vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: NY

Complaint narrative:
This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I demand the following accounts be verified or removed Immediately. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: NY

Complaint narrative:
This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I demand the following accounts be verified or removed Immediately. 

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 2024-12-29 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: CA

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

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 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
XXXX a letter you can use to request information from XXXX XXXX XXXX XXXX XXXX regarding your account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Validation of Account Account # : unknown Dear XXXX, I am writing to formally request further information and validation regarding the account referenced above. Please provide me with the following details regarding this account : XXXX. The full date the account was originally opened. 
XXXX. The full dates of the first and last delinquency on this account. 
XXXX. The date of the last payment made on the account. 
XXXX. The date this account was charged off, if applicable. 
XXXX. A copy of the original contract or agreement bearing my signature. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and obtain this information for verification purposes. Until you provide the requested documentation, I consider this account disputed and will not acknowledge any debt owed. 

Please respond within XXXX  days of receiving this letter. You may mail your response to my address listed above. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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 2024-12-29 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX Date Opened XX/XX/year> Balance XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/year> Balance XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/year> Balance 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 2024-12-29 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: AZ

Complaint narrative:
My information was exposed in a data breach. The reporting companies has incorrect information this does not belong to me. Please keep in mind the following laws concerning consumers 12 U.S.C 1431, 42 USC 408, 31 USC 5118

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 2024-12-29 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: CA

Complaint narrative:
Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
1. I am a victim of CC fraud from Chase Bank. I closed my CC back inXX/XX/2024, paid off the balance in full yet b/c of CC fraud had a balance of XXXX that I paid off XXXX week ago. 

2. My XXXX credit score dropped XXXX points. Despite me paying off the balance. 

3. I came off a mortgage/loan from an XXXX XXXX XXXX who did not XXXX so I had to proactively contact XXXX XXXX to report the data to the XXXX credit bureaus back in XX/XX/2024 which also impacted my credit score.

4. What is the solution? I have NEVER been in CC debt, yet b.c of financial fraud I'm being punished by the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I didn't authorize this inquiry it wasn't me I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year> Capital One employees purchase a consumer report from a consumer reporting agency without my written authorization or consent. In purchasing this report from this particular consumer consumer reporting agency called XXXX XXXX XXXX, Capital One employees willfully deprived me from opening a checking account by denying the completed application which proves a pattern of using discriminatory practices to deprive and steal from applicants. Such corporate tyranny also constitutes extortion of credits and restraint on trade of contracts to benefit only Capital One and not the real time investor who invests actual cash value to Capital One through applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: CA

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Since since they wrote it off on their taxes as a profit loss, they were supposed to provide me a copy of the 1099C form so that I can write it off as income .at the same time they're still reporting on my credit report that I owe them a balance. When they took a tax break for it never got a copy of the 1099C form. Under the FCRA, you can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming you owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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:
Dear Equifax Credit Bureau XXXX XXXX, I am writing to request the removal of the account with XXXXXXXX XXXX ending in XXXX. This account and its balance do not belong to me ; they are the result of identity theft and fraud. I have disputed this matter multiple times, but the account has consistently been reinserted. I have attached the removal letter from XXXXXXXX XXXX  and have also submitted a dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding this incorrect information on my credit report. 

Equifax has repeatedly violated the allowable time frame to resolve and correct these issues. Therefore, I am requesting the immediate removal of this invalid information and prompt attention to this significant matter. All other credit bureaus have already removed this account, and I need this ongoing problem resolved as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX is a copy of the information that needs to be removed from my Equifax credit report : **FILE A DISPUTE** XXXX XXXX  Account Number : XXXX **Report Date : ** XX/XX/year> **Reported Balance : ** {$7500.00} **Actual Payment Amount : ** {$0.00} **Date of Last Payment : ** XX/XX/year> **Past Due Amount : ** {$7500.00} **Account Status : ** Closed **Date Reported : ** XX/XX/year> **Payment Details** Last reported payment information can be reviewed by clicking " FILE A DISPUTE '' to continue. 

XXXX XXXX XXXX your monthly payment status by year. Click " Historical Details '' to select a category and dispute specific information. 

XXXX XXXX XXXX a category to view and dispute specific historical payment information. 

**Lender or Creditor Contact Information** XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX XXXX i received notification from equifax of security breach that took place in XXXX i filled out the form explaining i have been denied credit and inaccurate fraudulent activity on my report that lead to stressful and XXXX XXXX XXXX XXXX  due to situation with my credit and filing frequently fraudulent activities on my report i had to send inn disputes to fix my credit from XXXX thru XXXX case after case number and equifax refuse to fix the issue I was sent settlement form that i filed out to disburse XXXX XXXX the appeal dispute is settle i received notification of XXXX which was not the agreement of the due to the breach

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: OH

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: OH

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit 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 2024-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP
State: IL

Complaint narrative:
This was a Covid 19 issue. I applied for a credit and was approved by the State of Illinois for property tax credit. The State of Illinois ran out of funds.

U.S. Bank contacted me about the delinquent taxes. I explained the situation and was informed I had 60 days to pay the property taxes. I attempted to pay my property taxes and the county informed me U.S. Bank had paid them on my behalf one week after the 60 day notice. I spoke with a U.S. Bank representative and was told to visit a U.S. Bank branch and make the payment, which I did. In the confusion U.S. bank prematurely paid my upcoming property taxes which were not delinquent so I visited the branch and re-reimbursed them for the premature payment. I am current on my monthly principal and interest payments to date. U.S. Bank automatically created an escrow account for my property taxes without my consent and/or approval. My modification was documented on a XXXX XXXX XXXX XXXX XXXX document that no one acknowledges.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, DE XXXX Application # XXXX XX/XX/XXXX Denied/Did not approve for a line of credit due to a report provide by : EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Defendant XXXX requested my personal information including Social Security Number to process my application Defendant EXPERIAN provided Unverified, Unauthenticated, Inaccurate information concerning me to XXXX  PURSUANT TO 15 USC 1691 determines that it is Unlawful for any creditor to discriminate against ANY applicant for ANY reason ( including alleged bad credit ) It is illegal to be denied funding 18 USC 894 Collections of extensions of credit by extortionate means, whoever knowingly participates in anyway or conspires to do so in the use of any extortionate means. 1 ) to collect or attempts to collect an extension of credit or to punish any person/natural person/agent/beneficiary for the non repayment thereof SHALL BE FINED UNDER THIS TITLE OR IMPRISONED not more the 20 years or both. 
( No written permission was ever granted ) The corporations are " teaming up to con-spire against me.

other violations of this credit decision/denial / conspiracy include TILA 15 USC 1602 ( g ) TILA 15 1602 ( l ) Equal " credit '' opportunity Act These corporations ran my social security number without first having me fill out and sign a Ssa89 Form According to the Fair Credit Reporting Act ( FCRA ) Section 605B it is illegal to report information on my credit report without my permission.

Pursuant FCRA Section 611 ( A ) ( 1 ) if " creditors/credit bureaus/CRA 's '' fail to respond to written disputes within 30 days a 15 day extension may be granted if they receive information from the creditor within the first 30 days ) I have yet to receive any response/reply's/notification/changes to or on my report regarding all of these disputes I have mailed/ filed and disputed. this is a {$1000.00} Violation Pursuant FCRA Section 623 I have disputed all of these debts and they have failed to report them as disputed to the CRA 's this also is a XXXX Violation Pursuant FCRA Part ( A ) ( 5 ) ( B ) ( ii ) The Credit Bureaus " EXPERIAN '' has reinserted a removed item from my credit report without notifying me in writing within 5 business days ( incident happened numerous times ) This is also a XXXX Violation I will consider filling out a Fraud Affidavit if these unverified, unauthenticated, and seek compensation for damages and violations if corrections are not made to my credit report.

Company response to consumer: Closed with explanation