vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

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!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-17 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: FL

Complaint narrative:
Good morning : I have tried to dispute a fraudulent medical bill reported on my Credit Report. The company involved is saying that this is my bill. I am a XXXX veteran and have never been to a " XXXX XXXX XXXX ''. My medical needs are tended by the XXXX XXXX XXXX. I believe this to be an attempt to defraud me. Please see report from Equifax attached hereto. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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:
am submitting this formal request to obtain a detailed description of the investigation procedures followed regarding the disputed information on my credit report. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( 7 ), which obligates credit reporting agencies to provide consumers with a description of the procedures used to verify disputed accounts.

Below are the details of the account in question : Account Information : Account Name : XXXX Account Number : XXXX I dispute the accuracy of the information reported on this account and request verification of its validity. Under the FCRA, I am entitled to a full description of the reinvestigation process conducted to verify this information. 

Additionally, under the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 ), credit information must be both accurate and transparent to protect consumer rights. Any failure to ensure accuracy or to provide a description of the reinvestigation process represents a direct violation of my rights under federal law.

Provide a detailed description of the procedures used to investigate and verify the accuracy of this account.

If you can not verify this information with the data furnisher, I request the immediate deletion of the disputed account from my credit report as required by the FCRA.

I expect a detailed written response outlining the investigation process, as required under the FCRA. Should you fail to comply with this request, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal remedies to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to receiving a timely and satisfactory 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 2024-12-17 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:
Subject : Request to Block and Delete Fraudulent Accounts and Inquiries under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the following account from my credit report, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to request the removal of fraudulent accounts resulting from such breaches. 
Account Details : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year>2020 Amount : {$2100.00}

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 explanation
Consumer complaint received 2024-12-17 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: NC

Complaint narrative:
i am writting to formally report identity theft and request the removal of inaccurate, fraudulent inquries, negative and outdated items from my credit reports, that is result in identity theft being exposed to multiple data breaches According to my rights under the Fair Credit Reporting Act ( FCRA ) SECTION 623 ( a ) ( A ), i am entitled to dispute and correct any erroneous information that adversely affects my credit standing. the fraudulent activity has severly impacted my credit, and i seek prompt resolution to rectify this situation with the removal of the fraudulent inquires listed below : XXXX : XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX, XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX REMOVE THESE FRAUDULENT INQUIRES IMMEDIATELY!!!!!

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I closed my credit card accounts with Chase several months ago and paid off the balances at that time. I'm guessing that this happened in XXXX. In late XXXX, I received a letter from Chase that I had an outstanding balance. I called on XX/XX/XXXX to request a billing statement from them so that I could pay the remaining balance off. As of today ( XX/XX/XXXX ) I have still yet to receive a bill from Chase. 

I received a call today that my account was not being reported 30-days late by Chase. I spoke with a supervisor named XXXX who said that the bill was not sent out until after the XXXX of XXXX. It still has not been received. I informed XXXX that I am happy to pay the balance and that I wanted the 30-day late removed from my credit report. She refused to do so. 

How am I supposed to pay a bill I have never received and why is this being erroneously late?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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:
These accounts are fraudulent and should be removed from my credit report, as I did not open them and was unaware of their presence. Pursuant to USC 1681g, I request their deletion within 15 days. The required supporting documents are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I had fraud on my checking account on XX/XX/XXXX24. Chase initially notified me of the fraud, I called Chase immediately to close the account, and I was reassured that my money would be refunded due to " Chase 's Zero Fraud Liability Policy ''. My money was initially refunded, but then I received notice that Chase took the money back due to their investigation showing that the charges were legit. They were NOT legit, and I have a police report, which I submitted. After two months of back-and-forth with Chase wasting hours and hours of my time, Chase finally agreed to refund me after my attorney friend got involved. I received my money back in XX/XX/XXXX2024. Then I received a letter from Chase informing me they would ONCE AGAIN take the money from my account on XX/XX/XXXX/24. I closed my checking account, withdrew my money, and informed Chase that I would NEVER bank with them again. ( I had been a loyal Chase customer for over 20 years. ) On XX/XX/XXXX/24, I received a call from a Chase representative to let me know that my CLOSED account had a negative balance after Chase withdrew that money again. The Chase representative told me I could repay that negative balance with a payment plan ; I informed Chase that this was THEIR debt, not mine. I will not repay a debt that I did not incur.

I want to inform others of Chase 's deceptive and negligent practices. Chase had a major security breach in XX/XX/XXXX 2024, and notified me that my information was involved. Additionally, Chase allowed someone to order and obtain a duplicate copy of my debit card without notifying me at all. Then the fraudster was able to use my card for debit transactions AND withdraw cash from the ATM! How does that even happen in a huge banking giant like Chase? Please avoid Chase at all costs!!! CONSUMERS BE WARNED!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: IN

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 explanation
Consumer complaint received 2024-12-17 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 am writing to formally notify you that I am a victim of a data breach, and pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the blocking and deletion of the accounts and inquiries listed below, which have resulted from this breach. I ask that these items be blocked and permanently deleted from my credit report immediately. 
Accounts to be Blocked and Deleted XXXX. XXXX XXXX XXXX Account # XXXX Date Reported : XX/XX/XXXX Amount : {$19000.00} XXXX. XXXX XXXX Account # XXXX Date Reported : XX/XX/XXXX Amount : {$660.00} XXXX. XXXX Account # XXXX Date Reported : XX/XX/XXXX Amount : {$3600.00} XXXX. XXXX Account # XXXX Date Reported : XX/XX/XXXX Amount : {$4600.00} XXXX. XXXX XXXX Account # XXXX Date Reported : XX/XX/XXXX Amount : {$5100.00} XXXX. XXXX XXXX Account # XXXX Date Reported : XX/XX/XXXX Amount : {$0.00} Inquiries to be Blocked and Deleted XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-17 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: TX

Complaint narrative:
I did not authorize the following inquiries that are reporting on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: MD

Complaint narrative:
I kindly request the deletion of this account from my credit record, as it does not pertain to me. Please conduct an investigation to address any other potential issu

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 2024-12-17 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I reviewed a copy of my credit report and noticed some fraudulent accounts per FCRA subsection 605b and 15 usc 1681c2 I ask that you block the following accounts immediately XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXXXXXX 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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the following inquiries that are reporting on my credit report. 
XXXX XXXX XXXX requested on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX requested on XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX XXXX requested XX/XX/XXXX XXXX  XXXX XXXX requested XX/XX/XXXX XXXX XXXX  XXXX requested on XX/XX/XXXX XXXX XXXX requested on XX/XX/XXXX XXXX XXXX requested on XX/XX/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 2024-12-17 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: UT

Complaint narrative:
There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened.

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 2024-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am disputing an inaccurate item on my credit report, which is attributed to Fifth Third Bank. Over the last 45 days, I have made multiple attempts to resolve this issue directly with Fifth Third Bank. I escalated the matter and was put in contact with the Office of the President. However, for the past 3 weeks, I have received no resolution or meaningful response. I have called multiple times and sent follow-up emails, yet I have been ignored. 

Efforts to Resolve : 1.I contacted Fifth Third Bank on XX/XX/XXXX to dispute the credit report error. 
2.I was referred to the Office of the President with XXXX as my direct point of contact. yet no one has provided me with updates or actions to resolve my dispute. 
3.I followed up via phone from XX/XX/XXXX - present XX/XX/XXXX and sent emails on XX/XX/XXXX - present XX/XX/XXXX but I received no responses to my requests. 

The inaccurate credit reporting is causing severe financial hardship. It has prevented me from : 1.Securing financing to purchase a vehicle since my current vehicle is inoperable.

2.Qualifying for a home mortgage, which has delayed my plans to purchase a property.

This situation is directly impacting my ability to move forward financially and personally.I am requesting the CFPB to : 1.Compel Fifth Third Bank to investigate and respond to my credit dispute. 2.Take corrective action to resolve the inaccurate reporting or provide evidence of its validity. 3.Ensure that Fifth Third communicates directly with me and resolves this matter promptly.

Attached are documents from my credit report showing Ive made my payments on time with 5th 3rd, Ive never received a late payment letter or phone call from them and my payment where auto drafted most of the time. I spoke with a representative from 5th 3rd where I took the loan out and they stated it was incorrect on their end but shed have to forward it to the office of presidents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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