vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-12 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I originally opened a mortgage account with XXXX XXXX XXXX XXXX Made my first payment to " XXXX XXXX XXXX XXXX XXXX by check. I was monitoring my bank account every day to make sure the check came through. Two weeks passed by, and nothing happened on account. When I got hold of XXXX XXXX XXXX XXXX, they said your loan was resold to NEWREZ-Shellpoint and the check was endorsed by XXXX XXXX XXXX XXXX and sent to NEWREZ-Shellpoint. The first payment finally cleared through. Since then, I started to make payments to XXXX on time, every month. Approximately around early XXXX I get notice from XXXX XXXX that my credit score went down XXXX points because I am 30 -60 days late on my mortgage. NEWREZ-Shellpoint is not reporting my payments to credit bureau XXXX I have a copy of all cleared payments of my bank as a proof that everything was paid on-time. NEWREZ-Shellpoint is violating a law. According to FCRA they are violating these laws : 15 U.S.C. 1681 : Governs access to consumer credit report records and promotes accuracy, fairness, and privacy 15 U.S.C. 1679c : A disclosure law

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 2024-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
See the previous XXXX complaints that have been closed without resolution. Barclays has not addressed my complaints or provided evidence of my authorization for this debt. Per the CFPB, once a debt has been disputed, the debt collector must stop all collection activities until it provides you with proof that you actually owe the debt. In addition to the complaints I've filed with the CFPB, I've sent XXXX letters to Barclays Bank Delaware, Office of the President, Attn : XXXX, XXXX XXXX XXXX, XXXX, DE, XXXX, to which I have not received responses. BELOW and attached is the letter I sent XX/XX/year> detailing my request to receive proof that I owe the debt. I have only received an application with a scribbled signature that is not mine but no evidence that I authorized the charge. This is fraud. Please kindly send proof that I authorized the charge as this was charged without my permission. 

" I received your letter dated XX/XX/year> from the CFPB website ( attached ). Ive highlighted statements that are false. I did not state I was to be added on to a separate account as an authorized user. I simply reported the account as fraudulent which is why the account was initially closed. And why would I request to be added as an authorized user if I supposedly signed an application for the credit card ( which I didnt )? Wouldnt the primary card holder be required to add me vs my requesting to be added as an authorized user? I truly dont understand your justification for concluding this is a valid, authorized account. I request a copy of that verbal conversation where I made the statement. 

Regardless of any of the above, the application you provided does not represent my authorization to open the account. In addition, I request validation of the charge to this account in the amount of {$4100.00}. I did not sign the credit card application, and I dont have a contract with the merchant. I did not authorize the purchase of property or sign a contract/agreement for this activity. As this was not authorized, I request documentation of my authorization of the charge. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. Inform them that the debt is disputed, and request they remove it from my credit report. Reporting information that you know to be inaccurate violates the Fair Credit Reporting Act. '' Please provide the XXXX requests ( recording and signed contract ) that provides my authorization for the purchase.

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 2024-10-12 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: FL

Complaint narrative:
On different occasions I have disputed the collection account of XXXX XXXX XXXX XXXX that erroneously appears on my TRANSUNION credit report without having an effective response to the request, and I even made an identity theft report that I also sent but it is observed by TRANSUNION that they did not carry out an efficient investigation to determine that those accounts that appear on my XXXX  XXXX XXXX XXXX credit report do not belong to me and they even put an address on the card account that I do not know, this gives rise to thinking that it is information that belongs to another person or that I was a victim of identity theft, this information is affecting me since it harms me when applying for my mortgage loan. I have been a very responsible person and I pay all my bills on time and this is demonstrated by the other companies XXXX and XXXX and that is why I request that these erroneous accounts that appear in TRANSUNION be removed from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX. This information below is the wrong information shown on TRANSUNION. XXXX XXXX XXXX XXXX Remove from my credit XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX Remove from my credit XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX Remove from 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 non-monetary relief
Consumer complaint received 2024-10-12 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-12 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
A hard inquiry appeared on my credit report from Barclays on XX/XX/year>. I sent a letter by US mail saying I do not recognize the inquiry. I requested proof so I can find out where this inquiry came from on XX/XX/XXXX. I still have not received a response. There was another inquiry on XX/XX/XXXX, and I did authorize that inquiry but not the second one.

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 2024-10-12 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:
I recently checked my credit report and noticed all these inquiries on my report. I did not authorize any inquiries into my credit report. 
The inaccurate information mentioned above is negatively impacting my XXXX XXXX and financial standing. 
I kindly request that you investigate this matter promptly and remove the inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: SC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have already filed XXXX complaints over not receiving my money the bank is withholding they responded with that I needed to send in identification to verify I use the app that they told me to use and every time I put my information in along with my a picture of my ID it says an error has occurred and then has me start all over again I have done that 5 times now and Everytime its the same result a message saying error occurred and try again.so what am I to do now when the app they provide won't work. I just want my money that is rightfully mine.

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 2024-10-12 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:
I recently reviewed a copy of my credit report and realized I had inaccurate accounts on my report. The consumer reporting agencies need to report all information accurately. The negative activity from the inaccurate accounts are negatively affecting my ability to obtain credit. The 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently discovered that I was a victim of identity theft, I found out that someone unknown to me somehow found my personal information and used it, and got credit cards from JPMCB, XXXX XXXX, XXXX XXXX. I contacted the credit bureaus immediately and told them about these accounts that are not mine and got instructed by them to open up a file on identitytheft.gov. XXXX  XXXX and XXXX  got removed. Only one we are having problems with is chase, we sent documents, and they have not responded, and it still shows as negative on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: AZ

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-10-12 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 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 XXXX 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. PLEASE REMOVE THIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is reporting a fraudulent credit card on my credit report, Account was on XXXX XXXX XXXX, I just turned XXXX so it's impossible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
this is inaccurate. I paid my monthly bill and cancelled and they are trying to charge me for more. I do not want this on my credit and Im asking for it to be removed.

I.C. SYSTEM, INC Original cXXXX 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 2024-10-12 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: CO

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX regarding its willful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically related to its failure to correct inaccurate information on my credit report. 

Background : On XX/XX/year>, I discovered that XXXX was continuing to inaccurately report information to the credit bureaus. I promptly disputed the errors with XXXX, and after review, they acknowledged the mistake. XXXX assured me that the incorrect information would be removed and that they would cease reporting the erroneous details within 10 days of our communication. However, despite this assurance, the inaccurate information remains on my credit report to this day. 

I have filed multiple disputes with both XXXX and the credit bureaus, and each time, XXXX affirmed that there were errors in the information they were reporting. However, they have consistently failed to take the necessary corrective actions to remove the inaccurate information from my credit report. This failure to correct the erroneous information, despite multiple requests and their own acknowledgment of the error, constitutes a willful violation of the FCRA. 

Violation of FCRA : XXXX refusal to correct the acknowledged errors violates Section 623 of the FCRA, which requires furnishers of information to provide accurate and complete information to consumer reporting agencies. Additionally, their failure to resolve the issue after affirming the errors multiple times and promising to cease reporting the inaccurate information within the promised timeframe falls under Section 616 of the FCRA, which addresses civil liability for willful noncompliance. 

Due to XXXX willful noncompliance, I have suffered significant damage to my credit score, which has caused me personal and financial harm, including denial of credit and increased interest rates on financial products.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: CA

Complaint narrative:
Please remove inquiry from XXXXXXXX XXXX XXXX  XXXX XX/XX/year> from my Experian credit report. This was not authorized. This was after a data breach alert happened. This inquiry was made out of the blue. This inquiry needs to be removed. 
I have no accounts/loans/credit cards with this 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 2024-10-12 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: TX

Complaint narrative:
EQUIFAX XXXX XXXX has used my credit report improperly and without my verbal or written permission, further violating my FCRA RIGHTS. EQUIFAX was sent a dispute by me on XX/XX/year> for the item XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR - XXXX XXXX - AMOUNT XXXX. I sent in an FTC identity theft form fully filled out with all the information along with all of my identifying documents. EQUIFAX REFUSED AND DENIED MY BLOCK REQUEST. this is becoming a pattern for EQUIFAX to not properly investigate my claims and block my requested item within 5 days of the FTC id theft dispute. EQUIFAX sends me notices every time i submit a id theft report, thats states they are denying my request. Even after multiple disputes both mail and online, multiple phone calls and XXXX or more id theft reports EQUIFAX INTENIONALLY REFUSES to honor this goverment document and is still allowing this company access to my personal credit file after i requested this company be blocked and all reporting cease immediately. Recently on XX/XX/year> EQUIFAX recieved my XXXX dispute via certified mail along with an FTC ID THEFT REPORT TO BLOCK THE ABOVE MENTIONED ITEM. IT HAS BEEN ONE WEEK AND EQUIFAX HAS NOT BLOCKED ITEM PER FEDERAL LAWS, AND THEY HAVE NOT HONORED THE FTC ID THEFT REPORT ONCE AGAIN. INSTEAD EQUIFAX HAS INITIATED ANOTHER 30-60 DAYS DISPUTE ON THE ITEMS, TREATING IT AS IF IT IS A NORMAL DISPUTE AND IT IS NOT IT IS IDENTITY THEFT. MY FCRA LAWS ARE BEING VIOLATED AND ALSO MY PRIVACY IS BEING VIOLATED. I REQUESTED A METHOD OF VERIFICATION OF THE VERIFIED ITEM AND I WAS TOLD BY EQUIFAX THAT THEY WOULD NOT PROVIDE THAT INFORMATION, INTENIONAL NEGLECT, AND WILLFUL VIOLATION OF FCRA 611. EQUIFAX IS ALSO IN VIOLATION OF MY PRIVACY LAW PER FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit Management Inc. is furnishing things on my credit report and violating the consumer laws. Midland Credit Management Ice is violating consumer law 15 USC 1681 B in which they can not furnish anything on my credit report without my written consent. I never gave Midland written consent to furnish anything on my consumer report. Also, I have requested validation of this alleged debt and the purchase agreement on XX/XX/year> and gave Midland Credit Management Inc 15 days to give the requested documents to me in which they never did.

Company response to consumer: Closed with explanation