vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C 1681 ), I hereby formally request the removal of certain unauthorized credit inquiries that have appeared on my credit report. After careful review, I have identified that the following inquiries were made without my express consent or in error : Experian XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Consumer Protection Act, specifically Title XV of the Dodd-Frank Act, I have the right to receive proper notifications about any outstanding obligations and a clear justification for late payments. To date, I have not received any communication explaining this failure. I request a review of this matter and regularization of payment, as failure to meet these obligations affects my rights as a consumer and may be subject to legal action under CFPB regulation.

Under 15USC 1666b this late payment, entry is a violation. I have incorrectly billed. 
XXXX XXXX XXXX XXXX XXXX account XXXX... 
XXXX XXXX account XXXX... 
XXXXXXXX XXXX XXXX XXXX account XXXX... 
Please update the status of this account to " paid on time ''.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX ( Private SSN : XXXX ( Private XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been fled to request pursuant to FCRA 5 6068 ( 15 U.S.C. 5 1681c-2 ) that you, the XXXX, Equifax, XXXX, credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulert, inaccurate, and false information consists of a personal account XXXX XXXX XXXX XXXX {$1300.00} opened XX/XX/XXXX account # XXXX hard inquiries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  resulted in several fraudulent hard inquiries i consumer FICO credit report. I've attached a list well as a copy of the consumer FICO credit report maintained by you which show fraudulent Collection & hard inquiries. I do not recognize the account jor hard inquiries as reported. The aforementioned account appearing on my consumer credit report maintained by you. All of the aforementioned accounts, collections. of identity theft and fraud. I have attached a copy of FTC Identity Theft Crimal Complaint # ( XXXX ) 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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Consumer Name : XXXX XXXX XXXXXXXX XXXX ( Private SSN : XXXX ( Private XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been fled to request pursuant to FCRA 5 6068 ( 15 U.S.C. 5 1681c-2 ) that you, the XXXX, XXXX, Experian, credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulert, inaccurate, and false information consists of a personal account XXXX XXXX XXXX XXXX {$1300.00} opened XX/XX/XXXX account # XXXX hard inquiries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX resulted in several fraudulent hard inquiries i consumer FICO credit report. I've attached a list well as a copy of the consumer FICO credit report maintained by you which show fraudulent Collection & hard inquiries. I do not recognize the account jor hard inquiries as reported. The aforementioned account appearing on my consumer credit report maintained by you. All of the aforementioned accounts, collections. of identity theft and fraud. I have attached a copy of FTC Identity Theft Crimal Complaint # ( XXXX  ) 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 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 2024-09-19 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: MA

Complaint narrative:
I requested the purchase agreement to show This was not my debt They could not give it to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
I had an account with Mariner Finance that they have been reporting incorrectly, I have asked them several times to correct. I now must move this to another level. Mariner Finance has reported to XXXX, XXXX and XXXX that this account was charged off of {$980.00}. If that were true why did they send me a refund check stating I have over paid. Also they are reporting 3 charge offs on same account, you can only have one charge off.. I have proof of refund check that I overpaid when I paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX at XXXX spoke to XXXX XXXX XXXXXXXX mortgage department XXXX XXXX and he said a guy from XXXX XXXX XXXX XXXX is lying saying XXXX XXXX has Clear title using your XXXX XXXX XXXX attached to a fake loan as XXXX for XXXX to XXXX XXXX XXXX dated foreclosure sale XX/XX/XXXX. 


The XXXX XXXX cash XXXX of my XXXX  checks I were informed by XXXX  around XX/XX/XXXX to go make police report and detective XXXX XXXX XXXX has the case XXXX and his last words to me around late XXXX were that my checks got caught up in the mail. I told him that around XX/XX/XXXX I spoke to XXXX in XXXX XXXX XXXX check fraud department investigator and he said that same fake SSN number he used on XXXX Police and the courts is what led to where he cashed your checks into an account known as XXXX XXXX XXXX in XXXX az same as XXXX XXXX support insurance person XXXX  XXXX  at XXXX XXXX XXXX XXXX XXXX just moved her office there a year ago XXXX  XXXX XXXX did XXXX XXXX under fake XXXX really cash my XXXX checks into XXXX XXXX XXXX XXXX your employee 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 non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: MI

Complaint narrative:
On XX/XX/XXXX at XXXX spoke to XXXX XXXX XXXXXXXX mortgage department XXXX XXXX and he said a guy from XXXX XXXX XXXX XXXX is lying saying XXXX XXXX has Clear title using your loan XXXX  XXXX attached to a fake loan as XXXX for XXXX to XXXX XXXX XXXX dated foreclosure sale XX/XX/XXXX. 


The XXXX XXXX cash XXXX of my XXXX  checks I were informed by XXXX  around XX/XX/XXXX to go make police report and detective XXXX XXXX XXXX has the case XXXX and his last words to me around late XXXX were that my checks got caught up in the mail. I told him that around XX/XX/XXXX I spoke to XXXX in XXXX XXXX XXXXXXXX check fraud department investigator and he said that same fake SSN number he used on XXXX Police and the courts is what led to where he cashed your checks into an account known as XXXX XXXX XXXX in XXXX az same as XXXX XXXX support insurance person XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX just moved her office there a year ago XXXX XXXX XXXXXXXX did XXXX XXXX under fake XXXX really cash my XXXX checks into XXXX XXXX XXXX XXXX your employee XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Account XXXX XXXX XXXX  is reporting inaccurate. ( FCRA ) state that all account information needs to be 100 % accurate. Equifax said my account was accurate and verified. I will provide proof of equifax ( FCRA ) violation. Account ending in XXXX XXXX XXXX  first delinquency date is not XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I want to leave a formal complaint for the unnecessary and disrespectful treatment I received by two Chase agents. The situation happened as follows : on XX/XX/XXXX, I deposited a cashier check given to me by XXXX XXXXXXXX XXXX following the maturity of a CD account I had with that bank. On Wednesday XX/XX/XXXX at XXXX XXXX, I called Chase to see if they could speed up the deposit process into my account. After almost 25 minutes of waiting on call with a customer service agent, I was informed that XXXX XXXXXXXX XXXX  did not authorize the check I deposited, and therefore made my account locked with no possibility of withdrawing, payments or any other transaction. The agent informed me that I had deposited a fraudulent check and that in a few days my account will be closed indefinitely and that Chase does not want any business with me. I told her that I had documents proving that the transaction was authorized. The agent told me that she could not say anything else and hung up the call. 

On XX/XX/XXXX, I went to my local Chase branch in XXXXXXXX XXXX, they took a copy of the stub check and I told them my case. The agent called the Chase line and after waiting she told me that my account was locked and under investigation for fraud. She also told me that my account would be canceled. She told me she could not do anything to help me. 

Friday XX/XX/XXXX, I called Chase again for 2 hours where they finally told me that XXXX XXXXXXXX XXXX had authorized my check but that my account remained under investigation. This has caused me a lot of distress because of the mismanagement of my funds. The worst thing is that I was treated like a criminal trying to commit fraud despite my legal proof to authenticate the transaction. 

My account was restricted and my funds were available until Tuesday XX/XX/XXXX, it was 12 days after the check was deposited. I had an investment scheduled with XXXX XXXX that was canceled because the funds were not transferred. I request that Chase Bank be held accountable for the lost profitability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
A late fee of {$30.00} was assessed on XX/XX/24 though total account was paid in full on XX/XX/24. 
XXXX, unable to access computer and calendar dates caused the rare incident. 

The total late fee was paid on XX/XX/24 with a message to the company RE : of high late fee. On XX/XX/24 the company stated they would refund 1/2 the late charge per XXXX XXXX XXXX XXXX XXXX. 

My CC activity balance displays a {$15.00} refund of late fee on XX/XX/24 ( before my initial payment for the late fee ) On XX/XX/24 I sent a message to XXXX to honor the late fee of {$8.00} established by CFBP since their bank, Comety, has 50 million customers.

Instead, they charged my bank account the full {$30.00} and issued a credit for future purchases of {$15.00} This is NOT acceptable and I'm sure not the intention of the committee protecting the public. They have failed to follow the guidelines and refuse to refund funds accepted.

Company response to consumer: Closed with monetary relief