vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 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: NJ

Complaint narrative:
XXXX XXXX XXXX was the bank I had when I had a card note for a XXXX XXXX XXXX. They stated on my credit report that I was 30 days late even though I made a payment for the car that month I dont have the exact date on hand but as soon as you send his report out, they will know exactly what youre referring to on my credit report that car is now paid full. When I called the credit bureau XXXX XXXX they told me it was reported in XXXX that is affecting my credit score and I need that to be removed immediately, I was always on time and always made sure my bills were paid and proof is the car is paid in full.

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 2024-10-04 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: CA

Complaint narrative:
This is really alarming, I recently checked my credit report and I have found numerous credit inquiries which I believe to be fraudulent as I neither recognize them nor have applied to them. It's giving me undue stress and XXXX  as I might already be a possible victim of identity theft, these seemed to have been done online and I'm still wondering how these companies managed to access my credit report and you placing this on it.

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 2024-10-04 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 account with EXPERIAN 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. 


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. 


EXPERIAN 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 non-monetary relief
Consumer complaint received 2024-10-04 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-04 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: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
I am filing this CFPB identity Theft Affidavit to report a fraudulent account appearing on my Chex System 's consumer report which i do not recognize as reported and which are the result of identity theft and fraud. This Fraudulent account consist of a bank personal checking account opened at XXXX XXXX XXXX XXXX under XXXX # XXXX, closure date XX/XX/year>, charge off balance {$450.00}. Inaccurate addresses XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX. Inaccurate names XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. These accounts have resulted in fraudulent charge offs, hard inquires, and personal information appearing on my Chex Systems consumer report and XXXX Credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and Chex Systems consumer reports, that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Chex Systems credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
My identity was used to get a lease in my name without my knowledge which was a result in fraud I have reported it to credit bureau and placed a fraud alert on my account since this has happened and the company has refused to remove the item and close it, XX/XX/year> I got notification that the account was closed with a balance and then today they have reopened the case back open after I have reported it was fraudulent, they have allowed a fraudulent dept continue to remain on my credit when I have never rented a apartment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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:
A dispute letter was sent to Experian requesting an investigation into an account that is not mine. The bureau and company responded without offering the requested information used to determine if the account is in fact mine. Experian and XXXX are in violation of my consumer rights under the 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 explanation
Consumer complaint received 2024-10-04 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: TX

Complaint narrative:
All XXXX credit bureaus are still leaving items remaining on my credit report that are not mine. I am a victim of identity theft and have my police report of when my home was vandalized. I have been fighting these matters since 2015. My attorney is assisting me by disputing these items and XXXX is not removing them when my information has been compromised.

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 2024-10-04 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: TX

Complaint narrative:
All XXXX credit bureaus are still leaving items remaining on my credit report that are not mine. I am a victim of identity theft and have my police report of when my home was vandalized. I have been fighting these matters since 2015. My attorney is assisting me by disputing these items and XXXX is not removing them when my information has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
on XX/XX/year> I was being threatened by a scam caller and purchased gift cards out of duress. I was panicking and scared of being thrown in XXXX  when I purchased XXXX gift cards for $ XXXX ( nearly {$1000.00} ). At the time I thought it was the actual police and XXXX government departments because the numbers looked exactly like the official phone numbers. I later found out scammers have the ability to disguise the numbers and contacted XXXX but they could do nothing. I contacted chase and they refused to help me. For some reason they don't consider deception a form of fraud I am considering dropping Chase at this point with how badly I was burned by their lack of help when I was victimized

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible.

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 2024-10-04 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: IL

Complaint narrative:
Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: TX

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 2024-10-04 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: LA

Complaint narrative:
On XX/XX/year> my credit score was XXXX and later that evening my score dropped down XXXX points to a XXXX. No one as Experian could give me a reason why it dropped. My credit is good and for some strange reason it's gets to a high XXXX then for no reason at all it drops. I have no credit card over usage and no missed payments. I have a collection that is currently being investigated and I did the investigation myself and it was even me it was identity theft. I need a reason as to why my score dropped XXXX points no one told me anything and I'm frustrated because there is no reason for it. Please 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 2024-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
On XX/XX/year> I paid {$580.00} to Dillards Wells Fargo American Express Credit Card online. The due date was XX/XX/year>. On XX/XX/year> XXXX acquired all of the accounts from Wells Fargo and received my Personal Identification Information from them as well. XXXX sent a credit card that I never activated because I cleared the balance owed with Wells Fargo on XX/XX/XXXX. The payment showed pending and I took a screenshot of my online transaction of the payment. Wells Fargo advised that the payment would be transferred but it never got transferred and now XXXX refuses to get the payment information from the bank I originally incurred the debt and made the payment in full. I have no way of contacting Wells Fargo and XXXX and sending threatening letters of past due payments requesting for me to make another payment! I refuse to give out payment information in this amount twice!

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 monetary relief
Consumer complaint received 2024-10-04 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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