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX - PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXXXXXX - PLEASE DELETE!!! XXXX have already removed this account from their records. 

XXXX XXXX XXXX, PLEASE DELETE!!!

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 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I spent {$63.00} at XXXX XXXX by XXXX in XXXX XXXX which is a XXXX XXXX  property. This amount is supposed to count towards the Amex Offer I enrolled which is " Get a one-time {$100.00} statement credit by using your enrolled eligible Card to spend a minimum of {$250.00} USD in one or more purchases on room rate and room charges at participating XXXX XXXX properties in the U.S. and U.S. territories , the XXXX, XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX. See terms. '' Combined with other expenses at XXXX, I would be qualified for that {$100.00} credit as stated in the offer. However, the digital team at American Express told me this transaction is not eligible. Even though XXXX XXXX by XXXX is not excluded in the terms and conditions of that offer, they still told me that it is not eligible. This is deceiving and not right. The terms and conditions does not say " excludes but not limited to '' or " ..., etc. '' My transaction has met the condition, is not excluded according to the terms, but I still didn't receive the credit. 

" Your enrollment of an eligible American Express Card for this offer extends only to that Card. Offer valid only on room rate and room charges at participating XXXX XXXX properties in the U.S. and U.S. territories, the XXXX, XXXX and XXXX. Reservations must be made online at XXXX, via the XXXX XXXX XXXX or by calling XXXX. Excludes The XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX by XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX  by XXXX XXXX XXXX and XXXX. XXXX I have pulled up the XXXX XXXX that shows city express part of it and shared a screenshot below. 

XXXX XXXX XXXXXXXX? XXXXXXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX Amex sent a letter after I filed a complaint stating that although the aforementioned hotel " is a part of XXXX XXXX affiliate to XXXX XXXX, you may not receive the statement credit if we XXXXeceive inaccurate or are otherwise unable to identify your purchase as qualifying for the offer ''. However, when I reached out to Amex customer service on XX/XX/XXXX or XX/XX/XXXX, the customer representative was able to verify the aforementioned hotel after checking the hotel 's website and told that she will send this information to the team and this {$63.00} will be counted towards the offer. If your customer support has said so, that means you were aware of this information and even if the original information was not accurate, the customer representative was able to verify it and provide the rest of team of the accurate information. If you ( Amex ) deliberately tried to ignore the correct information provided to you by the offer expiration date, you were at fault then. I would like to claim the {$100.00} was supposed to get or equivalent reward points as compensation for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Recently, when I reviewed my credit reports, I discovered two accounts that I did notrecognize : XXXX XXXX ( Account Number : XXXX ) and BARCLAYSBANKDELAWARE ( Account Number : XXXX ). I recall losing my walletyears ago, which contained my driver 's license, social security card, and credit card. Isuspect thatsomeone might have used this information to fraudulently open theseaccounts. I need assistance in removing these unauthorized accounts from my creditreport.

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 2024-01-18 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$330000.00} XXXX XXXX XXXX XXXX Balance : {$20000.00}

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 2024-01-18 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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 report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I receive Chase Credit XXXX alerts from XXXX to XXXX. 

I dont have a chase account and want chase to stop emailing me. Ive tried to opt out but it wants me to sign in. I havent had a chase account in a while

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$330000.00} XXXX XXXX XXXX XXXX Balance : {$20000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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:
Recently, when I reviewed my credit reports, I discovered two accounts that I did not recognize : XXXX XXXX ( Account Number : XXXX ) and XXXX XXXX ( Account Number : XXXX ). I recall losing my wallet years ago, which contained my driver 's license, social security card, and credit card. I suspect thatsomeone might have used this information to fraudulently open these accounts. I need assistance in removing these unauthorized accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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:
Recently, when I reviewed my credit reports, I discovered two accounts that I did not recognize : XXXX XXXX ( Account Number : XXXX ) and XXXX XXXX ( Account Number : XXXX ). I recall losing my wallet years ago, which contained my driver 's license, social security card, and credit card. I suspect thatsomeone might have used this information to fraudulently open these accounts. I need assistance in removing these unauthorized accounts from 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 2024-01-18 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-01-18 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: GA

Complaint narrative:
I did not authorize any transactions. 

XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXnquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief