vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt because I have never done business with your company. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 



Please attach the following documents : Agreement that you have authority to collect this alleged debt Assignment contract that bears signature of the alleged debtor with promises to pay the original creditor Complete payment history on this account, to prove that the amount you wish to collect is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: PA

Complaint narrative:
In XX/XX/2024, I discovered multiple accounts and inquiries on my TransUnion credit report that were not authorized by me. These accounts were opened without my knowledge or consent and are the result of identity theft. I immediately took action by filing an identity theft report with the appropriate authorities. I also contacted TransUnion to dispute these fraudulent items and requested their removal, but as of today, they remain on my report. 

The fraudulent accounts, which total over {$130000.00}, include balances from financial institutions and credit card companies, none of which I opened or authorized. Additionally, there are unauthorized credit inquiries that were initiated without my approval. 

Despite notifying TransUnion of this situation, no action has been taken to investigate or remove these items, in violation of the Fair Credit Reporting Act ( FCRA ). I am seeking immediate removal of all fraudulent accounts and inquiries from my report, as required by 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 non-monetary relief
Consumer complaint received 2024-09-18 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to work with the credit bureau to find my credit file. They dont have any answers for me. I sent my information via the XXXX XXXX XXXX. Im trying to get a loan but Equifax cant find my report in their system. Speaking with their representative I dont feel comfortable with them very unprofessional. I am XXXX XXXX XXXX with XXXX credit cards opened last year : with XXXX mortgage report. Last year Equifax sent me a copy of my credit report : Now they said they dont have a history. XXXX XXXX is reporting a credit report on me, but now I cant get a loan because Equifax his loss my history and they hang up and say they cant help me. Something is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of the reporting of my account with JPMorgan Chase Bank, as it appears on my credit report as of XXXX XXXX XXXX. The account in question is being reported as both charged off, written off, and past due, which is inconsistent and misleading. It is not possible for an account to hold three different statuses simultaneously, and this discrepancy raises significant concerns about the accuracy of your reporting. 

Furthermore, the recent balance listed as {$2600.00} is particularly troubling. Charged off accounts should not reflect an outstanding balance, as the debt has been canceled and classified as a credit for the consumer. As it is a credit for the consumer ( me ), this further supports the assertion that it should not be reported as a past due account. 
The erroneous reporting of this account has had a detrimental impact on my credit score and overall credit health. Under the FCRA, financial institutions are obligated to report accurate information, and failure to do so can harm consumers significantly. In my case, this inaccurate reporting has already caused me substantial distress and financial setbacks. 

I request that you correct the inaccuracies on my credit report by not reporting it to the consumer reporting agencies as soon as possible. Please confirm in writing that these corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: IL

Complaint narrative:
I know I pay on time, so Im unsure why this company is showing late payments for specific months. USC 1666b states that billing errors should be fixed and updated to " paid as agreed. ''

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 2024-09-18 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:
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc.
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX : XX/XX/year> NSS : XXXX SECURITY FREEZE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I FILED A DISPUTE WITH CAPITAL ONE 360 BANKS REGARDING A CHARGE FROM XXXX XXXX  FOR {$120.00} I REACHED OUT TO THE COMPANY THAT CHARGE ME THIS AMOUNT AND THEY INFORMED ME THEY CAN'T REFUND ME I REACHED OUT TO MY BANK TO DISPUTE THE CHARGE AND THEY DENIED MY CLAIM

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX : XXXX Consumer XXXX : XX/XX/XXXX I am filing this complaint because I am a victim of identity theft. Unauthorized accounts and transactions have been opened in my name without my knowledge or consent. These fraudulent activities have resulted in the following inaccurate items being reported on my credit report : The fraudulent activity includes the following items : An Account Opened at XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX # XXXX. 

Nature of Complaint The presence of these items on my credit report is in direct violation of my rights under multiple federal laws. Specifically : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 : As a victim of identity theft, I have the right to have these fraudulent items blocked from my credit report within four business days of notifying the consumer reporting agencies. These agencies have not complied with this requirement.

FCRA 15 U.S.C. 1681e ( b ) : Consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. The continued presence of these fraudulent accounts demonstrates a failure to verify the accuracy of my credit report. 

XXXX XXXX ( 15 U.S.C. 6802 and 16 C.F.R. 313.7 ) : I am exercising my right to opt out of the sharing of my personal information. Despite this, these accounts continue to be reported without my verifiable consent.

Privacy Act of 1974 : The mishandling of my personal information, leading to the erroneous reporting of these accounts, infringes upon my right to privacy and the protection of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX : XXXX Consumer XXXX : XX/XX/XXXX I am filing this complaint because I am a victim of identity theft. Unauthorized accounts and transactions have been opened in my name without my knowledge or consent. These fraudulent activities have resulted in the following inaccurate items being reported on my credit report : The fraudulent activity includes the following items : An Account Opened at XXXX bank # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX # XXXX. 

Nature of Complaint The presence of these items on my credit report is in direct violation of my rights under multiple federal laws. Specifically : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 : As a victim of identity theft, I have the right to have these fraudulent items blocked from my credit report within four business days of notifying the consumer reporting agencies. These agencies have not complied with this requirement.

FCRA 15 U.S.C. 1681e ( b ) : Consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. The continued presence of these fraudulent accounts demonstrates a failure to verify the accuracy of my credit report. 

XXXX XXXX ( 15 U.S.C. 6802 and 16 C.F.R. 313.7 ) : I am exercising my right to opt out of the sharing of my personal information. Despite this, these accounts continue to be reported without my verifiable consent.

Privacy Act of 1974 : The mishandling of my personal information, leading to the erroneous reporting of these accounts, infringes upon my right to privacy and the protection of my personal data.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Urgent CFPB Complaint Filed RE : INCOMPLETE, INACCURATE, UNVERIFIABLE PUBLIC RECORD! -DELETE! 

Dear LexisNexis, I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed and I know that they did not provide you with this information as they explicitly stated that they don't report information to anyone. But I guess you use XXXX to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. They were both DISMISSED and never DISCHARGED! My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these bankruptcies from your system. It is not fair that you can simply snoop around and report only half-truths and cause so much distress. 

Bankruptcy - XXXX XXXX " The bankruptcy information in my credit file is a result of unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s- 2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: MO

Complaint narrative:
My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-09-18 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: Experian Information Solutions Inc.
State: FL

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, XXXX XXXX XXXX. 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 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
Huntington closed my account for no reason which causes them to keep denying a dispute i had filed dispute number is XXXX Amount is XXXX $ XX/XX/year> The merchant agreed to the refund but huntigton wont even investagete the chargeback have numerous emails with the merchant XXXX trying to process refund

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: PA

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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 respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: SC

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-09-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NY

Complaint narrative:
I bought a Netspend debit card at a XXXX on XX/XX/year> for my son so that he would have spending money on a field trip. I believe the purchase price was {$40.00}. He used it for purchases of about {$15.00}. We didn't use the card over the spring or summer and when I checked the balance online yesterday I saw that I had a balance of only {$6.00}. Apparently Netspend charges a monthly non-usage fee of roughly {$6.00}. So yesterday ( XX/XX/year> ) I submitted online a request to close the account and send me the balance. Then I received an email from Netspend saying there's a problem and that I should call them. So I call this morning ( XX/XX/year> ) and they advise that the account has been closed and there's now a XXXX balance. So I guess they charged a fee to close the account or charged another inactivity fee. Also, I can't log into my account anymore and see or print out any activity. This would seem to violate reporting and record keeping rules. Also, where was the inactivity fee disclosed on the card or container at XXXX at purchase? All in all, I purchased a {$40.00} card and {$25.00} went to Netspend in the form of fees. These people are thieves.

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