vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 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: EQUIFAX, INC.
State: CT

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: CT

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: TX

Complaint narrative:
I am writing to demand the immediate removal of the XXXX XXXX account ( Account No. XXXX ) from my credit report. This request is based on significant inaccuracies in the reporting of this account, which Experian has failed to correct despite previous disputes. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are legally obligated to ensure the accuracy and completeness of the information they report. If information is found to be inaccurate or can not be verified within XXXX  days of a dispute, the FCRA requires that it be removed from the credit report. 

The specific errors in the reporting of this account include : XXXX XXXX XXXX : The account does not display the current balance. 
Incomplete Monthly Payment Information : The account lacks details regarding the required monthly payment. 
I have previously brought these errors to Experian 's attention, but instead of addressing the inaccuracies, I have only received promotional emails from Experian offering various services. This is an unacceptable response to a legitimate dispute, and it further highlights the failure to fulfill your legal obligations under the FCRA. 

Given the continued presence of these errors and the lack of appropriate action from Experian, I am now requesting the complete removal of the XXXX XXXX account from my credit report. Failure to do so violates my rights under federal law and negatively impacts my creditworthiness.

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 2024-08-09 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: CA

Complaint narrative:
This is my last notice before I move to litigation. You are reporting fraudulent accounts on my credit. Never had these accounts. I have already reported these fraudulent accounts.

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 2024-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I opened checking and saving acounts with Chase Bank as part of a promotion offered by the bank, in which I receive a reward if I fulfill certain conditions. I fulfilled the conditions of the promotion, but after receiving the reward, I discovered that federal interest withheld had been withheld from me. I am a US citizen and am not subject to any withholdings. The bank had no grounds for this write-off. I contacted the bank employee who opened the accounts for me to resolve this issue. She said that the box indicating that I was a subject to federal withholding was checked by mistake. I drove to the bank branch, where the employee and I made necessary changes and she assured me that the amount that was mistakenly withheld would be returned to me and that these payments would not be withheld from me in the future. 
However, on XX/XX/XXXX, the money was withheld again. I again contacted the employee, who promised to resolve the situation, but I was unable to get any clear answer. In this appeal I ask you to oblige the bank to look into this situation and correct the error made, namely to indicate in my case that I am not a subject for federal withheld and return the erroneously withheld amounts to my account : XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ Total : XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX XXXXXXXX Account NumberXXXXXXXX XXXX Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. '' XXXXXXXX XXXX XXXX  Account Number:XXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove this late remarks. 

XXXXXXXX XXXX XXXX  Account NumberXXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove this late remarks. 

XXXXXXXX XXXX XXXX  Account NumberXXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove this late remarks.

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX XXXXXXXX Account Number:XXXX XXXX Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. '' XXXXXXXX XXXX XXXX  Account NumberXXXX  Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove this late remarks. 

XXXXXXXX XXXX XXXX  Account Number:XXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove this late remarks. 

XXXXXXXX XXXX XXXX Account NumberXXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove this late remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXXXXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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
Consumer complaint received 2024-08-09 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 XXXXXXXX and all payments were placed on XXXX. 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 explanation
Consumer complaint received 2024-08-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-08-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation
State: ND

Complaint narrative:
I took out two loans from a Regional Finance on XXXX XXXX in XXXX Alabama. I was close to paying off the first loan, but was having legal troubles and had to have more money, so they approved me for another loan. According to HJR 192, I could have discharged the debt if I had a bill of exchange or payment coupon to endorse with my beneficiary signature and UCC codes, such as : UCC 1-308, 3-603, 3-104, 3-306, 3-311. They kept sending ledgers of the total amount of approximately {$7000.00}. But I couldn't find all of the information on the ledger necessary that would have made it a payment coupon. HJR 192 states that there can be no payment for debts because the gold standard was suspended. Debts can only be discharged into a perpetual cycle. The U.S. can not pay their debts thus other debts can not be paid either from the people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-09 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported on my credit report regarding my account with XXXX XXXX XXXX XXXX Specifically, I am challenging the claim that my credit card payment due in XX/XX/XXXX was late. According to your records, the alleged amount in question is a minimum payment of {$930.00}. 

Background and Request for Proof I request that you provide me with detailed internal records and documentation to substantiate your claim that my payment was indeed late. Please note that mere statements or summary reports are not sufficient evidence. I am specifically requesting : Internal Payment Records : Documentation showing the date when the payment was due, the date when it was received, and any relevant transaction details. 
Account Statements : Comprehensive statements for XX/XX/XXXX and the preceding and following months to demonstrate the payment history. 
Communication Records : Any correspondence or notices sent to me regarding the alleged late payment. 
Legal Reference In accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), which underscores the necessity for concrete evidence in disputes of this nature, I expect a thorough response to this request. 

Potential Financial Impact Please be aware that if this dispute is not resolved satisfactorily and if the false information remains on my credit report, I will consider initiating arbitration. The potential costs to XXXX XXXX XXXX could include : Arbitration Fees : Approximately XXXX XXXX {$5000.00}, depending on the complexity of the case. 
Legal Fees : Estimated between XXXX XXXXXXXX {$10000.00} for legal representation and related expenses. 
Potential Settlements or Judgments : Any resulting settlement or judgment could include damages for defamation and statutory penalties, potentially amounting to an additional XXXX XXXXXXXX {$20000.00}. 
Reputation Costs : Negative publicity and damage to your company 's reputation could lead to loss of business and customer trust. 
In total, the financial impact could exceed {$30000.00} if the matter is taken to arbitration and results in a settlement or judgment against your organization. 

Conclusion I request that you provide the requested proof within 30 days of this notice. If you are unable to provide sufficient documentation, please update my credit report to reflect accurate information and remove any erroneous late payment entries.

Company response to consumer: Closed with non-monetary relief