vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Pursuant to the Truth in lending act ; The Truth in Lending Act ( TILA ) of 1968 is a United States federal law designed to promote the informed use of consumer credit, by requiring disclosures about its terms and cost to standardize the manner in which costs associated with borrowing are calculated and disclosed. I was denied a extension of my own credit without proper disclosure. Pursuant to 15 U.S. Code 1602 - Definitions and rules of construction ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.

I have expressed this US Code with the agents of chase bank and they both still denied overturning the decision. I also explained that a FICO SCORE has nothing to do with a Consumer credit transactions. As the Grantor/Beneficiary of The Estate " XXXX XXXX XXXX '' makes me the Alive Natural person whom is the original creditor that has the rights to extend his credit as a consumer credit transaction and should not be denied my equity. 15 U.S. Code 1602 ( e ) The term person means a NATURAL PERSON or an organization. Pursuant to Securities Act of 1933 there is only Security Notes in circulation which grants me the creditor of every Security Note endorsed by me the natural person. There is No Banks without my Equitable endorsement. My XXXX XXXX should have NEVER be violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: SC

Complaint narrative:
Recently I did an investigation on my credit report and 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. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall 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 : Experian**** 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 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 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 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 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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I ordered my credit report from XXXX XXXX and my Equifax report didnt come up. Ive been told this might be due to an error in my personal information you have on file. In this letter Ive included all of my current and correct personal information so this can be corrected. 
I have included the following information : Copy of my photo ID Proof of current address Please use these documents to verify my ID and make my credit report available. 
Also, please remove any name variations that dont match my ID. Please remove any addresses that dont match my current and valid address. 

Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: CA

Complaint narrative:
I am submitting this formal complaint and request for investigation regarding inaccurate late payment information reported by XXXX XXXX XXXX XXXX on my student loan accounts. This letter serves as my second request for correction after my previous attempt to dispute this error with the credit bureaus and XXXX XXXX XXXX XXXX has not been appropriately addressed. 
The accounts in question are : Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) My credit report incorrectly indicates a XXXX late payment for XX/XX/XXXX, despite my payments being on time for XX/XX/XXXX and for the months following, specifically XXXX, XXXX, and XX/XX/XXXX. XXXX XXXX 's reporting of a XXXX late payment for XX/XX/XXXX is inconsistent with the payment history before and after that period. 
Under XXXX XXXX. XXXX ( b ) of the Fair Credit Billing Act and 15 U.S.C. 1637 ( a ) of the Truth in Lending Act, I have the right to dispute and correct inaccurate information on my credit reports. I believe that XXXX XXXX has failed to properly verify the accuracy of the information in question, and I am requesting the Consumer Financial Protection Bureau 's assistance in resolving this matter. 
Given the nature of this error and its negative impact on my credit profile, I respectfully request that the CFPB require XXXX XXXX and the credit reporting agencies ( XXXX, TransUnion, and XXXX ) to investigate the matter and permanently delete the incorrect XXXX late payment from my credit file for the accounts listed. 
Enclosed with this letter, you will find : XXXX. A copy of my credit report, highlighting the disputed entries. 
XXXX. Payment records for the relevant months, confirming my timely payments for the periods in question. 
I appreciate your prompt attention to this matter and look forward to a resolution within the required investigation period. Please provide written confirmation once this issue has been fully resolved.

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 2024-10-09 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: CA

Complaint narrative:
I am submitting this formal complaint and request for investigation regarding inaccurate late payment information reported by XXXX XXXX XXXX XXXX on my student loan accounts. This letter serves as my second request for correction after my previous attempt to dispute this error with the credit bureaus and XXXX XXXX XXXX XXXX has not been appropriately addressed. 
The accounts in question are : Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) My credit report incorrectly indicates a XXXX late payment for XX/XX/XXXX, despite my payments being on time for XX/XX/XXXX and for the months following, specifically XXXX, XXXX, and XX/XX/XXXX. XXXX XXXX 's reporting of a XXXX late payment for XX/XX/XXXX is inconsistent with the payment history before and after that period. 
Under XXXX XXXX. XXXX ( b ) of the XXXX Credit Billing Act and XXXX XXXX. XXXX ( a ) of the Truth in Lending Act, I have the right to dispute and correct inaccurate information on my credit reports. I believe that XXXX XXXX has failed to properly verify the accuracy of the information in question, and I am requesting the Consumer Financial Protection Bureau 's assistance in resolving this matter. 
Given the nature of this error and its negative impact on my credit profile, I respectfully request that the CFPB require XXXX XXXX and the credit reporting agencies ( XXXX, XXXX, and Equifax ) to investigate the matter and permanently delete the incorrect XXXX late payment from my credit file for the accounts listed. 
Enclosed with this letter, you will find : XXXX. A copy of my credit report, highlighting the disputed entries. 
XXXX. Payment records for the relevant months, confirming my timely payments for the periods in question. 
I appreciate your prompt attention to this matter and look forward to a resolution within the required investigation period. Please provide written confirmation once this issue has been fully resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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
Consumer complaint received 2024-10-09 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-10-09 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights 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 non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights 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 2024-10-09 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 consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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 2024-10-09 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: NC

Complaint narrative:
RE XXXX XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-09 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: FL

Complaint narrative:
XXXX XXXX ( Account # XXXX ) is reported inaccurately on my credit report across all three major bureaus : XXXX XXXX XXXX XXXX and TransUnion XXXX The information reported does not comply with FCRA Section 611 ( 15 U.S.C. 1681i ) and Metro 2 standards, and shows multiple discrepancies : - Inconsistent Dates : Dates such as 'Date Opened, ' 'Date of Last Activity, ' and 'Date Reported ' do not align across credit bureaus and contain gaps that suggest inaccuracies. 

- Account Status Inaccuracies : Although the balance is {$0.00}, the account is still reflected with late statuses like 'Late 60 Days ' and 'Late 90 Days, ' which do not correspond to the accounts final status.

- Failure to Provide Verified Documentation : I have requested verification of these data fields, but XXXX XXXX has not provided documented proof of accuracy or compliance with regulatory reporting standards. 

This inaccurate reporting has unfairly impacted my creditworthiness, and I request either verified documentation of compliance or immediate deletion of the account from all credit bureaus.

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 2024-10-09 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: FL

Complaint narrative:
XXXX XXXX ( Account # XXXX ) is reported inaccurately on my credit report across all three major bureaus : Equifax XXXX XXXX XXXX and XXXX XXXX The information reported does not comply with FCRA Section 611 ( 15 U.S.C. 1681i ) and Metro 2 standards, and shows multiple discrepancies : - Inconsistent Dates : Dates such as 'Date Opened, ' 'Date of Last Activity, ' and 'Date Reported ' do not align across credit bureaus and contain gaps that suggest inaccuracies. 

- Account Status Inaccuracies : Although the balance is {$0.00}, the account is still reflected with late statuses like 'Late 60 Days ' and 'Late 90 Days, ' which do not correspond to the accounts final status.

- Failure to Provide Verified Documentation : I have requested verification of these data fields, but XXXX XXXX has not provided documented proof of accuracy or compliance with regulatory reporting standards. 

This inaccurate reporting has unfairly impacted my creditworthiness, and I request either verified documentation of compliance or immediate deletion of the account from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: TX

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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 2024-10-09 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: AL

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : Personal Information : Previous Address ( es ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-09 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: FL

Complaint narrative:
XXXXm really upset to discover inaccurate accounts on my credit report this morning, and I cant understand why theyre there. Im diligent about checking my credit report, but today I was blindsided by random discrepancies. Hoping it was a browser issue, I refreshed the page, but the inaccuracies didnt go away. Because of this, Im requesting that the documents I submitted be carefully checked so I can finally stop stressing about my credit report once and for all.

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