vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: TX

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2024-11-19 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunbit, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the late payment entries reported by your company to XXXX regarding my account XXXX. It has come to my attention that these entries are inaccurate and do not reflect the actual payment history of my account. 

According to my records, I have consistently made timely payments as agreed upon in our contract. The reported late payments for the XXXX, XXXX, XXXX XX/XX/2024 are not only erroneous but also damaging to my creditworthiness and overall financial standing. 

I am requesting that you thoroughly investigate this matter and provide me with a detailed account of the reasons these inaccuracies were reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any erroneous information contained in my credit report, and I expect a prompt response from you regarding this matter. 

One mistake I noticed it that I made a payment in XXXX but you are reporting me 30 and 90 days late in XXXX & XXXX. I demand that you immediately take steps to remove them from all credit reporting agencies. Failure to correct this misinformation will leave me with no choice but to pursue further actions, including contacting the Consumer Financial Protection Bureau ( CFPB ) and exploring legal remedies. 

Thank you for your attention to this urgent issue. I trust that you will handle it with the seriousness it deserves.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 explanation
Consumer complaint received 2024-11-19 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: SC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My ordeal began after my mother passed away, leaving a will stipulating that if my father sold the church, my sister and I would receive a certain percentage of the profits. The church was subsequently sold to a XXXX XXXX, which issued official bank checks to my father, sister, and myself. Both my sister and father were able to cash their check at their banking institutions with no problems. In XX/XX/year>, when I attempted to cash my check, it was placed on hold for verification by Chase Bank, and I was informed that my account would be closed within 10 days if the issue remained unresolved. 

I immediately contacted Chase, and the representative attempted to reach the issuing organization, without success, and advised me to call back. The following day, I was informed that the organization had not responded. I was assured the hold would be lifted by XX/XX/year>. 

However, on XX/XX/XXXX, the hold was still in place. Chase then informed me that the funds would not be released until the organization verified the check. After the number they had been calling proved unresponsive, I conducted an internet search and provided a new number, which Chase could not verify. Following consultations with our real estate attorneys, I was advised to contact the buyer directly. After numerous attempts, I reached the XXXX of the organization, whose number was also unlisted by Chase. 

After discovering that Chase was contacting a different organization with a similar name, I was advised to have someone from the XXXX XXXX  come to the bank with me to verify their identity. Months later, I flew from XXXX  to XXXX XXXX  with the XXXX, who unfortunately lacked the necessary ownership proof. 

The XXXX explained that the organization had financed the building through loans within their community, and the XXXX XXXX XXXX XXXX was the borrower. Despite confirmation from XXXX XXXX  that the funds had been released, Chase persisted in withholding the funds, demanding verification from someone within the organizationa challenging task given that I had no established relationships there. Chase was unwilling to accept any other proof of funds Amidst this financial turmoil, our family discovered a rat infestation at our home, which prevented us from moving due to the tied-up funds and caused {$2000.00} in damage to my electric vehicle. 

After exhausting all options, including consulting a lawyer who could not assist, I resolved to wait out the two-year period Chase set before sending the funds to the state. As the deadline approaches, Im preparing to reclaim the funds I came across someone who had a similar issue. It was recommended to file this complaint. I really hope this organization can help me resolve this prolonged issue with Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: VA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
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. ''

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 2024-11-19 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2024-11-19 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
synchrony bank be removed as a charge off on my account while synchrony Bank should not be on my credit report at all as I owe them nothing nor do I know anything about this third party company now claiming this debt that they sold to back on XX/XX/year>XXXX  named XXXX XXXX XXXX, whom I never enter into a consumer transaction with. The Fair Credit Reporting Act states that if a consumer notices inaccuracies or incompleteness of information they are to send a notice of a dispute to a consumer reporting agency notifying them of such inaccuracies or incompleteness. After going back-and-forth, yall keep stating that the accounts are accurate and verified your company has failed to conduct a proper investigation as there are still inaccuracies or incompleteness of the accounts that were in the initial notice of dispute which is a violation of 15 U.S.C. & 1681 ( i ) As I request again with proof of me, owing synchrony bank nothing the letter that they provided stating that they do not own this debt, which means I do not owe this debt to synchrony bank so again please remove this inaccuracy from my Report today. They have also violated my consumer rights per USC, 6802 please respect my rights under the FCRA Section 611 Part ( A ) ( 1 ) as this is the over the 3rd attempt to fix these inaccuracies in a timely manner per 15 usc 1602 in any consumer, credit transaction, the actual natural person is the one extending the credit and we know businesses arent natural persons. Im the consumer in which the debt is arising This company is violating my rights per 15 usc 1602p. Please update my information in a timely manner Per FCRA 611 Part ( A ) ( 1 ) 15 days or sooner 60 days is not acceptable again These are inaccurate on top of I am a victim of the XXXX XXXX breach, so everything that I have been requesting should have been updated through all three credit bureaus, and it was not so today I stand here stating I am challenging jurisdiction with evidence here of my letter from the homeland security, showing that I am not in your jurisdiction, on top of letting you know that securities fraud and inaccurate reporting is causing damages to me my natural living breathing self and my credit report. Hindering me from being able to purchase a car for me and my children as the winter time is approaching and they have to walk to the bus stop in the freezing cold. They have missed half of their football and cheer season due to me, not being able to get them there because I do not have a car and Im being denied loans for a car, Due to these inaccurate reporting on my credit report and I am unable to purchase us a new home as well with these inaccuracies. i am also requesting that these items be removed within 15 days

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I have a mortgage with Citizens Bank, in XX/XX/XXXX, I fell on a hardship and requested assistance. In XXXX they approved me for a partial claim and deferred my payments for 3 months ( XXXX, XXXX and XXXX ). I resumed payments on a 3 month trial basis on XX/XX/XXXX, XXXX XXXX XXXX and received and returned the documents for the permanent modification mid XXXX. I have not missed a payment, yet they reported a missed payment in XXXX causing my credit score to drop XXXX + points, I disputed and they removed it and added an erroneous note that said I made a partial payment. I received a credit alert on XX/XX/XXXX that said my account was 90 days past due which is inaccurate and that they had not received my XXXX payment which was paid on XX/XX/XXXX. I have not missed nor been late on a payment ever. This resulted in my score dropping another XXXX points and has caused long time creditors to close some of my accounts. I contacted them and they said they made a mistake and applied it to XXXX ( which I was in deferment status at that time ) so another mistake on their part. I have every letter that they sent after correcting their mistakes but this last incident, I have disputed and have not received an update. I want the incorrect info of 90 days past due removed and my credit restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: PA

Complaint narrative:
There are still accounts on my credit report that should not be there ; I have filed your company a dispute last month XX/XX/year>XXXX  which I am quite clear about the accounts that were fraudulent and in issue.

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 2024-11-19 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: PA

Complaint narrative:
There are still accounts on my credit report that should not be there ; I have filed your company a dispute last month XX/XX/year>XXXX  which I am quite clear about the accounts that were fraudulent and in issue.

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 2024-11-19 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2024-11-19 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: MA

Complaint narrative:
Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code1681i ( 5 ) Treatment of inaccurate or un, verifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please Remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief