vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 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: IL

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone XXXX have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-09-26 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: MD

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them 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 2024-09-26 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: MD

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them 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 2024-09-26 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:
XXXX in a constant dispute with this account information called XXXX XXXX XXXX  the information violates my rights as a consumer the account continues to report in the year of XXXX which The state of texas the information as the right to report for only 4 years its past the statue of limitations if this inaccurate information continues to report I will have result in ligation. This has majorly impacted my ability to obtain credit, I have requested information and have not received documentation supporting this account as well.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the following inaccurate information contained in my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ). Upon reviewing my credit report, I found inaccurate information that is both incomplete under the standards set by the FCRA. Additionally, the account ( s ) in question are not reported in accordance with Metro 2 guidelines, which are essential to maintaining accuracy and compliance across all credit reporting agencies. 
# # # Disputed Information : - *Creditor Name : '' ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : '' XXXX BALANCE : {$520000.00} - *Nature of Dispute : ** incorrect payment history. 
inaccurate balance and Non-Compliant The Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information '' they include in a credit report. The disputed information mentioned above does not meet the standard of " maximum possible accuracy. '' Furthermore, please ensure that the creditor in question complies with 15 U.S.C. 1681s-2 ( b ), which obligates them to report accurate information to the credit reporting agencies and correct any error i found.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the following inaccurate information contained in my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ). Upon reviewing my credit report, I found inaccurate information that is both incomplete under the standards set by the FCRA. Additionally, the account ( s ) in question are not reported in accordance with XXXX XXXX guidelines, which are essential to maintaining accuracy and compliance across all credit reporting agencies. 
# # # Disputed Information : - *Creditor Name : '' ( XXXX XXXX XXXXXXXX XXXX XXXX  - " Account Number : '' XXXX BALANCE : {$520000.00} - XXXX XXXX XXXX XXXX ** incorrect payment history. 
inaccurate balance and Non-Compliant The Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information '' they include in a credit report. The disputed information mentioned above does not meet the standard of " maximum possible accuracy. '' Furthermore, please ensure that the creditor in question complies with 15 U.S.C. 1681s-2 ( b ), which obligates them to report accurate information to the credit reporting agencies and correct any error i found.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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:
I am writing to formally dispute the following inaccurate information contained in my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ). Upon reviewing my credit report, I found inaccurate information that is both incomplete under the standards set by the FCRA. Additionally, the account ( XXXX ) in question are not reported in accordance with XXXX XXXX guidelines, which are essential to maintaining accuracy and compliance across all credit reporting agencies. 
# # # Disputed Information : - *Creditor Name : '' ( XXXX XXXXXXXX XXXX XXXX XXXX - " Account Number : '' XXXX BALANCE : {$520000.00} - XXXX XXXX XXXX XXXX  ** incorrect payment history. 
inaccurate balance and Non-Compliant The Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information '' they include in a credit report. The disputed information mentioned above does not meet the standard of " maximum possible accuracy. '' Furthermore, please ensure that the creditor in question complies with 15 U.S.C. 1681s-2 ( b ), which obligates them to report accurate information to the credit reporting agencies and correct any error i found.

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 2024-09-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized transactions from my Chase bank account related to a fraudulent account registered with XXXX XXXX. 

Recently, I discovered that someone created an account in my name on XXXXXXXX XXXX and transferred over {$450.00} from my Chase bank account without my consent. While I was in XXXX, I could not access my XXXX email to view notifications regarding these transactions. I only became aware of the issue upon my return to the U.S. on the XXXX. 

The account was registered using a XXXX phone number, which is not mine, and I can not log in to resolve the issue due to XXXX XXXX XXXX two-factor authentication process. Despite contacting their customer support, I was unable to gain access as I could not answer the required security questions. 

Chase Bank is also aware of my situation ; however, they have refused to assist me in recovering my funds, citing the nature of the transactions. This is particularly frustrating given that I was not in a position to log into foreign applications while abroad. 

I request your assistance in addressing this matter, recovering my lost funds, and ensuring that consumer protections are upheld in situations involving fraudulent activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-26 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: WA

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Having closely analyzed my current credit report, I've come across various accounts that I suspect are incorrect and were included without my knowledge.

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 2024-09-26 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: NV

Complaint narrative:
I discovered that I was a victim of identity theft a few months ago. Apparently my card was swiped at a gas station and someone got a hold of my identity and started using it to open accounts. I didn't even realize it because I wasn't really using my credit for anything at the time. Until I went to have my mortgage refinanced and my lender told me I couldn't do it because of my score. I had XXXX scores before, so when my lender told me I was a XXXX something I knew something was off. After reviewing the details, I sent in paperwork and a police report to the creditors and the credit bureaus already but I haven't seen any changes to my reports. I even had one of the fraudulent creditors try to take me to court. So I am submitting a request into you guys to see if that helps speed up the process as I do need to refinance my home and my car lease expires soon and don't think it's fair for me to be sued for a debt that I did not even open.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: FL

Complaint narrative:
I have reported this issue to the Cfpb once before back on XX/XX/XXXX and my case was closed and never heard anything from anyone. I just received a call from the department of education since I have filed several complaints about the department of education, Mohela, borrowers of defense, the ombudsman department, and now XXXX regarding my loan discharge. I was part of a lawsuit against XXXX XXXX and I was approved 100 % - full loan discharge since XX/XX/XXXX. XXXX of my loans were discharged but the other XXXX Mohela refuses to investigate. Now my loans were transferred to XXXX in XX/XX/XXXX and Im having more problems with the reporting of my loan to the credit bureau. All My complaints are being deleted from all the different portals and my account is still not being resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: GA

Complaint narrative:
I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically debt bondagewhich falls under trafficking as defined by the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage. 
According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from 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 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

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 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After a detailed review of my recent credit report, I've identified multiple accounts that appear to be inaccurate and were added without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phillips & Cohen Associates, Ltd.
State: FL

Complaint narrative:
I recently received a notice from Phillips & Cohen Associates , Ltd., a debt collection agency, stating that they are trying to collect a debt from me that I owe to XXXXXXXX XXXX  XXXX. This is wrong, as I have never opened an account or had any dealings with XXXXXXXX XXXX XXXXXXXX. Also, the address and name associated with this account is not mine, which clearly indicates identity theft. This situation violates my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which protect against false reporting and collection of debts that do not belong to me. I request that XXXX XXXX XXXX XXXX, XXXX stop this issue, stop all collection activities, and remove this fraudulent debt from my records immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax 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 : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX 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 : The payment in question was made on time, as evidenced by the attached bank statements and payment confirmation receipts.

There may have been a clerical error in reporting the payment due to inconsistencies between my payment records and the reported information. 
I have confirmed with my creditor that the payment was processed within the allowed grace period. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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 XXXX, 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 response to consumer: Closed with non-monetary relief