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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Request to Dispute Inaccurate Information on Credit Report Dear CFPB and Experian, I hope this letter finds you well. I am writing to formally dispute certain entries on my credit report, which I recently obtained on XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any information that I believe is inaccurate or incomplete. 

The following items in my credit report are inaccurate and require immediate investigation : XXXX. Account Information - Account Name : XXXX XXXX - Account XXXX - Status : Account charged off. {$500.00} written off. 
- Date XXXX - Balance XXXX - Credit Limit : {$200.00} - Highest Balance : {$500.00} 2. Date Opened : The account shows it was opened on " XX/XX/XXXX. '' What proof do you have from the creditor that this account was open on this date. I kindly ask that you provide me with the results of your investigation and any updated documentation reflecting the changes made to my credit report. 

3. Balance and Payments : The balance is listed as {$0.00}, which is accurate if the account is charged off, but the " Recent payment '' and " Monthly payment '' sections show hyphens. If there were payments made prior to being charged off that aren't reflected, this should be noted. 

4. Balance Update Date : The balance was updated on " XX/XX/XXXX, '' but given the status of the account, This is incorrect because the dates are not aligns with your payment history. I kindly ask that you provide me with the results of your investigation and any updated documentation reflecting the changes made to my credit report.. 


- According to my records, the status of this account as " charged off '' is inaccurate. I believe this information is misleading and does not reflect my current financial situation. I request that you verify the accuracy of the information provided by the creditor. 

According to the case 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am requesting that you promptly investigate these inaccuracies. I respectfully ask that you find the entries to be inaccurate and remove them from my credit report in accordance with the law. 

Additionally, I am aware that case law supports the assertion that consumers have a right to dispute information they believe is inaccurate. For reference, the case of XXXX XXXX XXXX establishes that consumers have the right to seek removal of inaccurate information from their reports. 

Thank you for your attention to this matter, and I appreciate your prompt response to my request. 

Sincerely, 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 — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
Automatic loan payments were stopped for XX/XX/year>. However, we forgot to pay the XXXX amount manually and instead made two reinstatement payments on XX/XX/year> for {$16000.00} and XX/XX/year> {$2800.00}. for a total of XXXX. 

We received a call on XX/XX/year> from a Customer Service representative named XXXX XXXX ( XXXX ) saying the XX/XX/year> payment of {$6600.00} was due XX/XX/year> and that we owed this additional payment despite having reinstated the account on XX/XX/year>. 

By our calculations it is predatory and illegal to charge interest and fees in the amount of {$26000.00} when the actual amount of the two monthly payments would be {$13000.00} ( XXXX per month ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I got a promotion in mail to open a checking and savings account from CHASE BANK. Meet certain criteria ( I met all of it, your bank branch manager at XXXX XXXX, DE told be I met " all '' conditions ) and get the following opening bonuses- Checking - {$300.00} ( Received ) Savings - {$200.00} ( DID NOT RECEIVE ) Bonus for opening both accounts - {$400.00} ( DID NOT RECEIVE ) I have had multiple conversations with the bank, the branch manager escalated to her manager - NO RESULTS

Company response to consumer: Closed with 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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Marlette Funding, LLC
State: FL

Complaint narrative:
I applied for XXXX XXXX XXXX  using The Best Egg, prior to applying there was a notice that said Credit score would not impact decision or score a soft pull would be made. I applied, was denied due to Current delinquency is being reported to the credit file. 

There website should be updated to reflect that credit does impact decision made. I would not have applied if I knew that credit was the sole factor, Its kind of deceptive.

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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX XXXXXXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is NOT a duplicate, this is for the late payment reported as of XX/XX/XXXX. 
For the record, this account and the late payment reporting of XX/XX/XXXX is disputed. 
Note to XXXX and Equifax, this account has been disputed earlier this year several times and I am disputing the late payments reported on XX/XX/XXXX to my credit reports. 

I have disputed the account with XXXX XXXX as both XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and dealership XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX located in XXXX, CA fraudulently created a second unauthorized retail installment sale contract dated XX/XX/XXXX, and forged a signature purported to be mine that they are using to enforce the alleged auto loan, but I never consented or had knowledge of this fraudulent contract. They created this fraudulent contract for financial gain so they could securitize the contract and receivables and sell it to a Trust entity so they could sell it on the secondary market/stock exchange while never providing me any monetary consideration. 
I sent them a 12 CFR 1026.13 and 15 USC Section 1666 notice of billing error dispute for the entire account, my account was in good standing and paid through XX/XX/XXXX, but when I learned that both parties were using the fraudulent and forged unauthorized contract dated XX/XX/XXXX to enforce the alleged auto loan they never funded, I started to withhold payments as of XX/XX/XXXX provided by the law and because we are in active litigation in the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and appeal with the XXXX XXXX XXXX XXXX XXXX XXXX where all evidence and documents are filed with both courts. you can view and download all case files from pacer.gov XXXX XXXX reported false derogatory information about the account being late as of XX/XX/XXXX and XXXX, XXXX, causing irreparable harm to my constitutional rights, liberty interests, reputation and financial stability, creditworthiness and have been harassing me and I am afraid for my life. I have reported them to the police, FBI, Federal Trade Commission, DMV, and other agencies, but XXXX XXXX and XXXX do not want to abide by the law. Please help me.

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: MD

Complaint narrative:
I am writing to formally notify you that I have been a victim of a data breach, and fraudulent accounts have been opened in my name. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following accounts and bankruptcy entries from my credit report immediately, as they are not authorized by me : 1. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$6100.00} 2. XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} 3. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} 4. Bankruptcy Case Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} 5. Bankruptcy Case Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} 6. Bankruptcy Case NumbeXXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00}

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And 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 ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. 

and according to 15 USC 1681s-2 they are supposed to 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 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: NC

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Around XX/XX/year>, all of the agencies, XXXX XXXX Transunion, received a complaint from concerning discrepancies on my credit file ; there are several : 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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: EQUIFAX, INC.
State: NC

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 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: Experian Information Solutions Inc.
State: NC

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 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Unfortunately, I have noticed some inaccurate information on my consumer report. I believe this information is a result of identity and is not correct. EMPLOYERS XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove this incorrect information from my credit report Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately. 

XXXX  XXXX XXXX XXXX, XXXX XXXX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX VIA DEALERXX/XX/XXXX Per 15 USC 1681 Permissible Purposes, I want these hard inquiries removed from my consumer report. The previous inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX SOCIAL SECURITY # XXXX Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


Based on, 15 U.S. Code 1681c2 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. 

Unauthorized Inquiries : Inquiry Name : XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX Removal date XXXX XXXX Inquiry Name : XXXX XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX  Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX Removal date XXXX XXXX Inquiry Name : XXXX XXXX  Removal date XXXX XXXX Inquiry Name : XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX  Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX  Removal date XXXX XXXX Inquiry Name : XXXX XXXX  Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX  Removal date XX/XX/XXXX Inquiry Name : XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX  Removal date XX/XX/XXXX Inquiry Name : XXXX Removal date XX/XX/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