vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 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: WA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXXSubject : FCRA Section 605B Dispute Request to Block and Remove Fraudulent Account InformationDear Experian, I am writing to formally dispute the reporting of the account associated with XXXX XXXX on my credit report. This letter is being submitted under the provisions of the Fair Credit Reporting Act ( FCRA ) Section 605B, which mandates the blocking and removal of information resulting from identity theft or fraudulent activity.Account Details : Creditor Name : XXXX XXXX. ] This account was reported to you without my authorization and in direct violation of several federal laws, including : 15 U.S. Code 1681c-2 : Reporting of information related to identity theft.15 U.S. Code 6802 : Disclosure of nonpublic personal information.15 U.S. Code 1666b : Late payment must be posted within a reasonable time.15 U.S. Code 1643 : Unauthorized use.The following actions were taken by XXXX XXXX, constituting identity theft and fraud : Unauthorized Disclosure : XXXX XXXX furnished my private information to third parties without my explicit authorization.Continued Reporting After Cease and Desist : Despite my sending a cease and desist letter, XXXX XXXX continued to report late payments on my credit report even after the account was closed and charged off.Failure to Provide 1099-C : XXXX XXXX failed to provide me with a 1099-C form after charging off the account.I have disputed this matter multiple times with both XXXX XXXX and Experian. However, each time, Experian has validated the information without providing evidence of the steps taken to verify its accuracy. This failure to investigate properly indicates a violation of my rights under federal law.Given the violations mentioned above, I request the immediate removal and blocking of the fraudulent information related to this account from my credit report as required by the FCRA. This includes all references to this account, any associated late payments, and any other negative information.Please confirm in writing that the requested action has been taken within the 30-day time frame allowed by law. If Experian fails to comply, I will consider all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action.Thank you for your prompt attention to this matter. I look forward to your immediate compliance with my request.Sincerely, 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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Milliman, Inc.
State: CA

Complaint narrative:
Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). I attempted to make this request through your agencys online portal but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. Below is the information needed to process this request : Full Name : XXXX 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 2024-08-22 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I have not used moneygram to send money abroad since XXXX  when this apparent problem arose. However, upon attempting to send money to a friend in XXXX XXXX XXXX the Moneygram service denied me again XXXX years later, tonight XXXX XXXX. I continued to ask for specifics of what violations I had engaged in but Moneygram is not willing to provide me any information but simply to deny me access. The person is in need of the small amount I was sending, {$50.00}, yet Moneygram is blocking and preventing me from utilizing their service to send the money. They assume a posture of the alleged subject of sinister acts being guilty without a willingness to explain to them, me, as to what is the basis for the allegations and the action to deny me access to send money. Their arrogance and virtual ambivalence towards my request to articulate what I have allegedly done wrong appears to be simply callously dismissed. This conduct of Moneygram agents and managers has caused me to experience significant trauma and mental anguish unnecessarily behind some false, yet unknown allegation against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: CITIBANK, N.A.
State: NY

Complaint narrative:
This account is invalid. CITICARDS CBNA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

CITICARDS CBNA # 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 2024-08-22 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: PA

Complaint narrative:
Im seeking your assistance with this incorrect account showing up on my credit report. This issue has harmed my reputation, and I need your help to address it. Your mishandling of my credit report has severely affected me, and due to your inaccurate reporting, my reputation has suffered. It is crucial to eliminate these inaccuracies so I can have peace with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). I attempted to make this request through your agencys online portal but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. Below is the information needed to process this request : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX  Social Security Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted these companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency.

Please remove the following accounts : XXXX XXXX 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 2024-08-22 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:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted these companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency.

Please remove the following accounts : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-08-22 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: Mercury Financial Intermediate LLC
State: NY

Complaint narrative:
This account is invalid. Mercury Financial needs to verify under oath that this claim is valid, freeform any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 


Mercury cc # XXXX ( Mercury Financial LLC )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MIB Group, Inc.
State: CA

Complaint narrative:
Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). I attempted to make this request through your agencys online portal but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. Below is the information needed to process this request : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX  Social Security Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: NY

Complaint narrative:
I am asking for your assistance concerning this incorrect account appearing on my credit report. This has negatively impacted my reputation, and I require your support to resolve it. The improper handling of my credit report has caused me considerable distress, and your inaccurate reporting has damaged my standing. These inaccuracies must be corrected for the sake of my familys well-being.

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 2024-08-22 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: WA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX : FCRA XXXX XXXX Dispute Request to Block and Remove Fraudulent Account InformationDear Experian, I am writing to formally dispute the reporting of the account associated with XXXX XXXX on my credit report. This letter is being submitted under the provisions of the Fair Credit Reporting Act ( FCRA ) Section 605B, which mandates the blocking and removal of information resulting from identity theft or fraudulent activity.Account Details : Creditor Name : XXXX XXXX. ] This account was reported to you without my authorization and in direct violation of several federal laws, including : 15 U.S. Code 1681c-2 : Reporting of information related to identity theft.15 U.S. Code 6802 : Disclosure of nonpublic personal information.15 U.S. Code 1666b : Late payment must be posted within a reasonable time.15 U.S. Code 1643 : Unauthorized use.The following actions were taken by XXXX XXXX, constituting identity theft and fraud : Unauthorized Disclosure : XXXX XXXX furnished my private information to third parties without my explicit authorization.Continued Reporting After Cease and Desist : Despite my sending a cease and desist letter, XXXX XXXX continued to report late payments on my credit report even after the account was closed and charged off.Failure to Provide 1099-C : XXXX XXXX failed to provide me with a 1099-C form after charging off the account.I have disputed this matter multiple times with both XXXX XXXX and Experian. However, each time, Experian has validated the information without providing evidence of the steps taken to verify its accuracy. This failure to investigate properly indicates a violation of my rights under federal law.Given the violations mentioned above, I request the immediate removal and blocking of the fraudulent information related to this account from my credit report as required by the FCRA. This includes all references to this account, any associated late payments, and any other negative information.Please confirm in writing that the requested action has been taken within the 30-day time frame allowed by law. If Experian fails to comply, I will consider all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action.Thank you for your prompt attention to this matter. I look forward to your immediate compliance with my request.Sincerely, 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 2024-08-22 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). I attempted to make this request through your agencys online portal but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. Below is the information needed to process this request : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX  Social Security Number : 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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CrossCheck, Inc.
State: CA

Complaint narrative:
Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). I attempted to make this request through your agencys online portal but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. Below is the information needed to process this request : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX  Social Security Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
JPMCB CARD SERVICES XXXX and JPMCB CARD SERVICES XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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:
It has been brought to my attention that you are not removing files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-22 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: TX

Complaint narrative:
I am a victim of identity theft, and as a result, my credit report contains multiple fraudulent items that I did not authorize or initiate. Specifically, there are 6 accounts and 20 inquiries that were added to my credit report without my knowledge or consent. 

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have already reported this identity theft to the Federal Trade Commission ( FTC ). I request that these fraudulent accounts and inquiries be removed from my credit report immediately to restore its accuracy.

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 2024-08-22 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: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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