vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
**Subject : ** Request for Verification of Credit Reporting in Compliance with the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally request verification of the accuracy of the information you have reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation to verify the accuracy of any disputed information.

I recently reviewed my credit report and identified information that I believe may be inaccurate or unverifiable. I am requesting that you provide me with the following : 1. **Details of the Investigation Process** : Please explain how you verified the accuracy of the disputed information, including the specific methods and steps taken during your investigation.

2. **Source of the Information** : Provide the name, address, and contact information of the creditor, data furnisher, or any entity that supplied the information in question. 
3. **Documentation Used** : Share any documentation or evidence obtained from the furnisher of the information to support its accuracy.

The FCRA mandates that all information reported must be accurate, complete, and verifiable. If you are unable to provide sufficient evidence to verify the disputed information, I request that it be removed from my credit file immediately.

Please respond to this request within 30 days, as required by law. Failure to comply with this request may result in further action to enforce my rights under the FCRA.

I have included a copy of my credit report with the disputed items highlighted for your reference. Additionally, I have enclosed copies of my identification and proof of address to verify my identity. 

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

Sincerely, XXXX XXXX **Enclosures** : - Copy of credit report with disputed items highlighted - Copy of government-issued ID - Proof of address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
**Subject : ** Request for Verification of Credit Reporting in Compliance with the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally request verification of the accuracy of the information you have reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation to verify the accuracy of any disputed information.

I recently reviewed my credit report and identified information that I believe may be inaccurate or unverifiable. I am requesting that you provide me with the following : 1. **Details of the Investigation Process** : Please explain how you verified the accuracy of the disputed information, including the specific methods and steps taken during your investigation. 
2. **Source of the Information** : Provide the name, address, and contact information of the creditor, data furnisher, or any entity that supplied the information in question.

3. **Documentation Used** : Share any documentation or evidence obtained from the furnisher of the information to support its accuracy.

The FCRA mandates that all information reported must be accurate, complete, and verifiable. If you are unable to provide sufficient evidence to verify the disputed information, I request that it be removed from my credit file immediately.

Please respond to this request within 30 days, as required by law. Failure to comply with this request may result in further action to enforce my rights under the FCRA. 

I have included a copy of my credit report with the disputed items highlighted for your reference. Additionally, I have enclosed copies of my identification and proof of address to verify my identity. 

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

Sincerely, XXXX XXXX **Enclosures** : - Copy of credit report with disputed items highlighted - Copy of government-issued ID - Proof of address

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: IL

Complaint narrative:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: WA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on account I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i have attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. 
Thank you for understanding and promp 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 explanation
Consumer complaint received 2024-12-18 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:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: MN

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MO

Complaint narrative:
On XX/XX/XXXX, check # XXXX was written to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the amount of {$130.00}. This check was intercepted internally within the Postal Service and has since had two fraudulent checks created from the banking information on the original check. 
Fraudulent check # XXXX was written on XX/XX/XXXX in the amount of {$8100.00} to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This check was cashed at a XXXX  XXXX XXXX. To note : when endorsed, subject spelled the name incorrectly as XXXX XXXX. 

Fraudulent check # XXXX was written on XX/XX/XXXX in the amount of {$16000.00} to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This check was deposited at a PNC Bank. 

The fraudulent checks were written cumulative in the amount of {$24000.00} which we have yet to recover as both banks are trying to deny any type of liability. The reason given by both banks is that the liability was not caught by us within 24 hours of the withdrawal. As a small business, as well as a banking industry, there has to be a better way to protect ourselves to these types of crimes. Any assistance in the recovery of these funds as well as the prosecution of the involved parties would be the most favorable conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: WV

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: WI

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my XXXX  history of meeting deadlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am one of the millions of people whose identifying information was compromised by Equifax. As a small compensation, I participated in the class action and learned that rather than receive a cash equivalent, the Equifax settlement money would be delivered by a XXXX debit card. I was required to release a lot of personal information to access a small amount of money. I tried to use the card multiple times online, which was the only way it could be spent, and it was repeatedly rejected by multiple stores. Also, the notice said I was entitled to an " additional '' payment but I do not remember receiving the first. 

Here is the notice of payment : Dear XXXX  : The Equifax Data Breach Settlement Agreement says any remaining funds in the Consumer Restitution Fund will be distributed to Settlement Class Members with valid claims. 

You have a valid claim and are eligible for an additional payment. It will be sent to you by electronic pre-paid card. 

You will receive an email from XXXX the week of XX/XX/year> with instructions to redeem your electronic pre-paid card. 

For more information about the Settlement, please visit the Settlement Website at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
Applications were made in my name, which has seriously harmed my credit and credit score. I contacted Equifax, and their representative assured me that these fraudulent inquiries would be removed. However, I still see them on my credit report. This situation is causing me significant distress, as these unauthorized inquiries not only damage my credit but also suggest potential identity theft. It is crucial that these fraudulent inquiries be removed from my credit report immediately to prevent further harm to my financial standing and alleviate the XXXX  this situation has caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: NV

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am writing to file a formal complaint against JPMorgan Chase & Co. regarding unauthorized and fraudulent charges made to my account. I contacted Chase customer service on XX/XX/year>, to report fraudulent transactions totaling {$2900.00}, which I did not authorize. Despite providing Chase with the name of the individual whom I believe may have made these charges, I have not seen the proper resolution or reimbursement for these transactions. 

As a primary user of XXXX XXXX, I do not regularly use my physical Chase card for purchases. The unauthorized transactions were made through my account without my consent. I have complied with all necessary steps to identify and dispute these charges, including promptly reporting the fraud, but I have not received the expected remedy.

Chase has not returned the disputed funds in accordance with XXXX XXXX XXXX XXXXXXXX policy or their own Terms and Conditions, both of which guarantee protection for unauthorized charges. Under these policies, I am entitled to a full refund for charges made without my authorization. The lack of response and the ongoing delay in reimbursing me is causing me financial hardship and frustration. 

I am requesting the following actions : Immediate reimbursement of the {$2900.00} in fraudulent charges to my account.

A full investigation into the disputed transactions and a final resolution in compliance with XXXX XXXX  XXXX policy and Chases Terms and Conditions. 
Clear communication from Chase regarding the status of my case and steps being taken to resolve this issue.

I trust the Consumer Financial Protection Bureau ( CFPB ) will investigate this matter and help ensure that Chase complies with the relevant consumer protection laws. I look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This debt was paid in in full and a debt consolidation company and the balance was paid in full and theyre saying it wasnt on the credit port. It says charged off, but wasnt taken off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WI

Complaint narrative:
I pulled my credit report and i seen this company has reported an account to my reports that I have no knowledge of- this is not my account at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: IN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: IN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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