vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  ACCT. # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT XXXX XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX, XXXX  ACCT # XXXX, XXXX  ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXXXXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX. ACCT # XXXX, XXXX XXXX XXXXXXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I did not received legible documentation and chase has said they communicated to us and our attorney about the fraud, but they havent. Chase XXXX is lying through documents they have provided about communicating to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I signed up for a Best Buy credit card ( provided via Citi Bank ) about two years ago. I got this card because they advertised a low APR & monthly payments. According to what they showed me at the time of signup, my monthly payments were only supposed to be {$29.00} a month. Today ( XX/XX/23 ) I found out theyre trying to jack my monthly payments up to {$89.00} a month. I recently became unemployed, and can not afford that. I told them this is not the monthly payment plan I signed up for, and they tried telling me that the monthly payment can fluctuate. This is not what I signed up for, and I would not have gotten or used the card if I knew they were going to try and pull something like this.

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 2023-09-30 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: LA

Complaint narrative:
Fruad Charges were made on my master card. I disputed the charges and they rermoved but before they were removed i was turned for late payments to the 3 credit bureau 's. 
XXXX and XXXX has removed the late payment, but Experian refuses to remove them which is affecting my credit.

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 2023-09-30 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: MO

Complaint narrative:
In accordance with Fair Credit Reporting act the list of accounts below have violated my federally protected consumer rights and privacy and confidentiality under 15 USC 1681. I have the right to privacy. 15 USC 1681 section 604 A section 2 it states a consumer reporting agency account can not furnish an account without written instructions. No consumer reporting agency may take any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more then seven years. ( XXXX XXXX ) And ( XXXXXXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 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:
In accordance with Fair Credit Reporting act the list of accounts below have violated my federally protected consumer rights and privacy and confidentiality under 15 USC 1681. I have the right to privacy. 15 USC 1681 section 604 A section 2 it states a consumer reporting agency account can not furnish an account without written instructions. No consumer reporting agency may take any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more then seven years. ( XXXX XXXX ) And ( XXXX XXXX  )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX  Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX  Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXXXXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX  Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023XXXX XXXX XXXX  Date of inquiry : XX/XX/2023, XXXX XXXX  Date of inquiry : XX/XX/2023, XXXXXXXX XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX XXXX  Date of inquiry : XX/XX/2023, XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/2023, XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX  Date of inquiry : XX/XX/2023, XXXX XXXX  Date of 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 2023-09-30 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 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: CO

Complaint narrative:
Subject : Dispute of Credit Reporting Error XXXX XXXX Account To Whom It May Concern, I Will allow No Longer than 20 days for the Negative Remark to be Removed From My Consumer Report before Pursuing Legal Action. 

I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding a credit reporting error related to my XXXX XXXX account. The account is inaccurately reporting a balance of {$33.00} when, in fact, the account has a recorded balance of {$0.00} out of a {$1000.00} limit. This discrepancy is not only misleading but also fraudulent, and I am prepared to file an FTC report to support this claim if necessary. 

Account Information : Account Holder Name : XXXX XXXX Account Number : [ Account Number ] Balance as Per Account : {$0.00} XXXX XXXX : {$1000.00} The credit reporting error in question pertains to my XXXX XXXX account. Despite the account reflecting a {$0.00} balance and being well below the credit limit, it is inexplicably reporting a balance of {$33.00}. This erroneous reporting has negatively impacted my credit score and financial standing. I have attached supporting documentation, including a screenshot of the account summary, to this dispute for your reference. 

I am deeply concerned about the fraudulent reporting of this account balance, which could potentially harm my creditworthiness. In light of this, I kindly request that the CFPB intervenes to facilitate the following resolution : 1. Immediate Correction of Reporting Error : XXXX XXXX must promptly correct the erroneous reporting of the account balance, ensuring it accurately reflects a {$0.00} balance as indicated in my account records. 

XXXX. Cease Negative Reporting : XXXX XXXX should immediately cease any negative reporting associated with this account. Negative reporting, including delinquency or late payment indicators, should be removed. 

XXXX. Confirmation of Corrected Reporting : XXXX XXXX must provide written confirmation to me within 30 days of receiving this dispute and resolution request, affirming that the account has been accurately reported with a {$0.00} balance and that any negative reporting has been removed. 

If necessary, I am prepared to file a report with the Federal Trade Commission ( FTC ) to support my claim of fraudulent reporting. However, I hope to resolve this matter amicably and promptly through the CFPB 's intervention. 

I trust that the CFPB will investigate this issue and ensure that XXXX XXXX complies with the applicable regulations and guidelines governing accurate and fair credit reporting. I kindly request that you acknowledge the receipt of this complaint and keep me informed of any actions taken to address this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: FL

Complaint narrative:
On XX/XX/11 someone used my information to try and obtain a credit card from XXXX XXXX. I reached out to XXXX and the only information that they provided was someone try to get the card but couldnt verify the information matching my credit report so they were unable to open the account. However, the hard inquiry is still on my report affecting my credit score.

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 2023-09-30 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: WI

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to XXXX party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

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 2023-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
There is a banking app called " Chime '' that someone used my personal information to make their account. I can confirm they used their own phone number, but used my name and email. It is attached to their bank account and I get emails about payments and card declines regularly. Given this is fraud, and someone is using my identity- I've called Chime multiple times to have the account closed. They are either overseas and can not understand the request, or simply do not have the resources to investigate fraud of their own accounts. They have not helped me and do not know what to do so they hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: CA

Complaint narrative:
there accounts are erroneous and inaccurate these frivolous accounts are not mines and needs to be removed asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX - Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Account Name : XXXXXXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX, XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX  Account # XXXX The above referenced accounts either are completely incorrect in terms of payments dates/or balance updates. Additionally, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX is an account that I have never signed ANY agreements for or personally had services from. These accounts have just been updating balances through each dispute to stay on report. ALL account dates and info is incorrect. 

Examples include Account Name : XXXX XXXX - Account # XXXX, I do not have this account and it clearly states my last payment was well over 2 years ago but the account still shows as " open '' 15 U.S.C. 1681 section 602 A, states that I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
I went to the hospital and was discharged on the same day, XX/XX/2023. Preferred Collection Management Services , Inc. contacted me via mail on XX/XX/2023. This is well after the five days they should have reached out, which means they are in violation. I received mail from Preferred Collection and Management Services , Inc., stating they were collecting my debt. I called the original creditor, XXXX XXXX XXXX, and filled out documents requesting financial assistance. I qualified for assistance and got my debt reduced by 90 %. So the original debt of {$5200.00} turned into {$520.00}. 

I requested a debt validation letter in XX/XX/2023 and received mail on XX/XX/2023. The letter stated I still owed the {$5200.00} when the information they provided and obtained from the hospital clearly said I didn't anymore. I now owe just the adjusted amount of {$520.00}. This is a false collection. And they can't say it isn't because they even sent me documentation saying I no longer owe that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: GA

Complaint narrative:
I am writing to file a formal complaint against Experian for their failure to properly investigate and rectify inaccurate and missing information on my credit report. Despite multiple attempts through letters and online disputes, Experian has consistently verified inaccurate information without conducting a thorough investigation. It appears that they are biased towards creditors ' claims and do not independently verify the accuracy of reported data, as required by the Fair Credit Reporting Act ( FCRA ). 

One particular account, the XXXX XXXX account, is a primary concern. This account is riddled with discrepancies, including missing payment history, balance history, and all historical information. Furthermore, the date of first delinquency for this account varies across the three credit bureaus, indicating a significant problem with the accuracy of the information being reported. 

The FCRA clearly stipulates that credit reporting agencies must ensure the information they report is complete, verified, and accurate. However, despite providing evidence to support my dispute, Experian has ignored this evidence and continues to report inaccurate data. 

I am deeply concerned that Experian 's practices are not in line with the FCRA 's requirements. It appears that Experian may be favoring the word of creditors over the interests of consumers, making it exceedingly difficult for consumers like myself to dispute and correct inaccurate items on their credit reports. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly to ensure Experian complies with the FCRA and takes the necessary steps to rectify the inaccuracies on my credit report. These inaccuracies are not only detrimental to my financial well-being but also violate my rights as a consumer. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue. Please do not hesitate to contact me should you require any further information or documentation to support this complaint.

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