vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX limited liability company, opened a checking account on XX/XX/2024, at the Chase branch located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( the Chase XXXX Branch ). Authorized signatories on the account were XXXX XXXX XXXX and his wife, XXXX XXXX XXXX XXXX. During the account opening, XXXX XXXX disclosed to XXXX XXXX XXXX, the bank representative, that she was awaiting her Social Security number. XXXX XXXX indicated this would not pose a problem and proceeded to open the account. 

On XX/XX/2024XXXX XXXX XXXX XXXX XXXX  received a wire transfer of {$59000.00}, followed by a second transfer of {$40000.00} on XX/XX/2024. These funds were designated for purchasing supplies for XXXX, a reputable XXXX company represented by XXXX XXXX XXXX XXXX XXXX. Subsequently, XXXX XXXX XXXX XXXX  withdrew most of the funds to avoid unintended transactions after canceling a wire transfer. At the advice of a Chase XXXX representative, XXXX XXXX refrained from redepositing the funds until he received confirmation of the cancellation. Once confirmed, the funds were redeposited and used for intended purchases on XX/XX/XXXX and XXXX XXXX. 

On XX/XX/2024, Chase issued a letter restricting the account, requesting verification of recent activity. When XXXX XXXX contacted Chase, he was informed that XXXX XXXX XXXX needed to confirm the first XXXX wire transfers made into XXXX XXXX XXXX XXXX  account. Upon learning she resided in XXXX, Chase representatives claimed they could not contact her directly. XXXX XXXX subsequently visited the Chase XXXX XXXX, where the XXXX, XXXX XXXX XXXX, advised him the account was closed due to XXXX XXXX lack of a Social Security number ( a completely different reason from the XXXX provided by Chase when XXXX XXXX contacted them over the phone ). The branch XXXX indicated this issue could be resolved by removing XXXX XXXX from the account. XXXX XXXX complied and was assured that a check for the account balance would be mailed within XXXX business days. 
Despite repeated follow-ups, Chase has refused to release the funds, citing the inability to verify the wire senders identity. Thereafter, at Chases direction, XXXX XXXX XXXX initiated a wire recall through her bank, XXXX XXXX, but Chase denied the recall, claiming the account closure prevented the transaction ( see attachment ). Further attempts to resolve this matter, including meetings with XXXX XXXX XXXX and daily phone calls to the wire and fraud department have also been unproductive. To date, Chase has provided no justification for withholding the funds, while the damages resulting from Chases wrongful retention of XXXX XXXX XXXX XXXX money continues to escalate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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 XXXX Account # : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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 2025-01-02 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: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
XXXX XXXX wrote off a debt. Sold the debt to multiple third parties. Harris & Harris LTD and XXXX XXXX. Multiple parties are trying to collect XXXX debt and reporting on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 XXXX ( 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 XXXX 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 2025-01-02 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: 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 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 2025-01-02 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: FL

Complaint narrative:
This is my XXXX attempt I am interested in processing disputes for inaccuracy on my credit report an inaccurate accounts thats not mines reporting to my credit report. These accounts do not follow the FCRA rules. I am a victim of identity theft I have no knowledge of invalid accounts listed. Please review an remove the accounts listed in the dispute to clear and correct my credit report asap

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 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
The company is playing a manipulation game with the principal, interest and escrow without the knowledge of the borrower and without responding to borrower 's concerns. 

See attached emails, and attached manipulation of principal, interest, and escrow, all increased artificially.

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 2025-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This was a third party company that got a hold of my new phone number that isnt tied to anything that has to due with credit card accounts or debt. I just got this number and this company portfolio recovery retrieved my number. Telling me I need to pay them for a collections tied to a XXXX XXXXXXXX credit line. When I have checked in my XXXX credit that it had been closed out. So in my assumption my information have been sold to them. Even my new number. That I just got the end of XXXX. How is this possible? My old number is tied to so many different things. I haven't even setup this new number just yet to anything. They had my information of my old home as well. They have been persistent calling and they had sent an email with different information with a different phone number to it. So this seem more of telemarketing collect. I have screenshots of the email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I have {$30.00} of interest in my account that should not be on there. This is my third complaint and the company is not answering ny emails. I should not have any interest accrued on my account. I'm not talking about {$200.00} payment I just made. Before the courts blocked the XXXX Plan, I had $ 0 monthly payments due to my XXXX. Based on that I should not have any accumulated interest in my account. 

No where on my account does it show I have accumulates capitalized interest. And I should not have any. If you view the screenshot, I have attached. It says I have {$0.00} capitalized interest across the board.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: CA

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: CA

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer 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 2025-01-02 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of These fraudulent accounts include personal credit card with XXXX XXXX XXXX on XXXX, apartment with XXXX XXXX XXXXXXXX that lead to collection with XXXX XXXX XXXX on XXXX with a balance of {$2200.00}, with XXXX XXXX that led to XXXX XXXX XXXX XXXX ) and XXXX XXXX on XXXX with a balance of {$390.00}, a personal credit card with XXXX XXXX  XXXX with a balance of {$970.00}, a personal loan with XXXX XXXX on XXXX for a balance of {$1500.00}, a subscription of XXXX XXXX that led to collection with XXXX XXXX XXXXXXXX XXXX XXXX with a balance of {$370.00}, an auto loan with XXXX XXXX  that led to collection with XXXX XXXX XXXX with a balance of {$8000.00} and XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax is reporting a medical debt that is not mine and is against FCRA which they are in violation of, reporting a medical debt from merchants credit. If asked moth equifax and merchant credit to provide how they verified the account was mine and they cant because its against hippa to provide medical data even billing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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:
I was part of XXXX XXXX XXXX Breach Settlement, and I am filling this FTC Identity Theft Affidavit to report separate accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened XX/XX/XXXX at XXXX  XXXX, a number of personal loans open from XXXX open XXXX, XXXXXXXX XXXX XXXX opened XX/XX/XXXX, and the collection XXXX XXXX XXXX opened XX/XX/XXXX. These accounts have resulted in fraudulent accounts and collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

I have attached a list of the fraudulent accounts and collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, and collections appearing on my consumer report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts or collections are the result of identity theft and fraud. I have attached a copy of FTC Identify Theft Criminal Complaint case number as proof form the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiry are result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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