vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have a credit card with Discover and unfortunately due to some XXXX issues I had XXXX late payment in XXXX of this year and paid the bill late. I requested a XXXX  adjustment so I could maintain a good credit as a consumer who have been with them for years and they denied my request which I find to be unfair as a consumer. Im aware that the creditor is requested to report accurate information however it is at the creditor discretion therefore I do feel as if I should get a goodwill adjustment and have that late payment removed in the best interest of maintaining a positive history with Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: NC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I requested the company provide information regarding collectors name and full address, Name of Debtor of Record, Full Account number, Amount, Date of delinquency, Explanation of how debt was calculated, Name of current owner and amount paid for the debt if applicable, and a COMPLETED agreement with signatures of a contract with the debt collector validating that I owe the date with them. They sent back a VERIFICATION letter with an account number and amount, but no other information was given for VALIDATION of the debt, pursuant to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following account. XXXX and remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Call to many times after I already made a payment plan

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
RE : XXXX XXXX XXXX XXXX XXXX Banking Account XXXX : XXXX Account # XXXX  I had an employee working for us who used our checking account to issue ( 3 ) charges to Collaborating Docs Totaling approx {$XXXX} without our knowledge, consent or authorization. There is only XXXX authorized signer on this account. The employee was not authorized to make this transaction. I notified the bank and they issued a temporary credit but failed to complete the investigation and the credit was reversed. There is no contract or documentation from the merchant but from the merchant to the employee who used our account to pay for licensing that we did not authorize. It has been explained numerous times that this employee NEVER had authorization or permission to charge our account. 

I have called ChasXXXX several times to have this issue escalated. Most of the time I would get transferred to different departments, get hung up on or told there is nothing I could do. I went into the branch to see about how to resolve the issue, I asked the representative if this could affect me personally or keep me from entering into the XXXX and was told it would not. I asked if I could perhaps make a payment arrangements in case it did and he informed me that it was too late to do any of that due to the stage of the account and assured me it would not affect me personally. 

Chase Bank not only held the company liable but has charged off the business account against me personally and entered me into the XXXX, This has caused stress and financial harm to me personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: MO

Complaint narrative:
There are billing errors on my credit report, with late payments not consistent with my history. Please adjust these mistakes 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 2024-11-14 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: FL

Complaint narrative:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2 , please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-11-14 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: NJ

Complaint narrative:
To my surprise and frustration, I discovered tonight that my credit report now has accounts that dont belong there, and I have no clue why. I checked my credit report like I normally do, and out of nowhere, these inaccuracies appeared. I refreshed my browser, thinking it might be a temporary error, but the accounts remained. Due to this issue, Im requesting a detailed review of the documents Ive submitted so I can stop worrying about such errors happening again.

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 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX received in registered mail a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX totaling XXXX ( XXXX XXXX ). 

On XX/XX/XXXX I Received notice of accounts suspended. I called in and spoke to an agent. Even after pointing out multiple violations, she proceeded to unlawfully close XXXX accounts. XXXXXXXX XXXX XXXX XXXX XXXX  was revoked XX/XX/XXXX. I explained that the attorney-in-fact disallows this but she said " whatever ''. I explained this action would be in violation of SEC filing XXXX XXXX XXXX XXXX XXXX XXXX article XXXX section XXXX satisfaction and discharge : cancellation of notes held by issuer, Article XXXX section XXXX unconditional right of a note holder to receive principal and interest, Article XXXX section XXXX indentured trustee certain duties and responsibilities, Article XXXX section XXXX payment of principal and interest, section XXXX money for note payments to be held in trust which says to execute and deliver to the Indentured Trustee and section XXXX performance of obligations. 

On XX/XX/XXXX I faxed XXXXXXXX XXXX XXXX XXXX XXXX XXXX request to reopen accounts. It was indicated that XXXX XXXX XXXX XXXX was in receipt of the receivables/notice of claim to interest and closed the accounts. This evidences dishonor UCC 3-505, notice of knowledge UCC 1-202 , UCC 1-102, non-adherence to rules relating to debt instruments 26 CFR 1.1275-2, impersonating the true and lawful holder of each asset backed security of these accounts 18 USC 914, UCC 8-205, violating obligations UCC 3-419, UCC 3-104, UCC 1-308, UCC 3-306, 18USC8, 31 USC 3123, 26 CFR 1.385-3 and incurs civil penalties 12 CFR 215 .11. I also requested validation of debt on all accounts since XXXX in accordance to 15usc1692g, which is also denied. 

On XX/XX/XXXX I received proof XXXX XXXX XXXX is keeping and trading a bank account in my name with no authority. This is identity fraud & violation of the bankers acceptance amongst others.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: OH

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-15 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized Identity Theft Hard Inquiries Dear Equifax XXXX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon recent review, I discovered several inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized identity theft inquiries are as follows : XXXX XXXX XXXX - XX/XX/XXXX ( Equifax ) Factual Data- XX/XX/XXXX ( Equifax XXXX XXXX & XXXX - XX/XX/XXXX ( Equifax XXXX XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed copies of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have submitted an FTC report to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate confirmation once the removal is completed or any further steps I may need to take to resolve this issue.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized Identity Theft Hard Inquiries Dear Equifax XXXX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon recent review, I discovered several inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized identity theft inquiries are as follows : XXXX XXXX XXXX - XX/XX/XXXX ( Equifax ) Factual Data- XX/XX/XXXX ( Equifax XXXX XXXX & XXXX - XX/XX/XXXX ( Equifax XXXX XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed copies of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have submitted an FTC report to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate confirmation once the removal is completed or any further steps I may need to take to resolve this issue. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I discovered unauthorized accounts on my credit report, likely added without my consent. Requesting immediate removal and blocking of these fraudulent entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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 HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name XXXX XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : 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 explanation
Consumer complaint received 2024-11-15 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: GA

Complaint narrative:
SENT THE DISPUTES IN FOR THESE UNKNOWN, UNVERIFIED AND INACCURATE ACCOUNTS SEVERAL WEEKS AGO. YOUR COMPANY VERIFIED THAT THE INFORMATION WAS ACCURATE IN REPORTING. THE ACCOUNTS HAD SEVERAL DATES REPORTING INCONSISTENCIES BETWEEN THE XXXX BUREAUS. I STATED THAT THE ACCOUNTS WERE INACCURATE AND MUST BE DELETED BECAUSE OF THIS, BUT MY CONSUMER REPORT IS STILL REPORTING THESE ACCOUNTS. THIS IS A VIOLATION OF THE FCRA. WHEN DISPUTED INFORMATION IS FOUND TO BE INNACCURATE OR UNVERIFIABLE, THE ITEM MUST BE DELETED IMMEDIATELY. ( I AM REQUESTING THE METHOD OF VERIFICATION OF EACH XXXX OF THESE ACCOUNTS LISTED. IF YOU CAN NOT GIVE ME A DETAILED METHOD OF VERIFICATION OF THE ITEMS I HAVE LISTED, THEN YOU WILL IMMEDIATELY DELETE THESE ACCOUNTS WITHN XXXX  DAYS OF RECIEPT OF THIS DISPUTE. ) Delete these accounts : ( XXXX XXXX- Account # XXXX ) ( XXXX & XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX  -- Account # XXXX ) " AGAIN YOU HAVE 15 DAYS '' AFTER THAT I WILL BE FORCED TO SEEK LITIGATION FOR DAMAGES.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint against Equifax for failing to correct inaccurate and outdated personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests, Equifax has retained incorrect versions of my name and addresses where I have never lived, even though I have provided my accurate information.

Violations of the FCRA : Failure to Maintain Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) Under Section 609 of the FCRA, credit reporting agencies are obligated to maintain only accurate, verifiable consumer information. Equifaxs refusal to remove outdated names and addresses despite verified updates is a violation of this requirement.

Inclusion of Unauthorized Information Equifaxs persistence in reporting unauthorized names and addresses without proper validation violates my rights to accuracy under the FCRA. This unauthorized retention of outdated data, which I have not validated, is not only inaccurate but also potentially harmful to my credit standing.

Impact on My Financial Standing : The presence of incorrect names and outdated addresses on my credit report negatively affects my credit score and overall financial reputation, hindering my ability to access credit and pursue financial opportunities.

Company response to consumer: Closed with explanation