vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: WI

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a possible misunderstanding about their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I was not notified of their return and have not received any communication about this matter by mail.

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 2024-12-27 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was the victim of a data breach and identity theft. I reached out to the companies AND the credit bureaus in reference to the illegally obtained accounts. XXXX has informed me that they have crossed my personal credit profile with someone with the same name as that lives in another state. I asked numerous times for the files to be separated, they said they were but needed time to remove the inquires. Since then, there has been another identifiable account from XXXX XXXX XXXX on my credit report that has no business phone number or address to reach them. There are currently 12 inquires that should not be on my credit report because I haven't applied for anything, in addition to this illegally obtained account, I have mailed in my FTC report, ID, and social security card along with a letter with the fraudulent accounts listed, twice. XXXX has no option to upload all this information. They are continuously stating they have yet to receive my information. 

Simultaneously, Experian has been going back and forth with me for months about an XXXX account that has been open for 3 years, that its not mine. I have also informed them about the identity theft, and the security breach. They have done nothing to remove the account, even after I have called over a dozen times, and uploaded proof 7 times, and also contacted XXXX, who has also stated the account was fraud. They have a social security number, email address, and phone number of someone else. Which would confirm that the account was fraudulently obtained by someone else.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) to formally dispute the inaccurate information listed in my consumer report maintained by LexisNexis. The FCRA requires that consumer reporting agencies maintain accurate and complete information and allows individuals to dispute any inaccuracies. 

Upon review of my consumer report, I have identified several errors that I am requesting be corrected or removed. Below is a summary of the inaccuracies : 1. Incorrect Personal Information : My correct name is XXXX XXXX. The following names are inaccurate and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only address is XXXX XXXX XXXX XXXX XXXX  TX XXXX. Any other listed addresses should be removed. 

My only phone number is XXXX. Please remove any other phone numbers. 

2. Unauthorized Inquiry and Account Information : I have never had an account with XXXX, nor have I made any inquiries or held insurance with them. Please remove any references to XXXX from my consumer report, as this information is inaccurate. 

3. Incorrectly Associated Individuals : The following individuals are not associated with me and must be removed from my C.L. U.E consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Bankruptcy Record Discrepancy : You previously indicated in your investigation that no bankruptcy record is on file or reported to the three major credit bureaus ( XXXX, XXXX, and XXXX ). However, my consumer report still reflects a bankruptcy record with XXXX XXXX XXXX. 

Under the FCRA, inaccurate information such as this must not be included in my consumer report. Please remove all bankruptcy records immediately. 

If you determine that any of the disputed information is verified, I request that you provide : The source of the verification, including the name, address, and contact phone number of the verifying entity. 

If you are unable to verify the disputed information or locate the related records, I am requesting the immediate deletion of these items from my consumer file, as mandated by the FCRA from my Consumer Credit Report and notify XXXX, XXXX and XXXX XXXX 

Please confirm receipt of this letter and provide me with an updated copy of my consumer report once the necessary corrections have been made. I trust that you will handle this matter promptly and in compliance with federal law. 

Thank you for your attention to this matter. Once completed and all inaccurate accounts removed, please kindly provide a copy of my updated consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: MN

Complaint narrative:
This letter serves as my second formal complaint regarding multiple fraudulent accounts appearing on my credit report that are not mine. Despite my previous dispute filed over 30 days ago, these accounts have not been validated or removed as required by law. I am demanding immediate action to resolve these issues. The fraudulent accounts in question include DEPTEDXXXX ( Account # XXXX and # XXXX, appearing multiple times as duplicates ), XXXX ( Account # XXXX and # XXXX ), and XXXX XXXX XXXXXXXX ( Account # XXXX ). Issues identified include discrepancies in open dates and reporting details across credit bureaus, erroneous late payment histories, and false collection or charge-off statuses. These violations include 15 U.S. Code 1692g ( a ) - failure to notify me in writing within five days of reporting the debt, 15 U.S. Code 1681e ( b ) - failure to ensure maximum accuracy, 15 U.S. Code 1692g ( b ) - failure to validate debts, 15 U.S. Code 1681c-2 - failure to block fraudulent accounts, and 15 U.S. Code 1681s-2 ( b ) - failure to investigate and correct inaccuracies. Furthermore, under 15 U.S. Code 1681i ( a ) - failure to reinvestigate and correct inaccurate information within the 30-day period and 15 U.S. Code 1681i ( c ) - failure to include notice of the dispute in subsequent reports, I request the Consumer Financial Protection Bureau ( CFPB ) enforce compliance and exercise its authority to mandate the immediate removal and blocking of these accounts as stipulated by 15 U.S. Code 1681c-2. I request the immediate removal of these accounts from my credit report, written confirmation that they will not be re-reported, and compliance with federal laws cited. Failure to address this matter promptly has already caused me undue harm and damage to my creditworthiness, and I will escalate my complaint to the CFPB and pursue legal remedies if unresolved. Please treat this matter with urgency and provide a written response within 15 days of receipt of this letter. 

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 2024-12-27 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: MN

Complaint narrative:
This letter serves as my second formal complaint regarding multiple fraudulent accounts appearing on my credit report that are not mine. Despite my previous dispute filed over 30 days ago, these accounts have not been validated or removed as required by law. I am demanding immediate action to resolve these issues. The fraudulent accounts in question include DEPTEDXXXX XXXX Account # XXXX and # XXXX, appearing multiple times as duplicates ), XXXX ( Account # XXXX and # XXXX ), and XXXX XXXX XXXXXXXX ( Account # XXXX ). Issues identified include discrepancies in open dates and reporting details across credit bureaus, erroneous late payment histories, and false collection or charge-off statuses. These violations include 15 U.S. Code 1692g ( a ) - failure to notify me in writing within five days of reporting the debt, 15 U.S. Code 1681e ( b ) - failure to ensure maximum accuracy, 15 U.S. Code 1692g ( b ) - failure to validate debts, 15 U.S. Code 1681c-2 - failure to block fraudulent accounts, and 15 U.S. Code 1681s-2 ( b ) - failure to investigate and correct inaccuracies. Furthermore, under 15 U.S. Code 1681i ( a ) - failure to reinvestigate and correct inaccurate information within the 30-day period and 15 U.S. Code 1681i ( c ) - failure to include notice of the dispute in subsequent reports, I request the Consumer Financial Protection Bureau ( CFPB ) enforce compliance and exercise its authority to mandate the immediate removal and blocking of these accounts as stipulated by 15 U.S. Code 1681c-2. I request the immediate removal of these accounts from my credit report, written confirmation that they will not be re-reported, and compliance with federal laws cited. Failure to address this matter promptly has already caused me undue harm and damage to my creditworthiness, and I will escalate my complaint to the CFPB and pursue legal remedies if unresolved. Please treat this matter with urgency and provide a written response within 15 days of receipt of this letter. 

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 2024-12-27 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: MN

Complaint narrative:
This letter serves as my second formal complaint regarding multiple fraudulent accounts appearing on my credit report that are not mine. Despite my previous dispute filed over 30 days ago, these accounts have not been validated or removed as required by law. I am demanding immediate action to resolve these issues. The fraudulent accounts in question include DEPTEDXXXX ( Account # XXXX and XXXX XXXXXXXX, appearing multiple times as duplicates ), XXXX ( Account # XXXX and # XXXX ), and XXXX XXXX XXXXXXXX ( Account # XXXX ). Issues identified include discrepancies in open dates and reporting details across credit bureaus, erroneous late payment histories, and false collection or charge-off statuses. These violations include 15 U.S. Code 1692g ( a ) - failure to notify me in writing within five days of reporting the debt, 15 U.S. Code 1681e ( b ) - failure to ensure maximum accuracy, 15 U.S. Code 1692g ( b ) - failure to validate debts, 15 U.S. Code 1681c-2 - failure to block fraudulent accounts, and 15 U.S. Code 1681s-2 ( b ) - failure to investigate and correct inaccuracies. Furthermore, under 15 U.S. Code 1681i ( a ) - failure to reinvestigate and correct inaccurate information within the 30-day period and 15 U.S. Code 1681i ( c ) - failure to include notice of the dispute in subsequent reports, I request the Consumer Financial Protection Bureau ( CFPB ) enforce compliance and exercise its authority to mandate the immediate removal and blocking of these accounts as stipulated by 15 U.S. Code 1681c-2. I request the immediate removal of these accounts from my credit report, written confirmation that they will not be re-reported, and compliance with federal laws cited. Failure to address this matter promptly has already caused me undue harm and damage to my creditworthiness, and I will escalate my complaint to the CFPB and pursue legal remedies if unresolved. Please treat this matter with urgency and provide a written response within 15 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: GA

Complaint narrative:
Experian through use of small print on its webpage has induced me into a arbitrary agreement, preventing me from pursuing legal action against them for pending acts they are committing in my credit report In violation of my rights under FCRA i therefore herein am opting out of any and all arbitration agreements that i have made with within last 30 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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date : XX/XX/XXXX JPMorgan Chase Bank , N.A . 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Complaint Regarding Fraudulent GAP Insurance on Vehicle Loan Dear Chase Representative, I am writing to formally address and dispute the terms of my vehicle loan for a XXXX XXXX XXXX financed on XX/XX/XXXX, under account number ending in XXXX. I have discovered that the dealership involved in this transaction fraudulently included GAP insurance in the loan terms, despite GAP insurance not being permitted for commercial vehicles. 

At the time of purchase, the dealership misrepresented the necessity of GAP insurance, presenting it as a required part of the loan agreement. This misrepresentation constitutes fraudulent behavior. Furthermore, JPMorgan Chase Bank did not acknowledge the GAP insurance in the final loan expenses, even though it was paid as part of the transaction. This omission and lack of disclosure further contribute to the lack of transparency surrounding this loan. 

As the GAP insurance was inappropriately added, and the dealership 's practices were deceptive, I am requesting the following : Investigation into the dealership 's practices related to this loan and the improper sale of GAP insurance. 
Immediate removal of the loan from my records, as it was established under fraudulent and misrepresented terms.

Refund of any amounts paid toward the GAP insurance as it was not legally or contractually applicable to this vehicle.

Attached to this letter are relevant documents, including details of the vehicle loan and terms. I believe these demonstrate the issues with the loan and GAP insurance.

I request a timely response and resolution to this matter. Please contact me directly at XXXX or XXXX if you require additional information or documentation. 

Thank you for your attention to this serious matter. I trust that Chase Bank will uphold its commitment to ethical financial practices and work with me to resolve this issue fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: FL

Complaint narrative:
My accounts 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 to be removed/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. 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!

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 2024-12-27 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: CITIBANK, N.A.
State: WI

Complaint narrative:
In accordance with the fair credit reporting act convergent Best Buy, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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