vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
To whom it may concern while checking my most recent credit report, I noticed that credit card that i had paid off was not remove and some that was charged off where sold to some other company and where reactivated and put back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: MD

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I don't have dates or amounts. I did not open a XXXX XXXX credit card. Reported it to the company multiple times and I was told they sent me fraud paperwork, that has never been received. The credit card company is doing nothing about my disputes, nor have they reported the fraud/identity theft. It's now affecting my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
We have an ARM that adjusts each year in XXXX. The terms of the loan say it adjusts once a year. The new rate is determined in XXXX and the new payment amount starts every XXXX. We have never been late or missed a payment. We received a letter dated XX/XX/XXXX letting us know the rate would go from 6.5 % to to 7.5 %. From the letter : " Under the terms of your Adjustable Rate Mortgage ( ARM ), you had a 12 month period which your interest rate stayed the same. That rate ends on XX/XX/XXXX, so on that date your interest rate changes. After that, your interest rate and payment change every 12 months for the life of your loan. Your interest rate is scheduled to change again on XX/XX/XXXX, which will be reflected on the account information on your monthly billing statement. '' Our new payment amount reflected this higher interest rate. Our interest rate increased to 8 % starting with the XX/XX/XXXX payment. They said they made a mistake when they calculated the rate in XXXX and it should have been 8 %. The contract says the rate changes once a year on XX/XX/XXXX by a rate determined in XXXX. 

I have called and tried to talk to a person, but I can get past the automated system. I was able to chat with XXXX person, they basically said they changed it to XXXX, nothing else they can do and they appreciate my feedback. I submitted an email message on their website, but expect the same type of response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
Title : Dispute for Non-Compliance with the Fair Credit Reporting Act ( FCRA ) by Experian Description of the Issue : On XX/XX/XXXX, I submitted a formal dispute letter to Experian requesting the removal of fraudulent information from my credit report. This request was made in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S.C. 1681c-2, 15 U.S.C. 1681i ( 7 ), and 15 U.S.C. 609 ( a ) ( 2 ). I provided adequate evidence, including an identity theft report, to support my request. However, the bureau categorized my dispute as frivolous, a response that I find inappropriate and unlawful under the standards set by the FCRA.

Additionally, they failed to meet the legal requirements to : 1. Provide a detailed description of the reinvestigation procedures performed.

2. Produce physical evidence of original contracts bearing my signature to substantiate the validity of the disputed accounts.

3. Block the fraudulent account within four business days of receiving my identity theft report. 
Information Related to the Dispute : XXXX XXXX XXXX  XXXX XX/XX/XXXX This account is the result of identity theft, and their presence on my credit report violates my rights as a consumer. Despite my efforts to resolve this matter directly with the bureau, no significant action has been taken to correct the inaccurate information, causing financial and emotional harm. 
How This Issue Affects Me : The incorrect and unverified information on my credit report has negatively impacted my credit score, making it difficult to access legitimate credit and causing financial and personal stress.

What Resolution I Am Seeking : I request that the CFPB intervene to ensure that Experian : 1. Immediately removes the fraudulent account from my credit report.

2. Provides a detailed description of the procedures used to investigate my dispute.

3. Complies with the provisions of the FCRA, including blocking fraudulent information within four business days of receiving my identity theft report.

4. Ensures their practices adhere to federal laws to protect consumer rights.

Attached Documentation : I am including copies of the following documents to support my complaint : _Identity theft report.

_Additional evidence related to the disputed accounts.

_Identity affidavit. 

I hope the CFPB will investigate this matter and take the necessary actions to ensure that Experian complies with federal laws. I am available to provide any additional information required. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to file a formal complaint against Jefferson Capital Systems regarding their improper repossession and mishandling of a debt collection matter involving my vehicle. The following is a detailed account of the situation : Original Loan Details : In XXXX, I obtained a title loan from XXXX XXXX XXXX When I defaulted on the loan, I requested that XXXX XXXX XXXX repossess the vehicle. They declined my request and retained their status as the lienholder on my Florida vehicle title. 

Transfer of Debt : XXXX XXXX XXXX  subsequently sold the debt to Jefferson Capital Systems, a debt collection agency. Despite the transfer of the debt, Jefferson Capital Systems is not listed as the lienholder on my Florida vehicle title. 

Improper Repossession : On XX/XX/XXXX, Jefferson Capital Systems repossessed my vehicle without prior communication or notification of their intent to repossess. They also provided false information to local law enforcement, claiming to be the lienholder, which is not reflected in the official records. 

Lack of Notification : On XX/XX/XXXX, I received a letter from Jefferson Capital Systems dated XX/XX/XXXX ( Account # XXXX ) stating that they intend to sell the repossessed vehicle by XX/XX/XXXX, XXXX date that had already passed. This letter is the only correspondence I have ever received from Jefferson Capital Systems regarding the matter. 

Validation of Debt : Jefferson Capital Systems has not provided any documentation validating the loan information or their authority to repossess and sell the vehicle. This lack of transparency and communication has caused significant distress and confusion. 

Violation of Consumer Rights : Jefferson Capital Systems actions appear to violate several provisions of the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : Failing to provide proper notice of repossession. 

Failing to validate the debt upon request. 

Misrepresentation of their status as the lienholder to law enforcement. 

I respectfully request that the CFPB investigate this matter and take appropriate action against Jefferson Capital Systems. Additionally, I request the following remedies : Immediate cessation of any attempts to sell my vehicle until the matter is resolved. 

Proper validation of the debt, including all supporting documentation. 

Confirmation of the rightful lienholder on my vehicle title. 

Compensation for any damages resulting from their improper actions. 

Thank you for your attention to this matter, if further information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on XXXX They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Regarding Disclosure of Nonpublic Personal Information Dear JPMCB " To Whom It May Concern I am writing to formally dispute the disclosure of my nonpublic personal information in potential violation of the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802.

It has come to my attention that my personal information may have been shared with unaffiliated third parties without proper notice or an opportunity to opt out, as required under the law. According to 15 U.S.C. 6802 ( b ) : 1. Financial institutions must provide clear and conspicuous notice of their privacy policies and practices.

2. Customers must be given the opportunity to opt out of sharing their nonpublic personal information.

I believe that [ describe the issue, e.g., " I did not receive any opt-out notice, '' or " My information was shared without my explicit consent, contrary to the stated policy '' ].

I am requesting : 1. An explanation of how my nonpublic personal information was handled and shared, including a list of third parties that received my information.

2. Copies of the notices or disclosures provided to me regarding the institution 's privacy practices.

3. Immediate action to correct any violations, ensure compliance with the GLBA, and cease further unauthorized disclosures of my information.

If this matter is not addressed promptly, I may escalate my complaint to the Federal Trade Commission ( FTC ) or seek legal remedies to protect my privacy rights.

Please respond to this dispute in writing within [ 30 days or specific timeline ]. You may reach me at [ your contact information ] if further clarification is needed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my report for the new year and noticed unauthorized and fraudulent accounts. These accounts are affecting my XXXX XXXX in the worst way possible. I am unable to get approved for an apartment and a vehicle along with many other things. Please for the love of XXXX have these accounts removed so I can reach my credit goals.

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 2025-01-09 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 checked my report for the new year and noticed unauthorized and fraudulent accounts. These accounts are affecting my XXXX XXXX in the worst way possible. I am unable to get approved for an apartment and a vehicle along with many other things. Please for the love of XXXX have these accounts removed so I can reach my credit goals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
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 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 2025-01-09 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX I am a victim of identity theft. The fraudulent charges listed below are shown on my credit file but is not mine. I am officially disputing the fraudulent charges and request an immediate investigation. Please remove the fraudulent charges immediately from my files at : 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 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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have not received any response from the Bureaus even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. But unfortunaetly it has been over 30 days and no accounts was updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-01-09 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: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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