vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XXXX XXXX {$470.00} - {$130.00} open XXXX XXXX, XXXX {$810.00} open XXXX, XXXX XXXX XXXX {$1700.00} open XXXX, XXXXXXXX XXXX XXXX {$460.00} open XXXX, XXXX {$1300.00} open XXXX. Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.

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 2024-12-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
My information was exposed in a data breach causing fraudulent accounts and information to appear on my credit report making my credit decrease tremendously. 

XXXX XX/XX/XXXX inaccurate information capital one XX/XX/XXXX fraudulent account hard inquiries -- XXXXcapital one auto finance XX/XX/XXXX consumer portfolio sec XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXncom/auto land sales XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
To Whom It May Concern : I am writing to file a complaint against JPMorgan Chase Bank , N.A . ( " Chase '' ) regarding their deceptive business practices in their credit card application process.

Product Information : Product Type : Credit card Sub-product : Business credit card Issue : Application, approval, or denial for credit card Description of Issue : I recently applied for a Chase Business credit card and explicitly indicated on my application that my business is structured as a Sole Proprietorship. During the follow-up process, I received a call from Chase Business Card Services where the representative incorrectly claimed that my business was registered as a Limited Liability Company ( LLC ). This misrepresentation of my business structure is concerning for several reasons : 1. It demonstrates either a serious error in Chase 's application processing system or a deliberate mishandling of my application information. 
2. This misclassification could have significant implications for my credit application and business relationship with Chase.

3. The process appears to be deceptive as the information I provided was clear and accurate, yet was somehow altered or misinterpreted during processing.

Furthermore, my attempts to resolve this issue through Chase 's customer service have been extremely problematic. I made three separate phone calls to Chase 's customer service, and in each instance, the representative abruptly terminated the call. These three hang-ups resulted in approximately two hours of wasted time. This pattern of behavior appears deliberate and demonstrates a severe failure in customer service and a complete disregard for their customers ' time and concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 



1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner.

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Utah XXXX. 

XX/XX/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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 



XXXX. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner.

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Utah XXXX. 

XX/XX/XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Texan Financial Services Inc
State: TX

Complaint narrative:
I have had this loan since 2022 -- which started out {$1300.00} than -- I got and extra XXXX that make it {$1700.00} -- my payments start out {$150.00} per month and then it's went up to {$190.00} per month so a week ago I call the to ask what was my payoff -- she said it's XXXX and some dollars -- I ask her why since I had this loan beginning in 2022 -- she said every time I get extra cash the loan starts over and all those payments i make was interest -- i was not aware of that -- i been paying on this loan since 2022. This doesn't make since to me -- please help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
On and around XXXX XXXX Current XX/XX/year> Affirm continues to inaccuratly report information to the three credit bureaus. They have continuously reported that prohibits me from a fair rating for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: TX

Complaint narrative:
My account with XXXX XXXX XXXX {$3700.00} & XXXX XXXX XXXX XXXX {$910.00} was never late! I have had exceptional payment history witH capital one 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 in 60-90 days to be removed.

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, u
nless 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. 


XXXX XXXX XXXX {$3700.00} & XXXX XXXX XXXX XXXX {$910.00} Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports

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 2024-12-31 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: GA

Complaint narrative:
I request the removal of a bankruptcy from your credit report due to identity theft or a data breach under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-605B. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX, XXXX XXXX and TransUnion Subject : Request for Removal of Bankruptcy Information Under FCRA 15 U.S.C . 1681c-605B Dear XXXX, XXXX, and TransUnion I am writing to formally dispute the bankruptcy information listed on my credit report associated with XXXX filed in XXXX XXXXXXXX XXXX XXXX XXXX I believe this information is the result of identity theft, as I did not authorize or file this bankruptcy. 
In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-605B, I request the immediate removal of this fraudulent information from my credit report. Attached are the required documents to support my claim.

Please investigate this matter promptly and confirm the removal of the inaccurate information from my file within the required time frame under the FCRA. 



Thank you for your attention to this matter. I look forward to your response. 



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 non-monetary relief
Consumer complaint received 2024-12-31 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: GA

Complaint narrative:
I request the removal of a bankruptcy from your credit report due to identity theft or a data breach under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-605B. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX Experian, XXXX XXXX and XXXX Subject : Request for Removal of Bankruptcy Information Under FCRA 15 U.S.C . 1681c-605B Dear Experian, XXXX, and XXXX I am writing to formally dispute the bankruptcy information listed on my credit report associated with XXXX filed in XXXX XXXX XXXX XXXX XXXX I believe this information is the result of identity theft, as I did not authorize or file this bankruptcy. 
In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-605B, I request the immediate removal of this fraudulent information from my credit report. Attached are the required documents to support my claim. 



Please investigate this matter promptly and confirm the removal of the inaccurate information from my file within the required time frame under the FCRA. 



Thank you for your attention to this matter. I look forward to your response. 



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 2024-12-30 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: MI

Complaint narrative:
MICHIGAN XXXX XXXX I, XXXX XXXX, being duly sworn, depose and say : XXXX. Personal Information : - My full legal name is XXXX XXXX. 
- My current address is XXXX XXXX XXXX XXXX, MI XXXX. 
- My date of birth is XX/XX/XXXX. 
- My Social Security Number is XXXX. 
XXXX. Purpose of Affidavit : - I am submitting this affidavit to demand immediate resolution of an inaccurate bankruptcy entry on my credit report. 
- This entry constitutes a serious misrepresentation that negatively impacts my financial reputation. 
XXXX. Details of the Disputed Bankruptcy : - The bankruptcy entry is associated with case number XXXX. 
- The bankruptcy was filed in USBK COURT XXXX MICHIGAN, located in XXXX, MI. 
- Date of filing : XX/XX/XXXX - Date of discharge N/A XXXX. Basis for Dispute : - The bankruptcy entry has been " verified '' by the credit bureau ( XXXX ), yet no verification has been conducted by the original furnisher of this information. 
- Attached is a letter from the bankruptcy court explicitly stating that they do not furnish information to credit bureaus. 
- This invalidates the so-called verification process and demonstrates clear negligence or misrepresentation on the part of the credit bureau XXXX XXXX ). 
XXXX. Demand for Immediate Action : - I demand the immediate removal of this bankruptcy entry from my credit report. 
- I also demand that you provide the specific details of who " verified '' this information and what methods were used. Failure to do so will be viewed as further evidence of willful non-compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Legal Consequences : - Be advised that if this inaccurate information is not removed, I am prepared to file a lawsuit for willful misrepresentation and violations of the FCRA. 
- Your failure to ensure accurate reporting and your reliance on unverified or non-existent sources will be fully documented and presented in court. 
XXXX. Supporting Evidence : - Attached to this affidavit are : - A copy of my credit report highlighting the disputed bankruptcy entry. 
- A letter from the bankruptcy court confirming they do not furnish information to credit bureaus. 
- Any additional relevant documentation. 
XXXX. Sworn Statement : - I certify under penalty of perjury that the information provided in this affidavit is true and accurate to the best of my knowledge.

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 2024-12-30 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: MI

Complaint narrative:
XXXX  XXXX XXXX I, XXXX XXXX, being duly sworn, depose and say : 1. Personal Information : - My full legal name is XXXX XXXX. 
- My current address is XXXX XXXX XXXX XXXX, MI XXXX. 
- My date of birth is XX/XX/XXXX. 
- My Social Security Number is XXXX. 
2. Purpose of Affidavit : - I am submitting this affidavit to demand immediate resolution of an inaccurate bankruptcy entry on my credit report.

- This entry constitutes a serious misrepresentation that negatively impacts my financial reputation.

3. Details of the Disputed Bankruptcy : - The bankruptcy entry is associated with case number XXXX. 
- The bankruptcy was filed in XXXX XXXX XXXX XXXX, located in XXXX, MI. 
- Date of filing : XX/XX/XXXX - Date of discharge N/A 4. Basis for Dispute : - The bankruptcy entry has been " verified '' by the credit bureau ( s ), yet no verification has been conducted by the original furnisher of this information.

- Attached is a letter from the bankruptcy court explicitly stating that they do not furnish information to credit bureaus.

- This invalidates the so-called verification process and demonstrates clear negligence or misrepresentation on the part of the credit bureau ( s ).

5. Demand for Immediate Action : - I demand the immediate removal of this bankruptcy entry from my credit report.

- I also demand that you provide the specific details of who " verified '' this information and what methods were used. Failure to do so will be viewed as further evidence of willful non-compliance with the Fair Credit Reporting Act ( FCRA ).

6. Legal Consequences : - Be advised that if this inaccurate information is not removed, I am prepared to file a lawsuit for willful misrepresentation and violations of the FCRA.

- Your failure to ensure accurate reporting and your reliance on unverified or non-existent sources will be fully documented and presented in court.

7. Supporting Evidence : - Attached to this affidavit are : - A copy of my credit report highlighting the disputed bankruptcy entry.

- A letter from the bankruptcy court confirming they do not furnish information to credit bureaus.

- Any additional relevant documentation.

8. Sworn Statement : - I certify under penalty of perjury that the information provided in this affidavit is true and accurate to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXXXXXX 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 in 60-90 days to be removed.

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. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I only contacted one of my credit card company. I made a payment of {$40.00} and he advised to keep making payment to bring the account current. This is for my XXXX XXXX ( XXXX  XXXX ) account. My XXXX  credit card is coming together slowly but surely. The other credit cards, I would like removed or late payments remove so I can bring them current.

Company response to consumer: Closed with explanation