vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-02-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to follow up on my previous notice sent on 45 days ago from the date of this letter, regarding the dispute of certaininformation in my credit fi le. I am specifi cally addressing the fraudulent information listed below as a victim of identity theft ; See Fraudulent Collection Account Summary below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I sent notice to companies that they were illegally reporting inaccurate information to my credit reports every single month under the Fair Credit Reporting Acts and that they didn't have permissible purpose to do so and that I needed proof in writing within 30 to 45 days and I sent letters via certified mail and I haven't heard anything back from anyone and this was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I sent notice to companies that they were illegally reporting inaccurate information to my credit reports every single month under the Fair Credit Reporting Acts and that they didn't have permissible purpose to do so and that I needed proof in writing within 30 to 45 days and I sent letters via certified mail and I haven't heard anything back from anyone and this was XX/XX/XXXX and now it's XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2024, I sent a letter to XXXX XXXX XXXX XXXX XXXX, Equifax LLC ATTN Supervisor Legal Department and XXXX XXXX XXXX XXXX XXXX XXXX  requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has XXXX XXXX XXXX XXXXXXXX XXXX  Equifax LLC ATTN Supervisor Legal Department and XXXX XXXX XXXX XXXX XXXX XXXX  complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( Enter Date Mailed ), along with an updated FTC identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: CA

Complaint narrative:
On XX/XX/year>, I sent a letter to Experian ATTN Supervisor Legal Department, XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX  requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has Experian ATTN Supervisor Legal Department, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( Enter Date Mailed ), along with an updated FTC identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/2023, I sent an Identity theft letter to XXXXXXXX XXXX XXXX, and despite more than 30 days passing, I have not received a response nor has XXXXXXXX XXXX XXXX complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that were mailed on On XX/XX/2023 and an updated FTC identity theft report. According to FCRA, debt collectors must respond to disputes and requests from consumers within 30 days, yet ( XXXXXXXX XXXX XXXX has not made a single call or sent a letter addressing the disputes I've mailed. This blatant disregard for FCRA Section 611 ( A ) ( 1 ) could result in fines of up to {$1000.00} per violation. Failure to provide proof or verification within the required timeframe necessitates the removal of this account from the consumer 's report, as the lack of response indicates an inability to validate or verify the account, a violation of FDCPA Section 809 ( b ). Attached are the letters I sent along with my updated identity theft FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I REQUESTED AN ADDTIONAL RESOLUTION TO MY NAME ON MY CREDIT FILE BECAUSE IT IS NOW INCORRECT AND NOT MINE AFTER MY IDENTITY THEFT COMPLAINT FILED I RECEIVED DOCUMENTS TO UPDATE MY CREDIT FILE, BUT WITH THE NAME XXXX XXXX XXXX XXXX. 

THIS IS NOT MY LEGAL NAME, THIS IS THE LEGAL NAME OF MY FATHER AND IS NOW BEING REFLECTED ON MY CREDIT FILE. 

MY LEGAL NAME IS XXXX XXXX XXXX XXXX AND I DO NOT HAVE ANY ALIASES, NOR HAVE I EVER HAD ANY ALIASES. EQUIFAX XXXX CONSISTANLY REPORTED INCORRECT INFORMATION ON MY FILE AND HAS NOW AGAIN MERGED MY NAME WITH ANOTHER PARTY, THAT PARTY BEING MY FATHER I WANT ONLY MY LEGAL NAME REFLECTED ( XXXX XXXX XXXX XXXX ) ON MY CREDIT BUREAU XXXX ALONG WITH ONLY MY ACCOUNTS LISTED ON MY CREDIT FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Its me again, my name is XXXX XXXX XXXX, I have been reporting issue for half years already, and today I just confused about the privacy issue that should I opt in or opt out since the difference explanation about advice from different people, they told me I should sell my information because otherwise other people cant find me, today they told me I shouldnt because that protect my information that I dont get scam, so should I? Im very confused who should i trust. Also I saw on my credit report their are some problems but I also dont want make mistake that I dispute the right information, so Im afraid that I made mistakes again. Now I even afraid to touch any of my phone settings. Please help me and also I dont have any credit card or debit card to use, I dont know why the issue keep happening on me and then its been a recycling problem. Also I read all the post and make me more confused, please just give me a clear explanation and not a big paragraph that make me more confused and same problem the link take to me far and far away. In the end I dont know what Im doing. Please I dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: TX

Complaint narrative:
I am writing to follow up on my previous notice sent on 45 days ago from the date of this letter, regarding the dispute of certaininformation in my credit fi le. I am specifi cally addressing the fraudulent information listed below as a victim of identity theft ; See Fraudulent Collection Account Summary below.

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 2024-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SUNRISE CREDIT SERVICES, INC
State: HI

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2024-02-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a response from Chase but does not answer my question They say I have been given a coutesy credit but this only cancels {$60.00} payment I made XX/XX/XXXX I received XX/XX/XXXX letter It bascially says still researching If you see my info Following : This dispute has been in progress since XX/XX/XXXX My records show : XX/XX/XXXX ( {$60.00} credit ) XX/XX/XXXX rebill {$60.00} XX/XX/XXXX I made payment {$60.00} and not a credit XX/XX/XXXX ( XXXX ) credit Thus I did not get credit for dispute as there two credits, one rebill ( XX/XX/XXXX ) and my payment {$60.00} on XX/XX/XXXX statement In summary three {$60.00} billing ( including my {$60.00} payment ) and XXXX credits ( XX/XX/XXXX, XX/XX/XXXX ) so I fail to see where is credit XX/XX/XXXX Chase agent response said following : XX/XX/XXXX posting {$60.00} XX/XX/XXXX {$60.00} credit XX/XX/XXXX rebill {$60.00} XX/XX/XXXX ( {$60.00} credit ) NO WHERE DOES XX/XX/XXXX CHASE agent match my stsements with his data given Again help me understand two rebillings {$60.00} actual payment XX/XX/XXXX {$60.00} and XXXX credits XX/XX/XXXX and XX/XX/XXXX XXXX plus billings ( including XXXX payment ) and two creditis does not equal XXXX to my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-12 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
I am requesti ng that you the place a Security Freeze on my credit report. I am taking this step to protect my personal information and prevent unauthorized access to my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-02-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to follow up on my previous notice sent on 45 days ago from the date of this letter, regarding the dispute of certaininformation in my credit file. I am specifically addressing the fraudulent information listed below as a victim of identity theft ; See Fraudulent Collection Account Summary below.

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 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Writing to file a public formal complaint against Chase Bank for its persistent breach of the corporate veil and negligence in managing our business and personal accounts. For nearly two years, we have continuously informed Chase of their failure to maintain the necessary separation between our business, and our personal finances. Despite our repeated attempts to rectify this issue, Chase has consistently sent communications intended for our business accounts to our personal email address, and vice versa, putting both our business and personal finances at significant risk. This ongoing mishandling of our accounts by Chase has resulted in severe consequences, including the potential exposure of sensitive financial information and the waste of extensive time and resources on our part. We have spent countless weeks attempting to rectify Chase 's errors, diverting crucial attention away from our business operations and personal responsibilities. We urge the CFPB to investigate this matter promptly and take decisive action to hold Chase Bank accountable for its actions. Failure to address these issues promptly could result in further harm to our business and personal finances, as well as undermine trust in the banking system as a whole. We appreciate your attention to this urgent matter and look forward to a swift resolution.

The attached document is just a sample of the ongoing communications with Chase and the continual circle of endless phone calls and lack of resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover sent me a forward XXXX form to fill out and I call them. 
On the phone it came from Discover Credit Card and I ask them this seems funny. 
Also there was no return address from the sender. 

Discover start calling me from a XXXX area code but it was a direct number in which some one was asking me over the claiming to be from discover. 


Name, age, address XXXX Discover started harassing me over the XXXX form daily. 

Discover also has not sent me statement after all this started. 

XXXX I have no dealings with them after all there Breaches and fraud committed on consumers. 

I call Discover they was very rude on the phone and I been getting the run around about my account and a mail statement. 


Since day one of this credit card I was receiving statements I always paid this account on time now all sudden my account is all mess up due to this XXXX mess by discover. 

Discover has no reason calling me asking me info of all my info address phone number full social security number date of birth verbal on the phone. 


always calling out of XXXX az rude talking crazy. 


I have also consulted an attorney to Discover harassing me and all happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-02-12 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: TX

Complaint narrative:
I am writing to follow up on my previous notice sent on 45 days ago from the date of this letter, regarding the dispute of certaininformation in my credit fi le. I am specifi cally addressing the fraudulent information listed below as a victim of identity theft ; See Fraudulent Collection Account Summary below.

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