vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I called the Chase customer service number and explained that I am unable to log into my Chase bank account online due to the two-step verification. The two-step verification is set to send verification codes to my previous phone number ( XXXX ) that is deactivated, and I no longer have access to. Despite giving my SSN, Credit Card information, city, state, and address, I was told that they could not " verify my identity '' despite the information given. The individual on the phone wanted me to verify my identity by verifying purchases made with my Chase credit card, purchases going back a year or more, relying on their " system '' to randomly ask questions about confirming the dates of previous purchases I made ( None of these questions were ones I ever filled out for my security questions, instead are made by Chase 's system, without my input ). I, of course, am unable to remember that exact dates of the purchases I made a year ago, let alone dates of purchases I made more than a year ago. When I was told that this " system '' stated that my answers to the questions it ( the system, not the individual ) made were wrong, I was told that they ( the individual I was speaking to ) was unable to process my request, which was to change the phone number associated with the two-step verification or change the two-step verification to my security questions, and to call again so that the system could prompt me with new, randomized questions, again none pertaining to my security questions but rather purchases and their dates that were made a year, or more, ago. Keep in mind, some of these questions did not make any sense, like asking what my certifications were. I was asked what certifications I have ( I was given four options ), and none of the options provided were ones I even have certifications in, so I was doomed to not have access to my bank account due to Chase 's system making up questions to ask me, questions that I have to answer correctly so that I can have my request fulfilled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: FL

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 ( 1 ) 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 shalli ) 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 : Experian-XXXX  XXXX Account number XXXX Original creditor - Company sold - Account type Credit card Date opened XXXX XXXX, XXXX XXXX XXXX  XXXX Account number XXXX Original creditor - Company sold - Account type Time Share Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Original creditor - - Account type Secured Card Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX Company sold - Account type Collection Date opened XX/XX/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 2024-12-09 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments Reported by TransUnion Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for XX/XX/XXXX is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681i and 15 USC 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Account Information : Account Name : XXXX Account Number : XXXX Reported Late Payment : XX/XX/XXXX High Balance : {$160.00} Balance Owed : {$0.00} Account Status : Closed, Paid Evidence of Errors : Discrepancy in Reporting : TransUnion incorrectly reports a 30-day late payment in XX/XX/XXXX. 
Documentation Attached : I have included my credit report, government-issued ID, Social Security card , and proof of address to support my identity and request. 
Requested Resolution : I request that TransUnion conduct a thorough investigation and remove the inaccurate late payment for XX/XX/XXXX from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA. 
Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
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 non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
I have a XXXX XXXX fortiva card with an open balance so I go to XXXX  in XXXX to buy furniture they place me on a leasing program that charging 4 times the cost of product I bought

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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:
The accounts linked to identity theft on my consumer report were added without my written authorization. These fraudulent items have caused significant emotional and financial distress, hindering critical financial goals like home purchasing. I demand the immediate blocking and removal of these inaccurate accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: GA

Complaint narrative:
Name : XXXX XXXX XXXX DOB : XX/XX/XXXX Last 4 of SSN : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, who lived with me for 6 years, stole my identity during her stay. She made unauthorized copies of my Social Security card, drivers license, and birth certificate, then used them to open numerous accounts in my name without my permission. I am doing everything I can to resolve the financial mess she created, but her actions have left me with significant debt affecting my credit report. Ive filed a police report, but there is little else I can do as she is currently untraceable. 

After extensive research on the best steps to take, I am filing this CFPB complaint to request that Equifax in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), block the fraudulent information on my credit report resulting from identity theft. This action must be completed within 4 business days of receiving this complaint, as required by the law. I have once again provided the relevant information about the affected account below : ACCOUNTS XXXX  XXXX Acct No. : XXXX Date Opened : XX/XX/XXXX XXXX  XXXX Acct No. : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Acct No. : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Acct No. : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Acct No. : XXXX I do not recognize these accounts/inquiries and did not authorize them. Due to the malicious actions of a former roommate, I am now left dealing with the impact of her fraudulent activities. These accounts and inquiries were not made or initiated by me and are the result of identity theft. I have included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ), along with several FTC Affidavits previously submitted to Equifax, as evidence from the U.S. Federal Trade Commission confirming that these inquiries are a result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: OR

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX  XXXX, NC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Employers : XXXX  Employers : XXXX  Employers : XXXX XXXX XXXX Collection/Charge Off XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XX/XX/XXXX {$5300.00} Late Payment 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 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 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 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 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 XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-12-09 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments Reported by Experian Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for XX/XX/XXXX is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681i and 15 USC 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Account Information : Account Name : XXXX Account Number : XXXX Reported Late Payment : XX/XX/XXXX High Balance : {$160.00} Balance Owed : {$0.00} Account Status : Closed, Paid Evidence of Errors : Discrepancy in Reporting : Experian incorrectly reports a 30-day late payment in XX/XX/XXXX. 
Documentation Attached : I have included my credit report, government-issued ID, Social Security card , and proof of address to support my identity and request. 
Requested Resolution : I request that Experian conduct a thorough investigation and remove the inaccurate late payment for XX/XX/XXXX from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA. 
Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-12-09 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:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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:
The following accounts were not initiated by me and I suspect identity theft. I have already submitted several disputes regarding this, the creditors just ignore them, so please I ask that this time they will review more thouroughly, I am including my ID here and a copy of my social as well as a proof of address, please forward this to the bureaus on my behalf, last time they disregarded the ID I had sent. 

The accounts in question are as follows : XXXX XXXX XXXX {$2900.00} XXXX XXXX {$1400.00} XXXX XXXX {$850.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX- {$1200.00} XXXX XXXX {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
The following accounts were not initiated by me and I suspect identity theft. I have already submitted several disputes regarding this, the creditors just ignore them, so please I ask that this time they will review more thouroughly, I am including my ID here and a copy of my social as well as a proof of address, please forward this to the bureaus on my behalf, last time they disregarded the ID I had sent. 

The accounts in question are as follows : XXXX XXXX XXXX {$2900.00} XXXX XXXX {$1400.00} XXXX XXXX {$850.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX- {$1200.00} XXXX XXXX {$1100.00}

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