vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: MO

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX  Dear Experian Dispute Department , I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX XXXX  ( Account Number : XXXX ) that violate my rights under federal law.

Specific Errors Identified : Incorrect Reporting of Late Payments After Charge-Off ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The account was charged off in XX/XX/year>, meaning no further payments were due after that date. 
However, the credit report incorrectly reflects XXXX, XXXX, XXXX, XXXX, and XXXX late payments leading up to the charge-off, even though payments were recorded as made in earlier months. 
If the account was already charged off, it is factually inaccurate to report continuing missed payments. This misrepresentation violates 12 CFR 1002.4 ( a ), which prohibits misrepresenting the status of an account.

Failure to Accurately Reflect Account Payments ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The balance history indicates that payments were scheduled, yet the account was still marked as increasingly delinquent.

Payments of {$36.00}, {$26.00}, {$51.00}, and more were noted in the balance history, yet late payment markers were still applied.

This contradiction suggests improper credit reporting, violating 12 CFR 1002.6 ( b ) ( 6 ), which requires accurate and complete reporting of credit obligations.

Failure to Update Account Status Correctly ( 12 CFR 1002.10 Furnishing of Credit Information ) The account is reported as charged off, yet the balance remains at {$120.00}, implying either continued accumulation of fees after charge-off or improper balance reporting. 
Credit reporting laws require that charge-offs be reported with a finalized balance, not one that continues to accrue inaccurately.

This failure to maintain accurate records violates 12 CFR 1002.10, which mandates that creditors ensure credit information is correctly furnished and updated.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information states that credit information must be accurate and updated. The erroneous reporting of new delinquencies and incorrect balance updates violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly disclosed. This reporting error constitutes an adverse action that has not been properly communicated.

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 2025-02-08 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: MO

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX  Dear XXXX XXXX XXXX , I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX XXXX ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Incorrect Reporting of Late Payments After Charge-Off ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The account was charged off in XX/XX/year>, meaning no further payments were due after that date. 
However, the credit report incorrectly reflects XXXX, XXXX, XXXX, XXXX, and XXXX late payments leading up to the charge-off, even though payments were recorded as made in earlier months. 
If the account was already charged off, it is factually inaccurate to report continuing missed payments. This misrepresentation violates 12 CFR 1002.4 ( a ), which prohibits misrepresenting the status of an account.

Failure to Accurately Reflect Account Payments ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The balance history indicates that payments were scheduled, yet the account was still marked as increasingly delinquent. 
Payments of {$36.00}, {$26.00}, {$51.00}, and more were noted in the balance history, yet late payment markers were still applied. 
This contradiction suggests improper credit reporting, violating 12 CFR 1002.6 ( b ) ( 6 ), which requires accurate and complete reporting of credit obligations.

Failure to Update Account Status Correctly ( 12 CFR 1002.10 Furnishing of Credit Information ) The account is reported as charged off, yet the balance remains at {$120.00}, implying either continued accumulation of fees after charge-off or improper balance reporting. 
Credit reporting laws require that charge-offs be reported with a finalized balance, not one that continues to accrue inaccurately.

This failure to maintain accurate records violates 12 CFR 1002.10, which mandates that creditors ensure credit information is correctly furnished and updated.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information states that credit information must be accurate and updated. The erroneous reporting of new delinquencies and incorrect balance updates violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly disclosed. This reporting error constitutes an adverse action that has not been properly communicated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts : XXXX XXXX XXXX # XXXX, XXXX/XXXX XXXX # XXXX, XXXX  # XXXX, XXXX/XXXX  : # XXXX has violated my rights according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to

15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general lf, 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 ( i ) 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 ; according to 15 USC 1681s-2 they are not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate or unverifiable.15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-08 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ) by neglecting to conduct a reasonable reinvestigation of disputed information on my credit report. As a result, inaccurate and unverified accounts remain unresolved, violating my rights as a consumer. 

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, citing systemic issues such as : Failing to forward consumer-provided evidence to furnishers, Accepting unreliable responses from data furnishers, and Failing to adequately notify consumers of dispute outcomes. 
These failures align with my experience. Despite my formal disputes, Experian has neither corrected nor removed the inaccurate accounts, specifically : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX continued inaction constitutes a direct violation of federal law, including but not limited to : 15 U.S.C. 1681i ( a ) Obligation to conduct a reasonable reinvestigation, 15 U.S.C. 1681e ( b ) Duty to maintain accurate consumer reports, and 15 U.S.C. 1681n & 1681o Liability for willful or negligent noncompliance.

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 2025-02-08 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: Credit Systems International, Inc.
State: FL

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NJ

Complaint narrative:
This morning, I found incorrect accounts on my credit report, and I have no clue how they got there. I check my report regularly, but today, I noticed discrepancies that had never appeared before. I even tried refreshing my browser, thinking it might be a temporary glitch, but the inaccurate accounts remained. Because of this, I am requesting a thorough review of the documents I submitted to ensure that I wont have to deal with this issue again.

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 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited a check on the date of XX/XX/year> through an atm from the branch Chase bank an amount of XXXX. Then later I deposited with my phone through the app with an amount of XXXX. The day that this was supposed to be available they closed my account and terminated relationship with me right away with no opportunity to do something about it. When I called they told me I need to provide a phone number to release my checks which I provided plus is the phone number printed on the checks. The company doesnt have any other phone number than the phone numbers of the differents branch they have around the US . I provided the company phone number as required and they havent been able to release my checks which I dont have any other way to get them. They said they would give it to the state in a certain time and I wont be able to have this money in XXXX  years or never. Ive tried to provide proof of work, year tax reports, any other tool to proof I work in this place. 
I also got a direct deposit that is been hold from my other job. This is an amount of XXXX the company name is XXXX. They are holding on this one as well. Making a total of XXXX hold on my account. Plus any other amount of money which I dont remember well how much I had before I got the direct the deposit and the checks I deposited. 
Theyve told me to recall the checks but this havent been possible either because my account is closed. Ive been running in a circle where I have no choices more then loose money. I would like to get helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: MD

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history.

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible. 

Please confirm receipt of this request and provide an update on the status of the deletions at your earliest convenience.

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 2025-02-08 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 this morning, only to find inaccurate accounts listed for reasons unknown to me. This was unexpected, as I frequently monitor my report and have never encountered such discrepancies before. Hoping it was just a glitch, I refreshed my browser, but the errors did not disappear. Because of this, I ask that my submitted documents be reviewed carefully so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-02-08 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: NV

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX  XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$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 2025-02-08 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: PA

Complaint narrative:
I'm a victim of a sham investigation from experian. They have not done a real investigation, but rather only relied upon the response from the creditor and basting. Their investigation solely on a fault. E oscar system that is not accurate please delete all items that's listed in my documents immediately. 

Please see documents in attachments this dispute was not made in error.

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 2025-02-08 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:
My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX 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 in 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. LEND BUZZ 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 2025-02-08 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:
Subject : Urgent Request for Removal of Fraudulent Hard Inquiries Due to Identity Theft Dear Credit Bureau/Transunion , I am a victim of identity theft. I recently reviewed my credit report and found four hard inquiries that are 100 % fraudulent/identity theft and not authorized by me. 

Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not made by me, and I am requesting that they be 100 % removed from my credit report immediately. This is a clear case of identity theft, and I need this issue addressed expeditiously. 

Please confirm once these inquiries have been removed. Thank you for your time and prompt attention to this matter. 


Sincerely, 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 2025-02-08 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: PA

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. As part of my routine, I checked my credit report, but this time, I found unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the errors remained. Given this situation, I kindly request a thorough review of the documents I have submitted so that I no longer have to deal with this concern.

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 2025-02-08 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: PA

Complaint narrative:
I just reviewed my credit report and was dismayed to find an unauthorized inquiry that should not be there. I check my report routinely, and this unexpected issue has left me completely frustrated. I even refreshed my browser, hoping it would disappear, but it did not. This needs to be addressed immediately. Please verify the documents Ive provided so that I wont have to worry about this any longer.

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