vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 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: TX

Complaint narrative:
I am writing to formally complain about violations of the Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681b regarding the inaccurate information presently reporting on my consumer report. 
As a consumer, I am protected under the FCRA, which mandates that consumer reporting agencies, such as [ Equifax ], must maintain accurate and up-to-date information on consumers ' credit reports. However, despite my efforts to dispute the inaccuracies on my credit report in accordance with the FCRA, [ Equifax ] has failed to take appropriate action. 
Therefore, I demand that [ Equifax ] immediately correct the inaccurate information on my credit report and ensure compliance with the FCRA. Furthermore, I am entitled to seek remedy for each violation committed under the FCRA, as specified in the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: FL

Complaint narrative:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-07 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:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
Aldous & Associates has threatened to report a collection to my credit profile for a payment they claim I refused to make after I returned their voicemail. However, I was no longer a member of the gym, I have good credit, and the card they were attempting to charge had been canceled due to my wallet being stolen. 

I called both the gym and XXXX XXXX to inform them that my account had already been closed and that I had no outstanding debt. Despite this, they continued to call me. So, I sent them a certified letter with a return receipt requested, asking for verification of the debt and requesting that they cease all collection activity. They never responded to that letter. 

Now, they are threatening to send me to collections and damage my perfect credit score, so Im trying to resolve this matter before it escalates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report XXXX 

Please verify or remove immediately the following accounts : Jefferson Capital Llc XXXX XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: LA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: CA

Complaint narrative:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again.

This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

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 2024-10-07 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:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again.

This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

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 2024-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/XXXX I made a huge purchase of over $ XXXX with this online designer high end consignment shop The XXXX XXXX on XX/XX/year> for fur coats to wear in the winter. The description of the coats were very good condition with pictures of coats looking nice with no signs of rips. I trusted them and made the purchase. I opened up the coats and they were not as described. Worn in BAD condition, ripped all over, sizes are too small, coats are smelly, and the items are not even able to wear or fix. I called the company and I was first rudely hung up on. I called back and a rude gentlemen stated that there was a not refundable and non returnable policy. Then I called back upset and a gentleman offered a {$200.00} something dollars return on XXXX coat only and I will have to pay restocking fee and other fees. I dont only have XXXX coat I have XXXX terrible coats that are damaged and I was scammed by this company. I finally called Chase Bank to do an investigation on XXXX  XX/XX/XXXX and on XXXX  XX/XX/XXXX they credited my account a little bit over {$4600.00} and told me it will take 10 days ir more. I even went to my account and sent them pictures of the coats damaged. By XX/XX/XXXX I received two letters that the investigation was completed, that I authorized the purchases and I owe them the full amount back. First of all there is no way they contacted the company and did a full investigation on the damages of these items. The company never contacted me to work anything out if chase did reach out. I also signed up because Chase advertised that they do protect buyers that receive damage goods and etc. I am now reading so many people Chase has done the same thing to and this is very upsetting. Now Im scammed out of thousands out of my bank and Im stuck with items that were falsely advertised that I can not wear for winter and we are approaching winter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The loan being reported as closed on my XXXX report with 9 missed payments was reporting being serviced by XXXX XXXX XXXX XXXX  on my Transunion credit report on the dates you report to have had my loan with XXXX Please remove your account from my credit report completely due to inaccurate reporting pursuant to FCRA 15 US 1681 ( I ) section ( 5 ) ( a ) ( I ). I have uploaded my Transunion and XXXX credit report where the error reporting is made. If no changes are made I will pursue legal action against you and the credit bureaus.

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 2024-10-07 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: GA

Complaint narrative:
The loan being reported as closed on my Equifax report with 9 missed payments was reporting being serviced by XXXX XXXX XXXX XXXX  on my XXXX credit report on the dates you report to have had my loan with XXXX  Please remove your account from my credit report completely due to inaccurate reporting pursuant to FCRA 15 US 1681 ( I ) section ( 5 ) ( a ) ( I ). I have uploaded my XXXX and Equifax credit report where the error reporting is made. If no changes are made I will pursue legal action against you and the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: IN

Complaint narrative:
I had a XXXX XXXXXXXX XXXX XXXXXXXX that I paid religiously every month. I was never late on any payments, in fact, I always paid my card in full almost every month. I made XXXX payments that were XXXX payments. I had forgotten that I had put a XXXX block on my bank account due to the fact that I was a victim of identity theft. XXXX XXXX stated that even though I was never late, and in fact overpayed, that due to the XXXX payments being returned that they were closing my account. I tried to reinstate it, but was told that I they were not going to reinstate it. They also informed me on the phone that it would report on my credit as closed by consumer. XXXX is reporting it as a paid loan, however, Equifax has decided to take it upon themselves to illegally report it as closed by the grantor with a XXXX balance, thus dropping my credit score by XXXX points. Equifax REFUSES to assists with fixing anything on credit reports, unless they are compelled to do so. Equifax also falsely reported on my credit that I have no revolving accounts, when in fact, I was approved for a credit card through XXXX  XXXX XXXX, and I do have an account with them. XXXX XXXX also offered me to reapply with them to get a new card, but I declined and opted to go with XXXX XXXX instead. I actually was offered a credit line increase by XXXX XXXX XXXX  prior to their closing of my account, since I was such a loyal customer. I didnt want a credit line increase as I was trying to be responsible with my credit. XXXX XXXX offered me better terms and rates, whereas XXXX  XXXX is for somone who is attemting to repair their credit. Its also worth noting that XXXX XXXX had just sent me a {$200.00} check in the mail prior to this. My credit score has suffered due to Equifax falsely reporting, even though I was a loyal customer to XXXX XXXX and was NEVER late on my payments. When they informed me that they were closing my card, I paid it in full immediately. I understand that XXXX XXXX 's were declined by my bank, that stil never resulted in my being late on my payments, and would not have happened had I not had been a victim of identity theft and was forced to block my XXXX 's as a result. I do have a police report as well. The business practices that Equifax is implementing are uscrupulous and unlawful! I did recieve an email from XXXX XXXX stating that they were going to report on my credit as closed by Grantor, but again, I was promised on the phone that they would report as closed by customer. This should not consitute such a large hit to my credit report. I want XXXX XXXX XXXX  to honor what they promised, but I am thinkning that they did because XXXX has it reported as a loan that was paid in full. Since XXXX reported it as a paid loan, I believe this proves that Equifax intentionally reported this as a negative entry on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: Nelnet, Inc.
State: GA

Complaint narrative:
The loan being reported as closed on my XXXX report with 9 missed payments was reporting being serviced by dept of education XXXX on my XXXX credit report on the dates you report to have had my loan with nelnet. Please remove your account from my credit report completely due to inaccurate reporting pursuant to FCRA 15 US 1681 ( I ) section ( 5 ) ( a ) ( I ). I have uploaded my XXXX and XXXX credit report where the error reporting is made. If no changes are made I will pursue legal action against you and the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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 have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX and distress they are causing me.

Company response to consumer: Closed with non-monetary relief