vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX I HAVE NOTIFIED THEM ON NUMEROUS OCCASIONS THAT THESE ARE NOT MY ACCOUNTS I EVEN SENT MY FTC AND A NOTARIZED AFFIDAVIT TO VERIFY THAT MY PROOF OF IDENTITY AND THAT THESE ARE ERRONEOUS CHARGES THEY ARE TRYING TO CONTINUE DEFAMING MY CHARACTER FOR I HAVE BEEN VIOLATED AND THE LAWS AS WELL THEY STATE IN REMARKS ON REPORTING AGENCIES THAT IT MEETS THE FCRA GUIDE LINES BUT WILL NOT PROVIDE VALID INFORMATION AS TO HOW THEY ARE VALIDATING THEIR INFORMATION THEY CANT POSSIBLY HONESTLY INVESTIGATING COMPLETELY BECAUSE THEY WOULD SEE THAT THIS ERRONEOUS INFORMATION WAS NOT ME AND IT NEEDS TO BE REMOVED/DELETED IMMEDIATELY INSTEAD OF JUST CONTINUING TO TAKE THE EASY WAY OUT AND VALIDATE THE DEBT AND MAKE MY LIFE HARD WHILE I'M TRYING TO CLOSE ON A HOME FOR MY FAMILY INVESTIGATE, SEE THAT ITS NOT MY DEBT, AND DELETE IT. PLEASE I DON'T UNDERSTAND YOU ALL PAY PENNIES ON A DOLLAR FOR A DEBT THAT I DON'T HAVE ANY INFORMATION ON THE ORIGINAL CREDITOR EVEN SENT ME A RESPONSE THAT THEY DIDN'T VALIDATE THE DEBT WAS MINE AND THEY HAVE NO INFORMATION ON THE ACCOUNT SO WHY CONTINUE TO DRAG THIS OUT AND MAKE ME TO CONTINUE TO TELL MY KIDS DISAPPOINTING NEWS THAT WE CANT MOVE INTO OUR FOREVER HOME BECAUSE OF XXXX COLLECTORS I'M ON FIXED INCOME AND TOTALLY XXXX  WITH XXXX  CHILDREN JUST TRYING TO MAKE IT BUT I DON'T KNOW WHAT YOU ALL WANT FROM ME YOU ALL MAKE MY HEALTH WORSE WITH ALL THIS STRESS. WE FINALLY GET TO A PLACE WHERE WE CAN GET SOME HELP TO CLOSE ON OUR HOME AND THEN BOOM XXXX  COLLECTION IS STOPPING US. THIS IS CRAZY ESPECIALLY WHEN ITS ERRONEOUS INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: CA

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2023-10-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/XXXX received a call about data breech inside JPM bank for 10 years. I was offered insurance funds being the breech was on them XXXX for five years plus access to my trust and a safety deposit box also. Have not received XXXXXXXX XXXX Its was suppose to be in my account by XX/XX/XXXX. I contacted Chase bank customer service which told me I had to find external bank for my Derivative securities. I found XXXX set up an account and set up XXXX transfer to Chase bank XX/XX/XXXX. On XX/XX/XXXX XXXX closed my account with any warning and they wouldnt tell me why they simply said its there right to terminate relationship. I would like this resolved asap. Of course insurance funds for pain and suffering. I want back any loss of assets do to this situation. And full control of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 2023-10-18 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: SC

Complaint narrative:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. I previously included this in my COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX  Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX Balance : {$360000.00}.

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 non-monetary relief
Consumer complaint received 2023-10-18 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: SC

Complaint narrative:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. I previously included this in my COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX  Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX  Balance : {$530.00} ; XXXX XXXX XXXX XXXX Balance : {$360000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have recently received my full credit reports from TransUnion, XXXX and XXXX and I noticed a collection on my TransUnion report that has already been proven not to be my account or debt and have been removed and deleted from my other two consumers reports. I am unsure why this collection is still showing on my TransUnion report when I am not responsible for this account. 
I am not liable for this debt, ( XXXX XXXX XXXX or XXXX ) I do not have a contract with, XXXX XXXX XXXX they have not provided me with the original contract as I have requested from their agency and also requested Transunion to provide. 
In accordance with the fair credit reporting act, This company ( XXXX XXXX XXXX ) 15 USC 1681-602A states I have the right to privacy.

15USC 1681-604A section 2 States a consumer reporting agency can not furnish. 
an account without my written instructions. 
I do believe that this report is inaccurate, and these companies have not done a full investigation to verify this account as well.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account that is with XXXX XXXX was a paid to delete account that has not been removed from my consumer reports. 
This account XXXX from XXXX XXXX that has been paid for already and the company has also reported false late payments for the following account as well. 
The dates of XXXX XXXX are showing 30 date late payments remarks which are illegal and inaccurate due to the fact that the account was closed on XXXX XXXX so how can I be responible for late payments being reported after the account was closed than paid off in full as contract of pay to delete stated. 
Not only did the credit company update the account as paid and closed they DID NOT remove this account off NONE of my three credit profiles with TransUnion, XXXX and XXXX and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my 1099 in the mail for this debt that has been paid twice for this account XXXX that has been paid for already. 
In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account that is with XXXX XXXX was a paid to delete account that has not been removed from my consumer reports. 
This account XXXX from XXXX  XXXX that has been paid for already and the company has also reported false late payments for the following account as well. 
The dates of XXXX XXXX are showing 30 date late payments remarks which are illegal and inaccurate due to the fact that the account was closed on XXXX XXXX so how can I be responible for late payments being reported after the account was closed than paid off in full as contract of pay to delete stated. 
Not only did the credit company update the account as paid and closed they DID NOT remove this account off NONE of my three credit profiles with XXXX, Experian and XXXX and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my 1099 in the mail for this debt that has been paid twice for this account XXXX that has been paid for already. 
In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 explanation
Consumer complaint received 2023-10-18 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:
This is my SECOND request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 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 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 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 2023-10-18 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: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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

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 2023-10-18 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: NJ

Complaint narrative:
I recently reviewed a copy of my XXXX credit reports from all three bureaus and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order. The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. I am requesting that these bureaus remove these unauthorized inquires from my credit profiles as they are not authorized inquiries by me, nor are they linked to any of my accounts. 

XXXX : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX : XXXX XXXX, XXXX Inquired On XX/XX/XXXX TRANSUNION : XXXX XXXX Inquired On XX/XX/XXXX XXXX Inquired On XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired On XX/XX/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 2023-10-18 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: NJ

Complaint narrative:
I recently reviewed a copy of my 3 credit reports from all three bureaus and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order. The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. I am requesting that these bureaus remove these unauthorized inquires from my credit profiles as they are not authorized inquiries by me, nor are they linked to any of my accounts. 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX : XXXX XXXX, XXXX Inquired On XX/XX/XXXX XXXX : XXXX XXXX Inquired On XX/XX/XXXX XXXX Inquired On XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired On XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
XXXX XXXX transferred my student loan to Firstmark Trust Services using dated information. I moved and was not receiving any of the bills or statements from the company. Because of this, I missed a payment and now my credit score has been severely impacted. I called to try to fix the problem and the customer service agents had an attitude and were unhelpful. I have never missed a payment on anything in my life and I feel like I am being mistreated and taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: NJ

Complaint narrative:
I recently reviewed a copy of my 3 credit reports from all three bureaus and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order. The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. I am requesting that these bureaus remove these unauthorized inquires from my credit profiles as they are not authorized inquiries by me, nor are they linked to any of my accounts. 

EXPERIAN : XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XXXXXX/XX/XXXXInquired on XX/XX/XXXX 
Inquired on XX/XX/XXXX XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XXXX : XXXX XXXX, XXXX Inquired On XX/XX/XXXX XXXX : XXXX XXXX Inquired On XX/XX/XXXX XXXX Inquired On XX/XX/XXXXXX/XX/XXXXXXXX Inquired On XX/XX/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