vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 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: CL Holdings LLC
State: OH

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX {$2700.00} XXXX XXXX {$3900.00} JEFFERSON CAPITAL SY {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: NY

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CHERRY TECHNOLOGIES INC.
State: IL

Complaint narrative:
Hello, My social Security number was stolen by my boyfriend who opened up a person loan in XXXX of XXXX with a company called Cherry Technologies. They repeatedly call and text me every other day asking for a payment or to make one monthly payment of {$230.00} and they will wave all fees and penalties. other text messages I receive are threatening me that they will report to the credit Bureasus. I have called them and report that the account as fraud and they have denied my claim twice. Due to the fact that there is a bank account and card attached to the account. If they would look deeper into the matter, both of those thing attached to the account are not under my name but my boyfriend at the time XXXX XXXX. I have even contacted the person where the loan was used. They would get back to me and try and help but never did. I received another phone call today from Cherry Technologies XX/XX/XXXX and explained to them that this account is fraud and that I need to contact the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: TX

Complaint narrative:
Recently, I did an investigation on my consumer report and found several items on there to be inaccurate and violation of the law : 15 U.S. Code 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I do not receive any material as mentioned in section 1637b of this title. 

Also, under 15 U.S. Code 1681 ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( 2 ) Exclusions. -the term consumer report does not include- ( A ) any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report : These alleged late payments are transactions between me the consumer and the furnisher, which are the person making the report, which shall be excluded from my consumer report. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This is hindering my ability to exercise my right to extend credit in connections with loans and pursuant of 15 USC 1602 ( g ), please correct the following accounts in my credit report immediately, update any alleged late payments to current, and any status stating otherwise unless you wish to be held liable for {$1000.00} per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my consumer report. 



Accounts 1 ). Account Name : XXXX XXXX 2 ). Account Name : XXXX 3 ). Account Name : XXXX XXXX ). Account Name : XXXX 5 ). Account Name : 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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX 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 2024-07-02 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX 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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like to dispute off the following inaccurate accounts on my credit report listed below. 

XXXX : XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$5100.00} XX/XX/XXXX XXXX : XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$2700.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$5100.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX TRANSUNION : XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX {$2700.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$5100.00} XX/XX/XXXX XXXX  Date of inquiry : 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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I would like to dispute off the following inaccurate accounts on my credit report listed below. 

XXXX : XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$5100.00} XX/XX/XXXX EXPERIAN : XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$2700.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$5100.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX Account XXXX : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX {$2700.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$5100.00} XX/XX/XXXX XXXX Date of inquiry : 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 2024-07-02 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: IA

Complaint narrative:
XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX } # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-07-02 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: IL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX, I would like to report a dispute decision determined by the Chase credit card department over a fraudulent transaction that happened XX/XX/year>. 
While attending the XXXX XXXX in the stadium in XXXX XXXX XXXX, XXXX, I bought a small water bottle from XXXX of the stadium vendors- using the tap payment system with my Travel Chase credit card. I did not have cellular internet, so I did not receive a text charge notification from the bank.. When I returned to the hotel, however, I noticed I was charged {$800.00} at XXXX XXXX XXXX in XXXX, a city far from where I was. I reported this claim back when I returned to the XXXX ( XX/XX/year> ). The Chase dispute center stated that this charge was valid because I had received benefits ( in the form of a plastic water bottle ) in exchange for the {$800.00} charge. Needless to say, I have never visited the city of XXXX or the bakery shop that charged my card. Due to the language barrier and dysfunctional cellular services, I could not contact the bakery. 
I have communicated with the Chase fraud department multiple times to explain the issue, but in return, I received emails stating that this transaction was valid. When I called Chase 's Executive line, XXXX explained that the fraud department tried to contact me, but because I have not responded, it had been past the XXXXday review date, and they can not help me anymore. Of note, the phone number Chase called me from is listed as spam and was automatically silenced by my phone. When I tried to call the number left on the voice message, I was unable to reach a representative. I asked I continued to escalate the matter with XXXX and asked her to share all the information when they unsuccessfully tried to contact me, yet they have yet to share it. 
To summarize the entire process : 1 ) I reported the fraud in a timely manner 2 ) Chase stated that {$800.00} at a bakery in XXXX did not constitute fraud because I had received a water bottle hundreds of miles away in XXXXXXXX XXXX XXXXXXXX in exchange 3 ) I called Chase multiple times and was unable to discuss the case After giving me the run around for months, Chase is now saying that their final decision regarding this charge is valid because 90 days have passed 4 ) Chase failed to forward all documents requested by me. 
Proof of Chases lack of goodwill and integrity is that they dismissed the fraudulent charge from the beginning under false pretense, as it is obvious to any individual who learns the case that this was indeed a fraudulent charge. This and Chase other subsequent moves were aimed at discouraging at first, and ultimately at dismissing its customers legitimate concern. Chase knowingly colluded to reach a decision adverse to its customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 a 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 2024-07-02 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 a account without my written instructions.

Company response to consumer: Closed with explanation