vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 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: MS

Complaint narrative:
TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ). ( 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 2024-11-23 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: WI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
XXXX account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: WI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
XXXX  account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX # XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. XXXX XXXX # XXXX I noticed you are reporting multiple 30 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 
XXXX XXXX  # XXXX XXXX XXXX # XXXX Please verify this account. 
XXXX # XXXX Please verify this account Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONWIDE ACCEPTANCE LLC
State: IL

Complaint narrative:
To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
Please remove the following inaccurate address from my credit report : NATIONWIDE CASSEL LLC # XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. XXXX XXXX XXXX XXXXXXXX I noticed you are reporting multiple 30 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify this account. 
XXXX XXXX XXXX Please verify this account Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation. 
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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX # XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. ALLY FINANCIAL # XXXX I noticed you are reporting multiple 30 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 
ALLY FINANCIAL # XXXX XXXX XXXX  # XXXX Please verify this account. 
XXXX  # XXXX Please verify this account Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
Me and my daughter were in my vehicle at a XXXX in XXXX XXXX  at the end of XXXX. A wrecker with the company ( XXXXXXXX XXXX XXXX ) backed up to the truck and proceeded to tow us off while we were in the vehicle.I immediately called XXXX and the police came and made him unhook the vehicle. I asked for the information and was not given anything of who or what was going on... Me and my daughter have been traumatized ever since the incident.There is also a hold on my title. Per TMX company located in XXXX XXXX PLEASE HELP ME to get the title release.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: WY

Complaint narrative:
I received a call from Resurgent Capital Services. I asked them to validate the debt. They chose to send me two ( 2 ) letters with a return address of XXXX XXXX XXXX ; XXXX, MI XXXX dated XX/XX/year> but not received until XX/XX/year>. The first letter states that they " received an inquiry and to call them and the second letter dated XX/XX/year> and received on XX/XX/year> stated that " enclosed is the account summary which provides validation of the debt. '' This does NOT validate the debt. I specifically asked for the original contracts with the alleged debtor, the legal assignment to the debt collector and all receipts and charges associated with this account. They chose not to provide this, thus not validating the debt and violating the FDCA. In addition, as you can see by the attached Resurgent Capital Services is NOT licensed in the State of Wyoming. Another company with a similar name is, however, that is not the contact information used on the correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: MO

Complaint narrative:
I am writing to notify you that I am a victim of identity theft, which has resulted in fraudulent accounts and inquiries being reported on my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the accounts and inquiries listed below be blocked and permanently deleted from my credit report as they are not authorized by me.

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 Fraudulent Inquiry 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 non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BlueChip Financial
State: CA

Complaint narrative:
Was given a debt payoff plan, was told debt would be paid off in XX/XX/year>. 

Fully paid, online account does not show paid off and debt was sent to a third party debt collector.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: PA

Complaint narrative:
I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I have discovered unauthorized activity on my credit report that I did not initiate. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the blocking and deletion of the following accounts and inquiries.

Fraudulent Accounts XXXX. XXXX XXXX XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$2100.00} XXXX. XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX  - Date : 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
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
{$310.00} Open balance XXXX XXXX  I Original creditor XXXX  Opened XX/XX/year> ( 11 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original creditor name XXXX XXXXXXXX XXXX {$1000.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/year> ( 1 yrs, 0 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original creditor name XXXX XXXX XXXX {$2100.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/year> ( 1 yrs, 0 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes- reinvestigation in progress Collection account Original creditor name XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
Dear XXXX XXXX, I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation. 
Account Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer. 
Accounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the XXXX XXXX XXXX XXXX ( XXXX ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws. 
The fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers. 
Unconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the XXXX XXXX to the United States XXXX. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the XXXX XXXX to the United States XXXX. 
XXXX of XXXX and XXXX of Rights The actions of your organization and its agents have been carried out under the XXXX of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 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 2024-11-23 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: MS

Complaint narrative:
Dear XXXX XXXX, I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation. 
Account Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer. 
Accounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the XXXX XXXX XXXX XXXX ( XXXX ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws.

The fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers.

Unconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the Fifth Amendment to the United States Constitution. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the Thirteenth Amendment to the United States Constitution. 
XXXX of XXXX and Deprivation of Rights The actions of your organization and its agents have been carried out under the XXXX of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 18 U.S.C. 242.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: TX

Complaint narrative:
Ive requested my consumer report several times and received a email saying that it would be sent by mail over XXXX XXXX XXXX XXXX ago. I havent gotten any email correspondence or update about the process of me getting my report. I called several times over the phone and the only thing that was said is it would be sent by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I do not recognized and authorized these accounts : XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX JPMCB CARD. XXXX XXXX XXXX XX/XX/XXXX JPMCB CARD. XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I only have one name, one address, and one phone number.

Please remove these inquires and keep one name, one address, an one number. The credit bureaus did not do what I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I do not recognized and authorized these accounts : CITI CARDS CBNA. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 only have one name, one address, and one phone number.

Please remove these inquires and keep one name, one address, an one number. The credit bureaus did not do what I asked.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello All, All my names are misspelled in all 3 credit bureaus, please see the following incorrect names. 

XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these names need to be removed, my correct name is : CORRECT NAME FIRS NAME : XXXX MIDLE NAME : XXXX LAST NAME : XXXX XXXX And my last two addresses need to be removed from my credit report please OLD ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX FLORIDA XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. 

I request that only my current address be seen is the following. 
XXXX XXXX XXXX XXXX XXXX XXXX, NORTH CAROLINA XXXX. 

Please see attached evidences. 



Thank you Best Regard

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 2024-11-23 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: AR

Complaint narrative:
I HAVE CHALLEGED INACCURATE ITEMS MULTIPLE TIMES AND MULTIPLE TIMES SOLUTION HASNT BEEN RESOLVED PLEASE DELETE THE FROM CREDIT REPORT DUE TO INACCURATE INFORMATION. IF INFORMATION IS COMING FROM CREDIT FUNISHER IT IS NOT CORRECT ACROSS THE BUREAUS. PLEASE DELETE!

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