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: Incorrect information on your report — Account status incorrect
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
XXXX XXXX  XXXX XX/XX/year> {$1600.00} Sunrise Credit Services XX/XX/year> {$1200.00} XXXX XXXX {$210.00} I have not received any requested documents. 
I requested to see my the signature that I put on a contract guaranteeing that I would pay this creditor on the debts above. I also did not received any info for chain of title to collect on this debt for each creditors listed above. Nor I did not get a detailed history of payments that I made on these accounts listed above. I also requested to know if there has been a insurance claim on these debts.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These incorrect addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX ( Finance ) this inquiry was not authorized by me. I want it 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 2024-12-17 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: GA

Complaint narrative:
My credit report contains some billing errors, specifically late payments that dont reflect my actual payment habits. Please investigate and correct these discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
Dear CFPB, I am writing to dispute a debt being collected by [ XXXX XXXX XXXX {$210.00}, ] [ XXXX XXXX XXXX XXXX {$390.00} ] [ XXXX XXXX XXXX {$1400.00} XXXX. The collector failed to provide the legally required validation notice, depriving me of the opportunity to dispute the debt within the 30-day period under the FDCPA. Additionally, upon reviewing the records, I discovered numerous discrepancies, including inaccurate amounts and questionable account details.

The failure to notify me properly constitutes a violation of my consumer rights. I respectfully request that you investigate these violations and take appropriate action. Please ensure that this debt is not reported to credit agencies until verification is complete. 

Thank you for your assistance. 

Sincerely, 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$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 2024-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I strongly disagree with the response to your investigation. Despite your investigation, the incorrect items listed below still remain on my credit report. I request that these items be immediately re-investigated due to valid reasons. These inaccuracies have a significant negative impact on my credit rating.

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 status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I noticed a number of errors in my credit report, particularly related to late payments. These do not match my usual payment history. Kindly update my account after correcting these issues.

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: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Formal Complaint Against Chase Bank for Unjust Closure of Business and Personal Accounts I am writing to formally lodge a complaint against Chase Bank regarding their abrupt and unjustified closure of my LLCs business checking account ( Account No. XXXX ) and the subsequent closure of personal accounts belonging to all three XXXX XXXX ( GPs ) of our company, XXXX XXXX. This decision has caused severe disruption to our business operations and personal financial management and represents a concerning and unilateral overreach on Chases part. 

Background of the Issue : XXXX XXXX is an online investment company that raises funds from Limited Partners ( LPs ) and invests directly in transparent, legitimate platforms such as the XXXX XXXX XXXX XXXX  and online property investment platforms like Arrived, XXXX, and XXXX. In XXXX, 2024, Chase abruptly decided to close our business checking account citing concerning activity without providing specific details or an opportunity for explanation. 

Following this, all three GPs of XXXX XXXX had their personal Chase accounts unilaterally closed. This blanket closure appears to be punitive and without merit, as none of the personal accounts had any connection to the alleged concerns raised about the business account. This action by Chase feels like a form of corporate bullying, targeting individuals who rely on Chase for their personal banking needs. 
The closure of our business checking account has delayed essential transactions, including fund transfers, partner distributions, and time-sensitive investments. 

Demand for Resolution : Chases actions are unwarranted and unacceptable. We believe the closures are not only unjustified but also indicative of a lack of regard for customer relationships and due process. The unilateral decision to close both business and personal accounts without clear communication or explanation undermines the trust placed in Chase as a financial institution. We demand reinstatement of the business and personal accounts.

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: KS

Complaint narrative:
While reviewing my credit report, I found inaccurate late payment records. These errors dont align with my established payment pattern. Please resolve this and update my account.

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 is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon inspecting my credit report, I identified accounts that I believe were added without my consent. I request their removal without delay.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my third complaint regarding this matter. 

Equifax sent me a letter claiming they could not locate my Equifax profile and they requested proof of identification. The email associated with my Equifax account is XXXX. Equifax does not need any more proof of my identity in order to satisfy my request. 

Moreover, I have attached a copy of their initial dispute results, which is clearly attached to my Equifax credit profile. This is also proof that they were in fact able to locate my Equifax credit profile appropriately and any further requests to prove my identity are absolutely unnecessary and prolong the investigation which continues to hurt my ability to obtain credit. 

Based on that information, I would like to point out that this investigation has taken longer that the 30 days required by the FCRA. I respectfully request the inquiry listed below be removed from my credit profile immediately. 

My second complaint was : XXXX " Reference initial CFPB complaint ( XXXX ) dated XX/XX/XXXX Equifax has not completed the investigation to my dispute, which is listed below : " While checking my most recent credit report, I noticed a credit inquiry that I did not recognize and did not authorize anyone to pull my credit report. The inquiry was made by the company listed below : Bank : XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX XXXX Date : XX/XX/XXXX Please validate the info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. ''

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: NJ

Complaint narrative:
I strongly disagree with the response to your investigation. Despite your investigation, the incorrect items listed below still remain on my credit report. I request that these items be immediately re-investigated due to valid reasons. These inaccuracies have a significant negative impact on my credit rating.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I am writing to dispute unauthorized and inaccurate credit inquiries appearing on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 604, a permissible purpose is required for any inquiry. These inquiries were made without my authorization, violating my rights under the FCRA. 

I request that these inaccurate inquiries be investigated and removed promptly. Such unauthorized entries harm my creditworthiness and financial standing. Please ensure all necessary steps are taken to correct this matter and hold the responsible parties accountable for non-compliance. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX XXXX

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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Ive been disputing my child support payments for inaccuracy Experian keep reporting {$0.00} payments & late payments on my credit report for the past 3 years and it hurt my credit XXXX points within 3 years of reporting {$0.00} payments Ive reached out to the child support agency and they told me Experian never reach out to them about this concern and they cant do nothing about it until Experian reach out so how is Experian investigating this if they never reached out to the child support agency I have documents that support my payment history and I have screenshots of the Experian report that this is effecting my credit

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX XXXX  AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Skrill USA, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, Skrill put my account restricted and told me that they closed my account on XX/XX/year>. Skrill returned half of the funds on the same day and put the rest {$2500.00} XXXX on hold. 
I've only loaded the Skrill account with XXXX debit card. They asked for the statement for that debit card for the claimed address verification. I provided it with no delay. 
After a week without any movement, I called in and was told they needed all my other cards ' statements linked to Skrill which I have done no transaction with Skill, just linked. Although I suspect they are just causing trouble, I still collected the statements and submitted them on XX/XX/year> and was told the account was verified on XX/XX/year>. 
However, I still can't withdraw my remaining fund of {$2500.00} from Skrill. They always reply me with the chat robot. I'm tired of this and I want some pressure from the authority to push them on the right track to return my money back. 
Thank you!

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

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. Experian Inquiries : XXXX XXXX, XXXX XXXX Na, XXXX XXXX XXXX, LL. XXXX inquiries : XXXX XXXX, XXXX & XXXX XXXX, XXXX XXXXXXXX XXXX Transition inquiries : 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 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 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