vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 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: PA

Complaint narrative:
My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in XXXX to be removed. 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. XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: LA

Complaint narrative:
I recently went through my credit report and saw some incorrect billing entries, especially late payments that aren't consistent with my regular payments. Please rectify these issues and update my 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 non-monetary relief
Consumer complaint received 2024-10-14 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : [ Todays Date ] TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Unauthorized Inquiries Dispute with FTC Identity Theft Report Dear TransUnion, I am writing to formally dispute the unauthorized inquiries listed on my credit report. These inquiries were made without my consent and are the result of fraudulent activity. As such, they should be removed from my credit file immediately. 

The unauthorized inquiries in question are : 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 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 XXXX XXXX  ] These inquiries have negatively impacted my credit score, and I request their immediate removal. I have included my FTC Identity Theft Report ( FTC Report ID : [ XXXX ] ) to support this claim. Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ) and remove the fraudulent inquiries.

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 2024-10-15 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-10-14 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: TX

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-10-14 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:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION O

F 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 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.

And according to 15 USC 1681s-2 they are suppose to 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 2024-10-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 

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 ( SHOULD NOT HAVE A BALANCE REPORTING ) XXXX Account Type : Installment I Account Type - Detail : Auto Loan Bureau Code : Individual In Account Status : Closed Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XXXX Balance : {$17000.00} No. of Months ( terms ) : 72 High Credit : {$37000.00} {$37000.00} {$37000.00} Credit Limit : Past Due : {$1800.00} Payment Status : Late 30 Days Late 30 Days Repossession Last Reported : XXXX XXXX XXXXXX/XX/XXXX Comments : Closed Customer disputed account - reported by subscriber. 
Involuntary Repossession Auto : reported by grantor Equifax, XXXX and XXXX is a financial institution by definition under that title. 1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The financial institution and the above companies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent whether it be non-verbal, verbal, written, implied or otherwise is revoked. 15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option. Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I found some inaccuracies on my credit report under 15 USC 16c-2. The inquiries mentioned were not authorized by me and are negatively affecting my credit. Please remove these unauthorized hard inquiries. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: MO

Complaint narrative:
Upon checking my consumer credit report I noticed several UNAUTHORIZED inquiries on my credit report to which I did NOT EVER give consent to. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. & 1681i ), unverified inquiries must be REMOVED. Please investigate and remove any unverifiable inquires!

ACCORDING to The Gramm-Leach-Bliley ACT ( GLBA ) enacted in 1999, is a U.S. law that requires financial institutions to establish privacy policies and practices, including informing consumers about their information-sharing practices. 


Upon reviewing my credit report, I noticed the following hard inquiries : 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 Thank you for your attention to this matter. I look forward to your prompt response confirming the removal of these unauthorized inquiries. If you need any further information from me, please do not hesitate to contact me at the phone number or email address listed above. 

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 2024-10-15 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: TX

Complaint narrative:
Accurate Reporting ( 15 U.S.C. 1681s-2 ) : The FCRA requires that all information reported to credit bureaus be accurate and complete. If a charge-off shows an incorrect balance or omits critical information ( such as ongoing litigation ), this may be a violation of the FCRA. Creditors and debt collectors must update credit reports to reflect any changes, including account status due to litigation.

Duty to Correct Inaccuracies ( 15 U.S.C. 1681i ) : Once an inaccuracy is disputed, the credit reporting agency and the furnisher ( creditor or collector ) are required to investigate and correct any inaccurate or incomplete information. Failing to do so violates the FCRA.

2. Fair Debt Collection Practices Act ( FDCPA ) False or Misleading Representation ( 15 U.S.C. 1692e ) : If the account is under litigation, reporting a balance without disclosing the status or inaccurately inflating the balance could be considered a misleading representation under the FDCPA. The law prohibits debt collectors from providing false or misleading information about the status or amount of a debt.

Unfair Practices ( 15 U.S.C. 1692f ) : Reporting a debt inaccurately or misleadingly during ongoing litigation can be seen as an unfair practice, as it may harm your credit score and make the debt appear worse than it is. 


XXXX XXXX  and XXXX XXXX are reporting account open and with a balance.

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 2024-10-15 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:
Accurate Reporting ( 15 U.S.C. 1681s-2 ) : The FCRA requires that all information reported to credit bureaus be accurate and complete. If a charge-off shows an incorrect balance or omits critical information ( such as ongoing litigation ), this may be a violation of the FCRA. Creditors and debt collectors must update credit reports to reflect any changes, including account status due to litigation.

Duty to Correct Inaccuracies ( 15 U.S.C. 1681i ) : Once an inaccuracy is disputed, the credit reporting agency and the furnisher ( creditor or collector ) are required to investigate and correct any inaccurate or incomplete information. Failing to do so violates the FCRA.

2. Fair Debt Collection Practices Act ( FDCPA ) False or Misleading Representation ( 15 U.S.C. 1692e ) : If the account is under litigation, reporting a balance without disclosing the status or inaccurately inflating the balance could be considered a misleading representation under the FDCPA. The law prohibits debt collectors from providing false or misleading information about the status or amount of a debt.

Unfair Practices ( 15 U.S.C. 1692f ) : Reporting a debt inaccurately or misleadingly during ongoing litigation can be seen as an unfair practice, as it may harm your credit score and make the debt appear worse than it is. 


XXXX XXXX  and XXXX XXXX are reporting account open and with a balance.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I REQUESTED DOCUMENTS FROM KHOLS / CAPONE AND WHAT METHOD WAS USED TO VERIFY MY ACCOUNTS. THEY NEVER PROVIDED ANY PROOF. THE ACCOUNT IS INACCURRATE AND ITS NOT REPORTING THE RIGHT BALANCE ON XXXX AND XXXX. THE DATE OPEN AND DATE OF LAST ACTIVITY ARE INACURRATE AND BALANCES ARE DIFFERENT. I HAVE SECURITY CREDIT REPORTING IN ACCURATE ON XXXX, XXXX, XXXX. DATE OPEN DATE OF LAST ACTIVITY. THIS IS A COLLECTION ACCOUNT. I HAVE ASKED FOR PROOF OF THIS ACCOUNT AND HOW IT WAS VERIFIED THEY NEVER SENT ME ANYTHING ON HOW IT WAS VERIFIED. THIS ACCOUNT IS REPORTING ON XXXX TWICE. XXXX XXXX XXXX IS REPORTING INACCURRATE DATE OF LAST ACTIVITY AND DATE OPEN. THEY NEVER SEND ANY DOCUMENTS ON HOW IT WAS VERIFIED. XXXX XXXX IS REPORTING INACCURRATE BALANCES AND DATE OPEN. THEY NEVER SEND OVER HOW THEY VERIFIED THE ACCOUNT. PLEASE HELP ME RESOLVE THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: TX

Complaint narrative:
Accurate Reporting ( 15 U.S.C. 1681s-2 ) : The FCRA requires that all information reported to credit bureaus be accurate and complete. If a charge-off shows an incorrect balance or omits critical information ( such as ongoing litigation ), this may be a violation of the FCRA. Creditors and debt collectors must update credit reports to reflect any changes, including account status due to litigation.

Duty to Correct Inaccuracies ( 15 U.S.C. 1681i ) : Once an inaccuracy is disputed, the credit reporting agency and the furnisher ( creditor or collector ) are required to investigate and correct any inaccurate or incomplete information. Failing to do so violates the FCRA.

2. Fair Debt Collection Practices Act ( FDCPA ) False or Misleading Representation ( 15 U.S.C. 1692e ) : If the account is under litigation, reporting a balance without disclosing the status or inaccurately inflating the balance could be considered a misleading representation under the FDCPA. The law prohibits debt collectors from providing false or misleading information about the status or amount of a debt.

Unfair Practices ( 15 U.S.C. 1692f ) : Reporting a debt inaccurately or misleadingly during ongoing litigation can be seen as an unfair practice, as it may harm your credit score and make the debt appear worse than it is. 


XXXX XXXX  and XXXX XXXX are reporting account open and with a balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from 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 explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have been sending in negotiable instruments to JP Morgan Chase for my credit card for several months now. They have signed for via registered mail and green return receipt and kept every instruments I sent to tender my obligation. I have reason to believe their practices constitutes securities fraud based on what their SEC filings state and the return of a securitized audit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WESTERN ALLIANCE BANCORPORATION
State: CA

Complaint narrative:
They will not allow me to withdraw my own money even to the linked funding account that has already been approved used to deposit into the account. When I messaged customer service about this, they told me I had to send an ID in order to withdraw my own money, which they had not said before and is not in any agreements. They are not giving me full access to my own money which is against regulations. I have sent my ID despite this actually not being needed and against the law, but even so, I still can't withdraw anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: CA

Complaint narrative:
I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

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