vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Skrill USA, Inc.
State: TN

Complaint narrative:
I opened an account with XXXX on XX/XX/year>. I made a small initial deposit before verifying my identity with a selfie and pictures of my driver 's license. Once verification was complete the following day, I deposited another {$1300.00}. Skrill immediately locked my account and has not allowed me to access these funds since. I have opened 4 help tickets to no avail. Every time I open a case and ask for help, Skrill quickly marks the case as 'resolved ' despite providing no assistance to me whatsoever and keeping my account locked.

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

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from 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 2024-12-10 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 kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from 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 explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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. Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: SC

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Ive disputed my credit card reporting high limits Ive ask these companies to discharge my debit or cease and desist from reporting my credit cards high debt and XXXX  XXXX when I use my credit card it must be discharged as a united state obligation or cease and desists from reporting to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from 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 2024-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
This complaint is associated with a previous complaint number XXXX regarding PHH c/o XXXX. I discovered from an email from XXXX ( see attached ) that an insurance premium of {$790.00} was paid to an unknown insurance XXXX on XX/XX/year> for my loan ending in XXXX. After contacting PHH/XXXX  XXXX XXXX  XX/XX/XXXX to inquire about who was the carrier. The PHH representative stated that it was XXXX XXXX XXXX. I explained to them that that couldnt be possible because my insurance XXXX for my home coverage is with XXXX Michigan which was paid by PHH on XX/XX/year> ( See Attached ). The PHH Representative provided me with a phone number to inquire further explaining that they would have more information to provide me as to where did this check go. The phone number was XXXX which was answered by a company called XXXX, headquatered in XXXX GA who stated that they sell property, provide home preservation services, and provide inspections for insurance claims. They indicated that they have no information regarding my circumstances and gave me the phone number to their account receivables department XXXX which I attempted on several occasions and no answer. This could be fraud claims on XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: CT

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from 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 explanation
Consumer complaint received 2024-12-10 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/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 2024-12-10 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened 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 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLOBAL CREDIT UNION
State: AK

Complaint narrative:
XX/XX/XXXX -Called the Global Credit Union XXXX XXXX XXXX Asked to set up payment arrangement. I was then told that no such account exists. 
Transferred to Collections.They don't know either. 

Good afternoon, XXXX, Thank you for your email. Unfortunately, we are unable to locate an account using the information provided in your email. To ensure security of your account, please contact our XXXX XXXX XXXX at XXXX XXXX for verification and assistance. 



If you have any other questions, please call our XXXX XXXX XXXX at XXXX XXXX and press option XXXX and option XXXX, to speak to a XXXX XXXX Representative. 



Thank you for your cooperation. 

Good afternoon, XXXX, Thank you for your email. Unfortunately, we are unable to locate an account using the information provided in your email. To ensure security of your account, please contact our XXXX XXXX XXXX at XXXX XXXX for verification and assistance. 



If you have any other questions, please call our XXXX XXXX XXXX at XXXX XXXX and press option XXXX and option XXXX, to speak to a XXXX XXXX Representative. 



Thank you for your cooperation. 



Have a great day! 





XXXX XXXX ( XXXX ) Senior Member Service Representative Member Service Center XXXXXXXX XXXX XXXX XXXXXXXX | Fax XXXX XXXX XXXX XXXX XXXX XXXX AK XXXX Thank you for your email. Unfortunately, we are unable to locate an account using the information provided in your email. To ensure security of your account, please contact our XXXX XXXX XXXX at XXXX XXXX for verification and assistance. 



If you have any other questions, please call our XXXX XXXX XXXX at XXXX XXXX and press option XXXX and option XXXX, to speak to a XXXX XXXX Representative. 



Thank you for your cooperation. 



Have a great day! 





XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX | Fax XXXX XXXX XXXX XXXX XXXX XXXX AK XXXX Thank you for taking time to contact XXXX. 
We are in the process of reviewing the matter you contacted us about, and anticipate having a formal response to you within XXXX business hours, ( XXXX, excluding holidays ). 
Thank you for your membership! 

These are the emails sent back. 
No Court Judgement, no paperwork on this NOTHING. 
If found in violation, I demand a full restoration of credit history, along closing this " account '' WITH A FULL REFUND.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: Possible Financial Inc
State: OK

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
I am disputing a debt of {$710.00}, associated with account number XXXX, reported by Jefferson Capital Systems. This debt does not belong to me. Over multiple years, I have requested Jefferson Capital Systems to provide proof that this debt is mine, but they have failed to do so. 

I contacted the original creditor, XXXX XXXX, and they confirmed there is no record of this debt under my account. Despite this, Jefferson Capital Systems continues to report this debt to the credit bureaus, negatively impacting my credit report. 

By reporting false information on my credit report, Jefferson Capital Systems has violated the following federal laws : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Jefferson Capital Systems is legally obligated to ensure the accuracy of the information they furnish to credit reporting agencies. Their continued reporting of an unverified and inaccurate debt violates this law.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : It is illegal for a debt collector to use any false, deceptive, or misleading representations in connection with the collection of a debt. Reporting a debt that does not belong to me qualifies as a false and deceptive practice.

3. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) : Upon being notified of a dispute, Jefferson Capital Systems is required to investigate and correct any inaccuracies in a timely manner. Their failure to remove or correct the inaccurate information on my credit report violates this law.

Previous Complaints : I have filed prior complaints regarding this issue : CFPB Complaint ID : XXXX CFPB Complaint ID : XXXX Despite these complaints, the issue remains unresolved. 

Requested Resolution : I am requesting the following actions : 1. Immediate removal of the {$710.00} debt associated with account number XXXX from all credit reports. 
2. Confirmation that all financial responsibility for this debt has been removed.

3. Assurance that Jefferson Capital Systems will cease further collection attempts or reporting of this debt. 

Supporting Evidence : XXXX XXXX has confirmed there is no such debt under my name. 
Previous communication records where Jefferson Capital Systems was asked to validate the debt and failed to provide proof. 
Documentation of prior CFPB complaints and their outcomes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/year>, I asked the credit Bureaus to do a reinvestigation into this XXXXXXXX XXXX XXXX account and if it wasn't 100 % accurate and verifiable, I asked for this account to be deleted from my credit report. I requested that XXXX close my account around XXXX XXXX XXXX XXXX XXXX I believe. The comment by XXXXXXXX XXXX on my credit reports now read closed at consumer 's request with XXXX late payments on XXXX. However, even though this account is closed, they continue to report new late payments and activity when that is inaccurate if this account is closed. This is a direct violation of the FCRA. I also previously asked for valid proof showing when all payments were received into the account at XXXXXXXX XXXX and if it couldn't be provided, I requested that the account be removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: AL

Complaint narrative:
On XX/XX/year>, I asked the credit Bureaus to do a reinvestigation into this XXXXXXXX XXXX XXXX account and if it wasn't 100 % accurate and verifiable, I asked for this account to be deleted from my credit report. I requested that XXXX close my account around XXXXXXXX XXXX XXXX XXXX XXXX I believe. The comment by XXXXXXXX XXXX on my credit reports now read closed at consumer 's request with XXXX late payments on Equifax. However, even though this account is closed, they continue to report new late payments and activity when that is inaccurate if this account is closed. This is a direct violation of the FCRA. I also previously asked for valid proof showing when all payments were received into the account at XXXXXXXX XXXX and if it couldn't be provided, I requested that the account be removed from my credit reports.

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

Complaint narrative:
On XX/XX/year>, I asked the credit Bureaus to do a reinvestigation into this XXXXXXXX XXXX XXXX account and if it wasn't 100 % accurate and verifiable, I asked for this account to be deleted from my credit report. I requested that XXXX close my account around XXXXXXXX XXXX XXXX XXXX XXXX I believe. The comment by XXXXXXXX XXXX on my credit reports now read closed at consumer 's request with XXXX late payments on XXXX. However, even though this account is closed, they continue to report new late payments and activity when that is inaccurate if this account is closed. This is a direct violation of the FCRA. I also previously asked for valid proof showing when all payments were received into the account at XXXXXXXX XXXX and if it couldn't be provided, I requested that the account be removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: CT

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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