vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear reviewer, I am writing to dispute late payments on my credit report that I noticed upon the review of my Consumer Credit Reports which resulted from identity theft. These discrepancies in question is regarding the payment history section of my XXXX  Account ( Account Name : XXXX XXXX Account Number # XXXX ). XXXX Credit Bureau reported missed payments multiple dates which are showed on the attached supporting documentation. I had never been late on my XXXX credit card payments and the account which was registered in my parents address had XXXX balance. After further investigation, I discovered that these late payments were not made by me, but rather by an identity thief. I tried disputing this through XXXX, but they indicated that my account is close and could not assist or do anything for me. I was astonished by their response as they are responsible for helping current and past clients to resolve issues. My only option was to submit my claim through cfpb. 

I request that you please investigate and remove these inaccurate late payments from my credit report as soon as possible. I have attached relevant documentation, including a copy of the Credit Bureau Reporting that I am now paying $ 30 monthly to XXXX  in order to continue to protect myself from future identity theft. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate disputes and correct any inaccuracies promptly. I hope to get response within 30 days and hope that these charges can be removed from my credit report as I have NEVER ever been late on my XXXX payments. I sincerely hope that this request will result in favorable outcome to clear my name. Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Company is putting an open date on the credit report as the date they acquired the account, instead reporting correct information of actual date the account was delinquent with original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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:
someone who probably has my personal information applied to get credit cards causing some inquires on my credit report. 
XXXX XXXX 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 explanation
Consumer complaint received 2024-02-12 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: CA

Complaint narrative:
someone who probably has my personal information applied to get credit cards causing some inquires on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: NJ

Complaint narrative:
Chase XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Dear sir, I have received a letter from your Chase office regarding account number XXXX. These account numbers can not indicate anything to show clearly, which card do you want to refer, since I had the replacement credit cards for 5 times with Chase. Since I do not owe any mortgage with Chase and other credit companies, since I do not owe any properties, I can not understand why I receive the paper enclosed. If you want me to fill in this paper, would you explain what kind of property I owe in my name, XXXX XXXX ; otherwise, I do not want to provide my personal information such as my social security number and account numbers, which I have with Chase. I believe, from the beginning, your office should have known the account numbers if you try to inquire, instead of XXXX. At least, you should write the ending numbers of card to refer to the headquarters of your company, Chase. I will return this paper, which you have sent, for further information from you. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-12 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: SC

Complaint narrative:
Contacted Equifax about incorrect information and they did not do an investigation. I will up load Consumer laws that they are not following

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: TX

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.

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 non-monetary relief
Consumer complaint received 2024-02-13 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: TX

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.

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 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Date : XX/XX/XXXX Amount : {XXXX  Credit card involved : Chase Sapphire Reserve RE : Eclaims Department of Chase Sapphire Reserve Unethical & Unlawful Credit Card Servicing XX/XX/XXXX : Initial filing of flight arrangement claim due to a medical reason and provided necessary supporting documents. 

XX/XX/XXXX : Received multiple emails from Eclaims asking for similar documents even though it was submitted at initial filling. 

XXXX. I proactively follow-up with Eclaims and clarified over and over again in writing and over the phone about my case but no progress made. The response I received was consistently being the back office staff was working on my claim. The very first red flag was detected when they deleted one of my supporting document from their system, and they asked for that again ( that took several weeks ). The second red flag was they had actually received a document but they asked for that again ( I resubmitted the document and waited another week ). After not hearing from them, I called to verify but was told that the copy of the document was blurry for the claim processor to read?? ( but the document was in fact not blurry ). One representative who answered my call later said that she could actually help to print out a clearer version of the document and submit it to the claim processor?! Well, by now, the claim process at Eclaims department was pretty obvious to me, i.e. Eclaims will always find ways to deter or not to reimburse me regardless if my claim is valid. 

XX/XX/XXXX : I confronted them over the phone, and was told that I had actually submitted everything that they needed, they just had to verify it with the airline about the cost that incurred due to the change of flight ( even though the transaction was clearly printed on my credit card statement?! Another red flag! ). They said it would take another 30 days. 

XX/XX/XXXX : Way after the 30 days period, I called, and guess what, of course another new excuse was given as to why they couldn't process my case! But at least this time they said I should get an update from them within 3 days! Throughout the entire process, Eclaims promised me to provide updates on my status via a phone call but they never call!

Anyway, there are enough complains about Eclaims on a lot of online platform like XXXX or XXXX etc. already, I hope the Consumer Financial Protection Bureau can do something to intervene this unethical practice of Eclaims.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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:
dear Credit Bureau : XXXX XXXX XXXX XXXX is the Chief Financial Officer at the Trans Union LLC i, XXXX XXXX XXXX XXXX living XXXX are victim of identity theft and fraudulent activity. i, have tried to deal with different Corporations concerning private property held in Trust. i, have no contract with those Corporations. per the Uniform Commercial Code, ( UCC ), many notifications, and no rebuttals in affidavit under penalty of perjury caused the default judgments put upon them.

i need all credit scores recorded by Your Agency of the ALL CAPS NAMES ABOVE to be corrected and the record cleared. i discovered the identity theft put upon the copy-written from birth. ( see non-UCC-1 and TRADE NAME ) I had no way of signing my name on any contract or agreement. this is perpetual Fraud an Identity Theft. i, XXXX XXXX XXXX, entitled owner and Power-Of-Attorney-In-Fact have claimed the above ALL-CAPITAL-LETTER-NAMES, and SSNs created by the State Registrar. the STRAWMAN, OR LEGAL FICTION created under the CESTUI QUE VIE ACT IN 1666 and UNAM SANCTUM is now held in Trust.

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 2024-02-13 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: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/2023, US Bank made an unauthorized " hard inquiry '' from all XXXX major credit reporting agencies. I asked that the hard inquiry be removed from 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 non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The Privacy Act of 1974, as amended, provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. Secondly, inaccordance to 15 USC 6802 states we can opt out of anything. That law clearly states that I have the option to opt out of anything and companies are supposed to sendthis to us every month and I never recieved one from XXXX XXXX XXXX XXXX XXXX ( XXXX ) and or XXXXXXXX XXXX  According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise theirgrave responsibilities with fairness, impartiality, and a respect for the consumers rightto privacy. Your company is in clear violation of the law, under 15 U.S. Code 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) INGENERAL Subject to subsection ( c ) any consumer reporting agency may furnish aconsumer report under the following circumstances and no other : ( 2 ) In accordancewith the written instructions of the consumer to whom it relates. Did I give you writteninstructions to furnish all the above accounts on my credit report? Furthermore, theFAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from aconsumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided inparagraph ( 3 ), the term consumer report does not include- ( A ) Subject to section1681s-3 of this title, any- ( i ) report containing information solely as to transaction orexperiences between the consumer and the person making the report ; As statedabove, delete the above late payments AND account statuses from my consumerreport, this agency in in violation of 15 U.S. Code 1681.

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 2024-02-12 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: I.C. System, Inc.
State: TX

Complaint narrative:
These accounts contained in my credit report do not belong to me. The dates that the account were open I was not having my own residence. I have been XXXX  for the past XXXX months and my car has been my residence. The dates were XXXX XXXX  and XXXX. These accounts are fraudulent. .The accounts do not belong to me.

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 2024-02-13 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: GA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: AZ

Complaint narrative:
I just viewed my recent credit report from XX/XX/2024 and I discovered some inquiries that I did not authorize and also have no permissible purpose. I am now a victim of identify theft I have also attached the evidence. These inquiries have no permissible purpose to be on my report, delete these inquiries due to violation of 15 USC 1681b.

According to 15 USC 1681 : As the consumer I have the right to privacy and I did not give ANY written permission to furnish these accounts.

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 2024-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ

Complaint narrative:
This issue shows that I opened an account on XX/XX/2018 with First Bank of Omaha and that I owe them {$7100.00} for something I know nothing about. I have sent numerous letters to both XXXX XXXX  who is the debt collector listed on my report and the credit bureaus, as well as First Bank of Omaha. I have not received anything other than an Invoice from XXXX  XXXX  saying I owe {$7100.00}. I requested more information and instead of sending me the requested documents they actually updated my credit report to show as new debt and increased the amount. Lowering my score again. 

They have hit my credit report more than once for this alleged debt with no documents showing that I opened an account with them. I did not open an account with them I dont know why this is on 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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2024, I looked at my report, I sent a letter to Equifax on XX/XX/XXXX asking them to Reinvestigate these accounts. * ( XXXX ) XXXX XXXX XXXX, ( XXXX ) * XXXX XXXX XXXX XXXX, ( XXXX ) *State XXXX XXXX XXXX XXXX ( XXXX ) *State Employees XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same. And According to 15 USC 1681I ( 5 ) They are supposed to do this ( 5 ) Treatment of inaccurate information or Unverifiable information ( A ) in general, If, After any Reinvestigation under paragraph ( 1 ) of any information disputed by a Consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... ( I ) promptly delete that item of information from the file of the consumer, or modify that item ( s ) of information, as appropriate, based on the results of the Reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681eb they are supposed to ensure this ( B ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. And According to 15 USC 1681s-2 this is supposed to happen ( A ) Reporting information with actual Knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if... ( I ) the person has been notified by the consumer, at the address Specified by the person for such notices, that specific information is Inaccurate : and ( ii ) the information is, in fact INACCURATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
Complaint Regarding Credit Collection by XXXX, XXXX XXXX XXXX XXXX. on Behalf of XXXX Dear XXXX, I am writing to express my deep dissatisfaction and frustration with the handling of my credit account by your firm, XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

During the period of collection proceedings, I was facing significant health issues and undergoing tests for what I believed could have been XXXX XXXX. Understandably, this was an extremely distressing and challenging time for me, and attending court proceedings was not feasible given my health condition. 

In an effort to resolve the matter swiftly and mitigate any further stress, I made the decision to pay the full amount owed, despite my circumstances. However, despite fulfilling my obligation and settling the debt, I have observed that my credit score continues to suffer as a result of this incident. 

This ongoing negative impact on my credit not only affects me personally but also has repercussions for my family and my business. It is deeply concerning that despite my efforts to resolve the matter, my creditworthiness remains compromised, causing undue hardship and inconvenience. 

I urge you to investigate this matter thoroughly and take immediate steps to rectify the situation. I request that any negative reporting related to this account be removed promptly to restore the integrity of my credit profile. 

I appreciate your attention to this matter and expect a swift resolution to alleviate the undue burden placed on me and my livelihood. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX 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