vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 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: NY

Complaint narrative:
I was completely shocked to see inaccurate accounts appear on my credit report this morning, and I have no idea how this happened. I check my credit report regularly, but this time, there were unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the incorrect accounts remained. Because of this, I urgently request that the documents Ive submitted be reviewed thoroughly so I can finally have peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: NY

Complaint narrative:
I was shocked to discover that inaccurate accounts appeared on my credit report this morning, and Im baffled as to how this could happen. I check my credit report regularly, but this time, discrepancies appeared out of nowhere. I even refreshed my browser to see if it was just a glitch, but the inaccurate accounts remained. This issue has left me very concerned, and I am requesting a thorough review of the documents Ive submitted so that I wont have to worry about this happening again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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 was absolutely stunned to find inaccurate accounts on my credit report this morning, and I have no idea how this could have occurred. I check my credit report regularly, and this time, I noticed discrepancies that seemed to appear out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but the incorrect accounts didnt disappear. This issue has really shaken me, and Im asking for a thorough review of the documents Ive sent so I can finally stop worrying about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: UT

Complaint narrative:
On XX/XX/XXXX I disputed charges of my stolen card and they sent me a letter saying the charges were made with information provided by me when that is not the case. I need my dispute to be opened again and seen better to provide me with a better solution as these charges were not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I posted on XXXX ( now known as " XXXX  '' ) that I was looking for XXXX XXXX concert tickets and an account with the username of XXXX XXXXXXXX direct messaged me that she had tickets to sell. She showed me a screen recording of the tickets to prove that she had them and told me they were {$160.00}. I sent her a zelle payment ( zelled to XXXX XXXX XXXX ) of {$160.00} Friday XXXX and she showed me that she 'sent ' the ticket to my XXXX  XXXX account ( so I could accept the tickets ) but it never showed up. She then said there was a 'transfer fee ' of {$100.00} which I zelle 'd as well ( so I sent her a total of {$260.00} at this point ) and it was emailed to my XXXX account, but I still had no ticket in my XXXX  account. I then asked her to just give my money back and she told me her uncle would email me a check for {$450.00}, " {$260.00} for your money back and {$190.00} for the trouble ''. I told her that I did not need extra money, just my {$260.00} back. Then the 'uncle ' emailed me a {$800.00} check and she told me he sent it to me so I can send it to her for her 'upkeep ' and I told her I was uncomfortable getting this much money from someone I don't know and she asked if I could deposit it and send it to her. I wanted to get over the situation so I deposited the checks to my account and once they were cleared, I sent her money and kept my {$260.00}. Both checks were deposited online on Monday XX/XX/XXXX : XXXX for {$450.00} and another for {$800.00}. She then told me to zelle her boyfriend the {$500.00} that was immediately available after the online deposit, zelled to XXXX XXXX XXXX. As the checks were pending, I called XXXX twice on Monday XX/XX/XXXX and spoke to XXXX different representatives to ask them if they can look into the checks and verify that they were real. I was told that they were real and money has been credited into my account. On Tuesday XX/XX/XXXX, the total amount was credited so I sent her the rest of the money via zelle to XXXX XXXX XXXX. On Thursday XX/XX/XXXX my account showed that the checks were altered/fictitious so I called XXXX again and was able to speak to the claims department to report the scam. I also called Zelle and spoke to a representative who was able to document my case and said they will look into it. In total, I have lost {$1500.00} and am seeking help to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: NJ

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$4000.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XXXX  XX/XX/year> XXXX XX/XX/year> XXXX  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 non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Law 15 U.S.C 1692C On XX/XX/year> Midland credit management reported to my credit report for XXXX accounts that I do not have ownership of that I have collections. I have contacted them several times to cease communicating with me, the company still sends letters and emails to my home. As well as reporting to my credit reports I have a collection with them. {$2300.00}, {$1000.00}, {$460.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: NY

Complaint narrative:
I looked at my report on XX/XX/year>, and noticed the information is incomplete and not accurate. According to 15 USC 168 ( e ) b violation, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts [ XXXX & XXXX ], [ XXXX XXXX & XXXX ], [ XXXX & XXXX ], [ XXXX XXXX & XXXX ], [ XXXX & XXXX ] [ XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, last reported date is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate. 

[ XXXX  XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, last reported date is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate. 

[ XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate. 

[ XXXX XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, last reported date is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate. 

[ XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, last reported date is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed 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 explanation
Consumer complaint received 2024-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed 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 2024-08-16 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: PA

Complaint narrative:
I reviewed my XXXX XXXX Experian credit report dated XX/XX/XXXX, and identified several inaccuracies that require rectification. This letter serves as a formal dispute under the Fair Credit Reporting Act, specifically 15 USC 1681 ( e ) ( b ). 
Consumer Information Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Correct Address : XXXX XXXX XXXX, XXXX, PA XXXX Accounts to be Disputed : XXXX XXXX, XXXX Account Number : XXXX Account Status : Charge Off Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX Type : Charge Account Reason for Dispute : This account is inaccurately reported as a charge-off and should be removed. 
XXXX XXXX XXXX  Account Number : XXXX Account Status : Closed Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX Type : Secured Responsibility : Individual Reason for Dispute : This account is inaccurately reported as closed and should be removed. 
XXXX  Account Number : XXXX Account Status : Closed Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX Type : Check Credit or Line of Credit Responsibility : Individual Reason for Dispute : This account is inaccurately reported as closed and should be removed. 
Address Correction Please remove the following incorrect address from my credit report : Address to Remove : XXXX XXXX XXXX, XXXX XXXX, PA, XXXX & XXXX XXXX XXXX, XXXX XXXX, PA, XXXX Please update my address to : Correct Name & Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: NJ

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$4000.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: NJ

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$4000.00} XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX  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 2024-08-16 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: PA

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: NY

Complaint narrative:
My account with XXXX XXXX, XXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 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 may 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 XXXX, XXXX, XXXX, AND 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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My account with XXXX XXXX, XXXX, XXXX, AND 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 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 may 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 XXXX, XXXX, XXXX, AND 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 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