vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 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: IL

Complaint narrative:
In accordance with the guidelines provided by the Consumer Financial Protection Bureau ( CFPB ), the requisite documents include a valid photo ID, a recent utility bill, and a letter from an advocacy organization assisting me with debt related to Human Trafficking, as defined under the Trafficking-Debt Final Rule, specifically sections 1002.142 ( b ) ( 4 ) and 1002.142 ( b ) ( 7 ).

I respectfully request that this information be removed from my credit report within four business days, as mandated by Section 605C of the Fair Credit Reporting Act. I have submitted my identification and the documentation requested from the list of acceptable items, fulfilling the requirement of only two items as stipulated by law. Additionally, I have provided all necessary documentation, including a victim determination letter in accordance with Section 1002.142 ( b ) ( 6 ). 
Thank you for your prompt attention to 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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

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 2024-08-16 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX # XXXX XXXX XXXX Ohio XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX I am writing to request an Investigation of the following information that appears on my Experian consumer report. I have NEVER opened or used the following Credit Card numbers : Bank : XXXX XXXX XXXX XX/XX/XXXX ) Account Number : XXXX Credit card Bank : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Account Number : XXXX Credit card Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number

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 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-16 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: IL

Complaint narrative:
I am a victim of identity theft. I have provided the bureaus with documentation, and police report and nothing changed before so I am now taking the step to report for these fraudulent accounts to be blocked or removed from my credit report. As per the guidelines delineated in the Fair Credit Reporting Act ( FCRA ), I retain the right to contest any inaccurate or fraudulent information reflected on my credit report. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of identity theft and would like all listed accounts to be blocked and deleted. 

Transunion these are the accounts that are fraudulent. XXXX XXXX XXXXXXXX line secured with account XXXX XXXX XXXX XXXX XXXX  and a balance of {$260.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX secured with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXX XXXX XXXX XXXXXXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$630.00}XXXX XXXX XXXX XXXX XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXX XXXX  Credit Card with account # Unknown opened on XX/XX/XXXX and a balance of {$2100.00}. 

Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Neglect Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability fro willful noncompliance [ 15 U.S.C. 1681n ]

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK

Complaint narrative:
They started calling me on XX/XX/XXXX They called me from XXXX They started with the conversation that I was going to be served within the hour with papers to do with an old ( alleged ) debt of " XXXX  years ''. I then they gave me the number to the actual party and they stated that about my the alleged debt and that I owed over $ XXXX at least wouldn't give me the exact amount. Also, insisted that I owed HSBC of XXXX of my auto loan. My car was repossessed and that I still owed this amount. The lady kept on insisting that I owed it-when I didn't. Then I informed her that I am going to reach out to an attorney and I told her I was going to hang up. 

XX/XX/XXXX @ XXXX am The lady called me from a different number : XXXX ( but in the message she stated XXXX. ) This time she didn't identify herself that I my file aka case was on her desk and that I fail to make arrangements, and wanted information about where I work? etc. Plus, she mentioned that there were documents that were going to be sent and if I didn't respond that they were going to send it back to the county ( but which one ) and they were going to proceed without my knowledge and/or consent. I have a copy of that recording by the way. Note : The collector also informed me that she is a paralegal and that they debt starts all over. That they have several more years to collect on it-up to XXXX. 

Further, I called back the XXXX number and a gentlemen answered and I asked what was the address and he informed me that he was an " attorney '' and he gave me the address as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXXhe didn't give me the suite number. I asked for a " written '' sent by mail validation letter-and he hung up on me. 

Then I wrote through my email to their Business : That since the gentleman hung up on me that they do not want to settle anything ( especially that I asked for a validation notice ). Therefore I requested : Please Cease & desist all calls and contact with me immediately. I did add : That I refuse to give up my personal jurisdiction which is in Oklahoma. 

Here is there address : XXXX, XXXX, XXXX & XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX I also think it is odd that when I call back-they do not answer the phone. To give an impression that I ignored it. That's lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: MS

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-08-16 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Uplift, Inc
State: MO

Complaint narrative:
Uplift was used to obtain a loan for an airline purchase for my grandfathers memorial service. I had multiple issues with this loan and this company. On multiple occassions, I was contacted by the company to " update '' my card, as they stated that my card was declined or invalid. I updated the card and again placed it on automatic payment. After several times of this happening, I contacted my bank who advised me that they had no record of a decline from Uplift. I spoke with Uplift and was advised that the account was corrected to show paid as agreed. It was updated but then reappeared with different information that previous. It shows 4 delinquent payments. XXXX, XXXX and XXXX of XXXX and XX/XX/XXXX. When I called to discuss again, I was directed to file a dispute-which resulted in no adjustment being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The Experian website is down, so I can not implement a credit freeze. However, when I tried to call customer service during business hours, there are XXXX different numbers that just send you around and around automated messages, and eventually tells you to end the call. I finally found a number on XXXX of all places that connects you to a real person, but it's clearly for the wrong department, and I've been on hold for half an hour now.

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 2024-08-16 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: IL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-08-16 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: NY

Complaint narrative:
Fraudulent accounts are on my report that resulted from identity theft. I have notified Equifax and provided my identity theft report but the accounts are still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: GA

Complaint narrative:
I found inaccurate accounts reporting on my credit report.

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 2024-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I am reaching out to you in the hopes that I can get the help Ive been seeking for months. In XXXX and XXXX, I was scammed out of a substantial amount of money by someone I thought I could trust with the promise that they would pay me back. Instead they latched onto various accounts of mine, and wrote me fraudulent checks to make it seem like they were paying me back. I spoke with a member of chases staff on this in XXXX or XXXX, but they didn't seem interested. I also disputed the charges with XXXX, but they told me that they can't fix it and I just have to pay back the {$26000.00}. I did close out my bank accounts and create new banking information and filed a police report with the XXXX Police Dept. I am hoping to get some assistance on this, since none of this is like me and I'm hoping my credit and my name can be cleared

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: IL

Complaint narrative:
In accordance with the guidelines provided by the Consumer Financial Protection Bureau ( CFPB ), the requisite documents include a valid photo ID, a recent utility bill, and a letter from an advocacy organization assisting me with debt related to Human Trafficking, as defined under the Trafficking-Debt Final Rule, specifically sections 1002.142 ( b ) ( 4 ) and 1002.142 ( b ) ( 7 ).

I respectfully request that this information be removed from my credit report within four business days, as mandated by Section 605C of the Fair Credit Reporting Act. I have submitted my identification and the documentation requested from the list of acceptable items, fulfilling the requirement of only two items as stipulated by law. Additionally, I have provided all necessary documentation, including a victim determination letter in accordance with Section 1002.142 ( b ) ( 6 ). 
Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-08-16 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: NY

Complaint narrative:
Recently, i did an investigation on my credit report and i found this auto loan with a bank in XXXX XXXX i don't live in XXXX XXXX. 

XXXXXXXX XXXX - Account # 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