vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I tried to open an account with JP Morgan Chase online, and was told I have a previous balance with them due to an overdrawn and closed account. The overdrawn account was as a result of a claim wrongfully handled by their claims department. The merchant cancelled the concert and refused to issue me a refund despite stating that refunds will be provided. I provided this information to JP Morgan Chases claims department, twice. Not only did they let the merchant get away with defrauding me for a concert I couldnt attend because they cancelled, the bank is still holding me liable for the overdrawn balance. They failed on their part to retrieve my funds from XXXX XXXX and now are refusing to open an account for me due to their own negligence. I provided them with proper documentation from the merchant stating refunds will be issued, but I never received a refund. I lost money on hotels and flights traveling to XXXX XXXX for this concert and the show was cancelled the day of the concert.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am filing this complaint against National Credit Systems ( XXXX ) for their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) regarding a debt they claim I owe for {$17000.00}, related to XXXX XXXX  XXXX Apartments. Despite my repeated disputes and requests for validation, XXXX has failed to properly validate this debt within the legally required XXXX period and continues to report it to all three credit bureaus ( XXXX, XXXX, and XXXX ) XXXX causing significant harm to my credit and financial well-being. 

On XX/XX/year>, I sent a formal request to XXXX for debt validation via certified mail. Under the FDCPA, they were required to provide sufficient documentation to verify the accuracy and legitimacy of the debt within XXXX  days. They did not respond to me directly within this timeframe. Instead, they submitted documents through the CFPB portal on [ date of their CFPB response ], which does not fulfill their legal obligation to respond directly to me, the consumer. 

The documents provided by XXXX in their response do not constitute proper validation. Specifically : There is no proof that the charges totaling {$17000.00} are legitimate, accurate, or owed by me. 

The documents fail to include key elements such as invoices, receipts, or evidence of damages that would support the claimed charges. 

XXXX continues to report this debt to the credit bureaus despite failing to properly validate it, which is a clear violation of the FDCPA and FCRA. 

Additionally, the amount of {$17000.00} appears inflated and unreasonable. The debt seems to include a full years rent and other charges that are neither explained nor justified. This raises further concerns about the legitimacy of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: OH

Complaint narrative:
I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NY

Complaint narrative:
I recently looked at my credit report after requesting reinvestigation and noticed several inaccuracies that are still present on my account. This account is hurting my ability to obtain credit. Its my understanding that you will in investigate these items to ensure maximum accuracy, here are the item I am asking you to verify as accurate. 

The Variance in reported balances, Date Opened, Account rating, Last Payment Date, Payment Status and Account Status across different credit bureaus highlights non-compliance with XXXX XXXX XXXX XXXX ( a ) XXXX report : XXXX XXXX XXXX - Account Number XXXX, High Balance : {$130.00}, Date Opened XX/XX/XXXX, Balance Owed : {$0.00}, Closed Date : XX/XX/XXXX, Payment Status : ( Paid/Closed ), Past Due Amount : XXXX, Credit Limit : {$100.00}, Account rating : Closed, Last Payment : XX/XX/XXXX XXXX report : XXXX XXXX XXXX  - Account Number XXXX, High Balance : {$130.00}, Date Opened XX/XX/XXXX, Balance Owed : {$0.00}, Closed Date : XX/XX/XXXX, Payment Status : ( Paid/Closed ), Past Due Amount : XXXX, Last Payment : XX/XX/XXXX, Credit Limit : {$100.00}, Account rating : Paid, XXXX report : XXXX XXXX XXXX XXXX Account Number XXXX, High Balance : {$130.00}, Date Opened XX/XX/XXXX, Balance Owed : {$0.00}, Closed Date : XX/XX/XXXX, Payment Status : ( Paid/Closed ), Past Due Amount : {$0.00}, Credit Limit : {$100.00}, Account rating : XXXX XXXX Last Payment : XX/XX/XXXX This account was Paid and Closed on XX/XX/XXXX since then the account has been repeatedly been updated in the payment history as Current when indeed that status is ( Paid/Closed ) The reported balance remains inaccurate post-sale of the account which is misleading and violates 15 USC 1681e ( b ) please investigate this matter and ensure maximum accuracy in my report if it can not be verified I Demand this account be deleted from my credit report. In addition I would like to have a New copy of my credit report mailed to my home address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: NY

Complaint narrative:
I recently looked at my credit report after requesting reinvestigation and noticed several inaccuracies that are still present on my account. This account is hurting my ability to obtain credit. Its my understanding that you will in investigate these items to ensure maximum accuracy, here are the item I am asking you to verify as accurate. 

The Variance in reported balances, Date Opened, Account rating, Last Payment Date, Payment Status and Account Status across different credit bureaus highlights non-compliance with XXXX XXXX XXXX XXXX ( a ) XXXX report : XXXX XXXX XXXX  - Account Number XXXX, High Balance : {$XXXX}, Date Opened XX/XX/XXXX, Balance Owed : {$XXXX}, Closed Date : XX/XX/XXXX, Payment Status : ( Paid/Closed ), Past Due Amount : XXXX, Credit Limit : {$XXXX}, Account rating : Closed, Last Payment : XX/XX/XXXX Experian report : XXXX XXXX XXXX - Account Number XXXX, High Balance : {$XXXX}, Date Opened XX/XX/XXXX, Balance Owed : {$XXXX}, Closed Date : XX/XX/XXXX, Payment Status : ( Paid/Closed ), Past Due Amount : XXXX, Last Payment : XX/XX/XXXX, Credit Limit : {$XXXX}, Account rating : Paid, XXXX report : XXXX XXXX XXXX  XXXX Account Number XXXX, High Balance : {$XXXX}, Date Opened XX/XX/XXXX, Balance Owed : {$XXXX}, Closed Date : XX/XX/XXXX, Payment Status : ( Paid/Closed ), Past Due Amount : {$XXXX}, Credit Limit : {$XXXX}, Account rating : XXXX XXXX Last Payment : XX/XX/XXXX This account was Paid and Closed on XX/XX/XXXX since then the account has been repeatedly been updated in the payment history as Current when indeed that status is ( Paid/Closed ) The reported balance remains inaccurate post-sale of the account which is misleading and violates 15 USC 1681e ( b ) please investigate this matter and ensure maximum accuracy in my report if it can not be verified I Demand this account be deleted from my credit report. In addition I would like to have a New copy of my credit report mailed to my home address.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have multiple XXXX  that has been added to my credit report that are not mine. I have sent a letter to the court asking why these XXXX  under my name and was informed they did not provide this information to you all. I believe this is for another person and I am requesting that you al remove this information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: MA

Complaint narrative:
I have notified your office multiple times about inaccurate accounts in pending litigation on my credit report, but I am still waiting for action.

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 2024-11-27 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: Self Financial Inc.
State: NY

Complaint narrative:
I recently looked at my credit report after requesting a reinvestigation and noticed several inaccuracies that are still present on my account. This account is hurting my ability to obtain credit. Its my understanding that you will in investigate these items to ensure maximum accuracy, here are the item I am asking you to verify as accurate. The Variance in reported balances, Date Opened, Account rating and Late Payment Date across different credit bureaus highlights non-compliance with 15 USC 1681 1 ( a ) This account was Paid and closed on XX/XX/XXXX since then the account has been repeatedly been updated in the payment history as Current when indeed that status is ( Paid, Closed ) The reported balance remains inaccurate post-sale of the account which is misleading and violates 15 USC 1681e ( b ) please investigate this matter and ensure maximum accuracy in my report if it can not be verified I Demand this account be deleted from my credit report. In addition I would like to have a XXXX copy of my credit report mailed to my home address. XXXX report : XXXX XXXX XXXX  - Account # XXXX X, High Balance : {$XXXX}, Date Opened XX/XX/XXXX, Balance Owed : {$XXXX}, Closed Date : Not Available, Payment Status : Current, Past Due Amount : {$XXXX}, Last Payment : XX/XX/XXXX, Credit Limit XXXX {$XXXX}, Account rating : Paid XXXX report : XXXX XXXX XXXX  - Account # XXXX XXXX, High Balance : {$XXXX}, Date Opened XX/XX/XXXX, Balance Owed : {$XXXX}, Closed Date : Not Available, Payment Status : Current, Past Due Amount : {$XXXXXXXX, Last Payment : XX/XX/XXXX, Credit Limit : {$XXXX} XXXX Account rating : Closed XXXX report : XXXX XXXX XXXX - Account # XXXX X, High Balance : {$XXXX}, Date Opened XX/XX/XXXX, Balance Owed : {$XXXX}, Closed Date : Not Available, Payment Status : Current, Past Due Amount : {$XXXX}, Last Payment : XX/XX/XXXX, Credit Limit : {$XXXX}, Account XXXX : Paid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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 am writing to bring to your attention an issue with the address listed on my credit report. According to the information provided in my credit file, there seems to be an error in the address associated with my account. 
The current address listed is incorrect and does not reflect my current residential address. I am writing to update my address to ensure that all future correspondence and communication regarding my credit report are sent to the correct address. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
[ XXXX XXXX XXXX ] Lvnv funding llc Re : Investigation Request for Inaccurate Credit Information Dear lvnv funding llc account number : XXXX I am writing to formally request an investigation into the accuracy of certain information on my credit report. After reviewing my credit file, I have identified discrepancies that I believe require your attention.

The details of the disputed information are as follows : 1. Account Name : Credit one bank 2. Account Number : XXXX XXXX. Nature of Dispute : Never had a account with this creditor, this cre d itor bought a debt I kindly request that you conduct a thorough investigation into the validity of this information. Specifically, I ask that you : 1. Verify the Accuracy : Confirm the accuracy of the reported data with the creditor.

Provide evidence supporting the validity of the information.

2. Correct Any Errors : If any inaccuracies are found, promptly update my credit report to reflect the correct details.

3. Provide Written Confirmation : Once the investigation is complete, send me written confirmation of the changes made to my credit report.

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute questionable information. I appreciate your attention to this matter and your commitment to maintaining accurate credit reporting.

Please respond within 30 days from the date of this letter. You can reach me at [ XXXX XXXX ] or [ XXXX ] if you require additional information. 
Thank you for your prompt attention to this request. I look forward to a positive

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Moreover, your compliance with the XXXX XXXX format and FCRA guidelines appears to be nothing more than an empty promise. My rights to have my credit report reflect nothing but accuracy have been recklessly disregarded. I am protected by 15 U.S.C. 1681, and yet, this safeguard has crumbled under the weight of your errors.

Let me be clear : I am demanding an immediate and thorough investigation into these accounts. Correct the inaccuracies on my credit report, remove the false information, and provide me with written confirmation that you have done so. I will accept no less than full compliance with the law, and I remind you that the FCRA mandates a timely resolution. Should you fail to uphold your responsibilities, I will not hesitate to pursue legal action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). Your disregard for the truth has left a stain upon my financial identity, but rest assured, I will not allow this injustice to stand. I will not be silent in the face of this violation. You have 15 days from the date of this letter to correct these wrongs and restore my rightful credit standing. 
I look forward to your swift and just resolution of this matter. 
Also any address that is not XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  remove it for the address i provided is the only place I have lived within the last XXXX years remove the INQUIRES THAT WILL BE ATTACHED TO FTC REPORT BELOW

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 2024-11-27 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: NY

Complaint narrative:
I am writing to request the blocking and deletion of fraudulent accounts and inquiries listed on my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, I suspect these accounts and inquiries were made without my consent or knowledge. 
Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$XXXX} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$XXXX} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$XXXX} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$XXXX} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$XXXX} Inquiries to Be Removed : 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 2024-11-27 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXXXX/XX/XXXX Dear Experian : I pulled my credit report and noticed that there are items that are not right. 

I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, please remove it. 

Inquiry from XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, please remove it. 

Inquiry from XXXX XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX This inquiry was not authorized ; please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Respectfully, XXXX XXXX XXXX : 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 explanation
Consumer complaint received 2024-11-27 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: GA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXXXXXX XXXX XXXXXXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The credit bureau XXXX XXXX credit score XXXX times a month. This action has resulted in a very low credit score and has caused my credit cards to close the accounts on me because of my constant change in credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
A hard inquiry from Truist bank was put on my credit report on XX/XX/year>. A credit card was opened in my name on XX/XX/year> and sent out. Whoever applied for this account received the card in the mail but couldn't veirfy identity so the card was locked. This account needs to be further investigated and how does someone open an account without showing proper identity?!

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