vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: IL

Complaint narrative:
I need your support with the incorrect account being reported on my credit report. This concern is damaging to my reputation as a customer, and I need your help in resolving it. These accounts must be removed since they are reported inaccurately and reflect negatively.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.

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 2024-11-15 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: IL

Complaint narrative:
Despite multiple complaints, my credit report still reflects inaccurate accounts that are tied up in litigation. I am outraged by the lack of attention to this issue, which is seriously harming my financial standing

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: NC

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. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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. List all 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 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX Subject : Complaint Regarding Closure of Chase Sapphire Card Account Dear Consumer Financial Protection Bureau XXXX XXXX am writing to formally file a complaint against Chase Bank regarding the unexpected closure of my Chase Sapphire credit card account. This account was closed despite my diligent payment history, including payments totaling over {$6000.00} during XXXX and XXXX alone, far exceeding my monthly statement amount. Since XX/XX/XXXX, I may have been late on one or two payments, but my intention has always been to maintain good standing. I only have a XXXX XXXX balance on my credit limit of {$5000.00}. I was unaware of any issues that would lead Chase to consider closing my account. Had I known that making these large lump sum payments could prompt such drastic action, I would have opted to make the minimum payments and manage my finances differently to avoid the current predicament right before the Holidays. 

The sudden closure of my account has significantly impacted my financial well-being, primarily as I work to strengthen my credit profile and reduce the number of credit cards I hold to just 2 or 3. Most of my cards are now paid off, and I relied on the Chase Sapphire card as my primary option. This action felt like the rug was pulled out from under me just before the Holidays, causing considerable emotional distress and financial strain on my family, especially since we had some health issues in the family due to XXXXXXXX XXXX for my Mother, whom I almost lost this year. I find Chase 's decision to close my account under these circumstances to be not only detrimental but also predatory. 

Even though all of my payments were made via ACH transactions and my balance was within acceptable limits, Chase has attributed the closure to my high credit balance, which I believe is unfair, especially since they accepted those payments before closing my account.

The lack of prior notice and clear communication regarding the potential for account closure have left consumers like myself feeling unprotected and at a loss. I respectfully request that the CFPB look into this matter and consider appropriate action. I believe I am entitled to compensation for what I consider predatory practices on behalf of Chase Bank to ensure these practices do not happen to other folks. I did not appreciate an insensitive comment from a customer service representative stating, " This is the money you owed anyway. '' Everyone knows the current economic situation and how cumbersome it is for people to stay afloat, especially for those in XXXX XXXX and XXXX or working on commission. 

Thank you for your attention to this urgent matter. 

I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: DE

Complaint narrative:
The credit bureaus are not respecting my right to privacy under 15 USC Code 1681 section 602 According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The credit bureaus are sharing my information to third party companies without my consent which is affecting my credit score in negative ways by reducing my 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 explanation
Consumer complaint received 2024-11-15 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: 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 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 a account without my written instructions 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 explanation
Consumer complaint received 2024-11-15 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: CA

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XXXX - {$27000.00} XXXX XXXX XXXX XXXX - XXXX - {$87000.00} XXXX XXXX XXXX XXXX - XXXX - {$8900.00}

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 2024-11-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I do not believe the credit thats reported on my Credit report is valid.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: IA

Complaint narrative:
I'm filing this complaint regarding Pentagon Federal Credit Union 's inaccurate reporting of multiple late payments to the credit bureaus. Their records mistakenly show several payments as late, even though they were made on time. This incorrect information continues to appear on my credit report and is damaging 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 explanation
Consumer complaint received 2024-11-15 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of a fraudulent account listed below from my credit report. I am a victim of a data breach, and this account was not authorized by me. 
Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to have this fraudulent entry removed. 
Fraudulent Account : XXXX XXXX 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 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I ordered medication on XXXX medication was received on XX/XX/XXXX. The medicine was different from my previous orders. I contacted business for explanation, I was given an explanation that the compounding of the medication had been changed.. I informed them that I was not notified of this changed and was not comfortable with this. I also ask for the pharmacys info so I could verify this change and was told they could not provide pharmacy details.. which is illegal I as a consumer have the right to know where my medication is coming from. 
I then was called by business owner and she was very defensive and aggressive on the phone. I told her I wanted a refund and I would send the medications back. 
She declined that request. 
I immediately filed a complaint with my bank PNC for a charge back on XX/XX/XXXX. 
To this current day XX/XX/XXXX I have not been notified of any update by email or letter. 
I called the PNC and spoke with a representative and was told today that they have not heard from the merchant after a request and that by XX/XX/XXXX if they havent heard from merchant they would most likely deny my claim on a refund of my funds of {$480.00} My finds are suppose to be protected through my financial institution and I feel I have been let down and betrayed. 
I was scammed by a merchant with no recourse on my behalf. 
I bank with 2 other banking institutions and I have never been treated like this with any situations of this nature. 
As a customer of this bank I feel as though Ive been scammed twice. 
This merchant illegally sold me something that I was suppose to inject into my body and because I called them and questioned the authenticity of the product and demanded a refund for my own well being and health Im being punished by losing a significant amount of funds.

Im reaching out to see if I can get some resolution through your organization. 

I look forward to hearing back regarding this matter. 
Thank you. 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I do not believe the report that Portfolio Recovery has put on my credit report is valid. It is listed as an open balance. I do not have any debt with Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
I got paid today and Arvest Bank garnished 100 % of my direct deposite leaving me and my XXXX XXXX with no funds for food/gas or any other badic services. Arvest Bank did not care neither garnished a percentage

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-11-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I ordered a watch through XXXX, which is a platform for online commerce for fashion items and accessories. The watch was not delivered for several weeks, and I asked them to cancel the order. They ignored my request, the watch gets delivered. I ask to return it, they provide a XXXX tag. I return the package to XXXX ( I have receipt as a proof ), and it looks like someone at XXXX has lost/stolen this package, as it never made to destination. 

I made this purchase with Capital One credit card ( Venture XXXX ), Capital One will not dispute the transaction because the package was not delivered to destination. I have showed them the copy of the XXXX receipt and all the correspondence I have had with the vendor. However, they refuse to dispute this transaction, claiming that if the XXXX site does not show " Delivered '' they will not be able to accept my dispute. This statement was told me over the phone by a Capital One specialist, it is not detailed in any correspondence they have sent me and that I am attaching here. 

What happens after I drop off a package should not be my responsibility any longer, as I am merely executing the vendor 's instructions to drop off the package with their preferred shipping company. 
Capital One is not honoring what they promised in their credit card contract, i.e. purchase protection. 

I am attaching copy of my XXXX receipt, my attempt to communicate with Capital One, and Capital One 's final letter. 
In the final letter, it is stated my documentation lacks of " all the previously requested information needed to validate your dispute ''. I do not know what these are, they were never disclosed to me, I have provided my receipt as a proof of handling package to XXXX, and this should be enough ( at least it is with other credit card companies ) to allow the dispute to be open.

Company response to consumer: Closed with explanation