vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$260.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: FL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-07-11 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: NJ

Complaint narrative:
I am writing to express my deep disappointment and frustration regarding your bureau 's failure to remove fraudulent accounts from my credit report, despite my submission of all required documentation, including the FTC Identity Theft Report filed with the Federal Trade Commission. 

I have diligently provided comprehensive evidence demonstrating that these accounts are fraudulent and do not belong to me. Other credit bureaus have reviewed the same documentation and promptly removed these fraudulent accounts from their records. It is, therefore, incredibly disheartening to see that your bureau has not taken similar action. 

The persistence of these fraudulent accounts on my credit report is causing undue stress and potential financial harm. It is baffling and unacceptable that your bureau continues to report these inaccuracies despite clear evidence and confirmations from the institutions involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to follow up regarding the continued presence of fraudulent items on my account, despite my previous attempts to resolve this issue. The persistent failure to remove these fraudulent items has caused me significant inconvenience and distress. Despite assurances from your support team that the matter would be resolved promptly, the fraudulent items remain on my account. The continuous delays and lack of resolution are unacceptable. Given the severity of this issue and the repeated failures to address it, I am now seeking assistance from you. I request immediate attention to this matter and expect a prompt and effective resolution. Additionally, I seek an explanation for the repeated failures to remove the fraudulent items and a plan to prevent such occurrences in the future. Kindly help me remove the following items immediately : XXXX XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$3100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA 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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding the repeated failures to correct the late-open accounts associated. Despite my previous four attempts to resolve this issue, the problem remains unresolved, causing me significant inconvenience and distress. Each time I have contacted your support team, I have been assured that the matter would be resolved promptly. However, these assurances have not been met, and the issue persists. The continuous delays and lack of resolution are unacceptable. I request immediate attention to this matter and expect a prompt and effective resolution. Additionally, I seek an explanation for the repeated failures to address the issue and a plan to prevent such occurrences in the future. I hope to see this matter resolved without further delay. Please help me correct the following accounts : XXXX XXXX XXXX : {$330.00} ; XXXX XXXX XXXX : {$220.00}.

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding the repeated failures to correct the late-open accounts associated. Despite my previous four attempts to resolve this issue, the problem remains unresolved, causing me significant inconvenience and distress. Each time I have contacted your support team, I have been assured that the matter would be resolved promptly. However, these assurances have not been met, and the issue persists. The continuous delays and lack of resolution are unacceptable. I request immediate attention to this matter and expect a prompt and effective resolution. Additionally, I seek an explanation for the repeated failures to address the issue and a plan to prevent such occurrences in the future. I hope to see this matter resolved without further delay. Please help me correct the following accounts : XXXX XXXX XXXX : {$330.00} ; XXXX XXXX XXXX : {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
ACCOUNT IS SHOW LATE PAYMENT WHEN I NEVER MISSED A PAYMENT

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 2024-07-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: VA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On or about XX/XX/XXXX I noticed a ACH purchase on my account ending in XXXX. I called JP Morgan Chase reported it and was informed that " THERE WAS SEVRAL OTHER ACH PURCHASES FROM A PLACE CALLED XXXX ''. I informed them I have never " AUTHORIZED ANY CHARGES TO MY ACCOUNT ''. They at that time issued me a credit for approx {$700.00} to cover the fraud to my account that went back into XXXX OF XXXX clearly past the 60 day cut of they are saying is reason of my claim being denied. Approx On XX/XX/XXXX I noticed that JP Morgan Chase REVERSED the fraud credits and denied my claim at XXXX for not filling out a ACH DISPUTE FORM in which I never at any time received it in mail to even fill out and send back to them. I contacted claim unit was told to " GO INTO BRANCH ANF GET FORM FROM A BANKER ' In which I did the same day form was sent to them from the branch claim was re opened. I then get attached letter from JP Morgan Chase now informing me that reason for denial of my claim is due to me " NOT REPORTING IT WITH IN 60 DAYS ''. I informed them that 'I NEVER NOTICED IT ', and was informed that XXXX ONLY COVERS FRAUD OCCURED IN LAST 60 DAYS ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Two chase account almost a two months One account smart checking I have debit card they send last week and I never activate this card because I have serious identity theft Some one as XXXX XXXX  name person found XXXX and XXXX XXXX both we dont now but they activated my card and purchase my debit card XXXX XXXX  3 order in between I call fraud reporting chase Ill hang up phone and more XXXX XXXX  They use my debit card I didnt activated because if I activated next few hours hackers see and purchase as same thing he activated my debit card and order XXXX XXXX  and delivers XXXX XXXX . 
I want to chase all information who activated my debit card send me because my case is reported to police and FBI And today Ill be reported Illinois attorney general because to much fraud in my name they used and my debit card without my authorization they activated and purchase Ill be need all my fraud charge back as requested to chase

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX 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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to follow up regarding the continued presence of fraudulent items on my account, despite my previous attempts to resolve this issue. The persistent failure to remove these fraudulent items has caused me significant inconvenience and distress. Despite assurances from your support team that the matter would be resolved promptly, the fraudulent items remain on my account. The continuous delays and lack of resolution are unacceptable. Given the severity of this issue and the repeated failures to address it, I am now seeking assistance from you. I request immediate attention to this matter and expect a prompt and effective resolution. Additionally, I seek an explanation for the repeated failures to remove the fraudulent items and a plan to prevent such occurrences in the future. Kindly help me remove the following items immediately : XXXX XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$3100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA 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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to follow up regarding the continued presence of fraudulent items on my account, despite my previous attempts to resolve this issue. The persistent failure to remove these fraudulent items has caused me significant inconvenience and distress. Despite assurances from your support team that the matter would be resolved promptly, the fraudulent items remain on my account. The continuous delays and lack of resolution are unacceptable. Given the severity of this issue and the repeated failures to address it, I am now seeking assistance from you. I request immediate attention to this matter and expect a prompt and effective resolution. Additionally, I seek an explanation for the repeated failures to remove the fraudulent items and a plan to prevent such occurrences in the future. Kindly help me remove the following items immediately : XXXX XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following accounts are reporting on my credit report incorrectly. The listed accounts have been paid in full and should be reported as such to ensure that my report is 100 % accurate and in compliance with the Fair Credit Reporting Act. 

Accounts in Question : XXXX. XXXX XXXX Reported Balance : {$440.00} Account number : XXXX XXXX. XXXX XXXX Reported Balance : {$1300.00} Account number : XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX. XXXX XXXX  Balance : {$650.00} 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 2024-07-11 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: AR

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: TX

Complaint narrative:
XXXX XXXX  was sent a letter regarding incorrect and inaccurate reporting to my credit report. They are falsely reporting 60 days late on XX/XX/2019 to which I alerted them of. The company dismissed the issue stating the information is accurate even though the information is clearly available in previous statements. I have attached a copy of my Equifax credit report, a copy of the letter sent to several Executive employees as well as their negligent response.

Company response to consumer: Closed with explanation