vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 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: SC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party. 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 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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to challenge the reporting and compliance on accounts with XXXX XXXX, XXXX, and XXXX XXXX XXXX that are being reported on my credit report with incorrect/missing information. 

More specifically, I am referencing the fact that Experian is reporting incorrect account numbers, incorrect high balances, incorrect credit limits, late pay after account was closed, collections account with a limit, inaccurate reporting dates. These are just to name a few, however, there are other reporting errors. 

Experian 's improper procedures are highly damaging to my credit score.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over XXXX days I will be suing Equifax in XXXX business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, 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 XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.. 

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) XXXX Delete account immediately. This account is fraudulent and has to be deleted in XXXX  days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in XXXX  days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) XXXX Delete account immediately. This account is fraudulent and has to be deleted in XXXX  days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) XXXX Delete account immediately. This account is fraudulent and has to be deleted in XXXX  days!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over XXXX  days I will be suing Equifax in XXXX business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, 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 XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.. 

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in XXXX  days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) XXXX Delete account immediately. This account is fraudulent and has to be deleted in XXXX  days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) XXXX Delete account immediately. This account is fraudulent and has to be deleted in XXXX  days!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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:
please delete the following accounts and inquiries. i ent a dispute regarding this account and inquiries why it's still reporting in my report? please delete XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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 just checked and reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: SC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party. 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 2024-05-09 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: WI

Complaint narrative:
Opened a line of credit in XXXX of XXXX to accompany a bank account I had with XXXX XXXX My account fell into the negatives due to fraud and due to the account falling into the negatives it delved into the line of credit. After the months of investigations and back and forths the account was allegedly closed and paid. I then received notification my line of credit was not closed, not paid and was charged off in XXXX of XXXX. 

Fast forward to this year, I am working on cleaning up residual negative remarks on my credit so I contacted XXXX XXXX to settle the account. After contacting XXXX XXXX in XXXX of XXXX I successfully made a settlement arrangement and then made the agreed payment to settle the account in early XXXX. 

Since making the payment, the balance on my credit report was updated to state another month was delinquent. I then called and asked to verify the account balance, and verify the payment was applied to the correct account ( despite the representative I made the arrangement with making the payment ) and they stated that there is no account active or in collections associated with me. They subsequently told me to dispute with the credit bureau. 

I then filed a dispute which was closed by XXXX XXXX  stating that everything is accurate on my report. 

I called again, spoke to XXXX departments stating that I had no account and had never had an account with XXXX XXXX  and again told me to dispute with the credit bureau. 

I then filed a dispute which was closed by XXXX XXXX stating that everything is accurate on my report. 

I called again and they told me my account does not be has never existed. 

I asked how is someone validating this debt to continually publish on my credit report with a balance even though no one seems to have any record of the account and I was not answered.

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 2024-05-09 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Subject : Cease Unauthorized Credit Reporting Violation Dear JPMCB - XXXX XXXX, I am reaching out regarding a significant issue concerning unauthorized reporting to my credit file, a direct violation of the Fair Credit Reporting Act ( FCRA ) and pertinent XXXX XXXX state laws, including Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ) of the FCRA, Sections 392.301 and 392.305 of the XXXX XXXX XXXX XXXX, and XXXX XXXX Penal Code Section 32.51 pertaining to identity theft fraud. 

It has been brought to my attention that JPMCB XXXX XXXX XXXX has reported information to my credit report without procuring my explicit consent, which is a clear infringement upon my rights as guaranteed by federal and state legislation. The FCRA expressly mandates consumer consent for such reporting activities under Section 1681b ( a ) ( 2 ). 

Moreover, XXXX XXXX state law, particularly Section 392.301 of the XXXX XXXX Finance Code, emphasizes the critical requirement of consumer consent for credit reporting. Section 392.305 further delineates fair reporting practices, while XXXX XXXX identity fraud laws, exemplified by XXXX XXXX Penal Code Section 32.51, underscore the gravity of unauthorized access and misuse of personal information. 

I want to unequivocally state that I have not provided consent for JPMCB - XXXX XXXX to report any information to my credit profile. This lack of explicit authorization constitutes a serious breach of my rights and could detrimentally impact my creditworthiness. 

I insist upon the immediate cessation of any further reporting of information to my credit file without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA, Sections 392.301 and 392.305 of the XXXX XXXX  Finance Code, as well as XXXX XXXX FCRA identity theft fraud laws. Failure to comply within 30 days will be construed as willful noncompliance, subject to penalties under relevant laws, including identity fraud statutes. 

Obtaining consent is not discretionary but a legal obligation under these statutes. This is not a negotiable matter ; it is a demand for adherence to federal and state regulations designed to safeguard consumers like myself from unauthorized credit reporting. 

I anticipate prompt attention to this issue and expeditious rectification of these violations, respecting my rights under federal and state laws. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: GA

Complaint narrative:
See document attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My wallet was stolen on XX/XX/XXXX For {$560.00} I was not aware I was pick pocketed At the same time I was walking to the train stop, whoever took my wallet went to XXXX and charged a bunch of stuff on my account. 
I let Wells Fargo know that and they said that they denied my claim

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 2024-05-09 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 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 2024-05-09 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: TX

Complaint narrative:
Experian consumer reporting has some wrong information on my credit report. I disputed that by paying fee. They came back after XXXX month stating they can not change the information. 
1. Residential address ; XXXX XXXX XXXX, XXXX, XXXX [ I lived at that address for XXXX years, I have now sold that property. 
2. Residential address : XXXX XXXX XXXX, XXXX, XXXX. [ I never lived at that address. ] PS : The same address can not be in two cities and I can not live on both address at the same time. I tried calling Experian but the call goes to automated system. No one ever picks up the phone. 
3. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I have never lived at that address. I am just a non-occupying co-signer. The consumer report showed the full amount of loan in my name which resulted in decline of services and credit request.

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 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: AR

Complaint narrative:
1st contact was XX/XX/XXXX, by phone. They said debt was from XXXX, account opened on a credit card that was never paid and they bought the debt in XX/XX/XXXX. 
I informed them that could not be my debt as all debt I owe is listed under my bankruptcy filings from XXXX, and XXXX, and I have not opened any accounts for anything since XXXX. They informed me they knew I was on bankruptcy, that is why they waited this long before contacting me. I have asked for proof by mail several times since then as they have called 30+ times a month for 5 months. I only received one letter from them I received XX/XX/XXXX which had no information I requested, was just a bill saying I owed them. I sent Certified mail threw USPS, which I got confirmation they received XX/XX/XXXX. In that letter I requested : 1. Original creditor name, address, account info.

2. Documentation showing they have verified I am responsible for debt.

I have never received this or anything else by mail since XX/XX/XXXX. 
Yet the calls keep coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My father passed away  on XX/XX/2024. He had unsecured debt but left no estate assets with which to cover this debt. On XX/XX/2024, I notified the credit card company of his passing. I sent a certified letter with a copy of his death certificate and stated that there was no estate to pay his unsecured debt. I asked them not to contact us any further. Now they are calling, even though I asked them not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: NJ

Complaint narrative:
The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX XXXX  Account # : XXXX, has violated my rights and I would like this account removed from my credit report immediately. 

It has come to my attention that some things on my credit report are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 U.S.C 1681 ( e ) ( b ).

15 U.S.C 1681 Section 602 A. states : I have the right to privacy.

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 2024-05-09 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: GA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party. 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 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 2024-05-09 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: GA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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