vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 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:
The lease was opened XX/XX/XXXX with XXXX XXXX XXXX. The loan amount is {$60000.00}. I contacted XXXX in XXXX to inform the company THAT THIS IS A FRAUD ACCOUNT. I submitted a dispute with All 3 major credit bureaus and XXXX. The item was deemed as fraud and removed FROM ALL THREE CREDIT BUEAURS. Then 2 years later EXPERIAN ADDED BACK TO MY CREDIT REPORT. I disputed again and it was removed but 2 months later the XXXX account was added back to my credit report. IVE CONTACTED XXXX Numerous times about this account and its still on my credit report and is destroying my credit. THIS IS FRAUD AND SHOULD BE REMOVED FROM MY EXPERIAN CREDIT REPORT I PROVIDED ALL THE REQUIRED DOCUMENTS TO EXPERIAN. Police reports, fraud applications, my drivers license, proof of residence etc. please remove the XXXX 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 explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian multiple dates over past year. My complaint is that their phone number for consumer help does not have an option to talk to a human being XXXX XXXX XXXX or XXXX XXXX XXXX or 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 2024-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have good relationship with XXXX which always alerted me of every activity. XXXX, I noticed a fake and/or perpetrated credit inquiry made by Capital One which is broad daylight fake stuff. I tried to fax the copy to the CFPB. Fax was so busy every time. My fear is the already premeditated criminal influence of the same perpetrator [ kind of unauthorized mediator and/or defence attorney ] who would have no trouble getting me taken down by the country., the people and their constitution by unidentified mechanism. Profiling? Check the attached documnent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been well over 30 days and you are in XXXX of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY. These accounts should not be furnished on my consumer report as they are in XXXX. Under, XXXX XXXX Code XXXX Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY. These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: MI

Complaint narrative:
The information provided for these accounts is incomplete and inaccurate, violating my rights under the FCRA. According to the FCRA, consumer reporting agencies, like XXXX, XXXX, and Equifax, are required to maintain accurate and complete information in consumer reports.I demand that XXXX, XXXX, and Equifax takes immediate action to remove these accounts from my credit report. Additionally, I request a thorough investigation into these discrepancies to ensure the accuracy and completeness of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX  {$440.00}, XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$630.00}. XXXX : XXXX XXXX {$440.00}, XXXXXXXX XXXX XXXX XXXX  {$630.00}. Equifax : XXXX XX/XX/XXXX {$630.00}, XXXX XXXX XXXXXX/XX/XXXX {$440.00}, XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$630.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: MI

Complaint narrative:
The information provided for these accounts is incomplete and inaccurate, violating my rights under the FCRA. According to the FCRA, consumer reporting agencies, like XXXX, Experian, and XXXX, are required to maintain accurate and complete information in consumer reports.I demand that XXXX, Experian, and XXXX takes immediate action to remove these accounts from my credit report. Additionally, I request a thorough investigation into these discrepancies to ensure the accuracy and completeness of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$440.00}, XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$630.00}. Experian : XXXX XXXX {$440.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX {$630.00}. XXXX : XXXX XX/XX/XXXX {$630.00}, XXXX XXXX XXXXXX/XX/XXXX {$440.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$630.00}.

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 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear XXXX XXXXXXXX XXXX XXXX, I am writing to address the recent dispute regarding the late payment status on my XXXX XXXX Credit Card account. The reported XXXX late payment inaccurately reflects my payment history and has negative implications on my consumer file, which is concerning and violates fair reporting practices. 

I understand that unforeseen circumstances, including the loss of both my credit card and mobile phone at the XXXX XXXX, contributed to challenges in accessing my XXXX XXXX account and making timely payments. Despite these difficulties, I promptly communicated with XXXX XXXX and was still locked out. 

To resolve this issue and restore accuracy to my consumer file, I request the following actions : Correction of Credit Report : I urge XXXX XXXXXXXX to correct the misreported XXXX late payment status on my credit report to accurately reflect my payment history during the period in question. 

Waiver of Late Fees : Given the circumstances described, I request the waiver of any late fees associated with the reported late payment. 

Enhanced Security Measures : I encourage XXXX XXXX to enhance security protocols and customer support procedures to assist customers experiencing similar challenges. This includes improving account recovery processes and implementing robust security features to prevent unauthorized access. 

Notification of Resolution : Please provide written confirmation once the corrections to my credit report and any fee waivers have been processed. 

It is crucial to rectify these inaccuracies promptly to ensure fair and accurate reporting. I appreciate your attention to this matter and trust that XXXX XXXX will take the necessary steps to resolve this issue expediently. 

Please contact me at your earliest convenience to discuss further or if you require any additional information to facilitate the resolution process. 

Thank you for your prompt action in addressing 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 2024-06-18 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: GA

Complaint narrative:
I hope this letter finds you well. I am writing to dispute a credit inquiry conducted on XX/XX/year>, related to an automotive transaction at your dealership. 

During my recent visit to XXXX XXXX XXXX XXXX I did not authorize a credit inquiry beyond the terms of my prequalification offer. However, an inquiry was conducted without my explicit consent. 

To address this issue, I kindly request the following actions : Verification of Authorization : Please provide documentation demonstrating my authorization for the credit inquiry conducted on my behalf.

Removal of Unauthorized Inquiry : If it is determined that the inquiry was unauthorized, I request the immediate removal of this inquiry from my credit report. 

Preventative Measures : Implement measures to ensure that all credit inquiries are conducted only with explicit customer consent in the future. 

I appreciate your prompt attention to this matter and request a resolution at your earliest convenience. Please contact me at the above-mentioned phone number or email address if you require any further information. 

Thank you for your cooperation in resolving this dispute. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I have been locked out of my own account, both my checking and savings accounts. I updated my address recently because I moved and I tried to ask for a replacement debit card because my debit card got damaged because of the dog of the new place we moved into.

I have called them multiple times and they have not been helpful. They kept saying I would get a call back but I have never received it. Today, I got an email saying they restricted my Checking and Savings account " because we detected suspicious activity on XX/XX/year> ''. 

I also tried using XXXX but it wasn't working anymore. When XXXX failed this was when the Online Banking got disabled. This has been a week or a few weeks ago. 

I have 2 important checks to XXXX to be cashed and this might be what triggered it. I tried to explain and tell them this but they aren't helping me. Just now I have called their fraud prevention line and they outright disconnected me from the call because they said they couldn't verify my identity. I have been trying to get this resolved for weeks.

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 2024-06-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX : Chase informed me, before signing mortgage documents, that I could re-cast my loan as often as I wanted. When I applied to re-cast, they denied it. 

Chase egregiously misinformed me ( whether through willful negligence or reckless negligence ) that some third party investor had a policy change which prevented them from re-casting my loan. 15 months later Chase finally confessed that they are the investor, not a third party, and it was their own policy that they changed and are now enforcing regardless of our agreement. 

DETAILS : Around XX/XX/XXXX, I was in the process of buying a new home and selling my old one. However, I would not sell the old house in enough time to apply the money toward the new home 's loan. I spoke with XXXX XXXX from Chase regarding their mortgage loan benefits. From XX/XX/XXXX through XX/XX/XXXX, XXXX XXXX, on behalf of Chase, informed me that Chase would allow me to re-amortize ( re-cast ) my loan if I signed my mortgage loan with Chase. The mortgage loan was signed in XX/XX/XXXX with the understanding that I could later apply the lump sum gained from selling the previous house and then re-cast the new loan with Chase. When I applied for the loan in XX/XX/XXXX I was denied. Chase stated there was a policy change. They have never told me which policy they're referring to, even after a direct request by me. At first, Chase claimed the mortgage contract itself prevented my re-cast. I read the contract thoroughly and there is no such language. I pointed this out to Chase, who then attempted to blame the VA on the change of policy. I contacted the VA and confirmed they had no handling or policy implementation. Chase continued to blame the VA, so I requested a written letter from the VA as evidence to Chase. Chase ( for the third time ) altered their claim that it was the investor, XXXX, who had the policy change. On XXXX XX/XX/XXXX, I was notified by Chase that they were previously incorrect and that Chase, themselves, were, in fact, the investor. Chase changed their own policy after I signed the documents and will not allow me to re-cast my loan. 
To this day, Chase still will not show me what policy they're implementing. They did not tell me of the policy change. Chase and I had an agreement and now Chase is no longer following that agreement. Chase has every opportunity to provide a path to allow my loan to be re-cast, which they agreed they would, and they are not choosing to uphold their end of the agreement. 

I would like my loan re-cast options restored. And I would like the money lost from this ( around {$15000.00} ) to be applied directly to the principal of my loan. 

Please feel free to contact me with any questions or concerns. 
XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: IL

Complaint narrative:
I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE FRAUDULENT UNAUTHORIZED OF REPORTING INFORMATION ON MY CONSUMER REPORT.. 
THIS COLLECTION ACCOUNT - XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: IL

Complaint narrative:
I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE FRAUDULENT UNAUTHORIZED OF REPORTING INFORMATION ON MY CONSUMER REPORT.. 
THIS COLLECTION ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: FL

Complaint narrative:
I have provided all XXXX pieces of information and expect these listed accounts to be deleted and blocked within XXXX business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within XXXX business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: CA

Complaint narrative:
Account # XXXX & Account # XXXX This complaint is a REBUTTAL to a response from XXXX XXXX MANAGEMENT dated XX/XX/year> regarding a dispute on the above accounts & also previous disputes regarding these accounts. 

You've responded to my previous DISPUTE with a statement stating that you have reported accurate information. First of all, I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction or transactions on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for.

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX XXXX XXXX  are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - XXXX XXXX XXXX is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE

Company response to consumer: Closed with explanation