vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It XXXX Concern : Subject : Request for Blocking of Fraudulent Information Pursuant to 15 U.S.C. 1681c-2 and 1681 ( b ) I am writing to dispute fraudulent information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC Report XXXX : XXXX ) to support my identity theft claim.

Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four ( 4 ) business days upon receipt of the identity theft report. The following information on my credit report is the result of identity theft and should be blocked immediately : This letter is to notify you that I am a victim of identity theft. I have contacted the Federal Trade Commission and filed an FTC complaint, which is attached for your reference. There are fraudulent accounts on my report that do not belong to me.

All required documentation has been included in this packet and has also been sent via fax and Certified Mail to your agency. In addition, I demand the immediate deletion of the following fraudulent accounts from my credit report : Please remove the following fraudulent accounts from my credit report : ACCOUNTS : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX Please ensure that these accounts are removed from my credit report without delay. I expect confirmation of the completion of this request in compliance with 15 U.S.C. 1681c-2. 

Thank you for your prompt attention to this matter Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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 account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on XXXX. 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 XXXX  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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: SC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : 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 non-monetary relief
Consumer complaint received 2024-11-14 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: SC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX  ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
Violation of 15 USC 1681 B, permissible purposes. I never gave Transunion, XXXX or XXXX written consent to report or keep reporting XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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:
I was stunned to find inaccurate accounts on my credit report tonight, and I honestly have no idea how this happened. I check my report regularly, but this time, there were sudden discrepancies that Ive never seen before. I even tried refreshing my browser in hopes it was a glitch, but the inaccuracies remained. Because of this, I am asking for a thorough review of the documents Ive sent to put an end to this concern once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Requested detailed information regarding accuracy of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020, XXXX fraudulent digitized checks were written by XXXX XXXX in the amounts of {$370.00} and {$390.00}. I discovered this XXXX months later, and Chase Bank refused to refund me the amounts. They agreed that it was fraudulent and digitized, but said that because they were already processed, Chase could not refund the money even though they were fraudulent! The discovery period and her receiving the money prevented them from doing so -- which is insane -- I never received the money back because I kept getting outsourced to XXXX, and I ended up giving up because it was 2020 and I didnt have the time to be on calls for upwards of XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: MI

Complaint narrative:
I just recently looked at my credit report from TransUnion on XXXX XXXX and I saw some hard inquiries that didnt have permissible purpose. I also attached the evidence. 

XXXX. XXXX : ACT # XXXX -date status XX/XX/XXXX. Amount : {$19000.00} The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX XXXX XXXXXXXX : ACT # XXXX status XX/XX/XXXX. Amount : {$6400.00} The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXX XXXX XXXXXXXX XX/XX/XXXX. {$2100.00} The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4. XXXX : XXXX. {$15000.00} The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX : XXXX XX/XX/XXXX. {$2700.00} The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 6. XXXX : XXXX XX/XX/XXXX. {$5400.00} The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX : XXXX XX/XX/XXXX. {$15000.00} The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX : XXXX XX/XX/XXXX. {$13000.00} The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: CBC Companies, Inc.
State: IL

Complaint narrative:
Maintaining a credit file on me with out my written permission I am demanding that you freeze and delete any file that you have on me Failure to do as I state will result in my filing a federal lawsuit against your company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting a thorough review of an account on my credit report that has been repeatedly verified as accurate, despite clear evidence to the contrary. I have sent multiple disputes to correct or remove this inaccurate information, yet each response has resulted in the same inaccurate information remaining on my report.

This continued failure to address the inaccuracies violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires credit reporting agencies to ensure complete accuracy. I require 100 % accuracy on my credit report, and I urge you to reinvestigate this matter, taking into account the attached documentation, and either correct or remove this erroneous information immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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 XXXX, and XXXX, accounts were opened fraudulently in my name because I was in prison from XX/XX/XXXX to XX/XX/XXXX. I sent XXXX classification paperwork along with my prison ID stating the dates that I were incarcerated. After XXXX XXXX fraud department investigated my claims, it was determined that these accounts were determined to be fraud. I explained to XXXX  XXXX customer service XXXX XXXX XXXX XXXX, XXXX XXXX, And XXXX XXXX. I explained to all these representatives how I am a consumer with consumer rights utilizing Consumer Law. USC 1681n, and 607b FCRA. These fraudulent accounts were opened due to fraudulent applications, and was posting on my credit reports for years damaging my credit profile. This cause me to be denied funding, denied for installment loans. FCRA 607b states that Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy not minimum accuracy. USC 1681n FCRA addresses non compliance, but specifically willful non compliance. Any party with the knowledge that it violated the FCRA, or in reckless disregard for the FCRA and it's associated requirements, leads to serious consequences for the offending party. Specifically XXXX XXXX, but also includes XXXX, XXXX, and TransUnion for reporting these inaccuracies for years from XXXX XXXX allowing fraudulent applications to be opened in my name reporting to all XXXX major credit bureaus damaging my credit profile. I am seeking compensation for stress, XXXX, anxiety, pain and suffering, and loss of wages. I am seeking {$250000.00} from XXXX XXXX, and {$500000.00} from each credit bureau mentioned above for violating my consumer rights USC 1681n, and 607b FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: PA

Complaint narrative:
In XXXX, and XXXX, accounts were opened fraudulently in my name because I was in prison from XX/XX/XXXX to XX/XX/XXXX. I sent XXXX classification paperwork along with my prison ID stating the dates that I were incarcerated. After XXXX XXXX fraud department investigated my claims, it was determined that these accounts were determined to be fraud. I explained to XXXX  XXXX customer service XXXX XXXX XXXX XXXX, XXXX XXXX, And XXXX XXXX. I explained to all these representatives how I am a consumer with consumer rights utilizing Consumer Law. USC 1681n, and 607b FCRA. These fraudulent accounts were opened due to fraudulent applications, and was posting on my credit reports for years damaging my credit profile. This cause me to be denied funding, denied for installment loans. FCRA 607b states that Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy not minimum accuracy. USC 1681n FCRA addresses non compliance, but specifically willful non compliance. Any party with the knowledge that it violated the FCRA, or in reckless disregard for the FCRA and it's associated requirements, leads to serious consequences for the offending party. Specifically XXXX XXXX, but also includes Equifax, XXXX, and XXXX for reporting these inaccuracies for years from XXXX XXXX allowing fraudulent applications to be opened in my name reporting to all XXXX major credit bureaus damaging my credit profile. I am seeking compensation for stress, XXXX, anxiety, pain and suffering, and loss of wages. I am seeking {$250000.00} from XXXX  XXXX, and {$500000.00} from each credit bureau mentioned above for violating my consumer rights USC 1681n, and 607b FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: LEXISNEXIS
State: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Back on XX/XX/year> a complaint that I made against XXXX XXXX XXXX was closed with a very unsatisfactory response. The company stated they could not find any details regarding my account, however the account in question had been closed on my credit report. It was closed, however it is still reporting incorrect information resulting potentially negative credit score and overall trustworthiness in creditors eyes. I repeatedly contacted this company regarding the fraud use and continued opening of my account and drafting of payments I never authorized, including opening a second account after request of closure. I requested all funds back, and compensation related to the specificity of the law, as well as removal of the account in full. The company response was to send me a check, that I was unable to cash, as the check turned out to be fraud. The check itself was also not comparable in funds to what is allowed by the law of up to {$1000.00} per fine, nor was it comparable to the hundreds of dollars that were taken from my account during that time without my consent, or the funds and energy spent trying to recover my identity due to neglect on the company behalf. I have tried over time to get this corrected including reaching out to my local Congressional team for assistance. I have filed the necessary police report regarding my identity theft, and this is the 2nd year in a row that I am having to complete this same process without any resolution. Please correct this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Back on XX/XX/year> a complaint that I made against XXXX XXXX XXXX was closed with a very unsatisfactory response. The company stated they could not find any details regarding my account, however the account in question had been closed on my credit report. It was closed, however it is still reporting incorrect information resulting potentially negative credit score and overall trustworthiness in creditors eyes. I repeatedly contacted this company regarding the fraud use and continued opening of my account and drafting of payments I never authorized, including opening a second account after request of closure. I requested all funds back, and compensation related to the specificity of the law, as well as removal of the account in full. The company response was to send me a check, that I was unable to cash, as the check turned out to be fraud. The check itself was also not comparable in funds to what is allowed by the law of up to {$1000.00} per fine, nor was it comparable to the hundreds of dollars that were taken from my account during that time without my consent, or the funds and energy spent trying to recover my identity due to neglect on the company behalf. I have tried over time to get this corrected including reaching out to my local Congressional team for assistance. I have filed the necessary police report regarding my identity theft, and this is the 2nd year in a row that I am having to complete this same process without any resolution. Please correct this.

Company response to consumer: Closed with non-monetary relief