vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-11-29 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:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following accounts and inquiries on my credit report were not authorized by me : Fraudulent 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

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 2024-11-29 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The JPMCB card is disputed. 

I reported this JPMCB card account as not mine and it was opened through identity theft and sent a letter to Chase and Chase wrote me back with two letters stating I am NOT responsible for it but they never removed it from my credit reports. 

I reported this account as fraudulent with XXXX, XXXX, XXXX and XXXX XXXX more than 5 times each since XX/XX/2024 and only XXXX XXXX removed it from my credit report, but the others credit reporting companies have willfully, maliciously and negligently failed to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It is my personal statement that the inquiry that I have listed is a result of identity theft and needs to be deleted pursuant to 15 USC 1681c-2. Also, pursuant to 15 USC 1681e ( b ) please update my personal information.

See Attached Identity Theft Report.

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 2024-11-29 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 requested that the reporting company - XXXXXXXX XXXX XXXX delete their posts of accounts that I don't have with them. 

The company has been unresponsive to this request and so I have sent written request that the company provide validation of the accounts they are reporting to the consumer credit agencies. 

I've written to mcm requesting they remove these accounts that they continue to report to the consumer agencies. 

I did not give permission to this company to access my personal information for their gain or mine. I have not opened accounts with XXXX or provided them with the information that would allow them to open accounts on my behalf. 

I have also let the consumer reporting agencies know that they have accepted inaccurate information and their refusal to remove these accounts puts them in violation of the Fair Credit Reporting Act along side mcm. 

I request that you investigate these mcm entries immediately and remove them from my credit report, as it is both inaccurate and unauthorized. 

Please remove the entries as requested and provide me with written confirmation when this request has been completed. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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 am writing to dispute a hard inquiry on my credit report. I believe this inquiry 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 non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My personal information is inaccurate on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: NJ

Complaint narrative:
Dear Experian, I am writing to formally request the removal of an account from my credit report as reported by Experian. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$2700.00} from XXXX XXXX XXXX XXXX ( Account # : XXXX ) and {$780.00} from XXXX XXXX ( Account # : XXXX ), listed on my XXXX report, and following a thorough investigation, XXXX has XXXX removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request.

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have contacted Equifax, XXXX, and XXXX regarding the inaccurate addresses, phone numbers, employment and a multitude of other inaccurate information. I have reached out and explained to each of the bureaus about identity theft and fraud that occurred during the pandemic & after. I have faced challenges disputing unauthorized credit cards and car loans opened in my name. Despite me providing proof of their actual address and documentation, the issue persists, and I have promptly reported the fraud and misuse of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to bring your attention to an issue with the accuracy of my consumer report, which violates the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure maximum possible accuracy of the information they report. 

I have noticed that the account reported by XXXX XXXX is erroneously marked as a " Charge Off. '' Please be advised that under the FCRA, a " Charge Off '' can only occur once. The repeated or inconsistent reporting of this status is inaccurate and misleading.

I request that you : Conduct an immediate investigation into this matter.

Verify the accuracy of the " Charge Off '' information with XXXX XXXX. 
Correct or delete the inaccurate information from all of my consumer reports if XXXX XXXX can not substantiate the accuracy of their reporting. 
I expect this issue to be resolved promptly, and I request written confirmation of the investigation and any corrections made to my report. Please note that under the FCRA, I am entitled to a response to my dispute within 30 days. 

Thank you for your prompt attention to this matter. If you need further details or documentation from me to assist with your investigation, please do not hesitate to contact me. 

Sincerely, XXXXXXXX XXXX XXXXXXXX

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), for their improper handling of a fraudulent account that is the result of identity theft. This account is linked to an apartment lease in Virginia, a state where I have never resided. I am a resident of New York, and this debt does not belong to me. 

I have taken the necessary steps to notify XXXX that this account is fraudulent. I provided them with an FTC Identity Theft Report and affidavit to support my claim. Despite this, XXXX has refused to cease collection activities and is demanding irrelevant additional documentation, such as a lease agreement for my current address. This is not feasible as I live with my grandparents in New York and do not have a formal lease. 

Violations of the FDCPA FCOs actions violate several provisions of the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 1.

15 U.S.C. 1692d : Harassment through continued collection attempts after receiving evidence of fraud.

2.

15 U.S.C. 1692e ( 8 ) : Failing to acknowledge and communicate that the debt is disputed.

3.

15 U.S.C. 1692f : Using unfair practices by imposing unreasonable demands that go beyond what is necessary to resolve the issue. 

Their refusal to accept legally sufficient evidence of identity theft, such as the FTC report, and their continued collection efforts demonstrate a lack of good faith.

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 2024-11-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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

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 2024-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
I did a XXXX  forbearance for XXXX XXXX XXXX and XXXX XXXXy payment started in XXXX XXXX and XXXX notarized, and signeverything was good. Business went Downhill. Haven't had many calls been trying to work with. The company gave them {$1100.00} in my escrow I can't call the phone I can't get ahold of anybody, it's ridiculous. My ex-husband has a business address at my home and is refusing to make payments.And it's been a year and XXXX months

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: AZ

Complaint narrative:
On XX/XX/XXXX it appears that XXXX XXXX XXXX sent me an email stating that they would threaten me with arbitration if I did not pay them which is a violation of the credit Act laws. I also have no contract with XXXX XXXX  and am not liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-29 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: LEXISNEXIS
State: CO

Complaint narrative:
There is an inaccurate property record in the property deed records section of my LexisNexis consumer report. It shows a property belonging to me after the date I had sold it. On XX/XX/year> I filed a dispute with LexisNexis describing the issue. On XX/XX/year> I submitted records from the county in which the property is located ( XXXX XXXX, CO ) supporting my dispute. On XX/XX/year> LexisNexis wrote a response letter to my dispute claiming the data in my report was accurate. As proof of this they wrote that they conducted research with " OHIO DEPARTMENT OF PUBLIC SAFETY XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX '', which not only is an organization that has nothing to do with my property records, but is not in the same county, or even the same state as the property in the dispute. 

There was an insurance claim someone made for this property that occurred after I had sold it, which is also on my LexisNexis report. I am not sure if this is fraudulent or just incorrect information. I originally opened a dispute for this on XX/XX/year>. LexisNexis closed the dispute. I reopened the dispute and sent documents proving that I had no insurable interest in the property at the time of the insurance claim on XX/XX/year>. LexisNexis wrote a letter on XX/XX/year> claiming the data in my consumer report was accurate, citing their research with XXXX XXXX XXXX XXXX, TX, presumably the company that paid the insurance claim- which is a company I don't have an account with, and have never received any money from.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: CA

Complaint narrative:
The XXXX card is disputed. 

I reported this XXXX  card account as not mine and it was opened through identity theft and sent a letter to XXXX and XXXX wrote me back with two letters stating I am NOT responsible for it but they never removed it from my credit reports. 

I reported this account as fraudulent with XXXX, Equifax, XXXX and XXXX XXXX more than 5 times each since XX/XX/year> and only XXXX XXXX removed it from my credit report, but the others credit reporting companies have willfully, maliciously and negligently failed to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: PA

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry appearing on my credit report. Upon reviewing my credit file, I discovered that this credit conducted a hard inquiry without my authorization. At no point did I provide consent for this entity to access my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry appearing on my credit report. Upon reviewing my credit file, I discovered that this credit conducted a hard inquiry without my authorization. At no point did I provide consent for this entity to access my credit profile.

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have attempted to contact XXXX and TransUnion to remove the extended fraud alert on my profile. I have active membership profiles and both websites advertise the ability to remove my fraud alert when I want to. I am inputting the same information in front of my current credit report in front of me. The website, app and phone system is consistently throwing error messages and my requests by mail go unanswered. It is impossible to reach someone by phone and this is hindering my ability to obtain credit in several instances.

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ava Finance, Inc
State: TX

Complaint narrative:
Ava Financial.

I joined the company to improve my credit. My identity was stolen and my checking account was emptied and closed. I didnt have an account I could connect there continued to be an error with my credit union. 

I contacted them immediately and got no answer then XXXX months later as I joined a new back that plaid would connect with and rejoined but they are reporting XXXX months late and I am not late at all. 

This is an error and needs to be corrected as it is dramatically affecting my credit profile.

Company response to consumer: Closed with explanation