vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-20 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: OH

Complaint narrative:
Formal Dispute Request for Removal of Incorrect Addresses, Names, and Employers I am writing to formally dispute incorrect information on my credit report related to my addresses, names, and employers. I have previously submitted disputes to correct this information, but my requests were ignored, and no action has been taken. As a result of your inaction, I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to address your failure to comply with the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, you are required to ensure the accuracy of the information you report. The following inaccuracies must be corrected immediately : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Incorrect Employers : XXXX XXXX FCRA Violations and My Rights According to Section 611 of the FCRA, you are required to investigate and resolve disputes within 30 days of receiving notice. If the information can not be verified, it must be corrected or deleted from my report promptly. Your failure to act on my previous disputes is a violation of this federal requirement.

Additionally, Section 607 ( b ) of the FCRA mandates that you maintain reasonable procedures to ensure maximum possible accuracy. The presence of inaccurate addresses, names, and employers reflects a breach of this duty.

Demand for Immediate Action and Penalties I demand that you : Immediately remove all incorrect addresses, names, and employers from my credit report.

Provide written confirmation of these corrections.

Ensure future inaccuracies are promptly addressed and corrected.

Apply all applicable penalties under the FCRA for failing to address these disputes properly and in a timely manner.

If the requested changes are not made within 14 days, I will pursue legal action for non-compliance and further escalate my complaint with the CFPB.

Thank you for your attention to this urgent matter. I expect written confirmation of the corrections within the specified timeframe. 
I only have one Correct Address : XXXX XXXX XXXX XXXX XXXX, ohio, XXXX I only have one Correct Spelling of my name when applying for Credit i dont use my middle name : XXXX XXXX I Only have one correct employer : XXXX XXXX XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: OH

Complaint narrative:
Formal Dispute Request for Removal of Incorrect Addresses, Names, and Employers I am writing to formally dispute incorrect information on my credit report related to my addresses, names, and employers. I have previously submitted disputes to correct this information, but my requests were ignored, and no action has been taken. As a result of your inaction, I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to address your failure to comply with the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, you are required to ensure the accuracy of the information you report. The following inaccuracies must be corrected immediately : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Incorrect Employers : XXXX XXXX FCRA Violations and My Rights According to Section 611 of the FCRA, you are required to investigate and resolve disputes within 30 days of receiving notice. If the information can not be verified, it must be corrected or deleted from my report promptly. Your failure to act on my previous disputes is a violation of this federal requirement.

Additionally, Section 607 ( b ) of the FCRA mandates that you maintain reasonable procedures to ensure maximum possible accuracy. The presence of inaccurate addresses, names, and employers reflects a breach of this duty.

Demand for Immediate Action and Penalties I demand that you : Immediately remove all incorrect addresses, names, and employers from my credit report.

Provide written confirmation of these corrections.

Ensure future inaccuracies are promptly addressed and corrected.

Apply all applicable penalties under the FCRA for failing to address these disputes properly and in a timely manner.

If the requested changes are not made within 14 days, I will pursue legal action for non-compliance and further escalate my complaint with the CFPB.

Thank you for your attention to this urgent matter. I expect written confirmation of the corrections within the specified timeframe.

I only have one Correct Address : XXXX XXXX XXXX XXXX XXXX, ohio, XXXX I only have one Correct Spelling of my name when applying for Credit i dont use my middle name : XXXX XXXX I Only have one correct employer : XXXX XXXX XXXX Sincerely, 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 2024-10-20 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:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX  Account number - XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I hope this message finds you well. I am writing to formally request the removal of an old account from my credit report that is over seven years old. According to the Fair Credit Reporting Act, accounts that are more than seven years old should no longer be included in credit reports. The account in question is is XXXX XXXX XXXX, which was opened on [ Date ] and has been inactive since XXXX. I kindly ask that you investigate this matter and remove the account from my credit file at your earliest convenience. Thank you for your attention to this issue.

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I hope this message finds you well. I am writing to formally request the removal of an old account from my credit report that is over seven years old. According to the Fair Credit Reporting Act, accounts that are more than seven years old should no longer be included in credit reports. The account in question is is XXXX XXXX XXXX, which was opened on [ Date ] and has been inactive since XXXX. I kindly ask that you investigate this matter and remove the account from my credit file at your earliest convenience. Thank you for your attention to this issue.

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 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
I noticed an unauthorized inquiry in my credit report from JPMCB CARD SERVICES. According to the FCRA, these unverified and unauthorized items must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XX/XX/XXXX certified mail to verify debt belonged to me was sent there was no response. Portfolio Recovery Associates showed up as a collection on my credit report XX/XX/XXXX which I then requested debt verification through both XXXX and XXXX, the results came back the consumer disagrees. On XX/XX/XXXX I requested debt verification and provided proof that Portfolio Associates was not legally allowed to collect any debt in Pennsylvania, again the response was, they disagree even after providing proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX Account number - XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : National Credit Adjusters , LLC Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : # XXXX Your name : XXXX XXXX Your address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear : National Credit Adjusters , LLC I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this account. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On both XX/XX/year> and XX/XX/year>, my XXXX XXXX card was charged {$24.00} by XXXX ( XXXX Experian ). The charged indicated it was a membership fee. I do not have and have never signed up for an Experian membership. I disputed the charge, but XXXX XXXX denied the dispute, stating it was a valid fee. When this did not work, I attempted to sign in to my Experian account and was not able to do so. My password was not recognized, I was unable to reset my password and I was directed to call the company. When I called the number provided, I was not able to reach a person. The system took me in circles and redirected me back to the webpage. Finally, I found a number that connected me to an agent. This person checked my accounts and confirmed that I have no memberships active. They opened a case, which remains open and unresolved. I have called back to check on it multiple times, and no movement has happened. 
The recurrence of the charges in XXXX confirmed that this is part of a membership and XXXX company has ignored my case and request to cancel.

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 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Self Financial Inc.
State: LA

Complaint narrative:
1.Self Credit Card My card was charged by XXXX fraudulently on these dates as follow : 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 Seff denied dispute claiming I used this company in the past. I requested to for further details because I have never ordered from these companies in the past. Also, I shared with Self that XXXX XXXX is requesting a call from them in order to refund my money. 

XXXX. XXXX charged my card I won the dispute in XXXX ; Self refunded my {$64.00}. I cancelled my card and stop payment was made according to Self. Afterwards, Self allowed them to continue to charge my card as follows : XXXX {$64.00} XXXX no charge from XXXX ( new card issued in XXXX & stop pymt per Self ) XXXX XXXX {$64.00} XX/XX/XXXX {$64.00} On XX/XX/year> All above charges were reversed and my account was credited. 
On XX/XX/year> Self claimed they did an investigation and all charges were valid. 
When I asked what type of investigation was done in two days and requested a written detailed statement of each charge. I was given a vague reason that I used the companies in the past. Detailed information was denied by Self.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
On XX/XX/year>. XXXX XXXX XXXX XXXX # XXXX is suing me for a debt that I do not owe. XXXX XXXX indicated I requested a credit card, which I did not requested. XXXX XXXX stated that I have a contract and agreement, which were none sense. XXXX XXXX has violating multiple United Stated Code ( U.S.C ) under Consumer Credit Protection Act 15 U.S.C chapter 41 subchapter V section 1692 thru section 1692n. Furthermore, XXXX XXXX also has violating Federal Code of Regulation ( CFR ) Title 12 Chapter X ( Consumer Financial Protection Bureau ) part 1006 subpart B ( Rules for FDCPA Debt Collectors ) 1006.6 thru 1006.42. XXXX XXXX also has violating State of Minnesota Constitution ARTICLE VI JUDICIARY - " Sec. 4. Judicial districts ; district judges.The number and boundaries of judicial districts shall be established in the manner provided by law but the office of a district judge shall not be abolished during his term. There shall be two or more district judges in each district. Each judge of the district court in any district shall be a resident of that district at the time of his selection and during his continuance in office. XXXX XXXX willfully and purposefully bringing lawsuits to a wrong jurisdiction after had been notified that I have never resided in XXXX nor XXXX Counties. XXXX XXXX is intelligently and criminally switching difference counties in with communication to confusing me in correspondence with the purpose of obtain a default judgement. In fact, XXXX XXXX has shown intentional, and willful in code ( XXXX ) breaking, and disrespecting of due process of law and equal protection under law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
I am writing to dispute a fraudulent account that is being reported by THE CBE GROUP for XXXX XXXX  on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that THE CBE GROUP for XXXX XXXX cease reporting this account and remove it from my credit report as soon as possible. 

I REPORTED TO XXXX XXXX  THAT THIS WAS INDEED IDENTITY THEFT. THAT IS ILLEGAL AND BAD BUSINESS FOR THEM TO THEN GO AND SELL THAT ACCOUNT TO YOU, CBE GROUP TO COLLECT ON- THAT COULD RESULT IN A POTENTIAL LAWSUIT, THAT COULD TURN INTO A CLASS ACTION LAWSUIT I am currently taking steps to protect myself by completing the identity theft report and a police report. Please provide confirmation that this account will be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602a states - " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 The financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent whether it be verbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information.

Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

The following accounts are in violation of my consumer rights and shall be REMOVED IMMEDIATELY! 

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  The following accounts are in violation of my consumer rights and shall be REMOVED 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 non-monetary relief