vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-12 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX FTC AFFIDAVIT # XXXX Subject : Identity Theft Dispute under FCRA 605B To Whom It May Concern, I am writing to formally dispute fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ) 605B, due to identity theft. The accounts listed below do not belong to me and were fraudulently opened using my personal information. I have attached a copy of my Identity Theft Report, as well as supporting documents, including a government-issued ID and proof of address. Pursuant to 605B of the FCRA, I request that you immediately block the fraudulent information from my credit report and take the necessary steps to prevent it from being reinserted in the future. 

The fraudulent accounts in question are as follows : XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Current Balance : {$27000.00} XXXX XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Current Balance : XXXX XXXX XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Current Balance : {$17000.00} I demand that these accounts be blocked from my credit report immediately and that any and all inquiries related to these fraudulent accounts be removed as well. Under 605B ( c ) of the FCRA, you are required to block the fraudulent information within four business days of receipt of this valid identity theft report. Failure to comply will result in further legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal recourse. Please send me written confirmation that these accounts have been blocked and removed from my credit report within the required time frame. Thank you for your prompt attention to this matter. 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 explanation
Consumer complaint received 2024-10-11 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: GA

Complaint narrative:
I discovered some inaccuracies on my credit report that are in violation of 15 USC 16c-2. I assert that this information is incorrect and negatively impacting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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.
State: TX

Complaint narrative:
I am writing to bring to your attention the inaccuracies in my financial records that I had previously reported, yet these errors still persist. I find this concerning and believe it's essential to have these issues rectified promptly.

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 2024-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
TRANSUNION, XXXX, XXXX HAS FAILED TO REMOVE ALL THE NEGATIVE ACCOUNTS FROM MY CREDIT REPORT. ALL BUREAUS HAS CAUSED ME SERVERE DAMAGE TO MY REPORT BY REPORTING NEGATIVE ACCOUNTS DUE TO UNAUTHORIZED CHARGES.ALL XXXX BUREAUS CONTINUED TO REPORTING THE NEGATIVE ACCOUNTS, ANDTHIS INACCURTE INFORMATION DESPITE DISPUTING WITH THIS BURESU NUMEROUS TIMES. I WILL SEAK LEDAL ACTION DUE TO THE DISSTRESS OF THE INACCURATE INFORMATION.

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 2024-10-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
My daughter was given Card XXXX XXXXXXXX XXXX XXXX XXXX for XXXXXXXX XXXX XXXX She had to reason to use the card until the weekend of XXXX when she was unable to use it because it was declined. We called the company asked why the card was declined because it was NEVER used. They could not provide any transaction history and would not help to resolve the card until we provided them with a sales receipt AND electronic journal from the place we purchased it. They also told me there was an activation issue. This is NOT the fault of the consumer! They stole money from my family!!! I filed a case under # XXXX and spoke with XXXX ( XXXX ) and XXXX ( Supervisor ). XXXX advised me that once they received my email letting explaining my concern, my case would be resolved. It has NOT! This company has MANY complaints filed with the XXXX  for stealing money from consumers! THEY ARE THIEVES! I would appreciate help with resolving this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is really insulting, my right to privacy is being violated and breached. I never gave permission for this information to be reported on my credit report. As a consumer, I know I have rights and that very right is being violated with what is being reported on my credit that are not the maximum possible accuracy and also violating my right to privacy. It's hurting my credit score and impacting my life negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name - XXXX XXXX XXXX- Please remove immediately. Incorrect DOB - XXXX - Please remove immediately. Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX - Please remove immediately. Incorrect Address - XXXX XXXX XXXX, XXXX, MA, XXXX - Please remove immediately. Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX - Please remove immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: NY

Complaint narrative:
I'm asking for your assistance in dealing with the incorrect account thats showing up on my credit report. This issue has harmed my reputation, and I urgently need your help to correct it. The inaccurate reporting has caused me significant personal and professional damage. Please remove these false details from my credit record.

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 2024-10-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
CREDIT SYSTEMS INTL IN XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Cease and Desist Request & Debt Validation Under 15 U.S. Code 1692 Account Number : XXXX Amount Claimed : {$810.00} To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced debt. I hereby request that you provide me with the following documentation pursuant to my rights under 15 U.S. Code 1692 ( Fair Debt Collection Practices Act ) : Proof of Debt Ownership : Please provide a copy of the bill of sale or assignment contract that shows you have the legal right to collect this debt. 

Validation of the Debt : Provide all relevant documentation that verifies the validity of the debt, including but not limited to : A copy of the original signed contract or agreement between myself and the original creditor. 
Itemized accounting of all charges, interest, and fees related to this debt. 
Cease and Desist : I request that you cease all communication with me in relation to this debt, except for written verification of the requested documents or notification of legal action if applicable. This request is made under 15 U.S. Code 1692c ( c ), which provides me the right to limit further communication. 

Please understand that until these documents are provided, I do not acknowledge or accept the validity of this debt. If you fail to provide the requested documents within 30 days, I will assume that your claim is invalid, and I will consider the matter closed. 

If you persist in contacting me without providing proper validation or without addressing this cease and desist request, I will be forced to file a formal complaint with the Federal Trade Commission and the Consumer Financial Protection Bureau, and I will seek all legal remedies available to me under the Fair Debt Collection Practices Act, including but not limited to civil liability for any violations. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-10-11 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: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX filed a collection through the company I.C. System, INC ( Account # XXXX ) for the amount of {$650.00} for a health plan for a dog named XXXX that does not belong to me since I only have one dog named XXXX and my account is in good standing with no outstanding balance. 

In Accordance with the Fair Credit Reporting Act Account # XXXX of 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 an 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 2024-10-12 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: NATIONAL FUNDING, INC.
State: IN

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX I discovered National Funding had posted false, damaging information about my company on XXXX, a platform used by alternative lenders. The report alleged fraud and verification failure. 

I immediately contacted National Funding for clarification. They claimed a loan application was submitted using my company 's email, but I have no knowledge of any such application. 

National Funding stated the application was made by an individual who represented himself as an owner-operator. This person is my ex-spouse, divorced since XX/XX/XXXX, with no authority in my company. 

I filed a police report for potential identity theft and submitted a notarized form to National Funding as advised by their representative. 

On XX/XX/XXXXXXXX XXXX XXXX National Funding responded, refusing to remove their XXXX post. They provided no evidence of the alleged application despite my requests for : 1. Copy of the loan application 2. Any recorded conversations 3. Email correspondence 4. IP address and location data National Funding failed to verify the application with me, the sole owner and authorized representative of the company. Their actions have damaged my business 's reputation and relationships. 

I've attempted to resolve this directly with National Funding, but they state the matter is closed. Their refusal to correct false information or provide evidence raises serious concerns about their practices and the potential for retaliatory action based on past dealings with my ex-spouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: NY

Complaint narrative:
I always pay on time, so Im not sure why the company is showing late payments for specific months. Based on USC 1666b, billing errors need to be corrected, and the account should reflect payments as agreed.

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 2024-10-11 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: NY

Complaint narrative:
I always pay on time, so Im not sure why the company is showing late payments for specific months. Based on USC 1666b, billing errors need to be corrected, and the account should reflect payments as agreed.

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 2024-10-12 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: Early Warning Services, LLC
State: IN

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : State Identification ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning XXXX  consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : The XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I

dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I received a letter from Chase Card Services on XX/XX/year> regarding a XXXX balance due on a Credit Card. The letter was a settlement option, in which, I immediately called the number provided in the collection letter. I explained how this card/account is not mine, we talked, I answered some of their security questions and then they stated how this opened account seems to, in fact, be fraudulent. They said since it is deemed fraudulent they would turn it over to their fraud department, I let it go at that time. In the meantime, I had found out that the JPMCB account has now turned into a charge off on all 3 credit bureaus. I then disputed the JPMCB account to all 3 credit bureaus. When all 3 credit bureau reporting agencies stated that the NOW " charge off '' was " verified '' by JPMCB. I contacted JPMCB on XXXX the XXXX 2024 to find out this status of the fraudulent account, in which, they had no answer. As of today, XXXX XXXX, 2024 I was informed that the XXXX will not be removed from my credit report and will show as a " charge off ''. 
How can you please help me get this fraudulent charge off my credit report and ensure my FCRA are being upheld. 

Can you please help me ensure my FCRA are protected.

Company response to consumer: Closed with explanation