vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 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: I.C. System, Inc.
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri identity theft laws, specifically Missouri Revised Statutes Chapter 570, Section 570.223.

It has unequivocally come to my attention that ( company name ) has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 570.223 of the Missouri Revised Statutes, underscores the severity of unauthorized access and misuse of personal information. This statute addresses identity theft and fraud, making it clear that unauthorized use of someone's personal information is illegal and subject to severe penalties. 

I assert with unwavering certainty that I have not provided consent for ( company name ) to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that ( company name ) immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Section 570.223 of the Missouri Revised Statutes. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ( company name ) will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

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 2024-05-29 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: NC

Complaint narrative:
When checking my credit report I have noticed that XXXX XXXX  is reporting a debt that does not belong to me and could not be validated and verified, I disputed this debt on XX/XX/year>, XX/XX/year> XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year> and XXXX XXXX  has not validated this debt, i requested signed documents bearing my wet ink signature, after repeated request for over XXXX months XXXX XXXX has not provided me any type of validation, they have not provided me with any type of documents that shows i agreed to pay this debt, i did not sign any agreement or documents with XXXX XXXX or the company that they are collecting for. I disputed this debt with Equifax on XX/XX/year>, XX/XX/year> XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year> and Equifax has failed to validate this Debt and continues to knowingly violated FCRA. Equifax gives me know options on their website to re dispute this debt as not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
Despite my numerous attempts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. These items have profoundly impacted my life, causing significant stress and anxiety. It is important to reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.

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 2024-05-29 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: FL

Complaint narrative:
Despite my numerous attempts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. These items have profoundly impacted my life, causing significant stress and anxiety. It is important to reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.

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 2024-05-29 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: LA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Kindly eliminate this erroneous entry from my credit report. I did not authorize or acknowledge this account. The supporting documents validating my claim are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: MI

Complaint narrative:
The debt collector in question has been involved in prohibited practices outlined by the FDCPA, which include abusive, deceptive, and unfair actions. They provided information about an account I never agreed to or signed any agreement for. A legal contract requires the participation of both parties, but I was not involved. Furthermore, they failed to adhere to the proper five-step validation procedure, which constitutes unfair practices. As stated by the FDCPA, I am entitled to compensation of {$1000.00} per violation, and their actions have evidently violated my rights. Also, XXXX XXXX has the debt, not the 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 2024-05-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri identity theft laws, specifically Missouri Revised Statutes Chapter 570, Section 570.223. 

It has unequivocally come to my attention that ( company name ) has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 570.223 of the Missouri Revised Statutes, underscores the severity of unauthorized access and misuse of personal information. This statute addresses identity theft and fraud, making it clear that unauthorized use of someone's personal information is illegal and subject to severe penalties. 

I assert with unwavering certainty that I have not provided consent for ( company name ) to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that ( company name ) immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Section 570.223 of the Missouri Revised Statutes. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ( company name ) will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: Westlake Services, LLC
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri identity theft laws, specifically Missouri Revised Statutes Chapter 570, Section 570.223.

It has unequivocally come to my attention that ( company name ) has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 570.223 of the Missouri Revised Statutes, underscores the severity of unauthorized access and misuse of personal information. This statute addresses identity theft and fraud, making it clear that unauthorized use of someone's personal information is illegal and subject to severe penalties. 

I assert with unwavering certainty that I have not provided consent for ( company name ) to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that ( company name ) immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Section 570.223 of the Missouri Revised Statutes. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ( company name ) will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am 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 XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
My XXXX had a Elan credit card. I am not sure why. she is elderly and is now in the XXXXXXXX XXXX and all her social security goes for her care. I was appointed her Power of Attorney back in 2022 and took over her financial affairs last year. I called Elan to have them close the account out. She has no balance, she has no income to pay and Elan charges a {$99.00} annual fee. My mom has always had excellent credit, I am guessing rarely used the card and I am not sure why she agreed to this or why their is an annual fee on a consumer card. 

The Company told me I needed to fax in her Power of Attorney with a request to close the account. I did that. in XXXX I received a letter stating Elan would need my personal social security number and date of birth to add me to the account. I spoke to my Attorney, there is no reason why I need to be added to the account. I am legally working on my Mom 's behalf. My request was clear. Please close the Account. My Mother has no ability to pay. 

The Company recently sent my Mom an invoice again for her {$99.00} annual fee. Its like you can't close the account because the Company won't be able to collect this fee each year from her. She is XXXX. And again in a XXXXXXXX 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 2024-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: MO

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: NV

Complaint narrative:
XXXXl XXXX account XXXX is not mine and has been filed under Identity theft with appropriate authority. Violation under FCRA 605 ( b ). 

I demand account removed to prevent further Identity theft of personal information.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
On or around XX/XX/XXXX, I carefully reviewed my ChexSystems Report and disputed inaccurate information, specifically regarding a XXXX XXXX XXXX  account that was closed on XX/XX/XXXX, and charged off for {$210.00}. 

On XX/XX/XXXX, ChexSystems sent me the results of their " reinvestigation. '' Upon reviewing these results, it is evident that a proper reinvestigation was not conducted in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). Additionally, ChexSystems did not provide the documents I requested. Instead, they verified the information as accurate by sending me a driver 's license and what appears to be an outdated application from XXXX XXXX XXXX  dated XX/XX/XXXX, which I have no knowledge of, accompanied by an expired driver 's license. 

As a result of this ongoing issue, I was informed by a XXXX XXXX representative that my application to open a brokerage/checking account with XXXX XXXX was denied due to the negative information being reported on my ChexSystems report 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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Date Opened : XX/XX/year> High Credit {$220.00} Last Reported XX/XX/year> According to the FCRA Section 605B, It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

I have also noticed that this collection account does not match up with my XXXX and XXXX account. Therefore, You are in violation in reporting inaccuracy on my Equifax credit report. I have attached a screenshot below of your inaccuracy reporting on my Equifax report. Please remove this Collection listed as Original Creditor : XXXX XXXX with the account number, XXXX from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: WI

Complaint narrative:
XX/XX/year> theres an inquiry from XXXX XXXX XXXX. I did not make this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I am filing a complaint against Capital One regarding the denial of my dispute claim for a transaction with the merchant XXXX XXXX ( Case Number : XXXX ). The merchant claimed that the goods were as described and received in good condition, but this is incorrect. The property was filthy, with old dog XXXX, trash like XXXX  ice tea cans and XXXX cups, and a moldy shower with leaks. The yard was littered with garbage from previous tenants. Additionally, during our stay, an XXXX XXXX XXXX XXXX  entered the basement without notice, leaving the door open and unlocked, creating a security risk. After our stay, the owner falsely accused us of causing damage and attempted to charge extra fees for my service animalR despite the property already having pre-existing wear and damage. I request that the CFPB review my case and assist in resolving this matter with a full refund due to the unacceptable conditions and negative experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-29 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: CITIBANK, N.A.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. This rating has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2024-05-29 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: NV

Complaint narrative:
XXXX  XXXX XXXX DATE OPENED XX/XX/year> is not mine and has been filed under Identity theft with appropriate authority. Violation under FCRA 605 ( b ).

I demand account removed to prevent further Identity theft of personal information.

Company response to consumer: Closed with non-monetary relief