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

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-12-12 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: GA

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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

Complaint narrative:
I checked my credit report and found some inaccurate accounts that I don't know who own, so please review the documents I sent.

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

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-12-12 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:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is a Chase business checking account ending in XXXX. On XX/XX/year>, they closed my account with no explanation. I received an email stating that I need to call them regarding to help protect against fraud. I have not done anything unusual with this account other than using XXXX ( to pay rent to someone who is the actual owner of the current address ). I called them the following day. They told me that the back office reviewed my account and decided to end my relationship. I am not able to login to my account. I have a balance of {$2200.00} owed back. As a business, I had some incoming XXXX that were in small increments which might have triggered the back office. Let me swear : I DO NOT PARTICIPATE IN ANY MONEY LAUNDERING ACTIVITIES. I am a clean person. I do not do XXXX. This has to be a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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

Complaint narrative:
Please review the documents I sent, as I discovered inaccurate accounts on my credit report that I don't know who's responsible for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third bank was charging my account for ID theft monitoring for my XXXX who was also on the account. On XX/XX/year> we notified the bank of her death, which was on XX/XX/year>. They continued to charge her {$7.00} PER MONTH for this service, even though we requested to stop an external services. The account was closed in XX/XX/year> upon settling her estate. The bank would not refund the fees for this service, and after several phone calls and visits to the branch, we continue to get the runaround. 

We simply want the {$63.00} in fees paid back so we can close this matter and move forward from grieving.

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

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 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 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-12-12 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-12 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:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information on my credit report regarding late payments associated with my account ending in XXXX. The reported late payments for XXXX, XXXX, XXXX and XX/XX/XXXX are incorrect and do not accurately reflect my payment history. 
Nature of the Dispute Inaccurate Reporting : The reported late payments are erroneous. I have been enrolled in autopay for this account and have consistently made payments on time. 
Violation of Consumer Protection Laws : The inaccurate reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which mandates the accuracy of information and requires prompt correction of errors.

It may also breach the Truth in Lending Act ( TILA ) by failing to ensure accurate reporting practices. 
These inaccuracies negatively impact my creditworthiness and financial well-being, and I am requesting immediate correction to avoid further harm. 
Account Details Account Number : XXXX High Balance : {$300.00} Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Account Status : Open Payment Status : Current Disputed Late Payments The following late payments reported by Equifax are disputed as inaccurate : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have attached evidence, including payment receipts and bank statements, to demonstrate that these payments were made on time. 
Requested Resolution I respectfully request the following actions : Conduct a thorough investigation into this matter, as required by 15 U.S.C. 1681i.

Remove the inaccurate late payments for the months listed above from my credit report.

Update my account history to accurately reflect my timely payments.

Attachments A copy of my government-issued ID.

A copy of my Social Security card. 
Proof of address ( utility bill or similar ). 
A copy of the affected credit report with the errors highlighted. 
Please provide written confirmation of the investigation results and corrections made within 30 days of receiving this letter, as required by the FCRA. Should this issue remain unresolved, I may pursue additional remedies to enforce my rights under federal law.

Thank you for your prompt attention to this matter. I look forward to your response and resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information on my credit report regarding late payments associated with my account ending in XXXX. The reported late payments for XXXX, XXXX, XXXX and XX/XX/XXXX are incorrect and do not accurately reflect my payment history. 
Nature of the Dispute Inaccurate Reporting : The reported late payments are erroneous. I have been enrolled in autopay for this account and have consistently made payments on time. 
Violation of Consumer Protection Laws : The inaccurate reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which mandates the accuracy of information and requires prompt correction of errors.

It may also breach the Truth in Lending Act ( TILA ) by failing to ensure accurate reporting practices.

These inaccuracies negatively impact my creditworthiness and financial well-being, and I am requesting immediate correction to avoid further harm. 
Account Details Account Number : XXXX High Balance : {$300.00} Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Account Status : Open Payment Status : Current Disputed Late Payments The following late payments reported by Equifax are disputed as inaccurate : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have attached evidence, including payment receipts and bank statements, to demonstrate that these payments were made on time. 
Requested Resolution I respectfully request the following actions : Conduct a thorough investigation into this matter, as required by 15 U.S.C. 1681i.

Remove the inaccurate late payments for the months listed above from my credit report.

Update my account history to accurately reflect my timely payments.

Attachments A copy of my government-issued ID.

A copy of my Social Security card.

Proof of address ( utility bill or similar ).

A copy of the affected credit report with the errors highlighted.

Please provide written confirmation of the investigation results and corrections made within 30 days of receiving this letter, as required by the FCRA. Should this issue remain unresolved, I may pursue additional remedies to enforce my rights under federal law. 
Thank you for your prompt attention to this matter. I look forward to your response and resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute inaccuracies in my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my report, I found discrepancies in the account listed below : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Type : Lease Date Opened : XX/XX/XXXX Status : Charged off, {$1800.00} I assert that this account contains inaccurate and incomplete information for the following reasons : 1. The reported balance of {$1800.00} conflicts with the original balance of {$1300.00}, and the stated written-off amount of {$1400.00}. 
2. The status dates appear inconsistent, with the last payment date recorded as XX/XX/XXXX, yet the account remains charged off as of XX/XX/XXXX. 
3. No documented proof of ownership or verification of this account has been provided, nor has it been substantiated as required under FCRA guidelines. 

As outlined in 15 U.S. Code 1681i, credit reporting agencies are obligated to investigate and verify disputed items within 30 days. I request the following : 1. Provide full documentation verifying the accuracy of this account, including original account agreements, payment records, and proof of balance details. 
2. Remove this item from my credit report if it can not be verified or if discrepancies remain unresolved. 

Additionally, under 15 U.S. Code 1681s-2, data furnishers are prohibited from reporting inaccurate information. Failure to correct these issues may result in further legal action. 

Please respond to this dispute by XX/XX/XXXX. If this information can not be verified, I request its immediate removal from my credit file. 

Thank you for your prompt attention to this matter. Please send all correspondence to the address listed above

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

Complaint narrative:
I recently checked my credit and noticed that there are 8 fraudulent accounts and 10 inquiries showing on my report. I have filed a police report and filed a claim with the FTC I will attach both to this complaint. I have been a victim of identity theft I recently checked my credit report because I was preparing to purchase a vehicle and I noticed that there are 8 fraudulent accounts and 10 inquiries showing on my credit report. I will list the name of the bank that the account was opened with ; the account number # ; what date the account was opened ; and the amount $ that the account is in debt. XXXX XXXX XXXX # XXXX opened XX/XX/XXXX {$15000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX {$37000.00} XXXX XXXX XXXX XXXX XXXXXXXX opened XXXX XXXX {$300.00} ; XXXX XXXX XXXX  XXXX XXXX opened XXXX XXXX {$400.00} ; XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX {$720.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX {$86.00} ; XXXXXXXX XXXX XXXX XXXX Dept of Human Services XXXX XXXX XXXX XX/XX/XXXX {$430.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$590.00}. There are also 10 inquiries showing on my report I will list the name of the bank that the inquiry was made and the date that it occurred. XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of who opened these accounts and I did not give anybody permission to use my information

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