vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 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: CA

Complaint narrative:
Experian is reporting an account on my credit report, report number XXXX XXXX that does not belong to me. The company that appears to be stating that it is my account is XXXX XXXX XXXX. In XX/XX/XXXX this company contacted me by mail stating I owed for an account in the amount of XXXX, they are reporting XXXX as of XXXX.Their amounts don't even match and I have not paid anything because it's not my account/ I wrote them a letter stating that it was not my account and that they needed to provide all and any documents for request for credit for the account. They were unable to provide and are in violation of 1681s-2 ( a ) ( 1 ). It appears that this company then placed this account for reporting to Experian in XXXX. I further requested documents from the company XXXX claims the original creditor is, XXXX and they could not provide. XXXX does not show this account on my report. Experian must maintain correct information on my profile and remove inaccurate information under the Fair Credit Reporting Act. This account needs to be removed. If Experian or the company that they have a paid relationship with for reporting can not provide me with the documents obtained to validate this account they are violating the law, 1681i ( a ) ( 5 ) ( A ).

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 2024-08-19 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: LA

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: NY

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. PLEASE BLOCK AND REMOVE

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 2024-08-19 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: NY

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 2024-08-19 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: NY

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 2024-08-19 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: TX

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-08-19 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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:
Experian you is reporting Inaccurate information on my credit report. The account XXXX, XXXX you is reporting this account pass due on my credit report when this account is not pass due but indeed Inaccurate. I have enclose my XXXX report with this dispute to show you are misleading with Inaccurate reporting on my credited 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 2024-08-19 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: LA

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them 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 non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them 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 2024-08-19 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:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-08-19 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: LA

Complaint narrative:
My information was exposed during a Data Breach and Ive noticed inaccurate and unauthorized fraudulent accounts and inquiries. 
Please remove all accounts and inquiries.

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 2024-08-19 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: LA

Complaint narrative:
My information was exposed during a Data Breach and Ive noticed inaccurate and unauthorized fraudulent accounts and inquiries. 
Please remove all accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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 am writing to formally dispute the incorrect information currently being reported on my credit report. Specifically, the balances for two of my accounts are inaccurately reported. 

XXXX XXXX XXXX  My current balance is {$75.00}. However, your report shows a higher balance. 
XXXX XXXX : My current balance is {$0.00}. However, your report shows a higher balance. 
I have contacted both XXXXXXXX XXXX and XXXX XXXX to update my credit report with the accurate balances, but the reports have not been corrected. As a result, I am submitting this dispute through the Consumer Financial Protection Bureau ( CFPB ) to ensure that my credit report reflects the accurate and up-to-date information. 

Attached, you will find a letter from XXXXXXXX XXXX  confirming my current balance of {$75.00}, and a letter from XXXX XXXX confirming my current balance of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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/updated.

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.

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!

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed a XXXX thats been reporting on my report for several years!!! This is the only credit bureau reporting incorrect information. This is ruining my life. I have requested to have it removed several times

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 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
My wife received a XXXXXXXX XXXX notification in XX/XX/XXXX that our Bank Of America credit card account had been " closed by consumer ''. Knowing she nor I had requested the account to be closed, I called BOA on XX/XX/XXXX to see what was going on. The lady I spoke with said it was closed due to inactivity and that I was sent emails saying the account would close if not used. The emails were never read on my end since the best way to get important information to me is by phone or letter via US mail. I can't even find the emails in my inbox unless I do a specific search for them. 

The credit card account was opened in XXXX to help establish credit and to be used for any large unexpected expense. Since it was closed, our credit scores have taken a huge hit and now we don't have our emergency account. BOA says the account can not be re-opened. That was said on the phone XX/XX/XXXX during my initial call as well as via XXXX " chat '' on XX/XX/XXXX. The only solution offered was to apply for and open a new account. 

The practice of closing a long tenured credit card account that is in good standing without the customer 's consent is unfair and deceptive and causes negative financial impact on the customer that will make it harder and more expensive to borrow money in the future. 

I want to file this formal complaint in the hopes that BOA does the right thing and re-opens the account. At that point, I would be willing to use the account as our primary credit card so this does not happen again. 

Thank you, 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 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
I have been calling Verve XXXX company since XX/XX/2024 and on that date I spoke with a representative named XXXX who then transferred me to the credit protection program department, well I was told that I would receive the form in my email within XXXX to XXXX hours and I never received the form to use the credit protection program. I then call back on XXXX XXXX and spoke with XXXX and was told he could not help me to call the credit protection department at XXXX which I did still could not get anyone to help me. I called back on XX/XX/2024 and spoke with XXXX and was told that I should receive the form to use the credit protection within XXXX hours which I never received. I called back on XX/XX/2024 and spoke with XXXX and was told that I could not use the credit protection program until I was current on my payment. Now this is the first time someone has told me that I would need to bring the account current before I could use the credit protection that I have been paying for every month since I open the account. And now I am not working and need to use the protection program I can't use it. And now they have turned me into the credit bureaus for a late payment which all this could have been avoided if would have been told that I could not use the credit protection program until the account was current. Now I have a late payment showing up on my credit report when I tried on several occasions to avoid this negative response.

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 2024-08-19 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: FL

Complaint narrative:
I am writing to formally dispute the incorrect information currently being reported on my credit report. Specifically, the balances for two of my accounts are inaccurately reported. 

XXXXXXXX XXXX : My current balance is {$75.00}. However, your report shows a higher balance. 
XXXX XXXX : My current balance is {$0.00}. However, your report shows a higher balance. 
I have contacted both XXXXXXXX XXXX  and XXXX XXXX to update my credit report with the accurate balances, but the reports have not been corrected. As a result, I am submitting this dispute through the Consumer Financial Protection Bureau ( CFPB ) to ensure that my credit report reflects the accurate and up-to-date information. 

Attached, you will find a letter from XXXXXXXX XXXX confirming my current balance of {$75.00}, and a letter from XXXX XXXX confirming my current balance of {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
Chex systems Inc. has reported information received from XXXX XXXX XXXXXXXX which is mistakenly reported. 
The consumer transaction entered with XXXX XXXX  XXXX has reported negative information to the third part Chex system in regards to a debt. From the consumers findings he is protected by 18 USC 8 in regards to debts. The consumer requests to invoke 31 USC 5118 to discharge said debt from Chex systems. The reporting from Chex system has caused denial of access to consumers unlimited credit under 15 USC 1611.

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 2024-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
On Sat. XX/XX/XXXX, {$600.00} was withdrawn from my checking account. At around the time of the withdrawal ( between XXXX pm and midnight ET ), I was at a concert in downtown Washington. My home computer was left on and running -- I do not know if someone had access to it while I was away, but it could be the case. When I was at the concert, I did temporarily offer someone my phone so she could allegedly call her mom to pick her up. I do not know if that is when the transaction happened, but it could be. 

On XXXX XXXXXX/XX/XXXX, I noticed the transaction in my records and knew it was fraudulent. I called Chase Bank to notify them of the unauthorized transaction. My passwords were changed and I was told that I would be given a final update on the case within XXXX to XXXX days. A temporary deposit of {$600.00} in credit was given to my account then. I requested information on the IP address and the name of the account that took money from my account. XXXX told me that they would mail me a physical report and to expect it in my mailbox within XXXX to XXXX  days. I did NOT receive this correspondence, but I noticed in my latest bank statement that XXXX had withdrawn the temporary deposit with no explanation given. 

On XXXX XX/XX/XXXX, I called XXXX to file a police report. The police officially filed the report as an unauthorized transaction on XXXX XX/XX/XXXX. I have attached the police report.

Company response to consumer: Closed with explanation