vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 non-monetary relief
Consumer complaint received 2024-12-17 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: GA

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and TransUnion credit report. My latest credit report shows XXXX hard inquiries that I did not authorize XX/XX/XXXXXXXX I have no knowledge of the collection accounts below nor did i authorize on my behalf. 
XX/XX/XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$3600.00} Needs Attention below is a ftc report attached.

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 2024-12-17 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: CT

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/year> Subject : Second Request for Investigation and Immediate XXXX  Account # XXXX Dear CFPB, This letter serves as a formal follow-up to my dispute submitted on XX/XX/year>, regarding account # XXXX. The reported XXXX, XXXX, and XXXX late payments for XXXX, XXXX, and XX/XX/year> on my TransUnion credit report are completely inaccurate and unfounded. 
Legal Basis for My Dispute XXXX XXXX XXXX ( a ) : You are required to conduct a thorough and accurate investigation within 30 days. 
XXXX XXXX XXXX ( b ) : Credit reporting agencies must ensure the maximum possible accuracy of reported data. 
Attached Documentation Copy of government-issued ID Social Security Number for identity verification Proof of address Relevant section of my credit report Requested Actions Update the account to reflect " Paid As Agreed, Never Late '' or provide verifiable proof supporting the late payment claims. 
Provide me with the detailed procedures used during your previous investigation after XX/XX/year>, as per XXXX XXXX XXXX ( a ) ( XXXX ). 
Comply with the FCRA timeline and respond within 30 days. 
If no corrective action is taken, I will escalate this matter to the CFPB and pursue further legal remedies. 
Sincerely, 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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/year> Subject : Second Request for Investigation and Immediate XXXX XXXX XXXX XXXXXXXX Dear CFPB, This letter serves as a formal follow-up to my dispute submitted on XX/XX/year>, regarding account # XXXX. The reported XXXX, XXXX, and XXXX late payments for XXXX, XXXX, and XX/XX/year> on my TransUnion credit report are completely inaccurate and unfounded. 
Legal Basis for My Dispute XXXX XXXX XXXX ( a ) : You are required to conduct a thorough and accurate investigation within 30 days. 
XXXX XXXX XXXX ( b ) : Credit reporting agencies must ensure the maximum possible accuracy of reported data. 
Attached Documentation Copy of government-issued ID Social Security Number for identity verification Proof of address Relevant section of my credit report Requested Actions Update the account to reflect " Paid As Agreed, Never Late '' or provide verifiable proof supporting the late payment claims. 
Provide me with the detailed procedures used during your previous investigation after XX/XX/year>, as per XXXX XXXX XXXX ( a ) ( XXXX ). 
Comply with the FCRA timeline and respond within 30 days. 
If no corrective action is taken, I will escalate this matter to the CFPB and pursue further legal remedies. 
Sincerely, 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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
This is not my account. I have no knowledge of this account. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: LA

Complaint narrative:
I reviewed a copy of my credit reports from XXXX equifax and XXXX I found inquiries that I have no knowledge of please delete these inquiries 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 XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My complaint is over a XXXX party check which is an irs refund check to my friends name .my friend does not have an ID to cash a check so i deposited his endorsed check through mobile deposit in my chase bank account .the check was accepted and later i received an email from chase stating that the funds will be available on XX/XX/XXXX .upon going to the bank with the payee of the check to withdraw the funds and pay my friend i was told that his identity has to be verified by a registered phone number to his name XXXX provided his phone number .his phone is a free government phone and not showing in chase data bank .so chase refused XXXX XXXX his funds and furthermore chase restricted my account and in a week my account was closed and chase is holding on to an irs refund check for amount of XXXX dollars .i need help retrieving my friend funds from chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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, XXXX XXXX, am a victim of identity theft. Fraudulent accounts and unauthorized information remain on my credit reports despite multiple disputes filed with the credit bureaus. These accounts were opened and reported under my name and Social Security number without my knowledge or consent. I have submitted an FTC Identity Theft Report and supporting documentation to confirm this fraud. 

The accounts that remain unresolved are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account ending in XXXX XXXX XXXX Account ending in XXXX Despite my numerous disputes and repeated submissions under the Fair Credit Reporting Act ( FCRA ) Section XXXX, the credit bureaus have failed to block and remove these accounts within the required timeline. Additionally, incorrect addresses, name variations, and other personal data associated with these accounts continue to appear on my reports, further compounding the damage caused. 

This continued reporting of fraudulent information violates my consumer rights and has caused severe harm to my financial standing, mental health, and overall trust in the credit reporting system.

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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX Your Name XXXX XXXX XXXX XXXX XXXX XXXX ) married XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX National Credit System XXXX Naturally XXXX XXXX XXXX, Ga XXXX XXXX RE : Account # ( XXXX ) To Whom It XXXX Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed 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 2024-12-17 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: TX

Complaint narrative:
XXXX XXXX  I did business with for year when I left they said I owed on both my accounts well knowing that was untrue I disputed but they still charged off both accounts and refused to provide a copy of the XXXX which is illegal and still reported to all credit bureaus.

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 2024-12-17 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: TX

Complaint narrative:
XXXX XXXX  I did business with for year when I left they said I owed on both my accounts well knowing that was untrue I disputed but they still charged off both accounts and refused to provide a copy of the XXXX which is illegal and still reported to all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
XXXX XXXX I did business with for year when I left they said I owed on both my accounts well knowing that was untrue I disputed but they still charged off both accounts and refused to provide a copy of the XXXX which is illegal and still reported to all credit bureaus.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS

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 2024-12-17 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: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS

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 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
SoFi mailed me a debit card for a checking and savings account that I did not open. They refused to close the account because I was unable to provide the email address or phone number used to create the account ( The fraudster used their own email address and phone number ). They claimed that they were unable to assist me with closing the account because they could not find my profile unless I provided the email address or phone number that the scammer had given them OR if I gave them my full social security number. I was very hesitant to provide my full ssn and asked to speak to a manager. After talking to three separate people, I finally consented to provide my full social so that they could search the profile and " open a case '' to close my account. It should not be easier for an identity thief to open an account in my name than it is for me to close that account. I have credit freezes with all reporting agencies as well as a Security Freeze through XXXX. SoFi did not make any effort to verify my identity before opening bank accounts in my name. I told the representatives and the managers that they were in violation of XXXX and the Patriot Act and they brushed it off and said they could do nothing for me unless I gave them my full social.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: MI

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or deli
vered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation