vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 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:
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. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: NY

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: WI

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 non-monetary relief
Consumer complaint received 2024-12-16 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: WI

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this complaint regarding unauthorized hard inquiries appearing on my credit report managed by Equifax. These inquiries were conducted without my explicit consent, violating my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

The specific hard inquiries in question are : XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Violations Identified : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : These inquiries were made without my explicit authorization, which is a legal requirement under FCRA for hard inquiries to appear on a consumer credit report.

Equifaxs Obligations Under FCRA 611 : I requested Equifax investigate and remove these unauthorized inquiries. However, they have not provided adequate resolution or validation documentation to substantiate the legitimacy of these inquiries.

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801 : The entities that accessed my credit report through Equifax failed to secure proper consent, infringing on my financial privacy rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this complaint regarding unauthorized hard inquiries appearing on my credit report managed by Equifax. These inquiries were conducted without my explicit consent, violating my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

The specific hard inquiries in question are : XXXX XXXXXXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX Violations Identified : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : These inquiries were made without my explicit authorization, which is a legal requirement under FCRA for hard inquiries to appear on a consumer credit report. 

Equifaxs Obligations Under FCRA 611 : I requested Equifax investigate and remove these unauthorized inquiries. However, they have not provided adequate resolution or validation documentation to substantiate the legitimacy of these inquiries.

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801 : The entities that accessed my credit report through Equifax failed to secure proper consent, infringing on my financial privacy rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX To : VANCE AND HUFFMAN LLC Dear Vance and Huffman LLC I am writing in response to your recent communication regarding the alleged debt referenced above. I request that you validate this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : 1.The amount of the debt you claim I owe.

2.The name of the creditor to whom the debt is currently owed.

3.A detailed statement showing the charges and payments on this account, including the date the debt was incurred and the original amount.

3.Documentation proving that you have the legal right to collect this debt ( such as a signed agreement or contract ).

4.A copy of the judgment, if applicable. 
Until I receive this verification, I will consider the debt in question to be disputed. I also request that you cease any further collection efforts until you provide the requested documentation. 

Please be aware that I am exercising my right to dispute this debt under the FDCPA. Should you fail to provide the necessary documentation within 30 days of receipt of this letter, I expect this debt to be considered invalid, and I request that you cease reporting it to the credit bureaus. 

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

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-12-16 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) as XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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 2024-12-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: VALLEY NATIONAL BANCORP
State: CT

Complaint narrative:
I sent the following email to a contact given to me by Valley Bank. I have sent three emails between XX/XX/XXXX and XX/XX/XXXX and have not received a response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear XXXX, I made ( and mailed ) a payment for the full amount of my loan balance to Valley Bank on XX/XX/XXXX against a due date of XX/XX/XXXX. See the copy of my check, statement, and notes, attached. I have since voided this check. 

Apparently, Valley never got my check and I received the attached late notice. Upon receipt of this notice, I paid the full balance immediately. I later found a mark on my credit report.

About two months ago, I sent a note to Valley explaining this situation, that I had paid this bill on time and to please remove the mark from my credit report. I dont recall if I emailed or mailed my request, but I know for sure that I sent it. I never received a response. 

I just spoke with XXXX at Valley who gave me your email. Long story short, I definitely sent this payment on time. I assume the check was either lost in the mail or at your facility. Regardless of what happened, I wanted to send you some proof that I sent this check in on time. 

The late mark on my credit report is affecting my otherwise great credit and Im concerned about additional points/rates we may need to pay on an upcoming home equity line I am applying for. 

As such, would you kindly consider removing the late mark on my credit report? 

Feel free to call me at XXXX or email me at XXXX if youd like to discuss. 

Very best, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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:
" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-16 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: GA

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 non-monetary relief
Consumer complaint received 2024-12-16 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX I got an email from Chase stating they suspected fraudulent activity on my card and I was to get in contact with them which I did. I stated I didnt make the charge of {$1000.00} to a company called XXXX for tickets to a football game in XXXX XXXX between the XXXX XXXX XXXX XXXX XX/XX/XXXX. They recommended closing my card and issuing me a new one and i absolutely agreed. The Chase statement showed it was posted on XXXX XXXX and was then taken off XXXX XXXX. I assumed it had been taken care of because I had never heard anything about it again, until they reposted back on XXXX XXXX to my new account. I called why was it back on for me to pay and they told me they contacted XXXX and they told Chase they had all my personal information and that it was correct. They had my information because it was stolen and thats how the thief was able to buy the ticket/s in the first place. Chase shouldve had a verification in place to call or text my phone the moment they suspected the purchase but I never had an opportunity to verify it or not because they never let me know what was happening until the email XXXX. XXXX. The fraud department wanted XXXX to look for suspicious activity with my email and they told me they did but couldnt send a letter or text or email to say what they saw. So I told the fraud department what they said and he said well set up a 3 way conference call within XXXX hours and they never let that happen. They just said it was my bill to pay. It seems to me when I closed the card on XX/XX/XXXX, it didnt get closed until probably the XXXX XXXX. The XXXX XXXX I have showed they didnt even send the card until 6 days later and I got the new card on XXXX XXXX. Chase could have prevented this whole thing from happening if they had just told the seller XXXX we refuse to allowed this purchase to go through because the holder of this card verified by phone with us that he wasnt the one trying to buy the ticket/s on this Chase card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: TX

Complaint narrative:
When I reviewed my credit reports I still see the fraudulent accounts, erroneous and inaccurate information reflected in my credit reports. The EQUIFAX must validate these accounts, this complaint to EQUIFAX is in line with Section 609 ( a ) ( 1 ) ( A ) and 611 a ) ( 1 ) ( A ). These accounts needs to be corrected and investigated as they are totally erroneous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: PA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Type of disputed information : Auto Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 2 Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  Type of disputed information : Secured Loan Dates with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 3 Account Number : XXXX Account Name : XXXX XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 4 Account Number : Account Name : XXXX XXXX XXXX Type of disputed information : Rental Agreement Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 



Dispute 5 Account Number : XXXX Account Name : XXXX XXXX  XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 




Thank you for your assistance 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