vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
My complaint to Chase was denied. Complaint ID Number : XXXX XXXXXXXX. They gave me confusing information about how much of my XXXX XXXX Credit Card I needed to pay off in order to avoid having any interest. I have always paid my entire balance in full but I called because I wanted to double check what was the minimum I needed to pay in order to a sois fees. Somehow I misunderstood and have been charged a total of {$240.00}. This is broken down into XX/XX/XXXX {$18.00}, XX/XX/XXXX {$76.00}, XX/XX/XXXX {$75.00}, and XX/XX/XXXX {$70.00}. Then I had a problem where my rent was late on XX/XX/year> costing me {$100.00} and on XX/XX/year> the bounce back from the system itself also cost me {$50.00}. Chase Bank Customer Service has stated they do not want to make this right. I explained to them I have a savings account with XXXX and could have easily transferred over money to pay my Credit Card. They asked me not to file with the CFPB and to give them time to figure it out and come back with a proper response for me. I called them today telling them how upset I was about what happened with my rent, how they charged me an extra {$150.00} and this was XXXX fault. They told me a letter had been sent and my claim has been denied. With the claim number I put up top. I have screenshots of all of this and dates. Please if you could help me I would really appreciate it as Chases error has cost me a total of {$390.00}. Thank you so much for your help. Call me anytime XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-09 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: CA

Complaint narrative:
I just want Experian to update my name bank already sent my updated name report to all three beuraus ... XXXX and XXXX already updated my name in submit my all documents to all of them but Experian is not updating it i called to their dispute department several times I already submitted the dispute they everytime take XXXX XXXX to update but nothing happens it's so frustrating

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 2024-12-09 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, XXXX, Equifax and XXXX credit reporting agencies, block information appearing on my consumer credit reports that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened aXXXX XXXX XXXX XXXX and a auto loan account opened at XXXX XXXX XXXX. These accounts have resulted in several fraudulent reports and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: TX

Complaint narrative:
The company charged off this account, filed it on their taxes, and did not send me a XXXX so that I could write it off as income. They are still reporting it as a charge-off on my credit report, indicating that I owe the balance, but they took a tax break. I am about to sue you for statutory damages because this is fraud. 

Account name- XXXX XXXX Account number - XXXX Responsibility Individual Date opened XX/XX/XXXX Status- Closed. {$680.00} written off. 
Status updated - XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Monthly payment {$0.00} Original balance {$660.00} Terms XXXX XXXX Account name XXXX  Account number XXXX Date opened XX/XX/XXXX Status- Account charged off. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance updated XX/XX/XXXX Terms XXXX XXXX On record until XX/XX/XXXX Account name XXXX XXXX Account number XXXX Account type Utility Date opened XX/XX/XXXX Status-Account charged off. {$650.00} written off Status updated XXXX XXXX Balance {$650.00} Balance updated XX/XX/XXXX Terms XXXX XXXX On record until XX/XX/XXXX 2030

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 2024-12-09 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-09 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: LA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PINNACLE RECOVERY, INC.
State: GA

Complaint narrative:
XXXX XXXX is attempting to collect a debt as a third party collector and is not entitled to any money from me regarding a previous account for XXXX XXXX XXXX for {$14000.00} which was a joint account. 

On XX/XX/year> I renegotiated a new contract with XXXX for {$7000.00} which is no longer a joint account with XXXX XXXX, this account is under my name XXXX XXXX and the first deposit for the renegotiated contract was on XX/XX/year> {$390.00} and my monthly payments is {$140.00}. This debt is also on my credit report and I have since been declined credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-09 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: VA

Complaint narrative:
i recenetly reviewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account i need you to verify as accurate XXXX XXXX XXXX ACCT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: TN

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Consumer XXXX : XXXX Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA XXXX ( XXXX U.S.C. XXXX ) that you : The Credit Reporting XXXX XXXX XXXX and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaintXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer XXXX Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My XXXX Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a XXXX XXXX, Identity Theft and XXXX. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA XXXX ( XXXX U.S.C. XXXX ) that you : The XXXX Credit XXXX XXXX XXXX XXXX and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving said complaint. I request that all written confirmation ( XXXX ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -A Letter formally detailing the information of my dispute -Copy of US Issued ID XXXX Proof of Identity ) -Copy of a SSN ( Proof of Identity ) -FTC ( Federal Trade Commission ) Identity Theft 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 non-monetary relief
Consumer complaint received 2024-12-09 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: OH

Complaint narrative:
Hello, I have recently disputed errors on my credit report with Experian and realized the errors on my credit report still exist. The accounts were Verified but no proper verification was provided. I have listed the accounts below that still have multiple errors and inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I sent a letter to Experian, explaining the illegal errors and inaccuracies being reported. I requested they delete the inaccurate accounts or provide Verification, but I have not received any proper verification in a timely manner.

I understand this is a direct violation of my rights via 15 USC 1681i ( a ) ( 1 ) ( A ). I request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation.

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 2024-12-09 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: CA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$3400.00} Account Name : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$3400.00} Account Name : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$1800.00} Account Name : XXXXXXXX XXXX XXXX XX/XX/XXXX - Balance : {$2400.00} Account Name : XXXXXXXX XXXX XXXX XX/XX/XXXX - Balance : {$3300.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$2200.00} Account Name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$7100.00} Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX - Balance : {$37000.00} Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$26000.00} Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$3000.00} Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$14000.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$10000.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded 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
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
I sent Source Receivables Management a validation letter to provide proof that I owned the alleged debt they are claiming I owe! Also proof that they own the debt and their license in my state of Illinois to collect. They just sent a bunch of Statements that doesnt prove that I own this Alleged debt. They also put it on my credit report before sending me a letter to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
I am writing to formally dispute multiple fraudulent accounts, collections, and inquiries that have appeared on my consumer credit report, all of which are the result of identity theft and fraud. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that these fraudulent items be blocked from my credit report within four business days of your receipt of this complaint. 

The fraudulent and inaccurate information includes the following : Personal credit card at XXXX XXXX  ( opened XX/XX/XXXX ) Auto loan at XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ) Account at XXXX XXXX  ( opened XX/XX/XXXX ) Account at XXXXXXXX XXXX ( opened XX/XX/XXXX ) Fraudulent inquires at XXXX XXXXXXXX and XXXX  These fraudulent accounts have resulted in unauthorized hard inquiries and collections appearing on my credit report. I do not recognize these accounts, inquiries, or collections, and they were not opened, made, or initiated by me. 

As evidence of identity theft, I have attached the following : A copy of my FTC Identity Theft Criminal Complaint ( XXXX XXXX XXXXXXXX A copy of my consumer credit report highlighting the fraudulent items A list of unauthorized hard inquiries related to these fraudulent accounts Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), you are required to investigate these fraudulent items, block them permanently from my file, and cease any collection activities related to them. 

I expect prompt action on your part to remove these fraudulent accounts, inquiries, and collections. Additionally, I request a description of the procedures used in your investigation, as well as any documentation from creditors related to these accounts. 

Failure to comply with my request within the legal timeframe will compel me to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory authorities. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of your progress in resolving this dispute. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
At this time I do not wish to be contacted by phone, only by mail for this listed creditor. I am also requesting an accounting of indebtedness I owe, so that I can make a solid single payment offer to settle the business between the parties. This is an official cease and desist all communications except by regular mail or through my email listed within the CFPB portal. 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 2024-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am writing in reference to the debt I owe to you, amounting to [ {$2700.00} ], for [ credit card AMEX XXXX ending XXXX ]. I am issuing a Bill of Exchange as a negotiable instrument for the payment of this debt in accordance with the provisions of the Negotiable Instruments Act, 1881.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: OH

Complaint narrative:
I am filing this complaint regarding three violations of the Fair Credit Reporting Act ( FCRA ) : 1. A car dealership submitted my loan application to multiple banks without my explicit consent, leading to numerous unauthorized hard inquiries on my credit report.

2. TransUnion refused to investigate my dispute regarding these unauthorized inquiries when I reported them in writing and via their text communication system. A TransUnion representative stated that disputes must be mailed in and that I would need to contact each creditor myself to resolve the matter. This contradicts the requirements under the FCRA, which mandates that consumer reporting agencies investigate disputes regardless of the method by which they are submitted.

3. TransUnion placed a fraud alert on my credit report without my explicit request or authorization.

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