vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've had credit alerts and a freeze on my reports but there's been constant fraud with my credit reports and refusal of investigation of any form even after mailing in a police report proving identity theft and credit freezes/alerts for the past XXXX years. 
I just received a call this morning from a lender that a loan was approved in my name this morning. I had just woken up a few minutes prior to this call and I haven't applied for anything.

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 2024-05-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX CFPB Consumer Financial Protection Bureau XXXXXX/XX/XXXX, Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by THE US DEPARTMENT OF EDUCATIONXXXX XXXX The items reported by this agency shall be removed to show my true credit history. This request is supported under XXXX XXXX XXXX - Notice to validate debts of the Fair Credit Reporting Act. Under the Fair Credit Reporting Act, a creditor/agency has XX/XX/XXXX days from the receipt of the initial letter requesting verification of the entries that are being reported to a credit report. According to this law, failure to verify the items within XXXX ( XXXX ) days constitutes a reason to remove the information from my file completely. 

The initial request under XXXX XXXX XXXX - Notice for validation of debts was sent XX/XX/XXXX and received by XXXX on XX/XX/XXXX. The US DEPARTMENT OF EDUCATIONXXXX did respond to the initial request to verify the accounts below however, the date of the response letter was XX/XX/XXXX and XX/XX/XXXX, which was outside of the legal XXXX period that is required. Furthermore, the information that was provided was not any information that is associated with me or that I recognized. Under XXXX XXXX XXXX - Discharge for false certification ofXX/XX/XXXX eligibility or unauthorized payment, THE US DEPARTMENT OF EDUCATIONXXXX shall remove these entries from my credit profile. 


As required by the Act, I demand that these items below shall be removed immediately from my credit profile, due to the unlawful validation process and the unauthorized nature of these accounts. 


XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX XXXX {$14000.00} XXXX. XXXX XXXX XXXX XXXX {$28000.00} XXXX. XXXX XXXX XXXX XXXX {$5300.00} Finally, please send me the names and contact information of all the individuals you contacted, so that I may follow up with them directly. Thank you for your assistance in this matter. 



Kind regards, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX CFPB Consumer Financial Protection Bureau XX/XX/XXXX Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by THE US DEPARTMENT OF EDUCATIONXXXX XXXX The items reported by this agency shall be removed to show my true credit history. This request is supported under XXXX XXXX XXXX - Notice to validate debts of the Fair Credit Reporting Act. Under the Fair Credit Reporting Act, a creditor/agency hasXX/XX/XXXX days from the receipt of the initial letter requesting verification of the entries that are being reported to a credit report. According to this law, failure to verify the items within XXXX ( XXXX ) days constitutes a reason to remove the information from my file completely. 

The initial request under XXXX XXXX XXXX - Notice for validation of debts was sent XX/XX/XXXX and received by XXXX on XX/XX/XXXX. The US DEPARTMENT OF EDUCATIONXXXX did respond to the initial request to verify the accounts below however, the date of the response letter was XX/XX/XXXX and XX/XX/XXXX, which was outside of the legal XXXX period that is required. Furthermore, the information that was provided was not any information that is associated with me or that I recognized. Under XXXX XXXX XXXX - Discharge for false certification of XX/XX/XXXXt eligibility or unauthorized payment, THE US DEPARTMENT OF EDUCATIONXXXX shall remove these entries from my credit profile. 


As required by the Act, I demand that these items below shall be removed immediately from my credit profile, due to the unlawful validation process and the unauthorized nature of these accounts. 


XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX XXXX {$14000.00} XXXX. XXXX XXXX XXXX XXXX {$28000.00} XXXX. XXXX XXXX XXXX XXXX {$5300.00} Finally, please send me the names and contact information of all the individuals you contacted, so that I may follow up with them directly. Thank you for your assistance in this matter. 



Kind regards, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-05-03 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: NC

Complaint narrative:
I notified Equifax that I was a victim of identity theft and asked for unauthorized inquiries and identity theft-associated accounts to be blocked and removed. The accounts were removed but the inquiries remain and I received a letter stating inquiries are factual I then asked Equifax for information regarding how these inquiries were verified as factual specifically Per 15 U.S. Code 1681, it is Congress 's finding that the accuracy and fairness of credit reporting are crucial for the banking system 's efficiency and public confidence. Consumer reporting agencies, such as Equifax, have a grave responsibility to ensure fairness, impartiality, and respect for consumers ' privacy. 

Therefore, under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), Equifax is mandated to furnish consumers with a detailed description of the procedure used to determine the accuracy and completeness of disputed information, including the business name, address, and telephone number of any information furnisher contacted. 

Furthermore, according to 15 U.S. Code 1681i ( a ) ( 7 ), Equifax is required to provide consumers with a description of the reinvestigation procedure within 15 days of receiving a request for such information. 

I have not received a response to my request from Equifax. As a result, I believe that my consumer rights are being violated. Additionally, I have noticed that my credit report had old inquiries that were previously removed added back to my report, and then removed again. This raises serious concerns about Equifax 's compliance with the Fair Credit Reporting Act ( FCRA ). 

I previously made a complaint about this company, but they responded by saying they couldn't find my file. As I have an active account with them, it is clear that Equifax is not taking compliance seriously. 

the inquiries are below XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VI

Complaint narrative:
I am not a Venmo user, however, on XX/XX/year>, at XXXX, I received an email from XXXX XXXX XXXX {$99.00} from the email XXXX. 

The email offered to call ( XXXX ) XXXX if fraud was suspected. I do not know the person requesting funds and I do not trust this email sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 2024-05-03 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: CA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for 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 2024-05-03 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: CA

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 XXXX XXXX XXXX. 

Account NameXX/XX/XXXXAccount XXXX Account Name : XX/XX/XXXX Account XXXX Account Name :XX/XX/XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXXXX/XX/XXXXXXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXX/XX/XXXXXXXX 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 XXXX years. 

XX/XX/XXXXA person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: CA

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 XXXX XXXX XXXX. 

Account Name : XX/XX/XXXXAccount XXXX Account Name XX/XX/XXXX Account XXXX Account Name :XX/XX/XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXXXX/XX/XXXXStates I have the right to privacy. 

XXXXXX/XX/XXXX : It also states a consumer reporting agency can not furnish a account without my written instructionsXX/XX/XXXXXX/XX/XXXX : 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 recordXX/XX/XXXXwhich antedates the report by more than XXXX years. 

XX/XX/XXXXA 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 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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am writing to dispute the inaccurate information furnished on my consumer report that your agency has provided to third parties. The presence of inaccurate information on my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ) as specified in 15 USC 1681. The specific violations under the FCRA include 15 USC 1681 ( e ) ( b ) and 15 USC 1681s-2. 
I have thoroughly reviewed the consumer report that I obtained from your agency, and I have identified several items that are factually incorrect and detrimental to my creditworthiness. These inaccuracies have caused severe financial harm and have negatively impacted my ability to secure loans and credit on fair terms. You've violated my rights by reporting balances and the company names that were included in my bk. These accounts has been discharged and shouldn't be on my credit report. A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, I am requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ).

Furthermore, as per 15 USC 1681s-2, I request that you promptly notify the data furnishers associated with the disputed information about my dispute. They are providing inaccurate information and under 15 USC 1681s-2 they are prohibited by law to furnish information that they know is in accurate or have reason to believe is in accurate.For damages I am invoking my rights as a consumer pursuant 15USC1681 ( n ) civil liability and I demand compensation for every violation listed below ; XXXX. Permissible purpose {$1000.00} XXXX. Defamation of character {$1000.00} XXXX. Damaged reputation {$1000.00} XXXX. Damaged credit worthiness {$1000.00} XXXX. Damaged mode of living {$1000.00} XXXX. Infringed on right to privacy {$1000.00} Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete these accounts from my consumer report and all your systems.

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 2024-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Last year 2023 CHASE unbeknownst to us withdrew a fee that was erroneous and didnt apply to the terms of our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
This in regards to financing I took out with Service Finance Company , LLC. On XX/XX/XXXX I sent a check for the balance of the loan, {$7600.00}. On XX/XX/XXXX I received notice from my bank the check had been cashed. ON XX/XX/XXXX I received a debt collection notice stating my account was 31 days past due and that I owed {$450.00} by XX/XX/XXXX. I immediately called and was transferred to a person named XXXX who explained I still owned approx. {$350.00} because of interest. I curtly informed him that was not true as my check was in the mail on XX/XX/XXXX. He said he would see what he could do. After a few minutes, he came back and let me know that they would forgo the {$350.00} and I would just have to pay a late fee of {$10.00}. I very directly refused to pay them a XXXX more and told them I know what they are doing and demanded them send me a receipt that shows this loan payed in full. I also told them I will be filing a complaint with the CFBP and if I threatened legal action if I receive any more debt notices or if any late fees or collection shows up on 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 explanation
Consumer complaint received 2024-05-03 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: GA

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEAR ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
I received an alert on my credit file that Jefferson Capital Systems has placed a collection on my account without any information sent to me regarding the validation of the account. I have never done business with this company and do not owe them any money. 

They claim I owe {$1400.00} and do not list what this is for at all on my credit report. Any " unknown '' and unidentified information needs to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: NC

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 2024-05-03 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: TN

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