vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a personal credit card account opened at XXXX XXXX Bank on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened atXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, a personal phone account with XXXX XXXX opened XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collections account opened at XXXX on XX/XX/XXXX with a balance of {$560.00}, a collections account opened at XXXX  XXXX  on XX/XX/XXXX with a glance of {$61.00}, a collections account opened at XXXX collections on XX/XX/XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$12000.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$690.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00}. These accounts 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 # 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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-09-09 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: OH

Complaint narrative:
Several unrecognizable and unauthorized hard inquiries appear on my report. Ranging from XXXX. 

XX/XX/year> XX/XX/year> etc Random mortgage companies.

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

Complaint narrative:
Hello, please carefully check and read this complaint, as there are highly questionable and inaccurate items being reported on my credit, this is absolutely frustrating. This is negatively affecting my life and scores which is so unfair it is stressing me out.

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 2024-09-09 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-09 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
Attempted to sign up for account for ChexSystem 's consumer portal. After having numerous issues, I was able to get past the information submission part. However, after, I am now unable to continue further due to the website " Unable to generate security questions '' for me. When calling for further help, I was given a number to contact, with them also being confused and unaware of how to assist with 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 2024-09-09 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have been dealing with the most unscrupulous creditor who has reported XXXX different accounts on my XXXX credit bureaus, LVNV Funding LLC. The XXXX accounts reported by LVNV show that they are the " original creditor '' and accounts opened on XX/XX/XXXX and XX/XX/XXXX. Account one on XX/XX/XXXX for {$870.00} and the second on XX/XX/XXXX for {$440.00}. 
I have sent letters to all XXXX  bureaus disputing the aforementioned accounts and requested they provide me with the origination documents, payments, statements, etc. I am the victim of serious identity theft, doxxing, and fraud, all of which I have provided proof to the XXXX credit bureaus and applied a freeze to my accounts with each. LVNV has provided nothing and continues to report false and inaccurate information for well over a year. The identity theft I have been subject to caused financial disparity with all my banking, credit cards, utility accounts, social media, and the fraudulent use of my identity in opening of fraudulent accounts. I have attached all relevant information showing the identity theft and steps taken to recover from the disparagement, yet LVNV Funding continues to be part of the problem. After a year of having my case investigated by the IC3 ( FBI ) and finding the perpetrators, I have filed a civil case for Fraud, identity theft, and violations under the " Right to Reputation '' civil protection laws in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
In your previous letter you state : As shown in the enclosed transaction history, you have been inconsistent in making timely payments. OneMain disagrees that the Fair Credit Reporting Act ( FCRA ) does not permit OneMain to report your account or the payment history for your account. 

According to The XXXX XXXX XXXX my consumer report should not contain information solely as to transactions or experience between the consumer and the person making the report. So once again I will ask, how can your company furnish any transactional history on my consumer report when the law clearly states that this is excluded from my consumer report? A payment history is a reflection of a transactional history, but if this information is excluded from my consumer report by law, how can you furnish a payment history or furnish a payment as late if this information is excluded? 
The FCRA under 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusion from a consumer report clearly states : ( 2 ) EXCLUSION- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681b-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; In your responding letter on XX/XX/ 2024, OneMain disagreed that your company failed to notify me of negative items being reported. You claim you have provided me with a notice of a monthly billing statement showing this negative information. 

In my response, I have not received any notice or any monthly billing statements from XXXX. I request that OneMain show me PROOF where I received these monthly statements that you are claiming you sent me. Can you show me PROOF where these monthly statements were delivered to my address. Can you provide me a tracking number showing these monthly statements were delivered to my address above prior to or no later than XXXX  days after furnishing negative information. I request Proof, and if you can not provide me with proof, I demand this account be removed from my consumer report. 

Any financial institution that regularly furnishes information to a nationwide consumer reporting agency must provide a notice to a consumer in writing prior to or no later than XXXX  days after furnishing negative information to such an agency. The Negative Information Notice is a requirement of Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act. This rule requires financial institutions to provide consumers with a notice that negative information may be provided to a consumer reporting agency. I demand you show me PROOF where you sent me a notice prior to or no later than XXXX  days of furnishing negative items on my consumer reports. This is a clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have opened the business bank account with Chase. They have a XXXX  function which allow my business to receive the credit card payments from my customers. I used it for one day ( XX/XX/year> ). Then, they deactivated my XXXX  the next day. 
The money I received from the card payments is supposed to deposit into my Chase business account the next business day. However, it did not happen. 
I contacted their customer service on XX/XX/year>. They did not have an answer for me. They advised me to file a dispute online. 
I came to local Chase branch on XX/XX/year> trying to solve the problem. The banker tried to get the answer from their merchant service, and they told us they will hold my money for XXXX without specific reasons. 
The total amount I received on XX/XX/year> is {$310.00}. The fee is {$8.00}. Therefore, the total amount I support to get from them is {$300.00}. 
I believe they are holding my money against my will for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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:
My personal identifiers have been used without my consent to open up multiple accounts. I have filed a FTC 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 2024-09-09 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:
My personal identifiers have been used without my consent to open up multiple accounts. I have filed a FTC 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 2024-09-09 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: AL

Complaint narrative:
I am writing to formally express my concern regarding multiple disputed accounts on my credit report, which I have repeatedly requested be thoroughly investigated. Despite my previous efforts, no resolution or corrective action has been taken. These inaccuracies are significantly damaging my credit file and impeding my ability to manage essential aspects of my financial life. 

The negative impact of these errors has caused considerable hardships, and I urgently seek your assistance in rectifying this matter. I request that you promptly conduct a detailed investigation into the reporting of each disputed account and take all necessary steps to correct and update my credit report without further delay. 

Restoring the accuracy and integrity of my credit file is crucial for me to regain control over my financial stability, and I trust in your support and swift action to help resolve this matter. I would deeply appreciate your cooperation in resolving these issues as soon as possible. 

Thank you for your attention to this matter. I look forward to receiving confirmation of your investigation and the corrections made to 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 non-monetary relief
Consumer complaint received 2024-09-09 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: IL

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 XXXX  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 XXXX  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 explanation
Consumer complaint received 2024-09-09 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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:
I am the author of this complaint and I checked my credit report and noticed some student loan accounts that I did not open. These accounts are fraudulent and have been reporting on my credit report. I have filed an identity theft report and attached it below. I am asking that the credit bureaus remove these accounts from my credit report 15 USC 1681a

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 2024-09-09 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:
I am the author of this complaint and I checked my credit report and noticed some student loan accounts that I did not open. These accounts are fraudulent and have been reporting on my credit report. I have filed an identity theft report and attached it below. I am asking that the credit bureaus remove these accounts from my credit report 15 USC 1681a

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
XX/XX/year> I needed to move for a new work opportunity. Most property management companies wanted access to a credit report and I granted it. Because I hadn't checked my report myself lately, I requested a copy. After receiving it XX/XX/year> I was dismayed to discover a collection record report had been added to my credit report with all three major reporting agencies. A company called Transworld System Inc had purchased a " seriously past due account assigned to attorney, collection agency, or credit grantor 's public collection department '' from XXXX XXXX XXXX XXXX. I popped XXXX XXXX XXXX XXXX into my search engine and discovered that they're an electric service utility with headquarters in Texas. 
Upon calling their listed phone number the representative for the utility notified me that they couldn't help me without an account number, ( which I didn't have since I haven't ever lived within any of their service areas or had an account with them ) drivers license, or SS #. I opted to give the rep my drivers license #. After a few seconds the representative wanted to know my SS # at which point I assumed that they either didn't have any records with my name or were fishing. 
XXXX I followed up with filing an email dispute to XXXX after failing the security questions etc. of both XXXX and XXXX. 
XX/XX/year> Made time to break from studying for a career test, unloading/unpacking, and the general mayhem of moving to a new area to start a new job, I checked the status to find that XXXX had no record of me filing the dispute. Which prompted me to call all three credit reporting agencies and file a fraud/identity theft report with the FTC and XXXX. This was a full 8 hour day of call waiting resubmitting and submitting two more disputes, filling out an FTC report and then uploading it per XXXX request. 
I believe that Transworld System Inc. is making a false claim hoping for payment for a purchased debt investment that they know doesn't have any connection to me. This conclusion is due to a : The debt was accrued at a company that has no record of me or my name. b : The multiple complaints I found in a 2 minute search of their name and complaints against them are consistent with them regularly practicing that tactic as part of their financial gains practices.

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

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 {$XXXX} per violation, for account listed without my express
ed 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 non-monetary relief