vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: DE

Complaint narrative:
I am writing to file a formal complaint against National Credit Adjusters regarding their handling of a purported debt on my credit report. I have recently discovered an entry on my credit report from your agency, which alleges that I owe a debt of {$510.00} .However, I have not received any prior notification regarding this debt, nor have I been given an opportunity to address the account before it was reported to the credit bureaus.

According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with written notice of a debt within five days of initial contact. This notice should include information about the debt, including the name of the creditor, the amount owed, and the consumer 's rights to dispute the debt. However, I have not received any such notification from your agency.

Furthermore, I assert that I have not been given a fair opportunity to address the account before it was reported to the credit bureaus. As a consumer, I have the right to verify the accuracy of any debt reported on my credit report and to dispute any inaccuracies. However, your agency has failed to provide me with this opportunity.

In accordance with my rights under the FDCPA, I hereby request that you provide me with the Certified Mail Receipt containing my signature, which purportedly confirms that proper notification was sent to me. Additionally, I request that you provide me with detailed information about the alleged debt, including the name of the original creditor, the date of default, and the specific charges being claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account XXXX : XXXXXXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documentation? A few of the mentioned accounts contain inaccuracies, causing me distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) And Via The privacy act of 1774, my federally protected consumer rights to privecy and confidentiality as be violated 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 It also states a consumer reporting agency can not furnish a account without my written instructions. I am now opting out of any, and all authentication i the consumer may have given the Company written, and unwritten, verbal and nonverbal Via ( 15 USC 1602-1605 protection of public personal information ) The Account Ended in # XXXX is marked on my report as a charge off that is now considered a certificate of indebtedness that is now considered income by the IRS also income can not be reported to ones consumer report. Also Via 15 USC 1681B Permissble purposes indicates that information should be 100 % accurate the account has inaccurate dates, and payments history the law also states it is illegal to report transaction history via USC 1681 A section 2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) And Via The privacy act of 1774, my federally protected consumer rights to privecy and confidentiality as be violated 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 It also states a consumer reporting agency can not furnish a account without my written instructions. I am now opting out of any, and all authentication i the consumer may have given the Company written, and unwritten, verbal and nonverbal Via ( 15 USC 1602-1605 protection of public personal information ) The Account Ended in # XXXX is marked on my report as a charge off that is now considered a certificate of indebtedness that is now considered income by the IRS also income can not be reported to ones consumer report. Also Via 15 USC 1681B Permissble purposes indicates that information should be 100 % accurate the account has inaccurate dates, and payments history the law also states it is illegal to report transaction history via USC 1681 A section 2

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 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: DE

Complaint narrative:
I am writing to file a formal complaint against Jefferson Capital System regarding their handling of a purported debt on my credit report. I have recently discovered an entry on my credit report from your agency, which alleges that I owe a debt of {$630.00}. However, I have not received any prior notification regarding this debt, nor have I been given an opportunity to address the account before it was reported to the credit bureaus.

According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with written notice of a debt within five days of initial contact. This notice should include information about the debt, including the name of the creditor, the amount owed, and the consumer 's rights to dispute the debt. However, I have not received any such notification from your agency. 

Furthermore, I assert that I have not been given a fair opportunity to address the account before it was reported to the credit bureaus. As a consumer, I have the right to verify the accuracy of any debt reported on my credit report and to dispute any inaccuracies. However, your agency has failed to provide me with this opportunity. 

In accordance with my rights under the FDCPA, I hereby request that you provide me with the Certified Mail Receipt containing my signature, which purportedly confirms that proper notification was sent to me. Additionally, I request that you provide me with detailed information about the alleged debt, including the name of the original creditor, the date of default, and the specific charges being claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received the payrolls of {$2000.00} and {$340.00} posted on TD Bank, and I withdrew {$4000.00} and deposited money into Chase Bank to pay off my Chase credit card. I successfully opened an Amazon Prime credit card with Chase and paid it on time as always. 

On XX/XX/XXXX, I received the payrolls of {$2100.00} and {$670.00}, which were posted on TD Bank. I took {$4200.00} and deposited it into Chase bank to pay off my credit card. 

The tax has been withheld from both the deposited funds ( {$4000.00} and {$4200.00} ), and the money is legal. 

I've been a faithful Chase customer and Amazon and the XXXX XXXX XXXX. Please do not cancel my accounts ; I have applied for Chase checks, and I can transfer payroll from TD to Chase. I didn't open a TD bank credit card because I was afraid of any impact on my credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CO

Complaint narrative:
Am writing to express my utmost concern and dissatisfaction regarding the withholding of the funds in my Square account. As of XXXX/2022 I got notified by square that my account has been deactivated and my square balance totaling {$98000.00} will be held for a period of 90 days, right now its over 16 months and my funds is still being held by square which is causing significant financial strain and impeding my ability to conduct business effectively. 

Despite my repeated attempts to address this issue through your customer support channels, I have encountered nothing but delays and unhelpful responses. I urgently demand the immediate release of my funds in full. 

The impact of this hold on my business can not be overstated, and it is imperative that this matter is resolved with the utmost urgency. Failure to do so will leave me with no choice but to seek legal counsel and pursue all available avenues for resolution. 

I trust that you will prioritize this complaint and take immediate action to rectify the situation. I look forward to a prompt response and the release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID, Proof of Address with my most recent billandSSNCard.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID, Proof of Address with my most recent billandSSNCard.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to dispute several hard inquiries that appear on my XXXX credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : 1. XXXX  XXXX ( Bank ) XX/XX/2024 2024

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to dispute several hard inquiries that appear on my Equifax credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I recently reviewed my credit reports and it shows inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I recently reviewed my credit reports and it shows inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: OR

Complaint narrative:
ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX LAST 4 of XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : Subject : Opt-Out Request under 15 U.S.C. 6802 DeaXXXX XXXX XXXX XXXX XXXX I am writing to formally request that XXXX XXXX XXXX XXXX cease and desist from sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies, as outlined under 15 U.S.C. 6802. 

As a consumer, I am well aware of my rights to privacy and the protection of my personal information under federal law. According to the provisions outlined in 15 U.S.C. 6802, financial institutions are required to adhere to strict guidelines regarding the disclosure of nonpublic personal information to third parties. 

Upon review of my records, I have become aware that XXXX XXXX XXXX XXXX has been sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies without my explicit consent. This action is in direct violation of the regulations set forth in 15 U.S.C. 6802 and is unacceptable. 

I hereby demand that XXXX XXXXXXXX XXXX XXXX immediately cease and desist from any further sharing or disclosure of my nonpublic personal information to non-affiliated third parties and consumer reporting agencies. Furthermore, I request confirmation in writing that such actions have ceased, along with the assurance that my personal information will be handled in accordance with federal law moving forward. 

Failure to comply with this request will leave me no choice but to pursue legal action to ensure the protection of my rights and the safeguarding of my personal information. 
Thank you for your prompt attention to this matter. I expect a response within 30 days of the receipt of this letter. 

Sincerely, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief