vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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

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 2024-05-30 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: TX

Complaint narrative:
In regards of my repeated attempts to rectify these issues directly with the credit reporting agencies and the respective financial institutions, these inaccuracies remain unresolved. I have contacted the credit reporting agencies and the financial institutions involved to dispute these fraudulent items. I have provided all necessary documentation, including police reports, identity theft affidavits, and proof of my identity. Despite these efforts, the fraudulent items remain on my credit report, causing significant damage to my credit score and financial standing. I want the immediate removal of all fraudulent items from my credit report. The presence of these fraudulent items on my credit report is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting for your intervention to ensure that these inaccuracies are corrected promptly and that my credit report accurately reflects my credit history. Please help me remove the following negative items : 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 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 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

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 2024-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Smith & Smith Investors LTD
State: IA

Complaint narrative:
They have claimed that i owe XXXX XXXX XXXX and i cancelled that service several times and they have refused to verify the debt. I want collection off of my credit report or I will take legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-05-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
Dear Attorney XXXX XXXX I am providing you with dates and XXXX information for payments made to XXXX on my mortgage account. I cant understand why this is always an issue with XXXXXXXX XXXX reporting inaccurate information. XXXXXXXX XXXX is reporting Ive missed payments from XX/XX/XXXX to XX/XX/XXXX, and payments from XX/XX/XXXX to XX/XX/XXXX. I am providing documentation to dispute these allegations of missed payments and inaccurate payments made. 

XX/XX/XXXX XXXXXXXXXXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXXXXXX XXXX $ {$900.00} XX/XX/XXXX XXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$920.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} Please see attachment for XXXX dates paid and XXXX conformation numbers. 

Thank you. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: Northstar Location Services, LLC
State: NV

Complaint narrative:
NORTHSTAR LOCATION SERVICES , LLC accessed my consumer report without permissible purpose violating the guidelines under the law. I am prepared to take any necessary action to safeguard my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: IL

Complaint narrative:
Section 623 ( a ) ( 6 ). If a furnisher learns that is has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must therafter report only complete and accurate information. The following items has been identified as inaccurate and must be removed immediately 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, as a consumer in the US my rights has been violated, specific to section 16668, 1681a, 6058, 1691i, my credit report maintained by your agency contains inaccurate accounts that are severely impacting my financial standing and reputation. Remove the accounts listed above or I will be forced to take further action, in addition I am requesting a block of information from my credit report. this is not in error or a misrepresentation on my behalf. Please remove within 4 day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: InDebted Corporation
State: OH

Complaint narrative:
I had a loan with XXXX  for {$6000.00} that I was making payments to XXXX a month. If I fell behind customer service informed me that as long as I made the payment by the XXXX of each month and even posted online by that time, that the payment would be honored and would just take XXXX to XXXX hours to process. I usually see results taken out of my account the next business day. 
I fell behind on payments due to XXXX issues with family. During that time I was contacted by Indebted.com, who claimed that they were working on behalf of XXXX to resolve past due payments. They offered a payment arrangement online for XXXX payments for {$350.00} which would make the account current. The website also show that it takes XXXX to XXXX hours to process. 
On XX/XX/XXXX I went online to make a payment arrangement with indebted for XXXX payments of {$350.00} XXXX in XXXX and XXXX in XXXX. The payment was supposed to be taken out on XX/XX/XXXX but it was taken out on XX/XX/XXXX. I have email confirmation of the payment arrangement and the payment. 
Since it was done before the XXXX I assumed everything was fine. However on the XXXX I received an email from XXXX saying that the payment wasn't received in my account was in default. I contacted XXXX XXXX  and explain to them about the arrangement with indebted. They say they never receive anything from them and to contact them. I contacted and did it and work with a representative who stated that it may take awhile to process and to give it a couple of days to reach XXXX However an hour after I talked to the representative I received an email saying that the payment plan was canceled. The {$350.00} was never used for the payment nor did it get refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Klarna AB
State: SC

Complaint narrative:
I recently starting having the same problems with Klarna again that I was having last year before I submitted the complaint on XXXX. About 2 months ago i was able to use my Klarna account with no issues and all of a sudden the same issue starting happening again. It is now saying that my score is missing from my credit report from XXXX. I have called XXXX several times regarding this issue and they are saying that they don't see anything on their end, but the adverse action I keep getting is that the score is missing from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: TX

Complaint narrative:
On XX/XX/year> I submitted a complaint to CFPB informing that I was a victim of identity theft. I was very pleased and thankful for results. I received a new inquiry on my credit report that I did not authorize and also a old one that I did not authorize. The 2 inquiries are : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
These collections popped up on my radar in XXXX XXXX XXXX I have just recently dealt with identity theft back in XXXX. I have no recollection from these accounts. My family has a XXXX XXXX phone plan that I am apart of. I do not have my own XXXX XXXX  plan ever to make them try to take money from me. These collection accounts might have been picked up by these agencies to try to get money from me that I have never owed. They have attempted multiple times to call me and get money from me. I am sick of dealing with the leftover scars from my identity theft in the past. I'm a United States XXXX member and have been struggling with these collection agencies trying to collect money that I have never owed. Please help me and get them to quit asking me to pay these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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 am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the account stated above .Also, I contact the bank thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: NY

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2024-05-30 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: LEXISNEXIS
State: IL

Complaint narrative:
XX/XX/2024, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX  XXXX Balance : {$2200.00}

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 2024-05-30 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 taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$290.00} XXXX  XXXX Balance : {$350.00} XXXX XXXX Balance : {$510.00} XXXX  XXXX Balance : {$0.00}

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 2024-05-30 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX XXXX Balance Owed : {$880.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2024-05-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I attempt to use the remaining balance of this card on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: AR

Complaint narrative:
I am writing to dispute the late payment reporting on my credit report with your agency. The late payment ( s ) in question were reported during my XXXX forbearance period with Freedom Mortgage. I have enclosed documentation supporting my claim that these payments were not late but were satisfied as part of the forbearance agreement. 
Account Information : Account Number : [ XXXX ] Creditor Name : Freedom Mortgage I entered into a forbearance agreement with Freedom Mortgage due to financial hardships caused by the XXXX XXXX. As per the terms of the forbearance agreement, I made all required payments in a timely manner and fulfilled my obligations under the agreement. There were no late payments during this period. 
Enclosed with this letter are copies of relevant documents, including the forbearance agreement, payment receipts, and any correspondence confirming the satisfaction of the forbearance agreement. These documents clearly show that the late payments reported on my credit report are inaccurate. 
I request that you investigate this matter and update my credit report accordingly to reflect the accurate payment history during the forbearance period. Please provide me with a written response once the investigation is complete and the necessary corrections have been made to my credit report. 
Thank you for your prompt attention to this matter. If you require any further information or documentation, please do not hesitate to contact me at XXXX. 
Sincerely, 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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation