vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: IL

Complaint narrative:
According to the FCRA the credit have violated my right, also have non compliance with the right of not following the guidelines. These accounts is inaccurate and incorrect and please provide the debt of validation. These account i want remove immediately. XXXX XXXX # XXXX {$7700.00} these account is wrong and have violated my rights. Please remove immediately.

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 2024-12-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX  XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$2900.00} XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX AT XXXX ) XXXX BALANCED {$7900.00} XXXX  XXXX XXXX XXXX {$590.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX APPLIANCES I - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - 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 XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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
Consumer complaint received 2024-12-03 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:
Subject : Dispute of Credit Collections Account Under FCRA To Whom It May Concern, I am writing to formally dispute the collection account reported on my Equifax credit report by XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX  XXXX XXXX XXXX. According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of California. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Equifax is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and Equifax is obligated to investigate and correct or delete unverifiable data. 
Actions Requested Proof of Licensing : Provide verifiable proof that Credit Collections is licensed to collect debts in California. 

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. 

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction. 

I request that you complete your investigation and provide a response within the XXXX timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your prompt attention to this matter. If additional information is needed, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP
State: OK

Complaint narrative:
I took out a loan to help my brother move from XXXX  back to XXXX  and my brother promised to pay the loan back and now he has gone back on his word and I am now almost 3 months pasted due. I went to security finance in XXXX to talk to them about my loan and everything was ok until little XXXX XXXX started getting hateful and made a threatening statement to garnish my ssi wages which that comes down to her violating the Fair Debt Collection Practices Act which is a federal law that NO loan company can garnish ssi wages because they are federally protected. When I told her that they couldnt garnish ssi wages she kept on arguing with me saying they can and they cant not garnish ssi wages also since she has made this threat then all the 56 calls now become harassment. Also XXXX did lie to the store manager XXXX XXXX XXXX and she said that I was recording in the office when I was NOT recording and since XXXX said that now it becomes falsified statement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
i send with protection XXXX all XXXX with my address and never received the goods and they are saying they didnt received the payments the address in the order is correct that they can verify all tracking numbers are showing bad address and they are not doing nothing they just decided to close the account XXXX dollars Transaction ID XXXX XXXX dollars Transaction ID XXXX XXXX dollars Transaction ID XXXX XXXX dollars Transaction ID XXXX as you can see the tracking they provided and the address i send are totally different and they are saying they dont have the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase has incorrect mortgage payments, here are the following incorrect negative reports. 
History : XX/XX/year> ; XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX The report is under XXXX also showing the mortgage was under a bankruptcy which was never under a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This account was charged off in XXXX of XXXX. It is obsolete and too old to appear on my credit report. I have not made any payments since XXXX  and the company is reporting incorrect information and has failed to remove this obsolete debt from my 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 2024-12-03 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: DE

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: GA

Complaint narrative:
This is now my third time addressing Equifax regarding unverifiable inquiries on my credit report. Despite multiple attempts to resolve this directly with both Equifax and the creditors involved, my concerns remain unaddressed. 

Steps I have taken so far : I contacted the creditors directly on multiple occasions, requesting verification, authorization, or proof of permissible purpose for these inquiries. None of the creditors have provided any documentation or proof. 
I reported these issues to Equifax several times, requesting that they investigate and verify these inquiries. Equifax has failed to provide any verification, despite my repeated efforts. 
Under the Fair Credit Reporting Act, inquiries that are unverifiable, inaccurate, or lack permissible purpose must be removed from my credit report. I have requested Equifax to do so, but they have not acted in accordance with the law. 

Below is a list of the inquiries in question : XXXX XXXX XXXX  XXXX : Inquiry Date XX/XX/XXXX I do not recognize this inquiry. 
XXXX XXXX : Inquiry Date XX/XX/XXXX I do not recognize this inquiry. 
XXXX XXXX  : Inquiry Date XX/XX/XXXX I do not recognize this inquiry. 
XXXX XXXX XXXX XXXX : Inquiry Date XX/XX/XXXX I do not recognize this inquiry. 
XXXX XXXX XXXX : Inquiry Date XX/XX/XXXX I do not recognize this inquiry. 

I have kept a detailed record of all my correspondence with Equifax and the creditors involved. If these inquiries are not removed promptly, I will escalate this issue further, including providing the CFPB with all documentation to support my claim. 

Equifax 's failure to comply with my requests has caused unnecessary frustration and potential harm to my creditworthiness. I trust that the CFPB will address this issue appropriately to ensure compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed the inaccuracies and unauthorized accounts /information reporting to my credit report. these remarks have been detrimental to my life and credit health

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 2024-12-03 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed the inaccuracies and unauthorized accounts /information reporting to my credit report. these remarks have been detrimental to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I had a very expensive car loan for several years with Wells Fargo and they would use aggressive tactics to collect payment before due dates and collected unjust late fees. My car was eventually voluntary repossessed in XXXX The car salesmen was aggressive and cut corners to stick me with the high interest rate payment and even sold me fake auto insurance in order to be able to make the sale. My children were small and I needed a car. I was young and did not have any guidance. They got me and took more money than I could ever afford. Please verify if I am included in the current class action lawsuit.

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 2024-12-03 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: MI

Complaint narrative:
It is my personal statement that the inquiries that I have listed are a result of identity theft and are fraudulent and must be deleted within four business days of your receipt of this report pursuant to 15 USC 1681C-2 of the FCRA. Also, pursuant to 15 USC 1681e ( b ) of the FCRA, you must maintain accurate records of my personal information within my credit file. Update my personal information to reflect accurately within my consumer report. 

See Attached Identiy Theft Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
ompany or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$1100.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$8600.00} Credit Card Opened by the Thief Company or Organization : XXXXXXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$1500.00} Other Identity Theft Company or Organization : XXXX  Date fraud began : XX/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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Plastyc, Inc.
State: MO

Complaint narrative:
On XX/XX/year>, I redeemed accrued Upside cash back for a {$100.00} XXXX gift card and {$170.00} transfer to XXXX and I didnt receive anything. Ive been emailing since XX/XX/year> trying to get support and my emails have been ignored since XX/XX/XXXX. Case numbers include XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
Additionally, I have approximately {$10.00} in pending transactions I cant get help resolving since Im being ignored, as the companys operation is so poor offers are often declined and require additional support to get the cash back added. 
Send the cash back for {$280.00} and close my account.

Company response to consumer: Untimely response
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern : It my with great displeasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX  The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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:
To Whom It May Concern : It my with great displeasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ).

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX  The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on 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 2024-12-03 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: PA

Complaint narrative:
There are unauthorized hard inquiries on my credit report that violate 15 USC 1681c-2. I ask for their immediate removal to protect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
I need to update my mailing address and in checking my report I found there are address that aren't mine, that Ive never lived at or never been associated with. I them removed/ BLOCK FROM MY 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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I need to update my mailing address and in checking my report I found there are address that aren't mine, that Ive never lived at or never been associated with. I them removed/ BLOCK FROM MY REPORT...

Company response to consumer: Closed with non-monetary relief