vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of 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 2024-09-06 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: EQUIFAX, INC.
State: PA

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 2024-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the 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 2024-09-06 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: NJ

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: TX

Complaint narrative:
I XXXX XXXX hereby files a complaint against a debt buyer hereinafter called XXXX XXXX XXXXXXXX XXXX officially registered as a financial service organization within the state of Texas. I have attached a copy of my Experian credit post that shows as a debt originator and servicer that the debt never belonged to me. I desire my rights as a consumer to be protected under the Fair and Accurate Credit Transaction Act ( FACTA ). As a Texas bonded agent in the collection of its own procured debts, XXXX XXXX did not follow protocol pertaining to the identity theft matter that I filed as a police report on XX/XX/year>. Under FACTA guidelines, once an identity theft protest has been established, the creditor or debt collector must remove the protested item and complain about its own validity investigation. The police report was put together with details, as my identity was stolen and used for credit cards and one vehicle loan. On each of those occasions, the original creditor and/or its third-party interest deleted the credit tradeline from each respective credit bureau. Under XXXX, I demand that XXXX XXXX remove each false debt buyer collection permanently. A report on any negative response will be reported to the Office of Attorney General, state of Texas.

( 3 ) IDENTITY THEFT.The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Commission may prescribe, by regulation. ( 4 ) IDENTITY THEFT REPORT.The term identity theft report has the meaning given that term by rule of the Commission, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Commission ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false.

Accordingly, the complaint I am submitting is valid, the collection is not and must be deleted permanently from Experian respectfully. 

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 explanation
Consumer complaint received 2024-09-06 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: NY

Complaint narrative:
My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX my Chase credit and debit cards were added to an XXXXXXXX XXXX that I did not authorize. I do not have an XXXXXXXX XXXX  as I do not own any XXXXXXXX XXXX. I did not notice this until I was charged through that XXXX XXXX  on XX/XX/XXXX for 3 transactions for a XXXX XXXX XXXX XXXX XXXX XXXX I have never been to Ohio and live in California. I reported the debit transaction that same day and the credit card one on the XXXX. I was issued a temporary credit for my debit. As of now, I have been reimbursed for the credit card transactions, however, Chase denied my claim for the debit card transaction of {$170.00} on the grounds that no devices had been recently added. However, I can see that an XXXX XXXX XXXX was added to my account on the XXXX. After calling XXXX, they confirmed that the XXXXXXXX XXXX was not tied to my XXXX XXXX XXXX which has no devices on it because I don't own an XXXX XXXX XXXX. Therefore someone used my cards and information on their own XXXX XXXX XXXX  Chase has continued to deny my claim after multiple phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: IN

Complaint narrative:
XXXX by 12 CFR 1006.34 ( B ) ( XXXX ) yet they have proceeded to place a collection account on my consumer report. The omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 
XXXX. I have not been offered the opportunity to dispute the account in accordance with. 
12 CFR 1006.34C ( XXXX ) ( XXXX ) this denial of the dispute process to me of my rights to challenge and accuracy or discrepancy regarding the ledge debt. 
XXXX. Caine & Weiner has resorted to false, misleading and deceptive means in their collection efforts therefore violating my consumer rights, such unethical practices, undermine the integrity of debt collection process, and calls undo distress to consumers. 
XXXX. For the more the agency lacks the authority to furnish my account to consumers reporting agencies without adhering to the necessary, disclosures, mandated by law by neglecting to their obligations under 12 CFR 1006.34 ( d ) and 15 USC 16812 ( XXXX ) ( A ). Caine & Weiner is flagrantly disregarding consumer protection statues. I demand that the consumer financial protection bureau investigates these egregious violations that are placed on my consumer report no later than XXXX days starting today XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: NC

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

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

Company 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 2024-09-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Disputed negative accounts on my credit report due to erroneous reporting by the credit bureau. I asked them to validate the debt by mail within 30 days or remove the negative accounts from my report. I did not receive anything by mail or email. The negative accounts are still reporting on my credit report. I also called to get personal information updated that is reporting incorrect and that was not done.

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 2024-09-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
Hello my name is XXXX XXXX and I am contacting you because I stayed at the XXXX on XXXX XXXX and I use my cash app card to pay for my room which came out to {$400.00} with a return of XXXX when I checked out, So once I checked out I called XXXX today on XXXX XXXX to see had they took the hold off so i could get my security deposit back and they said yes they had released it on the XXXX of XX/XX/2024 and now it was up for cash app to put it back on my card, Which I contacted cash app at XXXX who I spoke to XXXX, XXXX before I ask to speak to a manager which after XXXX minutes a manager came on by the name of XXXX so after explaining the situation that XXXX and XXXX XXXX said XXXX released my money I would have to send my receipts or invoice from XXXX with the merchant name, contact number and it showing I didn't owe anything and the amount which I did so XXXX the manager proceeds to tell me yes usually we put the money back on once we receive the information we ask but it can take up to 30 days for us to released your money and if by then you still haven't received if call us back and will investigate and I'm not happy with that went through this with cash app last year and I thought by them they would gave their stuff together but apparently not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: NC

Complaint narrative:
Subject : Dispute of Verified Accounts and Request for Method of Verification under FCRA 611 ( 15 U.S.C. 1681i ) CFPB dispute number XXXX and XXXX and XXXX Dear CFPB, I am writing to formally dispute the accuracy of certain items on my credit report, which were previously verified by the credit reporting agencies. Despite my initial complaint, the credit reporting agencies have failed to provide adequate verification of the disputed items. Therefore, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and requesting a reinvestigation of the disputed items.

According to FCRA 611, the credit reporting agencies are required to verify the source of the information they used to return a " verified '' response to my initial complaint. Since the credit reporting agencies did not contact the Federal Trade Commission ( FTC ) to verify the underlying facts alleged in my identity theft affidavit, they have failed to disclose the source of their initial " verified '' response. 

I request that the credit reporting agencies either : 1. Verify the source of the information used to return a " verified '' response to my initial complaint, or 2. Delete all contested items from the credit report they maintain.

Failure to comply with this request will result in the credit reporting agencies being held accountable for willful noncompliance and negligent noncompliance with the FCRA. This includes compensating me for all credit denials attributable to the contested items in question. 

Please provide me with written confirmation of the actions taken regarding my dispute within 3 days. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation