vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 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: NC

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE 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.

This company 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 2024-08-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
There are false accounts reporting to XXXX XXXX XXXX, and XXXX XXXX that are hindering me from securing traditional banking services. I am the XXXX XXXX XXXX and have a different middle as well as an additional last. I am either a victim of identity theft or these companies are pulling misinformation from the other XXXX XXXX in my family. I honestly do not know which has happened, I have no knowledge of opening these accounts let alone making transactions within them and I am being held responsible for the monetary loss of these institutions and I had no part in any of this. I am a young man trying to become a responsible and I can not even open a bank account. This is disheartening to say the least. Please help me, when I reach out to these institutions I am receiving no help or way to rectify these situations.

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 2024-08-22 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:
Subject : Complaint Against EQUIFAX for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, EQUIFAX has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of EQUIFAX to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that EQUIFAX upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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:
Subject : Complaint Against EXPERIAN for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EXPERIAN for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Amount : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, EXPERIAN has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of EXPERIAN to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and XXXX. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against EXPERIAN for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that EXPERIAN upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, 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 2024-08-22 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : OAG CHILD SU Account Number : XXXX Account Name : OFFICE OF THE ATTY GEN Account Number : XXXX Account Name : ATTORNEY GENERAL-CHI Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: VA

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX : {$85000.00} XXXX XXXX XXXX : {$120000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: VA

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX : {$85000.00} XXXX XXXX XXXX : {$120000.00}

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 2024-08-22 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX and

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 2024-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JP Morgan Chase XXXX XXXX XXXX XXXX, DE XXXX To : CFO/CEO/LEGAL DEPARTMENT , Formal Notice of Liability, Violation of 12 U.S.C. 411, 412, G.A.A.P., Equal Credit Opportunity Act, and Opportunity to Cure This correspondence is a Formal Notice of Liability and legal demand to JP Morgan Chase on behalf of XXXX XXXX XXXX XXXX XXXX regarding violations of federal law and ethical business standards related to the denial of credit on XX/XX/year>. 

JP Morgan Chase has engaged in actions that contravene : - 12 U.S.C. 411 and 412 : These statutes govern the equitable provision of money and credit by financial institutions. Your denial of credit, without justification or transparency, constitutes a failure to comply with these provisions, directly infringing on my consumer right to fair access. 
- Equal Credit Opportunity Act ( 15 U.S.C. 1691 et seq. ) : This act mandates that no individual be denied access to credit based on discriminatory factors. Your actions appear to violate these provisions, resulting in an unlawful denial of credit to me. 
- G.A.A.P. : As a financial institution, JP Morgan Chase is bound by G.A.A.P., which requires transparency and fairness in decision-making. Your failure to adhere to these principles constitutes not only a legal violation but also a breach of trust with the public. 
- XXXX XXXX ( XXXX XXXX ) : The moral standards embedded in law require fairness and impartiality in financial dealings. Your institutions disregard for these principles further amplifies your liability. 

This letter provides an opportunity to cure these breaches by reconsidering the denied credit application and granting an appropriate line of credit, reflective of my financial standing, within 14 days from receipt of this letter. Failure to act will result in the filing of formal complaints with federal regulatory bodies, as well as the initiation of legal proceedings for damages, including but not limited to, compensation for lost financial opportunities, emotional distress, and punitive damages. 

JP Morgan Chases conduct has caused significant and demonstrable harm to me. I reserve the right to demand full compensation for this harm, seek injunctive relief, and pursue a court order mandating corrective actions. Further, should this issue proceed to litigation, I will aggressively seek discovery of internal communications and records to demonstrate a pattern of discriminatory or unlawful conduct. 

Please consider this notice your final opportunity to address these violations and mitigate the financial and reputational risks that could arise from your failure to act. 

Sincerely, /s/ XXXX XXXX XXXX XXXXXXXX XXXX 
President/ Trustee/Non-Decedent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: NC

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE 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.

This company 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: NC

Complaint narrative:
I need your help regarding this incorrect account listed on my credit report. Ive brought this to your attention because its harming my reputation, and I need your support. Your poor management of my credit report has brought me significant trouble, and your inaccurate reporting has damaged my reputation. You need to correct these mistakes so I can live peacefully with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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:
I need your help regarding this incorrect account listed on my credit report. Ive brought this to your attention because its harming my reputation, and I need your support. Your poor management of my credit report has brought me significant trouble, and your inaccurate reporting has damaged my reputation. You need to correct these mistakes so I can live peacefully 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
Consumer complaint received 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I tried to setup XXXX on my checking account and it locked my account and removed it from my online portal where I have other Citi accounts linked. I was able to unlock it after days of difficulties and multiple calls and transfers. I tried to set it up again and it relocked it. I got it unlocked. Then I used it at the atm and it relocked the account. Every time I call I am thrown through hoops and asked many many personal questions they say the information I give them doesn't match public records. They say they are having system issues and updates and they hang up even though I am not being mean I just ask questions about it and they just hang up or transfer me to someone else or another department and have several verification questions just to say they can not help me after asking more questions and long hold times. They were able to unlock it by texting a code to my number on file the first couple of times but then they say that they can not do that and one woman even called me a liar that they can not ever do that. They said they left a voicemail with a reference number but I never received a call from them. Then to wait for a letter in the mail with a reference number and when I called with that reference number they said I have to wait for an additional reference number letter and when I asked why I need a second one they said XXXX have to wait for the letter thank you for calling ' and hung up. So I called back and they asked many verification questions and then said, XXXX will have to contact the account holder ' and hung up. I am the only person on the account.

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 2024-08-22 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: OH

Complaint narrative:
Experian has a credit card depicted as opened by consumer ( complainant ) back in XXXX  ( XXXX ). Consumer never opened credit line. Experian as well as XXXX have both refused to remove the information from credit reports. Further, the record depicts 2 missed payments on the credit line affiliated with the card. These credit agency '' s are trying to force a bad credit score on consumer. Consumer has identified to a XXXX XXXX police department a suspect who broke into victim 's home safe to open this credit line. They've refused to arrest him and/or take fingerprints from the safe to evidence an arrest/conviction of subject ( XXXX XXXX ). Further, a law enforcement official connected to him ( a XXXX XXXX XXXX is misusing victim 's social security number in connection to XXXX 's burglary activity. Creating falsified documents with local government agencies in victim 's name

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 2024-08-22 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: AL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-22 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: VA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: LA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. They are hurting my ability to obtain credit. These accounts I don't recognize nor authorized, and they are being reported by a third-party company.

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