vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 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: WY

Complaint narrative:
Complaint name : XXXX XXXX XXXX complaint dobXXXX complaint ss # XXXX contents of complaint.This cfpb complaint has been filed pursuant to XXXX XXXX that you transunion, experian, equifax credit reporting agencys block delete information that is a result of idenity theft and fraud within XXXX business days of you receiving this complaint.There is XXXX fraudulent inaccurate accounts : # XXXX self lend acount # XXXX balance of {$63.00} opened fraudulently on XX/XX/year> # XXXX. grain acount # XXXX and # XXXX XXXX XXXX XXXX XXXX acount XXXX balance {$500.00} # XXXX opensky cbnk acount # XXXX balance {$1400.00} # XXXX. XXXX XXXX  acount # XXXX balance {$26000.00} these accounts was not opened made or initiated by me.i am attaching the FTC report # XXXX as proof.delete the aforementioned accounts within XXXX business days or I am filing a lawsuit and demanding {$1000.00} per violation of my federally protected rights under the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these accounts are the result of idenity theft/data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: NY

Complaint narrative:
I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant mental and financial distress by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so may lead me to pursue legal action. 

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: NY

Complaint narrative:
I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant mental and financial distress by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so may lead me to pursue legal action. 

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent regarding this matter.

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 2024-09-23 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: National Credit Systems,Inc.
State: NE

Complaint narrative:
Follow-Up on Complaint XXXX Violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) I previously submitted a formal complaint on XXXX XXXX, 2024, disputing a debt claim made by National Credit Systems regarding an account with the original creditor XXXX XXXX, in the amount of {$500.00}. Despite my requests, National Credit Systems and XXXX have failed to provide the necessary documentation to substantiate the alleged debt, violating my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

As outlined in 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of disputed or fraudulent information within XXXX business days of receiving such a request. It has been well beyond the required timeframe, and the erroneous information remains on my credit report. This constitutes a willful violation of the FCRA. 

Outstanding Violations : 1. Failure to Provide the Original Contract : XXXX XXXX XXXX has not provided the original contract that I allegedly signed, which would demonstrate my legal obligation to repay the debt. 
2. Insufficient Account History : The documentation provided does not include a detailed account history showing the transactions, charges, fees, and payments applied to the alleged debt. Full itemization is necessary to verify the validity and amount. 
3. Failure to Provide Proof of Assignment : If National Credit Systems is not the original creditor, they have not provided proof of a legitimate assignment or transfer of the debt, demonstrating their legal right to collect it. This includes a proper chain of title from XXXX XXXX to National Credit Systems. 

Impact of Your Noncompliance : Due to your failure to delete this information within the legally required XXXX business days, as per 15 U.S. Code 1681c-2, I am disputing this debt under the doctrine of estoppel by silence, assuming that no proof of the alleged debt exists. 

My Demands : 1. Immediate cessation of all collection activities until the debt is properly validated. 
2. Immediate removal of the inaccurate information from my credit report. 
XXXX. Compensation for damages : I reserve the right to pursue legal action under 15 U.S. Code 1681n and 15 U.S. Code 1692 to recover damages for the failure to comply with both the FCRA and FDCPA. 

Additionally, the continued attempts to collect this disputed debt without proper documentation may violate 15 U.S.C. 1691 and 12 CFR 1002, which prohibit adverse actions based on credit history without a legitimate, legally justified basis. 

I expect prompt attention and resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXXXXXX 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 2024-09-23 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: CITIBANK, N.A.
State: LA

Complaint narrative:
In accordance with the fair credit reporting act Citibank N.A. - # XXXXhas violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Citibank N.A. XXXX 15 USC 1681 Section 602A. States I have the right to Privacy. And according to 15 USC 1681e ( b ) they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of information. Any other Adverse item of information other the records of convictions, of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) 1. A person shall not furnish any information relating to a consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate or incomplete.

UPON the receipt of documents herein and of this notice. You are hereby notified Pursuant UCC 1 - 202f. Your prompt attention and response are both requested and required. Citibank N. A. XXXX XXXX  Signature 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 2024-09-23 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: CA

Complaint narrative:
Equifax is refusing to do a full investigation When I request a Dispute on fair collection out sourcing for the fraudulent amount {$4600.00} the next date the results still the same each time I dispute it I don't owe the fair collection and out sourcing anything I have not did anything business withe this company I have also ask for validation. With my full name 2.the amount transaction description.3. date and time 4. My full signature with the date all on one transaction. That {$4600.00} is a fraudulent I don't owe that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I requested for Chase to review I did not open this credit card. I did not have good enough credit score to even get approved for an {$11000.00} credit card. I file a fraud report showing I did not open this credit card. I asked for this card to removed from my credit report that I did not open this credit card. I don't even know who this account was opened online in person. I want some one to reach out to me about this matter. Doing this time I was hacked an have other accounts opened without my knowledge. The keep sending me settlement offers I feel I should not be responsible for this fraud account and want to get this resolved ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: NJ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my 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 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 2024-09-23 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: NC

Complaint narrative:
I was looking at my report and notice there were some things that was not correct. I sent a letter to Experian on XX/XX/year> and no response. Here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX. But it has been more than XXXX  days, Experian still haven't responded to my letter. That a violation of XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) Under XXXX XXXX XXXX ( a ) ( XXXX ) ( 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-09-23 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: WA

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 XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) states : 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 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 2024-09-23 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: WA

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 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 2024-09-23 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: MI

Complaint narrative:
I am submitting this complaint against XXXX, XXXX, and Equifax for inaccurately reporting late payments on my credit report for the accounts listed as XXXX, XXXX XXXX XXXX XXXX, and XXXX  XXXX. These reports are inaccurate and should be corrected, either by removing the late payments or updating the accounts as Paid as Agreed. 

Legal Basis : XXXX. Michigan Consumer Protection Act ( MCPA ), MCL 445.901 et seq.

Under the Michigan Consumer Protection Act ( MCL 445.903 ), the following unfair, unconscionable, or deceptive practices are prohibited : ( c ) Falsely representing that the consumer transaction involves consumer rights, remedies, or obligations. 

In this case, the credit reporting agencies are falsely representing my obligations by incorrectly reporting these late payments, damaging my credit history. 
2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The FCRA establishes the legal framework for credit reporting accuracy and consumer rights regarding disputing inaccurate information. Relevant sections include : 15 U.S.C. 1681i ( a ) This section requires credit reporting agencies to investigate disputes regarding the accuracy of information in a consumers file. I have disputed these inaccuracies with the credit reporting agencies, but they failed to correct the information.

15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX, XXXX, and Equifax failed to do so by reporting inaccurate late payments. 

XXXX. Michigan Collection Practices Act ( MCPA ), MCL 339.901 et seq.

The MCPA prohibits unfair and misleading collection activities, including making or threatening to make an inaccurate report to a credit bureau : MCL 339.915 ( e ) Prohibits making an inaccurate credit report on a consumers credit worthiness.

4. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Although the FDCPA applies more directly to debt collectors, the credit reporting of false information can be considered an unfair collection practice under certain circumstances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Bank Processing Delay : I made my payment on time, but the delay in processing by XXXX  XXXX XXXX led to the late payment being recorded. Attached is a copy of the bank statement showing the payment date. The delay was on the part of the bank and not due to any action on my side. 
Discrepancy in Due Date Communication : There was an inconsistency in the due date communication, which I raised with XXXX  XXXX XXXX. The discrepancy between the statements I received and the payment due date caused confusion. I have attached correspondence with the bank that acknowledges this discrepancy. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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