vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: UT

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/2023 - BALANCE {$16000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Abbott Osborn Jacobs PLC
State: IA

Complaint narrative:
This company has taken drastic measures to garnish my wages without any prior notice, plunging me into significant financial hardship. The amount I owe has now doubled due to an additional garnishment, making this situation feel akin to theft, as it is unlawful to pursue a debt that hasn't been formally recognized. I reached out to XXXX XXXX XXXX for clarification regarding the debt, but the representative simply directed me to contact ABBOTT OSBORN JACOBS PLC with the number she provided. After enduring a long wait on hold, I opted to hang up and explore other options in the menu, only to be rerouted back to the same unanswered line. Frustrated by this ordeal, I have reported them to the Attorney General of XXXX. There are at least XXXX to XXXX complaints online regarding this issue, not just against them but also against the other company garnishing my wages. Many individuals have not received any notifications. Some claim they have never held credit cards, while others have settled debts in the past, and many are simply trying to pay to halt these exorbitant garnishments. XXXX and XXXX are frequently mentioned names associated with these so-called law firms or filing companies.This company has taken drastic measures to garnish my wages without any prior notice, plunging me into significant financial hardship. The amount I owe has now doubled due to an additional garnishment, making this situation feel akin to theft, as it is unlawful to pursue a debt that hasn't been formally recognized. I reached out to XXXX XXXX XXXX for clarification regarding the debt, but the representative simply directed me to contact ABBOTT OSBORN JACOBS PLC with the number she provided. After enduring a long wait on hold, I opted to hang up and explore other options in the menu, only to be rerouted back to the same unanswered line. Frustrated by this ordeal, I have reported them to the Attorney General of Iowa. There are at least XXXX to XXXX complaints online regarding this issue, not just against them but also against the other company garnishing my wages. Many individuals have not received any notifications. Some claim they have never held credit cards, while others have settled debts in the past, and many are simply trying to pay to halt these exorbitant garnishments. XXXX and XXXX are frequently mentioned names associated with these so-called law firms or filing companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: PA

Complaint narrative:
Pursuant to my rights under 15 U.S.C. 1692g, I am requestingg The originall purchase agreement between NATIONAL RECOVERY AGENCY and the original creditor, Account # XXXX proving legal authority to collect this debt. If failed to provide NATIONAL RECOVERY AGENCY has no legal authority to collectt or report this debt. Need this removed from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: OH

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 explanation
Consumer complaint received 2025-02-17 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: MO

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$37000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: IL

Complaint narrative:
i have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX  XXXX balance {$700.00}, XXXX XXXX {$570.00}, XXXX XXXX  XXXX {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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:
i have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX  XXXX balance {$700.00}, XXXX XXXX {$570.00}, XXXX XXXX  XXXX {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
The Credit Reporting agencies specifically TransUnion, XXXX, and XXXX has not required Portfolio Recovery to legally verify debts. This company is allowed to present documents with no signature as proof. They have removed information and then put it back on reports. This is also against the guidelines of the FCRA. How is it possible that EVERYTHING comes back verified. Consumers should know that these companies are paid by subscribers including debt collection agencies. XXXX XXXX has been sued and lost several times relating to fraudulent business practices.

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 2025-02-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
On Friday XX/XX/year> I received a notification from XXXX and XXXX through my credit monitoring subscriptions that there had been a new collection added to my credit report by a company listed as CREDENCE RESOURCE XXXX, representing AT & T in the amount of {$98.00}. I immediately disputed the said debt and shared with the collection agencies that I do not and have never had an account with XXXX XXXX XXXX. My disputes are currently open. The company NEVER sent me any type of correspondence via mail or by phone, giving me a chance to dispute or address the misinformation. Instead, they just placed it onto my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: NY

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report regarding the following account : - **Creditor Name** : XXXX XXXX XXXX XXXX  XXXX XXXX*Account Number** : XXXX ( Last Four Digits ) Upon reviewing my credit report, I have identified **several inaccuracies** in how this account has been reported : # # # Disputed Issues : XXXX. **Repeated Charge-Offs** : - The account is marked as **Charged Off ( C/O ) every month from XX/XX/year> to XXXX XXXX, which is **inaccurate reporting**. A charge-off should be reported once, not continuously, as this unfairly impacts my credit score.

2. **Date of Charge-Off Discrepancy** : - The report states that the **account was closed on XXXX but continues to report charge-offs months after closure. Once closed, charge-off reporting should not continue.

3. **Inconsistent Payment History** : - The account reflects XXXX days past due in XX/XX/year> and XXXX XXXX, yet previous months are marked as XXXX. If the account was in good standing before XX/XX/year>, how did it suddenly become 120 days past due? 
- I request verification and correction of this inconsistency. 

# # # Request for Correction : I kindly ask the credit bureau to : 1. **Remove repeated charge-offs from the account history** and ensure the **charge-off is reported only once**, as per credit reporting guidelines.

2. **Correct the inconsistent payment history** to accurately reflect when the account became delinquent.

3. **Verify and adjust the charge-off date** to reflect the true closure date of XXXX XXXX, XXXX, and ensure no charge-offs are reported after that date. 

I have attached a copy of my credit report with discrepancies highlighted. If the creditor can not validate the accuracy of this reporting, I request that these incorrect items be removed per the Fair Credit Reporting Act ( FCRA ). 
Please investigate this matter and provide me with a response within the legally required **30-day timeframe**.

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 2025-02-17 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: TX

Complaint narrative:
I lost my identity a while ago and when i learned about credit and pulled my report i noticed this account that is incorrect and i did not open the account. I would like it removed and updated please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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 lost my identity a while ago and when i learned about credit and pulled my report i noticed this account that is incorrect and i did not open the account. I would like it removed and updated please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: CA

Complaint narrative:
I couldnt believe it when I saw that there are inaccurate accounts on my credit report, dragging my score down. Its frustrating to think about how many opportunities I might have missed because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My Chase business account paid a XXXX account origin ID : XXXX the sum of {$XXXX} which occurred on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX for a total of {$XXXX}. I had to close my account and reopen a new one. The bank investigated 3 times and concluded it was a legit transaction and to contact XXXX. My business account with XXXX does not show these transactions and XXXX has refused to help. I always had my debit card with me and when I closed my account the card was destroyed by the bank. I have a new account and debit card. I did not do these transactions. It was a weekly withdrawal ; I have not employees. Someone should be able to tell me when this money left my bank where did it go. I need help to get my money back and file fraud charges to whom ever did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
My information was exposed in a data breach.

Under Section 605 A 15 U.S. Code 1618 C-1, Section 604 15 U.S. Code 1618 b, and Section 605 B 15 U.S. Code 1618 C-2, all fraudulent information needs be removed within 4 days. 

Please remove the following accounts : 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 Unauthorized Hard Inquiries : XXXX XXXX # ( Finance ) XXXX XXXX ( Auto ) XXXX  ( bank ) XXXX XXXX  ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX & # XXXX ; XXXX XXXX ( Auto ) XXXX  ( Finance ) XXXX  ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition all late payments must be removed.

It is illegal to report anything on my credit report without my permission. Please remove these negative items. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
My information was exposed in a data breach. 

Under Section 605 A 15 U.S. Code 1618 C-1, Section 604 15 U.S. Code 1618 b, and Section 605 B 15 U.S. Code 1618 C-2, all fraudulent information needs be removed within 4 days. 

Please remove the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SANTANDER XXXX Unauthorized Hard Inquiries : XXXX XXXXXXXX XXXX ( Finance 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition all late payments must be removed.

It is illegal to report anything on my credit report without my permission. Please remove these negative items. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: NJ

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, I would like this item immediately investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX  XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Please provide the name and business addresses of each individual with whom you verified the above so that I may follow up. Please send a copy of my credit report after your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: NJ

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, I would like this item immediately investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX  XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Please provide the name and business addresses of each individual with whom you verified the above so that I may follow up. Please send a copy of my credit report after your investigation.

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 2025-02-18 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: NJ

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, I would like this item immediately investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX  XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Please provide the name and business addresses of each individual with whom you verified the above so that I may follow up. Please send a copy of my credit report after your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Subject : Request for Removal of Inaccurate Information from Credit Report I am writing to formally request the removal of inaccurate information from my credit report. My name is XXXX XXXX and my Social Security XXXX is XXXX I have recently reviewed my credit report and found an entry that I believe is incorrect. 

The item in question is below This information is inaccurate as the times and address nis incorrect. 

Under the Fair Credit Reporting Act ( FCRA ), I can dispute any information I believe is inaccurate or incomplete. I kindly request that you investigate this matter and provide a written response regarding the outcome of your investigation.

Company response to consumer: Closed with explanation