vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-27 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: NY

Complaint narrative:
Subject : Inconsistent and Inaccurate Reporting by XXXX XXXXXXXX and XXXX Complaint Details : I am submitting this complaint regarding the inconsistent and inaccurate reporting of my debt by XXXX  XXXX ( Account Number : # XXXX ) and XXXX XXXX I demand a ESCALATION ON THIS INVESTIGATION because Despite providing proof of the discrepancies, XXXX continues to validate the debt as accurate. 

Inconsistencies : Last activity date : - XXXX : XX/XX/XXXX - Equifax : XX/XX/XXXX - XXXX  : XX/XX/XXXX Late payments : - XXXX : XXXX XX/XX/XXXX day late payments- Equifax and XXXX : XXXX 30-day late payment Payment history : - XXXX : 100 % payment history - Equifax : 98 % payment history - XXXX  : 93 % payment history Harm caused : Inaccurate reporting has negatively affected my credit score and ability to obtain credit. 
I have experienced emotional distress and frustration due to the lack of resolution despite providing proof of the discrepancies. 
I demand immediate escalation of this investigation and removal of the inaccurate information from my credit report. 

Request : Investigate XXXX XXXX and XXXX for inaccurate and inconsistent reporting. 
Require XXXX XXXX to provide proof of any late payments. 
Remove the inaccurate information from my credit report. 
Take appropriate actions to ensure the accuracy and consistency of credit reporting. 

I also demand proof of last payment or activity & written documents of each step took in this investigation. 

I will also like an explanation for the inconsistent reporting, including : Reason for different last activity dates across credit bureaus. 

" I am disputing the information reported by XXXX  XXXX on my credit report due to significant inconsistencies and inaccuracies. Specifically, the last activity date and late payment information are contradictory across credit bureaus, violating FCRA sections 605 ( a ) and 605 ( b ). Despite my previous disputes, XXXX  XXXX has failed to correct this information ( FCRA 623 ( a ) ( 1 ) ) and conduct a reasonable reinvestigation ( FCRA 623 ( a ) ( 2 ) ). I demand immediate correction and removal of the inaccurate information to rectify this situation and ensure my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I do not have a contract with this alledged creditor. I do not owe a debt to them. This company is violating FCRA laws by purposely reporting inaccurate, invalidated collections on my credit report. 15 usc 1666 protects consumers from fraudulent consumer reporting. I demand this account be deleted for violating my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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:
Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
This company claims I owe them the amount of {$1200.00} and {$1400.00}. I have NEVER signed any contracts or had any communications with this company. This is all invalid and inaccurate information. This is also illegally being reported on my consumer report which is causing damage to my consumer report and causing immense stress, XXXX, XXXX, and damage to my family and I. These inaccurate FALSE accounts on my consumer report is violating my consumer rights. As a consumer I have the Right to Privacy and I have the right to receive validation of this FALSE debt that is reporting on my consumer report. I DO NOT owe anything or have not signed any contracts and/or agreements with the company of Aaron Agency . I have consistently and constantly reached out to this company requesting Debt Validation, as well as demanding all inaccurate and FALSE information is removed from my consumer report however I have not received any remedy. My next step is involving the Attorney General as well as legal action.

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 2024-04-27 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: CA

Complaint narrative:
Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/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 non-monetary relief
Consumer complaint received 2024-04-27 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:
Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/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 2024-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-27 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: CO

Complaint narrative:
Certainly, here are two paragraphs emphasizing the removal based on fraud and deception by credit bureaus : I am writing to urgently address the fraudulent account XXXX, purportedly managed by XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. This account, which has been wrongly attributed to me, is a clear case of identity theft and fraudulent activity. Despite my repeated attempts to rectify this matter and provide evidence of the fraudulent nature of the account, these agencies have callously disregarded my rights and continued their collection efforts. Their persistent pursuit of collection on a fraudulent account demonstrates a flagrant violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, the credit bureaus ' involvement in perpetuating this deception by allowing such fraudulent accounts to remain on my credit report is deeply troubling. Despite being informed of the fraudulent nature of account XXXX and receiving evidence supporting my claim, the credit bureaus have failed to take appropriate action. Their negligence in addressing fraudulent accounts undermines the integrity of the credit reporting system and jeopardizes consumers ' financial well-being. Immediate action is imperative to remove this fraudulent account and rectify the damage caused by the credit bureaus ' inaction.

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 2024-04-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: CT

Complaint narrative:
This is a follow up to complaint # XXXX We were finally able to work with a manager, XXXX XXXX XXXX in resolving unapplied payments to our loan. We have been in phone contact and email since mid XXXX. He has given us verbal assurances that all unapplied payments, ( over {$30000.00} ) have been applied and any fees that were associated with that have been reversed. 
I have asked multiple time via phone and email, the latest being XX/XX/XXXX to provide us with a detailed print out of all applied monies and reversal of any fees. He has verbally stated that he would do so. When I last emailed him, he turned our case back over to the customer service pool. A representative, XXXX, called my husband on XX/XX/year> and assured him we would have a print out followed with a return phone call by the end of the week XX/XX/year>. As of XXXX XXXX, end of business on Friday, we do not have a statement or a phone call. I have emailed XXXX today, XX/XX/year> to once again request a full accounting of all payments applied and reversal of fees. 
At this point, I feel the company is not acting in good faith and is purposely withholding information regarding our account and our payment history in order to deceive us as a means to collect more interest. We have made it very clear to the company that we wish to get the matter settled and then get a payoff amount so we no longer have to deal with this unethical company. 
Any assistance on your part to help us would be greatly appreciated. 
XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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:
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. 

Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX  : Account XXXX Account Name XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX : Account XXXX 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 non-monetary relief
Consumer complaint received 2024-04-27 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:
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX INCORRECT ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, NV XXXX 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 non-monetary relief
Consumer complaint received 2024-04-27 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:
On XX/XX/2024 I sent out my formal complaints to XXXX, XXXX, and Transunion regarding the incorrect information that has been reported on my credit reports after sending out my round two disputes on around XX/XX/XXXX, Everything was sent out with a copy of my drivers license, social security number, utility bills, my name printed and my signature all sent certified mail. I received some letters back stating it was missing this information then received letters stating that my disputes have been received. I feel as though the credit bureaus are stalling to provide me with the requests that I have made or refusing to delete the inaccurate information based off the information. 

It has been well past the 30 days allowed for the credit companies to supply me with the information requested.

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 2024-04-27 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: NC

Complaint narrative:
I previously disputed this account with XXXX and XXXX XXXX XXXX XXXX XXXX. I let them know this account was not reporting accurately. According to the IRS when an account is charged off it is considered income, and according to the FCRA income can not be reported on your credit report. I received a 1099c ( CANCELLATION OF DEBT ) from XXXX in regard to the following charged off account. XXXX XXXX XXXX XXXX. XXXX XXXX southeast received a corresponding tax deduction for the uncollected amount associated with this charge off and I had to file the balance of {$3300.00} as income on my taxes! This account can no longer be reported to my credit report. This violates my rights per the FCRA, this is also tax fraud on XXXX 's part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: NC

Complaint narrative:
I previously disputed this account with XXXX and TransUnion XXXX XXXX XXXX XXXX. I let them know this account was not reporting accurately. According to the IRS when an account is charged off it is considered income, and according to the FCRA income can not be reported on your credit report. I received a 1099c ( CANCELLATION OF DEBT ) from XXXX in regard to the following charged off account. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  received a corresponding tax deduction for the uncollected amount associated with this charge off and I had to file the balance of {$3300.00} as income on my taxes! This account can no longer be reported to my credit report. This violates my rights per the FCRA, this is also tax fraud on XXXXXXXX XXXX part.

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 2024-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This is the matter in question : This is in reference to check number XXXX written on Chase online Bill pay for {$790.00} to XXXX XXXX XXXX XXXX on XX/XX/year>, ( PLEASE NOTE THE DATE ) by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, New Jersey XXXX XXXX XXXX XXXX XXXX never received this check, the check was never cashed by XXXX XXXX XXXX XXXX  nor was the check deposited into his account, also the check was never endorsed. However the check was deposited into a XXXX XXXX XXXX account, this was found out after contacting Chase Bank. 

Several claims were filed with Chase Bank XXXX XXXX XXXX was told after contacting Chase Bank they were waiting to hear from XXXX XXXX XXXXXXXX. As of today XXXX XXXX XXXX has not received a refund. Several contacts were made with Chase Bank since the original claims. XXXX XXXX XXXX was recently told the case was turned over to XXXX XXXX XXXXXXXX and they are waiting for a response. 

I would like to have a response in reference to this matter. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Barclays Bank Delaware Account XXXX Seems to be an unauthorized account on my consumer report that doesn't belong to me. I would like to remedy this situation by removing this account in totality from my consumer report as quickly as possible. This is affecting my chances to obtain future opportunities.

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 2024-04-27 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name XXXX XXXX XXXXXXXX : Account Number : XXXX INCORRECT ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX 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 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 2024-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On my credit reports it is showing me as an authorized user on a Home Depot Card account. I contacted the person I believed was responsible for the account, and they were unable to locate my information as an authorized user or to remove me from the account. 

I have attempted to call the Home Depot credit card information numbers- but it never allows me to speak to a person, and I am required to have the primary holders personal information for an account to be pulled up. 

I have never had access to a Home Depot Card, never had access to an online login to see, spend, manage or access information on any account. 

I am unable to contact the creditor due to everything being behind protected behind automated phone walls and a requirement of having account information and details I have never been privy too, and I am completely locked out of gaining any insight or access to this account. 

As an authorized user I should have the right to see information, access and manage accounts and communicate as appropriate. 

I have no dealings with this account and 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