vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 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: MD

Complaint narrative:
I am writing to report that I am a victim of fraud, and I have discovered that XXXX, XXXX, and TransUnion are reporting inaccurate information on my credit reports as a result. 
I recently learned that my personal information, including my Social Security number, has been compromised. Unauthorized individuals have opened accounts in my name. Upon reviewing my credit reports from the XXXX major credit bureaus, I found several inaccuracies that are negatively affecting my XXXX XXXX. 
The following accounts are inaccurately reported on my credit report as a result of identity theft : - XXXX XXXX XXXX : {$32000.00} - XXXX XXXX XXXX {$14000.00} - XXXX XXXX  : {$25000.00} - XXXX XXXX XXXX XXXX {$6400.00} These accounts do not belong to me, and I have not authorized any transactions or agreements related to them. 

The presence of this false information has caused me significant distress and has impacted my ability to manage my finances. Im concerned about the long-term implications for my creditworthiness and overall financial health. 

XXXX. I have contacted each credit bureau to dispute these inaccuracies and requested a fraud alert on my accounts. 
XXXX. I filed a report with the local police department related to the fraud. 
XXXX. I am actively monitoring my accounts and reporting any unauthorized activity to my financial institutions. 

I seek your assistance in correcting these errors on my credit reports and ensuring my information is accurately represented to prevent further negative impacts on my credit. 

Thank you for your attention to this urgent matter. I hope to resolve this situation promptly. 

-- -

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to report that I am a victim of fraud, and I have discovered that XXXX, Equifax, and XXXX are reporting inaccurate information on my credit reports as a result. 
I recently learned that my personal information, including my Social Security number, has been compromised. Unauthorized individuals have opened accounts in my name. Upon reviewing my credit reports from the XXXX major credit bureaus, I found several inaccuracies that are negatively affecting my credit score. 
The following accounts are inaccurately reported on my credit report as a result of identity theft : - XXXX XXXX XXXX : {$32000.00} - XXXX XXXX XXXX XXXX$14000.00} - XXXX XXXX  : {$25000.00} - *XXXX XXXX XXXX XXXX {$6400.00} These accounts do not belong to me, and I have not authorized any transactions or agreements related to them. 

The presence of this false information has caused me significant distress and has impacted my ability to manage my finances. Im concerned about the long-term implications for my creditworthiness and overall financial health. 

XXXX. I have contacted each credit bureau to dispute these inaccuracies and requested a fraud alert on my accounts. 
XXXX. I filed a report with the local police department related to the fraud. 
XXXX. I am actively monitoring my accounts and reporting any unauthorized activity to my financial institutions. 

I seek your assistance in correcting these errors on my credit reports and ensuring my information is accurately represented to prevent further negative impacts on my credit. 

Thank you for your attention to this urgent matter. I hope to resolve this situation promptly. 

-- -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: FL

Complaint narrative:
I am submitting this complaint against EXPERIAN regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( s ) : 1 ) Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, time XX/XX/XXXX Days Late and amount past due. 
XXXX ) Account Name XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, status and account details Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EXPERIAN has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : letter XXXX, Proof of Inaccurate, ID, Bill, SSN

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 2024-10-28 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: FL

Complaint narrative:
I am submitting this complaint against EXPERIAN regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( XXXX ) : XXXX ) Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, time XX/XX/XXXX Days Late and amount past due. 
XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, status and account details Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EXPERIAN has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : letter XXXX, Proof of Inaccurate, ID, Bill, SSN

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the bankruptcy notation on my credit report that is reported for the XXXX XXXX XXXX  as it appears to be erroneous. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure accuracy in the information that appears on credit reports. I have reviewed my report carefully and noted that a bankruptcy filing is inaccurately listed. I have reached out the bankruptcy court and they advised they do not report to ANY credit reporting agency, so they did not supply the information being reported.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the bankruptcy notation on my credit report that is reported for the XXXXXXXX XXXX XXXX, as it appears to be erroneous. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure accuracy in the information that appears on credit reports. I have reviewed my report carefully and noted that a bankruptcy filing is inaccurately listed. I have reached out the bankruptcy court and they advised they do not report to ANY credit reporting agency, so they did not supply the information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: FL

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
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 


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 TRANSUNION 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! 


Update 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 non-monetary relief
Consumer complaint received 2024-10-28 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: MD

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated. 


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 EXPERIAN 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! 


Update 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 2024-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX, I became aware of late account. Balance was {$44.00}. Contacted Comenity Bank. Late fee was reduced and balance paid in full {$29.00}. Also recieved letter Comedity would update delinquency reported by them for XXXX and also XXXX as current.This letter was dated XXXXHowever, Comenity reported this account delinquent on XXXX XXXX. 
I have made several phone calls about the inaccurate reporting. The agents cant explain why this was done. I was told to take it up with credit bureau. This inaccurate reporting caused my credit score to drop! I am worried Comenity is abusing my reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Got a Chase Freedom FLEX credit card in my name XXXX ending XXXX, with expiry XX/XX/XXXX. 
Called the company on XX/XX/XXXX and informed, got this card, as I was not expecting or I didn't authorize to issue this card. They transferred to their fraud dept, and who informed this will be closed, and a letter communication will be sent to me to this effect. They also said, they can put a fraud alert, and asked me to put a fraud alert on any one of the three credit reporting agencies. 
I did that with XXXX, today, XX/XX/XXXX. 
Surprised to see why Chase Freedom FLEX issuing Credit cards without my application or authorizarion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: AL

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 non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally submit a complaint against XXXX XXXX for the following reasons : 1 ) XXXX XXXXe has an accurately reported a foreclosure on my home which is a fraudulent foreclosure due to a bifurcation or a separation of my promissory note and title. Both are supposed to be held at the county clerk 's office in XXXX XXXX and there is no promissory note attached to the title, so this makes it a separation which is illegal and is fraudulent and makes the mortgage null and void per the Supreme Court case " 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 ) I also want to report a breach of contract with XXXX XXXX in regard to my security deed I attempted to resend my security deed because I never gave XXXX XXXX XXXXonsent to sell my securities interest, so this is also security fraud I attempted several times to resend my security deed contract again and again. I never gavXXXX XXXX XXXX  consent or provided a gift of convenience to my security interest. 
XXXX ) XXXXXXXX XXXX XXXX has reported inaccurate information regarding my account that I have a foreclosure but the mortgage is not valid so there should be no foreclosure on my credit reporting to the XXXXhree credit reporting agencies. This misinformation has adversely affected my credit score and financial standing. 
XXXX ) I'm concerned thXXXX XXXX XXXX  may be abusing loans obtained from the federal reserve. It appears that these funds are not being utilized in a manner consistent with the ethical banking practices, particularly in relationship to my account. 
XXXX ) I also want to report an abusive insurance policy ; the bank charged me while collecting on the insurance policy that was supposed to insure my account. This practice appears to be an abuse of insurance coverage and has resulted in additional financial burden on me.

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