vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 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: VA

Complaint narrative:
Credit Bureau Name : Experian Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX Va XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX Subject : Dispute of Incorrect and Illegal Late Payment on Credit Report Dear CFPB, I am writing to have this incorrect late payment entry on my credit report corrected and updated to paid on time immediately. According to my records, this information is inaccurate and should be corrected under the Fair Credit Reporting Act ( FCRA ) within 30 days. 

Details of the Dispute : Account Name : XXXX XXXX XXXX  Partial Account Number : XXXX Date of Incorrect Late Payment : XX/XX/XXXX Or XX/XX/XXXX 15 U.S. Code 1681s-2 According to legal code 15 U.S. Code 1681a - Definitions ; rules of construction ( Cornell.edu ) ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual. 

In this case XXXX  XXXX XXXX is the person as defined above and below and I, XXXX XXXX am the consumer as defined above and below. 

15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A late payment as defined above would be an experience between the consumer and the person making the report because any person who is deemed late would also incur a late fee which is a transaction as defined above and should not be reported on any persons consumer report because it is also illegal.

Furthermore, U.S. Code 1681s-2 states that furnishers of information to consumer reporting agencies are required to provide accurate information. The late payment reported on my account is incorrect because and needs to be reversed immediately because it is not correct and illegal as defined above to report any experience per legal codes above.

Additionally, under U.S. Code 1681a, I am entitled to dispute any information in my credit report that I believe is inaccurate or false.

Requested Action : I request that this late payment entry be reversed or removed from my credit report immediately. Please notify me in writing of the results of your investigation and any actions taken.

Thank you for your prompt attention to this matter. I look forward to your response. 

Respectfully, 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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
**Subject : Urgent Request to Update Credit Report Due to Data Breach** Dear Credit Reporting Agencies, I am writing to urgently request an update to my credit report due to a recent data breach that compromised my personal information. To protect my credit and prevent fraudulent activity, please take the following immediate actions : XXXX. **Update my contact information : ** Ensure that all of my current contact information is accurately reflected on my credit report. 
XXXX. **Remove inaccurate or fraudulent items : ** Remove any items on my credit report that are not accurate or do not belong to me. 
XXXX. **Place a fraud alert : ** Place a fraud alert on my credit report to notify potential creditors of the data breach. 

I have attached the necessary documentation directed to each agency specifically to support my request. Please respond promptly and accordingly to safeguard my credit. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. After reviewing my consumer report, I noticed that there are reported late payments on an account with XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ). I would like to clarify that I have never been late on this account and have always made my payments on time. 

Consumer reporting agencies have a critical responsibility to report customer information accurately and fairly. Incorrect information such as this can significantly affect my XXXX XXXX and hinder my efforts to repair and maintain good credit standing. 

I kindly request that you investigate this matter and correct the inaccuracies on my credit report. Please provide feedback regarding the outcome of your investigation, as this erroneous information adversely impacts my credit rating. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution.

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 2024-08-25 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: SANTANDER HOLDINGS USA, INC.
State: WV

Complaint narrative:
Back in late XXXX of 2024, I noticed an auto loan on my credit report. This is not mine, nor do I own a car with financing from Santander XXXX. I always buy my vehicles with cash, and own them outright. THIS IS NOT MINE. 
I have reached out to Santander XXXX  times now, and each time I receive the attached form letter back in the mail. 
I am at my wits end with trying to resolve this. 
Any suggestions on how I can get this removed from my personal credit reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Went to ATM, withdrew {$560.00} Did not dispense money screen said ATM could not be used until further notice ( have picture of screen saying this ) stayed for 10 minutes to see if it would dispense did not dispense the money I went through bank staff to communicate the problem and went through the proper channels and my claim was denied. I called the claims department, as instructed, six times until the denial

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-25 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: FIRST PORTFOLIO SERVICING INC
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX and I am in the XXXX XXXX. I have been XXXX for XXXX  years and prior to that based in XXXX XXXX for the last XXXX  years. Your company XXXX XXXX XXXX  has allowed someone to open an account under my information at an address that I have not lived at in over XXXX  years to open and account fraudulently without my knowledge or permission and the representatives are refusing to remove this information from my credit reports. I have filed multiple complaints about this and exhausted myself before my last resort which is contacting an attorney as this is a violation of my rights at this point. The IDENTITY THEFT reports and documentation were all sent to your company XXXX XXXX and clearly showing I do not even live in the XXXX where this account was opened or anything and they have refused to remove it. Even collection agencies have verified that it was fraudulently and your company XXXX XXXX XXXX refuses to comply. I had multiple accounts opened fraudulently and each bank tooo care of it swiftly EXCEPT YOURS who seems determined to cause me financial harm and distress and violate the FCRA as well as mt rights. I ask XXXX last time before I have to contact an attorney to deal with this situation. Please remove me from your system and remove this account off my credit report. I would kindly appreciate your company doing the right thing instead of ignoring the obvious and continuing to hurt my family financially due to identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: IL

Complaint narrative:
I am filing this formal complaint against Equifax and the entities responsible for allowing the entry of these unauthorized credit inquiries on my credit report. I am requesting the immediate deletion of all 26 inaccurate credit inquiries, as these were the result of identity theft and were made without my authorization, in clear violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681n.

Details : Unauthorized Inquiries : The 26 credit inquiries, listed in my report, were made without my consent. Each date listed represents a separate unauthorized inquiry. This constitutes a willful violation of the FCRA, which prohibits obtaining a consumer report under false pretenses or without a permissible purpose. 

XXXX XXXX - XX/XX/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 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 XX/XX/XXXX, XXXX & XX/XX/XXXX XXXX Violation of 15 U.S.C . 1681n : Under this statute, any person or entity that fails to comply with the requirements of the FCRA is liable for damages. The entities responsible for these inquiries have willfully ignored the legal requirements, making them liable for both statutory and actual damages. 

Violation of XXXX XXXX ( XXXX ) : The financial institutions involved have also failed to comply with the GLBA by not providing me with the required privacy notices at the time of establishing a customer relationship. This law mandates that I be given the opportunity to opt out of sharing my non-public personal information ( NPI ) with non-affiliated third parties. The failure to provide such an option has unlawfully exposed my personal information to unauthorized third parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: InDebted Corporation
State: MD

Complaint narrative:
On Saturday, XX/XX/year>, I received an electronic communication from a company by the name of XXXX XXXX XXXX, a debt collection agency alleging a debt owed to XXXX, a buy now pay later loan service. I received another comunication on Sunday, XX/XX/year>, which I find to be in violation for religious reasons. The communication is through email. Due to concerns with phishing, I do not open suspicious links sent through email or text. I find the communications suspicious as I have not received any validation information through the United States Postal Service. I find the conduct of XXXX XXXX XXXXXXXX to be in violation of the Fair Debt Collection Practices Act as their electronic communications are increasing in order to harass, oppress, and abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: MI

Complaint narrative:
THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 


I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT BUREAUS, AND I HAVE IDENTIFIED Some COLLECTIONS ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. THE INACCURACIES INCLUDE ACCOUNTS THAT DO NOT BELONG TO ME BECAUSE THE DEBT COLLECTOR PURCHASED THEM, AND I HAVE NEVER ENGAGED IN ANY BUSINESS TRANSACTIONS WITH THE THIRD-PARTY DEBT COLLECTOR. 
BELOW ARE THE DETAILS OF THE INACCURATE COLLECTIONS ACCOUNTS Please send all documents of proof that you are legally authorized to obtain my information and collect because I did not authorize any of this stuff Org creditor : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: MA

Complaint narrative:
XXXX XXXX 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 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 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 explanation
Consumer complaint received 2024-08-25 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: NY

Complaint narrative:
I am writing to express my extreme frustration and outrage regarding the presence of fraudulent accounts on my credit report, as reported by your bureau. The accounts are blatantly fraudulent and have been acknowledged as such by the associated banks, which have already taken steps to remove them from their records. 

Despite my repeated efforts and sending the required FTC report to have these fraudulent accounts removed from my credit report, your bureau has failed to take action. This is unacceptable and has had a detrimental impact on my credit score and financial standing. 
It is important to note that the other major credit bureaus, namely XXXX and XXXX, have promptly removed these fraudulent accounts from their records after verifying its fraudulent nature. The fact that your bureau has not followed suit is deeply concerning and reflects poorly on your commitment to fair and accurate reporting. 

XXXXXXXX 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 2024-08-25 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: NY

Complaint narrative:
I Recently reviewed a copy of my credit report and noticed I had Hard Inquiries on my report. Please remove this account from my report. They are hurting my ability to obtain credit. 


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 2024-08-25 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: NY

Complaint narrative:
I Recently reviewed a copy of my credit report and noticed I had Hard Inquiries on my report. Please remove this account from my report. They are hurting my ability to obtain credit. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: TX

Complaint narrative:
I received a copy of my consumer report on XX/XX/2024 and I noticed there are some inaccuracies reporting to my report! According to he FCRA and 15 usc 1681 I, when a consumer reporting agency crates a consumer report is should follow reasonable procedures to assure the maximum possible accuracy of the information concerning the person in which the report is reporting about! An also conduct a procedural investigation These accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ), Are reporting inaccuracies

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 2024-08-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My credit card was closed in XXXX and I did not receive any information about it being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX XXXX, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Creditor Name : LVNV Funding LLC Amount Claimed : {$7400.00} Date Opened : XX/XX/year>2022 I have no knowledge of this company, nor have I had any debt in the past XXXX  years subject to my name. This company has fraudulently opened debt that is older than XXXX  years subject to XXXX  state limitations for debt collection, this company has also went to court and obtained fraudulent judgment on me which is illegal, I was not provided any evidence of their claims nor was I given proper documentation for representation I court since judgement was given without proof of evidence nor my presence or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NV

Complaint narrative:
Chime financial institution again continue to violate consumer rights an there investigation department is a farce I've contacted the merchant for my disputed charges whom informed me they haven't asuch as received a phone call in regards to my disputes XXXX  days after after waiting XXXX  days for this transaction to settle chime is open XXXX  days a week which means the weekend counts as a business day so trying to use the weekend as a copout to hold my money is baffling

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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