vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: NY

Complaint narrative:
On XXXX I noticed that Experian was reporting a collection on my credit report. I have no knowledge of this charge off with the amount of {$1200.00}. The company that being reported name is XXXX XXXX XXXX  which is collection agency.

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 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a cryptic email XX/XX/year> from Capital One ( XXXX ) stating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX had to close your Capital One Credit Card account account ending in XXXX for the following reason based on Capital Ones account opening and ongoing due diligence : Capital One has observed activity on a past or present Capital One account that is not consistent with anticipated account activity based on Capital Ones account opening and ongoing due diligence Please note that all future charges will be declined so you should stop using this card immediately. You should also stop any monthly automatic payments you may have set up on this account.

Please note that although this account is now closed, you are still responsible for any outstanding balance on it and should continue making payments until the balance is paid off. 'XXXX XXXX XXXX XXXX XXXX  I have always made current payments on the card and have never engaged in any untoward activity. The card did not even carry a balance. There are a limited number of credit card providers in the United States and I am now being cut off from the financial system for no reason. 

I need the card reinstated so that I can make normal, everyday purchases again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: FL

Complaint narrative:
got copy of credit report was inaccurate i do not recognize this account

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 2025-01-02 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: FL

Complaint narrative:
I am submitting this formal complaint against TransUnion, XXXX, and XXXX to request the removal and blocking of fraudulent information on my credit reports due to identity theft. I have recently discovered unauthorized accounts and debts on my credit report that were opened in my name without my knowledge or consent. These fraudulent accounts are a result of identity theft, and I have already taken steps to resolve this issue.

Details of the Fraudulent Information : Are attached in dispute letter I have taken the following actions regarding this fraudulent activity : 1. Submitted a complaint to the Federal Trade Commission ( FTC ) and completed an Identity Theft Affidavit ( FTC Affidavit Number : XXXX XXXX. Contacted each credit reporting agency ( TransUnion, XXXX, and XXXX ) to notify them of the identity theft and provided the necessary documentation. 
Despite my efforts, the fraudulent information remains on my credit reports, negatively impacting my credit standing and subjecting me to potential liability for debts that I did not incur.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Contacted XXXX and XXXX for the past year to obtain credit report. Evidence was provided to confirm identity. Still can not pull up credit report. XXXX online report is not matching with currently active accounts, and Dispute was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: CA

Complaint narrative:
Your failure to comply with FCRA 15 U.S. Code 1681s2 ( 3 ) is unacceptable. Over 35 days ago, I disputed inaccurate items on my credit report. By law, you are required to mark these items as disputed within 30 days, yet you failed to do so. This has caused me to lose financial opportunities and suffer unnecessary stress due to your negligence. 
The Fair Credit Reporting Act is clear : furnishers of information must include notice of disputes when reporting to credit agencies. Your agency 's failure to follow this requirement violates my rights as a consumer. These inaccurate accounts must be deleted immediately, as your noncompliance has caused harm and defamation.

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 2025-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
personal information exposed new collection accounts i dont recognize. i also called and requested my information to be frozen even thought it was still exposed and accessed with out my consent.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I 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 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 non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: F.H. Cann & Associates, Inc.
State: LA

Complaint narrative:
THE FCRA DEFINES IDENTITY THEFT AS FRAUD COMMITTED USING IDENTIFYING INFORMATION OF ANOTHER PERSON. INFORMATION OF ANOTHER PERSON WHEN THE ALLEGED ORIGINAL CREDITOR SOLD MY INFORMATION WITHOUT MY EXPRESSED APPROVAL OR KNOWLEDGE THAT'S " A FRAUD '' WHICH MAKES THE WHOLE THING IDENTITY THEFT.

ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ACCOUNT # XXXX SOLD TO : XXXX XXXX XXXX XXXX XXXX {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: FL

Complaint narrative:
My Credit Report Is Stating That My Late Payments Are Beyond XXXX When It Clearly Is No More Than XXXX And Thats Due To XXXX XXXX And Under According To 15 U.S. CODE 1681a ( 2XD ) 15 U.S. CODE S 1666b 12 CFR 1026.13 Billing Error Resolution ) This Be Deferred Or Forgiven

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 2025-01-01 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: NY

Complaint narrative:
personal information exposed new collection accounts i dont recognize. i also called and requested my information to be frozen even thought it was still exposed and accessed with out my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: NY

Complaint narrative:
personal information exposed new collection accounts i dont recognize. i also called and requested my information to be frozen even thought it was still exposed and accessed with out my consent.

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 2025-01-02 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: NC

Complaint narrative:
On Friday XX/XX/year>, I tried to obtain information in my credit report from Experian. I was informed that I had an online account that I was not aware of. I used an email address that I use to try to access my information from Experian. I was unable to log into the account using the email address because I was receiving a notification to two-way authenticate using a phone number. The only phone number I use for personal use is my cell phone ending in XXXX. I was receiving a notification to receive a text from a number ending in XXXX, yet I was not recieving the text message on my phone. When I called back to Experian, I learned over the automative call that my subscription to Experian online has been canceled. 
I was unable to learn or obtain any information from the represenattive as to who has access to my personal credit information from the credit bureau because I was not given access.

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 2025-01-02 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:
Im fed up with these fraudulent accounts on my credit report. Theyve been damaging my score and blocking me from opportunities Ive worked hard for. The longer this goes on, the more frustrated and helpless I feel.

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have asked Experian, XXXX, XXXX on numerous occasions to remove this false information reporting to my credit report. I've also asked which company is reporting this information? They have different variations of my name and social security number.18 USC 1028 ( d ) ( 4 ). 42 USC Sec 408. XXXX XXXX XXXX  has also been reported for falsifying documents. As well as reporting false addresses. When I tried to dispute the social security numbers I was unable.

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 2025-01-01 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: NJ

Complaint narrative:
Date : XX/XX/XXXX Name : XXXX XXXX Street Address : XXXX XXXX XXXX XXXX. XXXX XXXX City, State Zip Code : XXXX, New Jersey XXXX SSN : XXXX | XXXX : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract bearing my wet signature, any and all accounts that you post on a rental or consumer report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Additional documents required see below : A copy of the original contract or purchase agreement that created the alleged debt. If the original contract is sent it must include all signature for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created that debt including addendums and riders. 

Proof of the chain of ownership of the alleged debt. Include proof of assignment for each chain of ownership. Proof of ownership must be from the original creditor to the current alleged ownership without any break in the chain. 

Include a full accountant history from the original creditor including date and the amount of each payment. Include the XXXX  date of delinquency leading to the collection status. 

If any interest or fees have been accrued or have been added to the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement. 

Proof that you are legally allowed to collect on alleged debts in the state of your state, including your Third-XXXX  XXXX XXXX XXXX. 

Proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice any letter tracking your firm maintains. FTC XXXX XXXX XXXX XXXX makes it clear that it debt parking without proper notices is a violation of consumers right. 

Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand that the following inaccurate, account be verified or removed immediately : Inaccurate accounts, addresses, balances, payment history, account status, and names listed on my credit report. 

NATIONAL CREDIT SYSTEMS : Balance : {$6300.00} Thank You, Per the FCRA you are required to send me a new copy of my rental/consumer report after your investigation within a specific time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Account # XXXX Subject : Request for Account Information Dear Amex I hope this letter finds you well. I am writing to request specific information regarding my account with your organization, which has been charged off. 

Please note that I am not disputing the validity of this charge-off ; rather, I am seeking clarification on the following dates pertaining to my account : 1. Date of First Delinquency 2. Date of Last Activity 3. Date Charged Off This information is important for my records and for any future financial planning. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Account # XXXX Subject : Request for Account Information Dear, Apple Card/ GS Bank US I hope this letter finds you well. I am writing to request specific information regarding my account with your organization, which has been charged off. 

Please note that I am not disputing the validity of this charge-off ; rather, I am seeking clarification on the following dates pertaining to my account : 1. Date of First Delinquency 2. Date of Last Activity 3. Date Charged Off This information is important for my records and for any future financial planning. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: CT

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-01-02 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: MS

Complaint narrative:
I am writing to formally lodge a complaint against XXXX, TransUnion, and XXXX for their willful noncompliance with federal laws under the Fair Credit Reporting Act ( FCRA ). Specifically, I am alleging violations of 15 USC 1681, FCRA 605B, and FCRA 615F.

I am a victim of identity theft and have repeatedly disputed fraudulent accounts on my credit reports with all three credit reporting agencies ( CRAs ). The negative accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite providing evidence of identity theft, these agencies and the original creditors have updated the accounts with my current address and phone number instead of removing them, which is a clear violation of FCRA Section 605B. This improper updating suggests that the agencies have failed to conduct reasonable investigations into my disputes.

Following these incidents, I submitted written requests to each CRA, requesting specific methods of verification under FCRA Section 611 ( a ) ( 7 ). Instead of providing any meaningful or account-specific information, each agency responded with a generic overview of their general verification procedures. This lack of transparency and failure to provide details about the specific accounts in question violate my rights under the FCRA. 

The actions of XXXX, TransUnion, and XXXX are causing ongoing financial and emotional harm. Their inadequate investigation and resolution of my disputes, coupled with their insufficient responses to my verification requests, demonstrate a deliberate disregard for my legal rights. 

I respectfully request that the CFPB investigate these violations and take appropriate action to ensure compliance with the FCRA. Specifically, I request that the CFPB mandate the following :

1. Permanently remove the fraudulent accounts from my credit reports. 2. Provide specific verification methods for my accounts. 3. Ensure compliance with FCRA Sections 605B and 615F in handling identity theft disputes. I have attached copies of my supporting documentation related to identity theft.

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 2025-01-02 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/scrub> XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NM

Complaint narrative:
please send me paper bill with the payment, the compter is confusing and I undertand when I read in spanish and in a paper format please to make the payment in check like I always did. I often need to wait till my grandson help me and he travels al lot. Please cannto make XXXX payment said that I already paid XXXX and I beleive i have not -- -this was translated by daughter today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: NJ

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 explanation