vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-19 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: MS

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2024-03-19 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: NY

Complaint narrative:
Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
I have incurred a collection from XXXX XXXX that has negatively impacted my credit. The account collection was turned over to Jefferson Capital Systems. My credit report states that this account was opened XX/XX/2020 and the amount owed is {$1300.00}. I have never owned an account with XXXX XXXX and have no knowledge of this account. I have disputed this fraudulent account more than once with each credit bureau to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: MS

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from 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 explanation
Consumer complaint received 2024-03-19 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: MS

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from 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 explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
I received emails from CBE group for a 2022 account from XXXX XXXX XXXX I had an account that was a group billing from my HOA. I paid the HOA for the majority and had a small monthly fee for an extra TV box. On Friday XX/XX/2022, from Tracking XXXX, I packaged up the TV box & modem and returned it to them. I refused any router service at the initial install as I have my own multi thousand enterprise routing system in my house. I packaged this all and sent to them upon the HOA terminating the contract with XXXX and moving to XXXX. Now years later I get this invalid bill. I call XXXX to tell them I dispute this bill and there is no balance. In fact I have the FedEx tracker. They didn't have any more information about this invalid bill. They continued to press for updated contact information and said I'd have to mail them proof I don't have a debt. It's quite the opposite. I advised them I'd go ahead and send the copy to the CFPB, but I would not be mailing any " proof '' to a third party for an invalid debt. I've advised them already there is no debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: ID

Complaint narrative:
I want to remind you once again that you must immediately remove any unproven claims listed above or below from your reporting. In order for you, as the provider of alleged data, to have the conditional privilege to report, you must meet at least the minimum criteria. I do not accept the reportability of any claims that you can not prove with undeniable facts, even those that comply with the necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by CDIA in their CRRG, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data.

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 2024-03-19 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: TN

Complaint narrative:
I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: MI

Complaint narrative:
I recently reviewed my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
My accounts were frozen/restricted without cause as retribution for someone I live with having their account frozen ( his wife 's account was also frozen ). There is supposed to be {$0.00} bonus for logging in for 7 day and credit score increases and neither my roommate, nor his wife had their rewards reinstated when they reported SoFi to CFPB and their accounts were reinstated. I'd like those reinstated too.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
I have received an email aswell as a letter via mail from Jefferson Capital Systems LLC. 
I have requested information that I have not received. Instead of providing me with all documentation that is needed to confirm such information. Jefferson capital system has violated my rights to consumer privacy pursuant to 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: PA

Complaint narrative:
Compliance with FCRA XXXX necessitates the removal of any erroneous accounts from my credit report. Could you kindly review the documents? Certain listed accounts exhibit inaccuracies in their reporting.

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 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Consistently, I've made sure payments on this account are timely, preventing any overdue occurrences. I'm uncertain why there are reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I talk to the property multiple times maybe 2-3 times to understand why I still owed something If I paid my last rent payment and the apartment wad left perfect, property states I am paying water and because I return the key a day before than I was supposed to so I had to pay a total of {$210.00} and they were supposed to create a case to correct the amount but never did and so they sent me to collections without me even knowing. contacted the collections agency and they are giving me all the incorrect information stating that I owe that money because I gave them the notice to vacate TOO EARLY and that is why the other fees and contacted the property back and they dont have a charge for that it doesnt exist ir work like that and they keep telling me they credited my account to {$210.00} instead of {$310.00} but the debt collector doesnt contact them and just gives me wrong information everytime I call them, they interrupt me dont let me explain and also leave me on hold for XXXX minutes for me to hang up Ive also been hang up on many times just to not fix my issue I wsnt to pay the {$210.00} which is the correct amount and they just threaten that they will report to the credit bureau soon. There are charges for XXXX when I moved out on XXXX just fishy stuff

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 2024-03-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
INSURANCE SENT DOCUMENTATION THAT THE PROVIDER HAD PREVIOUSLY BILLED INSURANCE AND FUNDS WERE WAITING COLLECTION, THE XXXX FACILITY NEVER SENT BILLS TO THE ADDRESS WHERE I HAVE LIVED FOR 25 YEARS. I NEVER RECEIVED AN EOB FROM INSURANCE. BILL IN XXXX WAS NEVER SENT TO SECONDARY INSURANCE. THERE WE NO COMMUNICATION ABOUT PAYMENT ISSUES EVEN THOUGH I WAS IN FOR TREATMENT 5 TIMES IN 5 MONTHS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: VA

Complaint narrative:
Mohela has reported inaccurate information on my credit report showing my accounts payments are late in which is not true at all and Im very upset because their error caused my credit score to go down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TN

Complaint narrative:
I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase 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 non-monetary relief
Consumer complaint received 2024-03-19 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:
i am a victim of identity theft someone has used my personal information to obtain goods and services using my personal information.i have sent in all supporting documents to support my cliam on these matters to all three credit reporting agentcies and the fraudulent accounts came back as verfied and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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:
i am a victim of identity theft someone has used my personal information to obtain goods and services using my personal information.i have sent in all supporting documents to support my cliam on these matters to all three credit reporting agentcies and the fraudulent accounts came back as verfied and 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 2024-03-19 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: TN

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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 2024-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I have requested by mail verification of proof of the alleged debt. I have received generic response with no supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Subject : Follow-Up on Complaint ID XXXX : Request for Resolution and Evidence Dear Executive Office of the Consumer Financial Protection Bureau ( CFPB ) , I hope this message finds you well. I am writing to follow up on a complaint that I previously filed against Chase, with Complaint ID XXXX, submitted on XX/XX/2024. My case number with Chase is XXXX. 

After filing the initial complaint, I received a response from someone at Chase suggesting that I search for any file against me. Since then, I have diligently attempted to obtain updates on my case by contacting XXXX at XXXX, extension XXXX, as instructed. Despite multiple calls, I have not received any substantial updates or progress reports regarding the investigation of my complaint. 

Today, on XX/XX/2024, I received an email from the Chase executive office requesting that I provide them with a copy of my credit report. I find this request deeply concerning and perplexing, given that my complaint pertains to alleged false reporting by Chase, specifically related to identity theft or similar matters. To be asked to provide my credit report under these circumstances raises serious questions about the handling of my case. 

As a consumer seeking resolution and transparency, I request that Chase provide me with all relevant details, including but not limited to : A detailed record of all actions taken by Chase regarding my case, including dates and outcomes of any investigations.

Any evidence or documentation supporting Chase 's claims against me, particularly related to the allegations of identity theft or similar issues. 
An explanation as to why I am being asked to provide my credit report, considering the nature of my complaint and the impact it has had on my creditworthiness. 
I believe that as a responsible financial institution and in accordance with regulatory standards, Chase should provide me with clear and comprehensive information to address my concerns and rectify any inaccuracies or harm caused to my credit profile. 

I kindly request that the CFPB facilitate communication and resolution between myself and Chase to ensure that my complaint is thoroughly investigated and addressed in a timely manner. I appreciate your attention to this matter and look forward to your prompt response.

Thank you for your assistance. 

Sincerely,

Company response to consumer: Closed with explanation