vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
On XX/XX/23, there was a fraudulent mobile check deposit of {$1500.00} into the checking account. On XX/XX/23, there were 2 fraudulent XXXX withdrawals of {$200.00} and {$300.00}. On XX/XX/23, the fraudulent check was discovered and {$1500.00} was removed from the checking account. The XXXX transactions of {$500.00} total were left as valid which is not true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XXXX I have conducted the payment in the amount of XXXX XXXX USD from my account with XXXX XXXX account of XXXX XXXX ( XXXX ) XXXX opened with XXXX XXXX XXXX BANK XXXX XXXX ) XXXX. JP Morgan Chase Bank was an intermediary bank in this chain. After this XXXX XXXX XXXX XXXX  ( XXXX ) XXXX reported to JPMorgan Chase bank XXXX. that XXXX XXXX XXXX XXXX  ( XXXX ) XXXX made a return in case of private policy. XXXX XXXX XXXX XXXX  ( XXXX ) XXXX made the reverse payment through XXXX  XXXX XXXX, New York. 
On XXXX XXXX, 2022 XXXX XXXX XXXX under the XXXX XXXX XXXX. Considering this, my payment must be blocked by intermediary bank according to XXXX sanctions regulation. In order to unblock the payment, I need to apply for a specific license to XXXX. However, JP Morgan Chase Bank or XXXX  XXXX XXXX, New York have not still blocked the payment or have not informed originating bank about freezing measures. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, XXXX XXXX not locate the records of the blocked payment. On XXXX, XXXX, XXXX, XXXX, XXXX we tried to contact JP Morgan Chase Bank and XXXX  XXXX XXXX, New York via XXXX from XXXX Bank XXXX XXXX to clarify if the payment was blocked and reported to XXXX and XXXX. Still, JP Morgan Chase Bank and XXXX  XXXX XXXX, New York have not responded. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LendingPoint Holdings LLC
State: PA

Complaint narrative:
I am a victim of identity theft. It appears someone gained access to my personal information and opened a loan with Lending Point company. I had to terminate my checking and savings account with XXXX XXXX  due to this identity theft because funds were being transacted via my financial institution without my knowledge or consent. 
Date of XXXX account termination XX/XX/23. 
I have spoken to a Lending Point representative over the phone and explained that my identity has been stolen and I did not apply for a loan with Lending Point. 
I have contacted the XXXX credit report companies and informed them of this identity theft. 
I am still getting phone notification from XXXX XXXX company currently. 
Please assist with possibly rectifying this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I am using this entity to demand payment for violations begore i file a suit in federal court. 
I have told them to stop amd thry continue to text me : XX/XX/XXXX I received a text message XX/XX/XXXX I put them on notice about refusal of paying the alleged debt Still obtained text messaged on the fallowing days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal actions by debt collectors Also violation of Identity theft, 15 USC 1681a4, as I have absolutely no contract with them and they gave a hold of my personal information eith out my permission. 

Please pay me a total of XXXX for the above mention violation I will post the proof of screen shots below. 

Act accordingly and avoid bring sued in federal court.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2023, Citibank closed my credit card account. This was shocking as my credit score is about XXXX and I had never had a late payment in the > 10 years of having the card. When I asked Citibank why the account was closed, I received a letter ( attached ) stating that during a recent review of my account, they discovered that I was associated with a XXXX related business. Therefore, they determined that they could no longer offer me financial services. 
I have not in the past nor am currently involved in any XXXX or XXXX related business either directly or indirectly ( investments ). I have never been to a dispensary. I do not use medical ( or any ) XXXX, and although I am a XXXX, I do not nor have I ever had anything to do with medical XXXX. I am willing to share my tax returns and provide a sworn affidavit if necessary.

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 2023-09-18 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:
In XXXX of XXXX I was notified of the EQUIFAX Data breach and my info was effected. 
There were fraudulant accounts that I discovereed were not mine, I filed with FTC Identity theft affidavit in XXXX along with reporting to credit bureaus and contacting banks. 

According to 15 USC 1681 Fair credit reporting act, I have right to a fair and accurate reporting without bias and and in a timely manner. 

XXXX, XXXX and EQUIFAX are blatantly violating and illegally inputting fraudulant and inaccurate info knowing full well it is illegal to provide my info without my consent and to for vendors to input a REAGED account that was deleted that did not belong to me. 

Original Creditor XXXXXXXX XXXX XXXX XXXXXXXX had to delete due to fraud and this account was opened back in XXXX, but XXXX  XXXX  has illegally obtained my info and has illegally reaged and fraudulantly inputed as I have opened a new account with them on XX/XX/XXXX and has detrimentaly affected my score! 
I have enclosed the FTC ID Theft affidavit with the exact account XXXX was forced to delete off my credit report due to fraud but now XXXX  has illegally obtained my info and fraudualntly said this was just opened. on XX/XX/XXXX and XXXX illegally inputted in my file without proper investigating of the account. 

I want this account removed immediately or I will sue for {$1000.00} per violations of my rights under the FAIR CREDIT REPORTING, I will sue and win because I have all of the evidence of documents that I filed back in XXXX XXXX XXXX. 
XXXX  and XXXX, EQUIFAX and XXXX, has violated my rights illegally and fraudulantly! 

XXXX has continuosly violated and fraudulantly said I can dispute online and receive a FREE credit report, to this day I have never been able to obtain my Free report online and to be able to dispute the fraud XXXX has reported on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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:
In XXXX of XXXX I was notified of the XXXX XXXX breach and my info was effected. 
There were fraudulant accounts that I discovereed were not mine, I filed with FTC Identity theft affidavit in XXXX along with reporting to credit bureaus and contacting banks. 

According to 15 USC 1681 Fair credit reporting act, I have right to a fair and accurate reporting without bias and and in a timely manner. 

XXXX, EXPERIAN and XXXX are blatantly violating and illegally inputting fraudulant and inaccurate info knowing full well it is illegal to provide my info without my consent and to for vendors to input a REAGED account that was deleted that did not belong to me. 

Original Creditor XXXX XXXX XXXX XXXXXXXX had to delete due to fraud and this account was opened back in XXXX, but XXXX XXXX  has illegally obtained my info and has illegally reaged and fraudulantly inputed as I have opened a new account with them on XX/XX/XXXX and has detrimentaly affected my score! 
I have enclosed the FTC ID Theft affidavit with the exact account XXXX was forced to delete off my credit report due to fraud but now XXXX  has illegally obtained my info and fraudualntly said this was just opened. on XX/XX/XXXX and XXXX illegally inputted in my file without proper investigating of the account. 

I want this account removed immediately or I will sue for {$1000.00} per violations of my rights under the FAIR CREDIT REPORTING, I will sue and win because I have all of the evidence of documents that I filed back in XXXX XXXX XXXX. 
XXXX  and XXXX, XXXX and EXPERIAN, has violated my rights illegally and fraudulantly! 

XXXX has continuosly violated and fraudulantly said I can dispute online and receive a FREE credit report, to this day I have never been able to obtain my Free report online and to be able to dispute the fraud XXXX has reported on 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 explanation
Consumer complaint received 2023-09-18 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: Ability Recovery Services, LLC
State: TX

Complaint narrative:
As per 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means aconsumer reportor portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumerreported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

So please tell me who you spoke to regarding this debt to take it upon your self to add this information to my reporting violating me ans resulting in Identity theft as per 15 USC 1681a4, and 15usc 1681b permissible delete immediately and cease and desist all this mess.

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 2023-09-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights : XXXX ). XXXX XXXX XXXX ( XXXX ) Account # XXXX XXXX ). XXXX XXXX  ( XXXX ) Account # XXXX Rights Violations : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions *According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. *They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. *Accounts has been deleted from XXXX but still showing on my report for XXXX and Experian. 

XXXX ) .XXXX Account # XXXX XXXX date : XX/XX/XXXX. 

XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX date assigned. 

*Please Delete all accounts through out all of my credits report ( XXXX, Experian XXXX XXXX XXXX Due to accounts opened fraudulently, Ive included identity theft report along with this complaint for proof, Ive also filed police report. 

I also want delete all inquiries that does not hold any open accounts as it may be fraudulent on XXXX, Experian 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 2023-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX ). XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX Rights Violations : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions *According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. *They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. *Accounts has been deleted from TransUnion but still showing on my report for XXXX  and XXXX 

XXXXXXXX XXXX XXXX Account # XXXX XXXX date : XX/XX/XXXX. 

XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX date assigned. 

*Please Delete all accounts through out all of my credits report ( transunion, XXXX XXXX XXXX XXXX Due to accounts opened fraudulently, Ive included identity theft report along with this complaint for proof, Ive also filed police report.

I also want delete all inquiries that does not hold any open accounts as it may be fraudulent on TransUnion, 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 2023-09-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Rights Violations : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions *According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. *They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. *Accounts has been deleted from XXXX but still showing on my report for Equifax and XXXX. 

XXXX XXXX XXXX  Account # XXXX Open date : XX/XX/XXXX. 

XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX date assigned. 

*Please Delete all accounts through out all of my credits report ( XXXX XXXX XXXX Equifax ) Due to accounts opened fraudulently, Ive included identity theft report along with this complaint for proof, Ive also filed police report. 

I also want delete all inquiries that does not hold any open accounts as it may be fraudulent on XXXX, XXXX XXXX Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
All inquiries are fraudulent as Ive not apply for anything in the past 3-4 years so all recent inquiries from any company is fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And more

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Inaccurate Reporting by Experian Dear Sir/Madam, I am writing to express my deep concern and frustration with Experian, one of the three primary credit bureaus, regarding the inaccurate reporting of my credit usage for the past year or more. I have diligently sought corrections multiple times without success, which has resulted in an unjust detriment to my credit score. 

Specifically, Experian erroneously continues to report an open XXXX XXXX card on my credit file when, in fact, this account has been closed. I have been in constant communication with Experian regarding this discrepancy, and every time I am informed that they have communicated with the respective company and updated the results. Regrettably, no actual changes have been reflected in my report. 

It's worth noting that I am currently in the second year of a debt consolidation program with Parachute Debt Consolidation, which mandates the closure of all credit accounts. This further underscores the inaccuracies in Experian 's report. Interestingly, the other two major credit bureaus are reporting my status accurately, not showing a staggering 64 % credit usage, as Experian does. 

Furthermore, during the unprecedented challenges of the pandemic, both XXXX XXXX and XXXX XXXX  XXXX XXXX refused to cooperate or offer a payment agreement, even as I faced significant financial hardship. Their stance has also added late payments to my credit report for several months, a reflection that does not align with my genuine efforts to make good on my commitments. 

My primary goal is to ensure that my credit score is a true representation of my financial responsibilities and behavior. It is disheartening that, despite my earnest efforts to resolve my debts and improve my financial health, certain institutions and entities are not supportive of this journey.

I appeal to the Consumer Financial Protection Bureau to intervene in this matter. It is essential for consumers to trust that the information reported about them is accurate and fair, especially when it has significant implications on their financial futures. 

I am seeking your assistance in ensuring that Experian corrects these inaccuracies promptly. It would be much appreciated if you could review this case and provide the necessary guidance to rectify the situation. 

Thank you for your time and consideration. I look forward to a swift resolution. 

Sincerely, yours, 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