vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-21 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: FL

Complaint narrative:
I want to clarify my first and last name, my current address and my full- time Job. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Recently I looked at copy of my credit report and noticed several inaccuracies in my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to endurance accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX # XXXX XXXX XXXX. XXXX ( XXXX ) XXXX XXXX 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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As I was reviewing my consumer report I came across an account that does not belong to, me I contacted the following companies, XXXX XXXX, XXXX, XXXX, XXXX, along with EQUIFAX. I disputed the account asking for verification of the account. I then received a letter from XXXX XXXX, XXXX, XXXX as well as Equifax, that said the account was verified by the creditor. I then contacted the creditor witch in this case is the UNITED STATES BANKRUPTCY COURT ... .I then received an answer stating that the UNITED STATES BANKRUPTCY court does not report or transmit bankruptcy court records or any other information directly to credit reporting agencies. This is un acceptable the credit bureaus are committing FRAUD ...... Placing inaccurate, incomplete erroneous information on my consumer report violating the FAIR CREDIT REPORTINGACT and the FAIR DEBT COLLECTIONS ACT. This information is inaccurate the creditor stated that they did not verify this information making it illegal and a violation of state and federal law to place this account on my consumer report, Please delete this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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:
I received a credit report from Equifax ( File XXXX ) dated XX/XX/2024 which indicated that a re-investigation was completed regarding accounts with the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, the " date updated '' for all these accounts remained unchanged. This discrepancy suggests that Equifax did not conduct a proper investigation into my dispute, as required by law. Equifax failed to include a " Notice of Dispute '' in my credit report, which is a clear violation of FCRA 623 ( A ) ( 3 ) which Ive highlighted proof in the attached documents from Equifax. I have attached a FTC report and Identity Verification affidavit previously forwarded to Equifax, supporting my claim of identity theft. Please remove these fraudulent and inaccurate accounts from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: TN

Complaint narrative:
A loan account by XXXX XXXX has either been fraudulently opened and inaccurately reported on my credit report. I have never had a loan or even opened an account with XXXX XXXX. The collection is for the amount of {$420.00} and is being reported by a debt collection agency called Credit Corp Solution. I have no knowledge of this account and need it removed from all three credit bureaus. This fraudulently opened/reported account is negatively and unfairly effecting my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

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 2024-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: CA

Complaint narrative:
Dear XXXX, I am writing to formally lodge a complaint against XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, and their associated debt collector, Allied Interstate LLC XXXX for their handling of my account and subsequent credit reporting and collection activities that I believe to be erroneous and unjust. 

In XX/XX/year>, I suffered significant property damage due to a known leak in the XXXX XXXX facility, resulting in a total loss of my personal property valued at approximately {$20000.00}. Despite settling an insurance claim for a portion of the value, I decided to terminate my storage rental agreement given the complete destruction caused by the facility 's neglect. I received a move-out notice confirming my balance was XXXX on XX/XX/year>. Contrary to this confirmation, XXXX XXXX proceeded to erroneously charge my credit card on XX/XX/year>. Subsequent to resolving this issue with XXXX XXXX directly, I was assured of a refund and proper account closure. 

Unexpectedly, I later discovered that XXXX XXXX illegally continued to accrue charges on my account, unbeknownst to me and my account was sent to collections by Allied Interstate LLC, who has since reported this debt to credit bureaus, severely impacting my XXXX XXXX and financial standing. This has directly resulted in my inability to secure a business loan, amplifying my financial distress. 

I have made several attempts to resolve this issue with both XXXX XXXX and Allied Interstate LLC but have encountered repeated obstacles that have prevented the resolution of this matter. It is evident that there has been a significant oversight and intentional mismanagement of my account details, leading to wrongful debt collection and credit reporting. 

I am seeking the CFPBs assistance to investigate this matter thoroughly and to help rectify the incorrect information that has been reported to the credit bureaus. It is crucial that my credit report reflects the factual status of my account and that any wrongful collections activities are ceased immediately. 

Enclosed are copies of all relevant documents, including correspondence with XXXX XXXX, the cancellation confirmation, and notices from Allied Interstate LLC. 

Thank you for your attention to this urgent matter. I trust that the CFPB will address this issue promptly and uphold the consumer protection standards that are crucial for individual financial security. 

Sincerely,

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 2024-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I filed a complaint with CFPB against Chase for refusing to release {$15000.00} that a client paid for services I provided them. Chase 's XXXX XXXX  and We Pay credit card processing business is notorious for crushing small businesses by holding credit card payments made to small businesses. They have bankrupted so many businesses and caused me many issues and stress and problems I can not get out of. Since Filing a complaint against Chase, I received a text message saying my Account was closed and when I called, I was not given any explanation why. So once again Chase Has caused financial hardship XXXX  XXXX XXXX  XXXX  that i never deserved. All I did was use chase for credit card payments thinking it was smart since it was 'Chase ' and then my life was destroyed because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute an outdated and grossly inaccurate account that has unjustly tarnished my credit report. The egregious errors in your reporting have not only violated consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), but also constitute a blatant assault on my financial integrity. Such reckless disregard for accuracy and compliance can not go unchallenged and may necessitate aggressive legal intervention. 

Upon conducting a thorough examination of my credit profile, I uncovered an installment account falsely labeled as XXXX/Dept of ED Loan , with an erroneous amount of {$3500.00} attributed to my name. This glaring discrepancy permeates my entire credit report, replete with inaccuracies in Account Numbers and clandestine concealment of vital account details. The evidence I possess overwhelmingly supports my claim, leaving no room for debate or delay. Immediate rectification of this injustice is non-negotiable.

**Disputed Account Information : ** - **Account Name : ** XXXX/Dept of ED Loan - **Amount : ** {$3500.00} Furthermore, the purported last activity date on this account bears no resemblance to the actual date of my last payment, distorting my credit history and undermining my financial credibility. These deliberate manipulations have been meticulously documented across all credit bureaus, serving as irrefutable evidence of your organization 's negligence and malfeasance. 

It is imperative to emphasize that the mislabeling and misrepresentation of accounts, such as falsely designating an account as " paid as agreed '' or inaccurately labeling another as " deferred, '' constitute flagrant violations of consumer protection laws, particularly the FCRA. Your disregard for these fundamental legal standards demands swift and decisive action. 

I demand your immediate and unwavering attention to this matter, with a swift resolution in strict accordance with the FCRA guidelines. As stipulated by FCRA regulations, I expect a response within 10 days from the date of this correspondence. Failure to promptly address and rectify these egregious inaccuracies will leave me with no recourse but to pursue all available legal avenues against your organization, seeking not only redress but also punitive damages for your wanton disregard of my rights.

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 2024-04-21 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: KS

Complaint narrative:
Disputes were filed with both Experian and XXXX in XX/XX/2021 to remove a fraudulent XXXX account. Neither have removed the fraudulent account despite being provided with documentation from XXXX that it was fraudulent. XXXX was supposed to assist with this but has done so. 

Dispute was successful with XXXX as it was removed from my credit report 2 years ago.

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 2024-04-21 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: NAVY FEDERAL CREDIT UNION
State: IL

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAVY FEDERAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 an 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: MN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the FCRA ( Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer account as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: FL

Complaint narrative:
I want to clarify my first and last name, my current address and my full- time XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Recently I looked at copy of my credit report and noticed several inaccuracies in my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to endurance accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX # XXXX XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX # XXXX XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX XXXX TransUnion : XXXX # XXXX XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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: FL

Complaint narrative:
I want to clarify my first and last name, my current address and my full- time XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Recently I looked at copy of my credit report and noticed several inaccuracies in my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to endurance accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX # XXXX XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX XXXX Equifax : XXXX # XXXX XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX # XXXX XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
I received emails from XXXX congratulating me on opening an account. I had not opened this account. 
I logged into Chime ( typing it into a browser NOT using a link in the email ) to reset the password and verify that no transactions had taken place. 
I then contacted their customer service to close the account. They insisted on having my SSN to verify before closing the account, which I was not willing to provide on the grounds that I did not want to provide any more information to them than they had already received through whoever fraudulently opened the account. 
After a few minutes with an offshore " assistant '' I was told they would not close the account if XXXX would not provide my SSN and they hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carvana Group, LLC
State: IL

Complaint narrative:
I have been a victim of identity theft in which the culprits opened numerous lines of credit in my name including a auto loan, credit cards, bank accounts, apartment rentals, utility services, retail store lines of credit and other items still under investigation. 

I am unaware of who is fraudulently using my identity which has had significant impact on my credit which has impacted my living conditions significantly. 

I have requested and dispute the account at which time I was advised the account was validated and would remain on my credit. 

I requested proof of account validation and who validated the account and have not been provided any information other than the account will remain on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: KS

Complaint narrative:
I was initially notified of a debt sent to collections on XX/XX/XXXX. I responded to this with a dispute on XX/XX/XXXX, within the 30 day period. Collection attempts never stopped and to this day XX/XX/XXXX I have not received my dispute results. However, the credit bureaus had been reporting that the dispute was resolved on my credit report by the grantor. After contacting the debt collector again today XX/XX/XXXX they said the dispute was resolved on XX/XX/XXXX. This does not make sense as they reported to the credit bureaus that it had been resolved months prior.

Company response to consumer: Closed with explanation