vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account was erroneously placed in a 3rd party collection. The debt originated with XXXX XXXX XXXX  for {$1200.00} ( I will attach the original invoice ). I am attaching proof this account was paid in full to the original creditor on the date on the XXXX receipt which was XX/XX/2023. This account was paid IN FULL before it was ever sent to collections to XXXX XXXX XXXX. I have written the creditor twice and they responded that the debt is " verified '' and owed by me ( I am also attaching ) and the amount they claim I owed originally on my credit report 7 months ago, matches what I paid to XXXX XXXX XXXX/what is on my XXXX receipt ( who I purchased the money orders from ). After writing XXXX XXXX and disputing for months with the XXXX credit bureaus XXXX, Equifax and XXXX, the account was removed from XXXX due to its inaccuracy. The amount owed under this account has changed from {$1800.00} to now {$650.00}. This amount was inflated from the alleged start with XXXX XXXX XXXX. How has the amount owed even decreased from {$1800.00} 6 months ago to {$650.00} now when XXXX activity has been made under this account with this creditor. This error proves the company to be fraudulent and in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account was erroneously placed in a 3rd party collection. The debt originated with XXXX XXXX XXXX  for {$1200.00} ( I will attach the original invoice ). I am attaching proof this account was paid in full to the original creditor on the date on the XXXX receipt which was XX/XX/2023. This account was paid IN FULL before it was ever sent to collections to XXXX XXXX XXXX. I have written the creditor twice and they responded that the debt is " verified '' and owed by me ( I am also attaching ) and the amount they claim I owed originally on my credit report 7 months ago, matches what I paid to XXXX XXXX XXXX/what is on my XXXX receipt ( who I purchased the money orders from ). After writing XXXX XXXX and disputing for months with the XXXX credit bureaus XXXX, XXXX and Experian, the account was removed from XXXX due to its inaccuracy. The amount owed under this account has changed from {$1800.00} to now {$650.00}. This amount was inflated from the alleged start with XXXX XXXX XXXX. How has the amount owed even decreased from {$1800.00} 6 months ago to {$650.00} now when XXXX activity has been made under this account with this creditor. This error proves the company to be fraudulent and in violation of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
This company has entered my property, without legal warrant or cause, violating my 4th amendment rights and violating my property by illegally touching and disabling it it without notice or fair remedy. I want them to be heavily fined. They also must issue a UCC termination. Failure to do so will have them taken to court and suing for violation of my 4th amendment rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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 reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding this account. I have contacted all the company directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and has informed all the company involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 
I request that you promptly eliminate this account from my credit report, aligning with the actions taken by other credit bureaus. Failure to do so will leave me with no choice but to pursue legal action. XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, Transunion, and XXXX to reinvestigate these INQUIRES 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 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 However, they stated everything was complete and accurate. But how is that possible if non of these inquires were authorized, THIS AMOUNT OF INQUIRIES IS REDICULES and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

The FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, XXXX, and Equifax to reinvestigate these INQUIRES : XXXXXXXX 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 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 However, they stated everything was complete and accurate. But how is that possible if non of these inquires were authorized, THIS AMOUNT OF INQUIRIES IS REDICULES and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 
The FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a Chase/ Amazon card. Chase decided to utilize the main number at my work ( landline ) at a place that I haven't worked at for 15 years, as my personal/primary phone number on my account. I called to rectify and they said they would. I never provided this number and is a huge security issue to my account, not to mention that I have trouble logging in because I need to verify my identity via a text message to this non-mobile number that is NOT MINE. In addition, they are utilizing a home address for me, not by my choice, which I have NOT lived in over 7 years. This is ridiculous and has to be an illegal practice, not to mention that it has cost me a lot of time and frustration. How is it legal for a credit company to utilize a random phone number and a random address to determine my identity?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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:
I have ensured that payments for this account are always made on time, with none ever becoming overdue. I am unsure why there are reports of late payment remarks on my accounts. Based on 15 USC 1666b, this billing error needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
There is a fraudulent account reported on my credit file. 

Account Name : JPMCB Card Account Number : XXXX Account open date : Someone has opened an fraudulent account on my name using my Identity for this account for which I am not responsible. 

Please remove this account from my credit file. 

I challange the company to provide me the proof for opening of this account by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
First off. Someone needs to congratulate me. Struggle is not something i take on as a trait. XXXX XXXX XXXX XXXX getting through immigrant family life and street life l. I bust XXXX XXXXXXXX  period. I majored in a technical program at XXXX. Not proud of my XXXX gpa but its a great thing to know im the only female to gradute that semester from that particular school XXXX  on XXXX campus. Why on earth does that cause for fraud with intent to distract me from success i dont wan na know. What id like to know is how you can further. Investigate these semesters where money was fraudulently transferred. XXXX graduate does not have me enrolled for three semesters where they are claiming i either went to their school, or they XXXXXXXX XXXX XXXXXXXX. Can someone erase the XXXX the XXXX and other XXXX and modify accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
In accordance with The Fair Credit Reporting Act THE BEST SERVICE COXXXX Account number XXXXhas violated my rights.15 U.S.C 1681 section 602A states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: NJ

Complaint narrative:
Below is a copy of the complaint I've submited to the NJ XXXX  and NJ Dept. of Consumer Affairs. I've submitted the same by email to XXXX XXXX and to XXXX XXXX. XXXX XXXX refuses to acknowledge said cancellation of contracts and told me to handle it at the gym level. I've asked them to remove all billing information they have on file. I do not owe any monies to XXXX XXXX, XXXX XXXX, or otherwise, in this matter. 

I've attached the emails which exist to date between myself and XXXX XXXX. 


XXXX I recently tried to cancel gym memberships for ( XXXX ) people ( myself, my wife, and our XXXX children ). The owner- XXXX- refused to do so, citing that the memberships were " Term '' contracts. When we signed up, no documents were provided to us and we were told all memberships were month-to-month in nature and could be cancelled at any time, subject to 1 extra month of billing thereafter. Now, the story is different. I met with the owner in person on XX/XX/year> in an attempt to obtain physical contracts and in another attempt to cancel. He began belligerent, verbally abusive, began screaming and yelling at me in the middle of the gym, AND THEN invited me to the parking lot to " ... settle everything another way. '' The gym has surveillance so this was captured, around XXXX or so. I was able to obtain one of the contracts which in fact had a forged signature which was not my own.

I've contacted the billing company for XXXX XXXX - XXXX XXXX - however they provided XXXX help. I removed my payment method that they had on file, however they told me they'd simply send my accounts to collections. 

I was duped by XXXX, hourly employees in to long-term gym contracts ; I was lied to about the terms and conditions ; I did not receive copies and therefore had no ability to cancel within NJ 's 3 day right of rescission. 

The owner - XXXX - told me I was no longer welcome at the gym after yesterday 's altercation. He threatened that if I showed up again, he'd call the police and have me arrested for trespassing. However, he also refuses to cancel my contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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 am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief