vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-19 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: FL

Complaint narrative:
I am disputing account listed under the name XXXX XXXX XXXX on my consumer reports. This dispute pertains to an account which I have no knowledge of, nor have I ever held a card or any form of credit with this entity. My prior disputes with XXXX, XXXX, and Experian have failed to resolve this matter, and I am now seeking your assistance under relevant consumer protection laws. 
I have no knowledge of any account with XXXX XXXXXXXX XXXX and have never applied for or used any such credit. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. I have repeatedly requested verification of this account, including a signed contract or application, and have received no such evidence. The absence of any verification documentation strongly suggests that this account is erroneous and should be deleted immediately. 

Under the FCRA, 15 U.S.C. 1681i ( a ) ( 6 ), the consumer reporting agencies are obligated to provide the results of its reinvestigation within 30 days. Despite my multiple requests, all 3 has failed to provide detailed results of their reinvestigation process or any documentation supporting the legitimacy of this account. This non-compliance is a violation of federal law and further substantiates my claim that the account is not valid. The account in question is reported as charged off since 2018. According to the Truth in Lending Act ( TILA ), specifically under 15 U.S.C. 1666i, charged-off accounts shou
ld not continue to report new late payments on a monthly basis. The continuous reporting of late payments on a charged-off account is incorrect and misleading, thus violating my consumer rights. 

As a victim of the XXXX data breach, my personal information has been compromised, placing me at heightened risk for identity theft and fraudulent activity. This breach underscores the necessity for XXXX and also Experian and XXXX to handle my dispute with utmost diligence and accuracy. 
Given these violations and the impact on my creditworthiness, I demand the immediate deletion of the disputed JPMCB Card Services account from my XXXX, Experian, and XXXX consumer report. I also request a comprehensive report detailing the procedures followed during the reinvestigations, as mandated by the FCRA. 
I expect a thorough and timely response, with evidence supporting any information that XXXX, Experian, and XXXX intends to retain on my report. Failure to rectify this issue promptly will leave me with no choice but to escalate the matter through legal avenues and regulatory complaints.

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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 explanation
Consumer complaint received 2024-06-19 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: FL

Complaint narrative:
I recently reviewed with my credit report and noticed an account that was not reported accurately I had one XXXX  day late payment on an account that was in fact paid on time but consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments. I've attached my credit report to this complaint on these date ( XXXX  2022 ). I'm now requesting you investigate this account and update this late payment to be paid on time immediately thank you for your understanding and prompt 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 2024-06-19 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: GA

Complaint narrative:
After reviewing my credit report I discovered several items that do not belong to my person and I do not recognize. I have submitted disputes about these items recently to no avail. The addresses attached to the report are not mine and have never been.

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 2024-06-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity bank started me on a hardship program, where they gave me the false information that my account would be paid off by the end of the program. It was not, but I paid it off anyways. Due to inactivity, one month later my account was closed. During the hardship program, I was unable to use my card, so because of one month with no use they closed my account! That affects my credit history! I was not given any notice, and when I spoke to customer service, they said that the credit card company could close my account at whatever time for whatever reason. He then said that he had to end the call because he couldnt help me and he had other people waiting. This was a supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: State Finance Company
State: TX

Complaint narrative:
Was told this tradeline was deleted. I still see it reporting to 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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED 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
Consumer complaint received 2024-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC

Complaint narrative:
Hello, I am about to turn XXXX this year. I have health problems due to XXXX, which XXXX my mother in law and that is how I got behind. My daughter also just passed away recently. 

The reason I am writing this letter is because my mortgage company will not stop asking for the same documents over and over again. This is a huge burden as I have to wait for a ride to the library to fax documents over and over. 

I just want to make my payments again and stay in my home. Even with the death of my daughter I am able to make my payments again, I just need help to become current so I can make the payments. I also have my grandson living with me helping pay - I have sent in his paystubs and his information numerous times as well. 

Please help me as you can see I have done everything you have asked I am going around in circles and just want this to be resolved. 

Any help you can provide will be greatly appreciated. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I was just wanting the debt to disappear. I am in desperate times and I am not doing well in terms of being XXXX. I can no longer work and need this debt to be cleared off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: DISCOVER BANK
State: CT

Complaint narrative:
This is a long standing dispute over a checking account whereby Discover Financial Services/Discover Bank allowed another person to use my account. There are a number of problems with the investigation but that is not the specific subject of this complaint. I have filed a grievance against the General Counsel for Discover, XXXX XXXX, and in asking for more information ( which Attorney XXXX directed her people not to provide ), Discover Bank sent me a letter stating that they will continue to report my checking account to XXXX after the statutory deadline, which is five years, which means that this debt can not be reported after XX/XX/year>. This is a violation of the Fair Debt Collections Practices Act and is also unethical. A copy of the letter is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: FL

Complaint narrative:
I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 ) ( 1 ) 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: VA

Complaint narrative:
I have recently reviewed my consumer report and found fraudulent accounts that I did not initiate, open, or authorize anyone to open these accounts on my behalf, which are a result of identity theft. FRAUDULENT ACCOUNT NAME- XXXX  XXXX ACCOUNT NUMBER- XXXX, DATE OPENED- XXXX, REPORTED BALANCE- {$0.00}. FRAUDULENT ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX, DATEOPENED- XXXX, REPORTED BALANCE- {$330.00}. FRAUDULENT ACCOUNT NAME- XXXX XXXX, ACCOUNT NUMBER- XXXX, DATEOPENED- XXXX, REPORTED BALANCE- {$120.00}. FRAUDULENT ACCOUNT NAME- XXXX, ACCOUNT NUMBER- XXXX, DATE XXXX, REPORTED BALANCE- {$0.00}. FRAUDULENT ACCOUNT NAME- XXXX, ACCOUNT NUMBER- XXXX, DATE OPENED- XXXX, REPORTED BALANCE- {$0.00}. FRAUDULENT ACCOUNT NAME- XXXX XXXX XXXX XXXX ACCOUNT NUMBER-XXXX, DATE OPENED- XXXX, REPORTED BALANCE- {$2800.00}. FRAUDULENT ACCOUNT NAME- XXXX  XXXX ACCOUNTNUMBER- XXXX, DATE OPENED- XXXX, REPORTED BALANCE- {$20000.00}. FRAUDULENT ACCOUNT NAME- XXXX  XXXX ACCOUNT NUMBER- XXXX, DATE OPENED- XXXX, REPORTED BALANCE- {$570.00}. I hereby affirm that I have no knowledge of these accounts, nor have I ever authorized anyone to open any accounts in my name or on my behalf. The presence of these fraudulent entries on my credit report is not only incorrect but is also damaging my creditworthiness and causing me undue stress and financial harm.

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 2024-06-19 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: TX

Complaint narrative:
Was told this tradeline was deleted. I still see it reporting to Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: GA

Complaint narrative:
We purchased multiple {$500.00} XXXX XXXX cards on XX/XX/XXXX. The information for one of them was stolen, and the funds taken. It appears that somehow, someone got the card number, called the company and had a new card send to their address. The company has confirmed that they can see the name and address of the person who requested the replacement card and it is not us. We contacted the customer service line to file a dispute for the first time on XX/XX/XXXX. We were given an email address to send a photo of the compromised card, the card we used to purchase it, a copy of the receipt, and my drivers license. Since then, I have contacted the company on three other occasions. Each time, I've been told an email was sent to me ( it never was - I have checked all email inboxes, to include spam ). I have been asked to send the same information to three different email addresses. I have also requested that they resend the dispute form via email and never receive it, even after verifying my information with them. At this point, I believe I have been scammed by this company. I am extremely concerned that not only have I given them photos of personal information, but also that I won't be refunded the {$500.00}. I am happy to send the individual email addresses I have been asked to send my information to. The dates I've emailed and contacted them by phone are : XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2024-06-19 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: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: IN

Complaint narrative:
Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.

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 2024-06-19 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation