vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 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 formally requesting an investigation into certain accounts that appear on my credit report. These items may be in violation of federal consumer protection laws, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure my report is accurate and compliant. 
According to XXXX XXXX, I have a legal right to privacy and accuracy regarding my financial data. Specifically : XXXX XXXX Section XXXX ( a ) affirms my right to financial privacy. 
XXXX XXXX Section XXXX ( a ) ( XXXX ) states that accounts can not be reported without explicit written authorization. 
XXXX XXXX ( a ) ( XXXX ) prohibits reporting adverse information older than XXXX years ( except criminal convictions ). 
XXXX XXXX ( a ) ( XXXX ) requires furnishers to ensure all reported information is accurate. 
Given these legal protections, I request a thorough review of the disputed items. If they can not be substantiated with proper documentation, they should be removed immediately. Please provide written confirmation of your investigation and any corrective actions taken

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV FUNDING LLC I have many times over and over had told this company to stop calling me, and emailing me, with different agents, for every phone call that i get multiple times a day i have asked my question to them whic is 1. The original creditors name and account number, 2. A copy of the original signed agreement or contract, 3. A detailed break down, 4. Documentation showing that they have the legal authority to collect this debt! Not once did i get a good respond. They just wanted a payment thats all they were worried about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-02-22 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: TX

Complaint narrative:
I am writing to formally report and address an urgent issue regarding the unauthorized use of my identity. It has come to my attention that a fraudulent account has been opened in my name without my knowledge or consent. This activity is not only a direct violation of my rights but also a serious matter involving potential identity theft.

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 2025-02-22 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 formally requesting an investigation into certain accounts and inquiries that appear on my credit report. These items may be in violation of federal consumer protection laws, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure my report is accurate and compliant. 
According to XXXX XXXX, I have a legal right to privacy and accuracy regarding my financial data. Specifically : XXXX XXXX Section XXXX ( a ) affirms my right to financial privacy. 
XXXX XXXX Section XXXX ( a ) ( XXXX ) states that accounts can not be reported without explicit written authorization. 
XXXX XXXX ( a ) ( XXXX ) prohibits reporting adverse information older than XXXX years ( except criminal convictions ). 
XXXX XXXX ( a ) ( XXXX ) requires furnishers to ensure all reported information is accurate. 
Given these legal protections, I request a thorough review of the disputed items. If they can not be substantiated with proper documentation, they should be removed immediately. Please provide written confirmation of your investigation and any corrective actions taken

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 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Unable to speak with a representative on the phone to refund money sent to person who is now deceased..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
The American Collection Agency is still reporting to all XXXX  credit bureaus about the medical debt of XXXX dollars, even though the new law that was passed in XX/XX/year> under the CFPB act, which is hindering me from getting a car loan. Please help me to get it removed. Ive already submitted disputes with all XXXX  credit bureaus. Thank you for your assistance if you can assist me with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX 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 2025-02-22 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: AZ

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of 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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
As you can see by the attached screen shots, on my ChexSystems report THEY HAVE 2 SOCIAL SECURITY # s LISTED! HOW IS THAT POSSIBLE?!?, you will also see that XXXX  wich XXXX  is a co owner of found the XXXX  information on my report to be false & deleted it, yet it remains on ChexSystems, WHY?!? On top of that XXXX XXXX XXXX XXXX company allowed me to open an investment account of XXXX of last year, Ive never committed fraud & it seems ChexSystems is the only company listing that I have which is preventing me from opening a new checking account & causing me great stress, this is the XXXX complaint Ive lodged about this & still ChexSystems XXXX XXXX XXXX XXXX of federal law, the FCRA & tramples on my rights, because my report should be cleared for the reasons I listed above stand alone, but then consider the fact I requested my report on XXXX as you can see by the time stamped fax & didnt receive it until XXXX 3 MONTHS LATER! the FCRA is crystal clear, they had 30 days to get me my report & as you see I requested it at least as early as XXXX & then you can see via their own dated response, they didnt even mail out my report til XX/XX/XXXX XXXX past their allotted 30 days & the FCRA is very clear that all negative marks need to be deleted from my report because of this, Im done playing games, if this is not fixed this week, I am suing ChexSystems & Im going to start contacting who I need to contact to put the spotlight on the CFPB because the fact they are allowed to continue to trample on my rights with out the CFPB a department funded via my tax dollars to protect me against these kind of shady financial institutions doing anything about it, Ill start writing to the XXXX XXXX XXXX Ill go on the news Ive HAD IT!! 

Thanks 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 2025-02-22 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
Columbia Debt Recovery ( Residences at XXXX XXXX ) I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: NC

Complaint narrative:
Kickoff/XXXX  XXXX XXXX just reported that my account is 180 days past due with XXXX. This debt was included in my bankruptcy case that was discharged in XXXX. If this is not fixed immediately on ALL credit reporting agencies IMMEDIATELY, my attorney and I will file a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-02-22 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: NC

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX 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 XXXXXXXX XX/XX/XXXX {$470.00} Late/Closed XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} Charge off XXXX XXXX XXXX XXXX XX/XX/XXXX {$32000.00} Late/Closed XXXX XXXX XXXX XX/XX/XXXX {$790.00} Late/Closed XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$9900.00} Charge Off New Added : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX, XXXX {$270.00} Collection XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXXXXXX ) XXXX XX/XX/XXXX {$220.00} Collection

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 2025-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
there's an unauthorized/unrecognized by XXXX XXXX dated XX/XX/year> in my in my TransUnion credit report. Immediately delete/remove the above inquiry in question from my TransUnion 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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

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 2025-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase is withholding my payroll check and refuse to let me withdraw my money and put it in a new account that I have with another bank I want to withdraw all the money that is in my account that is mines and I dont want to deal with chase ever again I do not know why it takes six days to take the money that is there so I can get my money and move on I hate this bank I dont want to ever do any banking with them again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have ask XXXX multiple times to remove old accounts in order which there updates to be recent accounts on my credit report like they are reporting a account from which is XXXX XXXX XXXX from XXXX XXXX XXXX they are reporting another account for LVNV funding which is not a license company in New York State a non license company which must follow nys law must be removed because they are not able to collect a debt in nys they are being paid by the company to held in accurate information they didnt send me any signed documents that I need to pay lvnv funding which they should be sent to me if no proof is shown must be removed in 30 days or less

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$120.00} XXXX XXXX Balance : {$380.00} XXXX XXXX XX/XX/XXXX XXXX XXXX Balance {$13000.00} XXXX - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: NC

Complaint narrative:
XXXX XXXXXXXX XXXX just reported that my account is 180 days past due with Equifax. This debt was included in my bankruptcy case that was discharged in XXXX. If this is not fixed immediately on ALL credit reporting agencies IMMEDIATELY, my attorney and I will file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: NC

Complaint narrative:
I am the victim of identity theft. Someone took over my Expierian boost account and opened up several credit cards and bank accounts in my name which I then had to put a freeze on my credit. I have called Experian multiple times to try and get this resolved yet they are no help at all. I'm at a loss because once my credit freeze is up the person who has access to my personal information is going to be able to open up accounts in my name again. I just want everything to be changed back to my information.

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