vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: DE

Complaint narrative:
I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> I've sent my most recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of XXXX to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

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 2025-01-10 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/year>, You MIDLAND CREDIT MANAGEMEN } You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. 
I have not given you written permission to put anything on my credit profile 15 USC 1681b2. 
You have no permissible purpose by law to contact third parties with my private or personal information. 
Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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:
Dear Equifax, I am writing to dispute unauthorized inquiries listed on my credit report, which violate the permissible purpose requirements outlined in 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ).

I had a conversation with the dealership and made it explicitly clear that I only wanted my credit application to be submitted to one bank. Despite their attempts to convince me that submitting it to multiple lenders would improve my chances of approval, I firmly declined, emphasizing my concern about accumulating multiple hard inquiries on my credit report. However, they disregarded my instructions and submitted my information to several lenders without my explicit authorization. 
I later reached out to the dealership for an explanation, but they were unable to provide a satisfactory response. Furthermore, they made no effort to address or rectify the issue, leaving me deeply disappointed with their handling of this matter. This violates FCRA requirements. The inquiries in question are as follows : XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I request that Equifax investigate and remove these inquiries from my credit report as they were made without my consent. Under 15 U.S.C. 1681i, you are required to investigate disputes within 30 days. Please provide confirmation of removal or documentation showing my explicit authorization.

If these unauthorized inquiries are not addressed, I will consider seeking legal remedies under 15 U.S.C. 1681n and 1681o.

Thank you for your timely response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: CA

Complaint narrative:
I am writing to bring attention to a critical issue on my credit report. It contains mixed and inaccurate information, including accounts and items I have no connection to. This has been an ongoing source of stress and XXXX for me.

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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am seeking your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, and they agreed, yet the late payments are still being reported. Despite reaching out, Ive received no updates, making this my final attempt to resolve the issue.

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 2025-01-10 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: PA

Complaint narrative:
XXXX  reported my payoff then for what ever no it show something different XX/XX/scrub>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 2025-01-10 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: PA

Complaint narrative:
XXXX  reported my payoff then for what ever no it show something different XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX  reported my payoff then for what ever no it show something different XX/XX/scrub>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 2025-01-10 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MN

Complaint narrative:
This letter is in response to your recent claim that XXXX XXXX XXXX have verified that the accounts they are reporting under my name is accurate. 

I challenge the accuracy, compliance, and report ability of this listing.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within ( 15 ) days of the completion of your re-investigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification in unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance. 

More case law of non-compliance, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I remind you that, as in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for breaching your duties to maintain reasonable procedures and to reinvestigate under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for taking an unreasonable long time to reinvestigate a dispute and failing to delete inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MN

Complaint narrative:
This letter is in response to your recent claim that XXXX XXXX XXXX have verified that the accounts they are reporting under my name is accurate. 

I challenge the accuracy, compliance, and report ability of this listing.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within ( 15 ) days of the completion of your re-investigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification in unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. 

More case law of non-compliance, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX. 

I remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for breaching your duties to maintain reasonable procedures and to reinvestigate under the FCRA. 

XXXX XXXX XXXX XXXXXXXX ( now Experian ), XXXX XXXX, you may be liable for taking an unreasonable long time to reinvestigate a dispute and failing to delete inaccurate or unverifiable 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 2025-01-10 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: FL

Complaint narrative:
Please take this complaint seriously, as my credit report contains accounts and items that are not mine due to mixed and inaccurate reporting. This situation has caused me great frustration and anxiety, as it continues to impact my financial stability.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems XXXX has reported to XXXX XXXX XXXX  ( credit reporting agencies ) that my debt was opened ( debt originated ) on XX/XX/year>. The date is incorrect. The debt took place over XXXX  years ago, and thus should be removed from all credit reporting agencies in accordance with XXXX and XXXX Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am asking for the in correcting collections on my account to be removed. I have reached out to the credit bureaus and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take this complaint seriously, as my credit report contains accounts and items that are not mine due to mixed and inaccurate reporting. This situation has caused me great frustration and anxiety, as it continues to impact my financial stability.

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 2025-01-10 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: GA

Complaint narrative:
In XX/XX/XXXX while out of town visiting family for Christmas my husband and I went through a fraud. Our account was hacked and {$1500.00} was withdrawn from my account. I notified chase and I was sent a new card and had to create a new username and password for my accounts. I was just notified on XX/XX/year> that they will NOT make any changes to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
I am disputing the collection account with WAKEFIELD amp ASSOCIATES, account numberXXXX dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that WAKEFIELD amp ASSOCIATES, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: IN

Complaint narrative:
Experian is modifying my disputes in order for the investigation to fall in their favor! Rather than remove the inaccurate information that wasnt reported in a timely manner. 
The cfpb has been notified of the fraud on several occasions & have not acted & if they did act nothing has changed which makes them criminally & civilly liable as well being they have jurisdiction over these matters. At this point the credit bureaus are the identity thieves! Ive found out how my identity has been compromised, I have records through the cfpb notifying them how Experian is disputing accounts that are in good standing on my credit file that they have no history of me every disputing, therefore destroying my financial reputation etc.Experian has put me through financial hardship & I seek relief

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 2025-01-10 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: OK

Complaint narrative:
I am reaching out with a serious concern regarding my credit report. It reflects accounts and transactions that do not belong to me, likely due to mixed information. This situation is overwhelming and has caused me undue stress 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
Consumer complaint received 2025-01-10 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 noticed {$1000.00} was withdrawn from my bank account without my authorization. I immediately reported this to Chase, and they assured me that they would investigate the matter. They mentioned they would contact XXXX XXXX to attempt to recover the funds, as the transaction was made through XXXX XXXX. 

A week later, I received a letter stating that the transaction was authorized, and they declined to return the funds. When I followed up, I was informed that the person who withdrew the money used my card information, PIN code, and the same device ( an XXXX XXXX XXXX XXXX ) in the same area I live in. Despite this, Chase did not provide any further assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had 5/3 bank as my mortgage company, I recently refinanced and at the time of refinance the settlement company paid my school taxes because 5/3 bank didnt take it out yet. As soon as the settlement company sent the check out so did 5/3, but the settlement company checked cleared first so the money went back to 5/3. This was back in XX/XX/2024. The check was for a little over {$3400.00}. Ive been trying to get that check since the end of XXXX beginning of XXXX. 5/3 claims they sent XXXX checks out since. I just want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: IL

Complaint narrative:
Hello, I would like to initiate an investigation into these accounts due to concerns about their accuracy on my credit report. These accounts were removed in the past but have been reinstated without my knowledge. I did not receive any notification or mail regarding their reappearance.

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 2025-01-10 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: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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