vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WI

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 accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

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 accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am refiling this complaint to TRANSUNION. I am writing to reappeal that you block the following false information from my credit report. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I closed my chase bank account in person in XXXX XXXX, NY in spring/summer of XXXX due to knowledge that the identity thief was using my account. I received collection calls from chase bank sometime after and assumed it was spam because my account was closed. A check in the amount of {$790.00} that I did not deposit to begin with was returned on my closed account approximately 6 months after my account was closed bringing my account into a negative balance and prompting collection calls. 

On XX/XX/XXXX I received a comprehensive file disclosure from XXXX XXXX  and saw another Chase was account opened on XXXX XX/XX/XXXX without my knowledge or consent. It was closed-purged on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: MA

Complaint narrative:
Request to Update Public Records Dear LexisNexis Risk Solutions Consumer Center Support Team, I am reaching out to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated to ensure my profile remains accurate and up to date. 

Details to Update : Phone Number : XXXX For your reference, I have included proof of identity along with documentation confirming my current phone number. If you require any additional information or further documentation to process this request, please do not hesitate to let me know. 

I would appreciate it if this update could be completed at your earliest convenience. Once the update has been made, I kindly request confirmation that my records have been updated. 

Thank you for your time and assistance. If you have any questions or need further clarification, you can contact me at XXXX or via email at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To whom it may concern, this correspondence is being submitted to verify the fact that I, XXXX XXXX, would like to have specific information deleted from my credit report, due to the fact that I have been a victim of identity theft ; The charges in question were not made by me. I am respectfully requesting that these items be permanently removed from my credit report. I have complied with reporting the theft of my identity to the Federal Trade Commission. I also have copies of the Federal Trade Commission 's Identity Theft Affidavit. To review your records. As stated previously I am requesting to have the said Items removed from my credit report in a timely fashion. Thanking you in advance for your attention to this matter.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The creditor is extending past due periods and refuses to address the delinquency dates

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The creditor is extending past due periods and refuses to address the delinquency dates

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The creditor is extending past due periods and refuses to address the delinquency dates

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Credit Collection Services- XXXXXXXX XXXX  Credit Collection Services- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are all reported without my consent or knowledge, ive tried disputing contacting, removing, by all accounts these should not be on here. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. They also have no permission to report anything using my info pursuant to 15 USC 1681 4. 

Also Used 15 USC 1692 C, They violated my rights by lawful communication, remove all these from my accounts, Ive gotten no movement and they havent removed anything. Would like this handled fast

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
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 $ These are all reported without my consent or knowledge, ive tried disputing contacting, removing, by all accounts these should not be on here. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. They also have no permission to report anything using my info pursuant to 15 USC 1681 4. 

Also Used 15 USC 1692 C, They violated my rights by lawful communication, remove all these from my accounts, Ive gotten no movement and they havent removed anything. Would like this handled fast

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am now requesting proof of the previous investigation with the complaint id : XXXX submitted on XX/XX/year>. Please provide the methods used in your investigation, along with all records of who was contacted, including their names, business addresses, and phone numbers. Additionally, include documentation verifying that this account XXXX was reported as late for 30 days. 

If you are unable to provide this information within 15 days, I request that you update the account ( XXXX  ) status to 'Paid/Never Late ' for the XXXX of XX/XX/year> and send me a copy of the updated 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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: 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 non-monetary relief
Consumer complaint received 2024-12-16 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: 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 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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Complaint Regarding Credit Score Impact Due to Misreporting by XXXX XXXX Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint regarding the negative impact on my credit score caused by XXXX XXXX 's incorrect reporting to the credit bureau. Specifically, XXXX XXXX reported my account as " closed '' instead of marking it as " paid off. '' This reporting error has resulted in a decrease of XXXX points to my credit score. 
The account was closed because it was fully paid off, as per the terms of my agreement with XXXX XXXX. Logically, a paid-off account should improve my credit score or at least have no negative impact, rather than causing harm. This incorrect reporting not only misrepresents my financial responsibility but also unjustly affects my creditworthiness. 
I have attached supporting documentation, including evidence from the credit bureau reflecting the score drop, as well as correspondence from XXXX XXXX confirming that all payments were made on time and that I am entitled to the car title. 
I respectfully request that XXXX XXXX correct this error immediately by updating my account status with the credit bureaus to " paid in full '' and removing any negative impact from my credit report. Additionally, I ask for a review of this situation to ensure such reporting errors do not occur in the future, as they can have a significant effect on consumers ' financial health. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 
Sincerely, XXXX XXXX XXXX ( XXXX ) 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 explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Complaint Regarding Credit Score Impact Due to Misreporting by XXXX XXXX Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint regarding the negative impact on my credit score caused by XXXX XXXX 's incorrect reporting to the credit bureau. Specifically, XXXX XXXX reported my account as " closed '' instead of marking it as " paid off. '' This reporting error has resulted in a decrease of XXXX points to my credit score. 
The account was closed because it was fully paid off, as per the terms of my agreement with XXXX XXXX. Logically, a paid-off account should improve my credit score or at least have no negative impact, rather than causing harm. This incorrect reporting not only misrepresents my financial responsibility but also unjustly affects my creditworthiness. 
I have attached supporting documentation, including evidence from the credit bureau reflecting the score drop, as well as correspondence from XXXX XXXX confirming that all payments were made on time and that I am entitled to the car title. 
I respectfully request that XXXX XXXX correct this error immediately by updating my account status with the credit bureaus to " paid in full '' and removing any negative impact from my credit report. Additionally, I ask for a review of this situation to ensure such reporting errors do not occur in the future, as they can have a significant effect on consumers ' financial health. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: FL

Complaint narrative:
Subject : Complaint Regarding Credit Score Impact Due to Misreporting by XXXX XXXX Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint regarding the negative impact on my credit score caused by XXXX XXXX 's incorrect reporting to the credit bureau. Specifically, XXXX XXXX reported my account as " closed '' instead of marking it as " paid off. '' This reporting error has resulted in a decrease of XXXX points to my credit score. 
The account was closed because it was fully paid off, as per the terms of my agreement with XXXX XXXX. Logically, a paid-off account should improve my credit score or at least have no negative impact, rather than causing harm. This incorrect reporting not only misrepresents my financial responsibility but also unjustly affects my creditworthiness. 
I have attached supporting documentation, including evidence from the credit bureau reflecting the score drop, as well as correspondence from XXXX XXXX confirming that all payments were made on time and that I am entitled to the car title. 
I respectfully request that XXXX XXXX correct this error immediately by updating my account status with the credit bureaus to " paid in full '' and removing any negative impact from my credit report. Additionally, I ask for a review of this situation to ensure such reporting errors do not occur in the future, as they can have a significant effect on consumers ' financial health. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 
Sincerely, XXXX XXXX XXXX ( XXXX ) 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 explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Regarding my business checking I made a transfer from my XXXX XXXX  to my navy fed checking An unauthorized debit from my checking was made I called to request the situation be rectified. The funds were for electric bill emergency shut off. The department refused to credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: NJ

Complaint narrative:
A supposed debt collector named Receivable Management Partners has called me five times in the past ten days between XX/XX/XXXX and XXXX. They voicemails demanding I pay an unspecified debt and despite blocking their number they continue to call me through different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I do not have a contract nor did I authorize this company to obtain my information, my rights to privacy was violated under the FDCPA & FCRA. 

15 US Code 1692c prohibits debt collectors from communicating with third parties in connection with debt collection. 

" If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NV

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 accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and request that the following accounts and inquiries be blocked and deleted from my credit report, pursuant to 15 USC 1681c- 2 ( a ) and FCRA XXXX ( b ) : Accounts to be blocked and deleted : 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 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 XXXXXX/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