vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: HI

Complaint narrative:
Section 605B of the Fair Credit Reporting Act ( FCRA ) allows consumers to block fraudulent information from their credit reports when they are victims of identity theft. Heres a quick overview of how it works : Identity Theft Report : If someone is a victim of identity theft, they can file an identity theft report, typically through the FTC 's website or a police department. This report provides evidence to the credit bureaus.

Request to Block Information : With the identity theft report in hand, the consumer can then request that the credit bureaus block specific fraudulent information from their credit report. This information may include accounts opened fraudulently, unauthorized charges, or other erroneous data resulting from identity theft. 

Credit Bureau Obligations : Once a credit bureau receives this request and a valid identity theft report, it is required to block the fraudulent information within four business days. This ensures that the fraudulent account or data does not impact the consumer 's credit score. 

Limitations : Credit bureaus can refuse or rescind a block under certain circumstances, such as if the identity theft claim is fraudulent or if additional verification indicates the information is accurate.

By filing under Section 605B, consumers can protect their credit scores and financial records from the long-term effects of identity theft.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I paid off my JP Morgan chase credit card debt in full. They never deleted it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: IN

Complaint narrative:
After examining my latest credit report, I noticed several accounts that appear to have been added without authorization and seem inaccurate. I ask for these fraudulent accounts to be blocked and removed right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: SC

Complaint narrative:
The following accounts were opened fraudulently using my information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; and XXXX XXXX XXXX XXXX XX/XX/XXXX. The following inquires were also made : 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. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported, those accounts, collections, or hard inquiries were not opened, made, or initiated by me. These accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission. In accordance with 15 USC 1681 c-2 c ( a ) and section 605B of the Fair Credit Reporting Act, it is imperative that you, as a credit protection agency , take immediate action to block and remove all information associated with this identity theft from my credit report. This statue mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: SC

Complaint narrative:
The following accounts were opened fraudulently using my information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; and XXXX XXXX XXXX XXXX XX/XX/XXXX. The following inquires were also made : 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. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported, those accounts, collections, or hard inquiries were not opened, made, or initiated by me. These accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission. In accordance with 15 USC 1681 c-2 c ( a ) and section 605B of the Fair Credit Reporting Act, it is imperative that you, as a credit protection agency , take immediate action to block and remove all information associated with this identity theft from my credit report. This statue mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes fraudulent information.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
For many years, I have been unable to login to Equifax. I can not see my Equifax credit report, and more importantly, I can not create and manage a freeze of my equifax credit report. 

XX/XX/year>, I was told that I can not create a new account because I already have an account, and I was told to sign in, and click to reset my password. When I tried to reset my password, I was told, We are temporarily unable to complete this request. Please try again later. 

XX/XX/year>, I had the same experience. I could not sign in, with Equifax saying that my email/password was wrong. Then I tried to create an account, and was told there was already an account for that email address. I was prompted to sign in again. Then I was told to leave and come back later. 

The problem is that I can not see my Equifax credit report, and more importantly, I can not create and manage a freeze of my equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Fraudulent accounts and information have been added to my credit report through identity theft. I have filed police reports and identity theft documentation. Your continued reporting of these unauthorized items violates federal identity theft protection laws.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Fraudulent accounts and information have been added to my credit report through identity theft. I have filed police reports and identity theft documentation. Your continued reporting of these unauthorized items violates federal identity theft protection laws.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Requesting for all 3 Credit Agencies to update my Personal Information. It appears that as of 30 days ago my legal name XXXX XXXX is not listed on my credit report. As if an unauthorized individual hired a 3rd credit agency to update my personal information without my consent. I do not work with any 3rd party credit agency to resolve any credit issues. I personally work on my own credit disputes. It appears that someone has access to my personal information and tampered with my credit and personal information. I need my credit report to reflect my legal last name since I am still currently married and have not changed my legal name. It remains as is XXXX XXXX. All other XXXX are listed such as XXXX XXXX. The credit agencies received numerous disputes to resolve this issue. The credit report must be accurate to cross reference marital legsl name and birth name. Please notify all 3 credit agencies to update and resolve the names that are listed which the credit report should reflect XXXX XXXX, XXXX XXXX and last but not least which is the current legal name XXXX XXXX. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Requesting for all 3 Credit Agencies to update my Personal Information. It appears that as of 30 days ago my legal name XXXX XXXX is not listed on my credit report. As if an unauthorized individual hired a 3rd credit agency to update my personal information without my consent. I do not work with any 3rd party credit agency to resolve any credit issues. I personally work on my own credit disputes. It appears that someone has access to my personal information and tampered with my credit and personal information. I need my credit report to reflect my legal last name since I am still currently married and have not changed my legal name. It remains as is XXXX XXXX. All other AKA are listed such as XXXX XXXX. The credit agencies received numerous disputes to resolve this issue. The credit report must be accurate to cross reference marital legsl name and birth name. Please notify all 3 credit agencies to update and resolve the names that are listed which the credit report should reflect XXXX XXXX, XXXX XXXX and last but not least which is the current legal name XXXX XXXX. 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 2024-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a check from Wells Fargo for {$2400.00} and it stated due to an error made in a loan modification. On the letter it says if you feel its not enough, I could go in to mediation. I called and asked what was the error and I was told to fill out the form for mediation but I dont know exactly why Im going to mediation because XXXX told me after further investigation they should have only done {$1800.00} on that check and I asked him what the error was and XXXX told me he was not sure, he cant tell me the exact reason or any numbers but offered me {$1000.00} for my time and not go to mediation. That makes no sense. Wells Fargo needs to give me numbers

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have several accounts on my credit report that need to be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
I went in to get oil change on previous car and was approached by sales person while waiting for car to be completed. As he began talking I told him I wasnt interested in a new car. Im almost through paying off car I have. He was very persistent and finally brought over his boss. He began to tell me that my warranty had ended and how much trouble it would be to keep up maintenance. That they would pay for my visit there, I wouldnt have to make a payment for 6 months and how I was over charged for previous car. They showed me cars and as I continued to listen I trusted them. They asked to run my credit which I let them. They asked me if I got another car now I would like it to be. Lower payments and less years. They only told me price range but never told me about the loan or the price of car. When it was time to close I still wasnt given price of either. I received letters from companies that decline offers sent and thats how I found out price. I went back to dealership and told him that He didnt tell me price of car or loan amount, had I known I would not have signed paper and I trusted him. The only thing he said was he was sorry. I told him that I believe they took advantage of me and I trusted him. I have my grandchildren to take care of now stress about this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XXXX report # XXXX was creating having them remove this false credit reporting from my credit on XXXX. 

This company Barclays continues to constantly reporting this fraudulent account to my XXXX and XXXX reports. I have previously submitted police reports, and all documentation that proved previously that this account is not mine and they have had to remove this on the past. 

on XXXX they again reported this account to my reports after 5 years and previous resolutions that had proved that this account is not mines and that it is a result of identity theft. 

I have also tried to contact them requesting information and evidence without any luck at this point they are not even able to locate me in their system.

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 2024-10-29 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:
Subject : Dispute of Verification Results and Request for Full Validation Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB Representative, I am writing to dispute the recent verification results regarding an account with XXXX. Despite my request for validation under the Fair Credit Reporting Act ( FCRA ), the verification provided lacked the necessary documentation to confirm this account belongs to me. Since I am a XXXX, I demand physical evidence linking me to this account to prevent potential errors. 

Below are the details of the account in question : Account Information : XXXX  Account Number : XXXX ( XXXX, Experian ) Credit Bureaus : XXXX, Experian , XXXX Account Status : Collection/Charge-off Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Balance : {$240.00} Credit Limit : {$1100.00} Payment Status : Collection/Charge-off Last Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor Requested Validation : A copy of the original agreement or contract bearing my signature. 
Documentation verifying my involvement with this account beyond the basic details listed in the report. 
If the creditor can not provide these documents, I request that this account be removed from my credit report immediately. 

Personal Information : Name : XXXX XXXX XXXX XXXX. 
Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX Please provide a prompt response with the requested information or confirm that this account will be removed from my report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA 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 2024-10-29 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: IN

Complaint narrative:
Checking my latest credit report, I found several accounts that appear unauthorized and incorrect. I request urgent action to block and delete these fraudulent accounts.

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 2024-10-29 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: MO

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 explanation
Consumer complaint received 2024-10-29 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: NJ

Complaint narrative:
I looked at my report XXXX of XXXX and noticed some things are incomplete and not accurate. According to 15 USC 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure XXXX possible accuracy of the information concerning the individual about whom the report relates. I ask for a reinvestigation of these accounts listed below, XX/XX/XXXX XXXX XXXX XXXX # XXXX is a charge off account, The IRS said a cancellation of debt over {$600.00} is considered income and income CAN NOT be reported on my report. Also this is reporting every month as a charge off, and this account was closed XX/XX/XXXX way before it was in charged off. XXXX XXXX XXXX  # XXXX account was paid and closed, there are several in accuracies there as well. I got the investigation back but noticed nothing was modified or updated, I requested a description of the investigation and they did not provide it to me which violates 15 USC 1681 i ( 7 ). I asked for the method of validation i.e, certified receipt with my signature, phone conversation, or email giving me proper notification of debt. Also the certification of authenticity of the debt.

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 2024-10-29 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: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I noticed an inquiry from your company that I don't recognize. Please send me all info you have and the reasoning for this credit pull

Company response to consumer: Closed with explanation