vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: 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 account listed without my expressed written consent.

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 2025-02-19 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: TX

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/year>, Chase sent me a letter stating that they were closing my account. The letter states that I " abused the claims process. '' It appears that Chase is boldly accusing me of fraud without any evidence and gave me no opportunity to defend myself before starting the process to close my account. Chase criminalized me, a once longtime consumer with checking, savings, and mortgages through this bank. However, this did not matter to Chase. They had no problem closing my account. When I called about this, I was told repeatedly that Chase does not have to give a reason for closing the account and that I should have been aware of this when I opened my account. So, which is it? Did I allegedly abuse their claims process or is it that they just closed my account with no provocation? I was told several times Chase does not have to provide any explanation to me. As a result of Chase closing my account the following occurred : 1- No access to my payroll checks for weeks and inability to pay creditors on time ( Chase mailed the remainder of my funds to my address and would not let me get access to my funds. ) 2- My life insurance policies lapsed 3- Forced to open new bank account and endure two 6 day waiting periods for payroll checks to clear after waiting for checks to be mailed from Chase. ( XXXX and XXXX rent was LATE, which incurred XXXX {$50.00} late fees, total = {$100.00} ) XXXX over XXXX creditors paid over a month late, incurring late fees per creditor XXXX Had to stop payroll deposit and get paper checks .... delaying payments to creditors and disrupting autopay. 

XXXX Kicked off Student Loan AutoPay/late payment XXXX Kicked off Auto Pay for all Credit Cards .... had to call each creditor and reapply

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NY

Complaint narrative:
To whom it may concern I am writing to dispute the following inaccurate information on my credit report : Account Name & Numbers : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXXXXXX, XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act XXXX FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of disputed information within 30 days. If the information can not be verified, it must be deleted promptly.

Recent actions by the Consumer Financial Protection Bureau ( CFPB ) have highlighted the importance of proper dispute handling. For instance, Equifax was fined {$15.00} XXXX for failing to adequately investigate consumer disputes, and the CFPB has sued Experian for allegedly conducting " sham investigations '' into consumer disputes, emphasizing the necessity for credit reporting agencies to adhere strictly to FCRA requirements.

If this is not removed, I will take this to legal damages because I have been charged larger interest rates, declined credit cards and a mortgage due to your negligence.

Please reinvestigate this matter and correct or delete the disputed information as required by the FCRA.

I request that you provide written confirmation of the actions taken to resolve this dispute. 
Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX This was delivered to all 3 credit bureaus by certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NY

Complaint narrative:
Once again, I am writing to formally request the removal of the items that I previously asked to be removed from my report. Despite submitting this request several months ago, these items are still being reported on my account. What happened? I have already provided all the necessary details and documentation required to support my request Therefore, I kindly ask that you address this matter promptly again and ensure that the requested changes are made to my report without further delay.anymore.

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 2025-02-19 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: PA

Complaint narrative:
Please see supporting documentation pertaining to Equifax Data BREACH.

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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I have a Chase Sapphire Reserve Card through Chase covered by XXXX  XXXX XXXX XXXX, XXXX ). I filled out a trip cancellation claim on XX/XX/XXXX for reimbursement of prepaid expenses I made using my Chase card. In XXXX the claim was " accidentally '' cancelled because they thought it was a duplicate or mistake. An agent then told me that it wasnt an issue and the claim would be reopened. After a week of waiting and hearing nothing on the claim, I contact Chase on XX/XX/XXXX and am told that cancelled claims cant be opened and I would need to start a new one. That agent helped me open a new one and re-upload my documents again. 7 business days go by and I dont hear anything, so I contact an agent again who tells me not to worry all the relevant documentation is there, I should wait another 7 business days. Time goes by and an agent tells me a manager will call me back, that doesnt happen, I eventually receive an email from Chase benefits informing me that I need to upload more documents. I contact Chase on Monday XX/XX/XXXX and am told by an agent that I should ignore the email because all my documents are there. On Thursday XX/XX/XXXX a different agent tells me to upload more documents which I did. Then over the weekend of XX/XX/XXXX, my claim moves back to awaiting document, so I call and request to speak with a manager or anyone who can give me actual concrete details on what's happening with my claim and am told that I will receive a call back. Of course, I do not get a call back so I contact the team again and am put on hold as the agent claims she's finding a manager but after 2 minutes on hold the agent disconnected the line. I call back a 2nd time and am told to wait 7 business days. There is no consistency between the agents who look into these claims and its very obvious they read from a script and fall back on either hanging up on you or telling you to call back in 7 business days. Its quite clear they do not have a direct line to XXXX who provides the travel protection on the backend. Chase and XXXX explicitly state it takes 7 business days on the chasecardbenefits.com website and its well past that date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-19 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: PA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-02-19 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: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-19 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Credit Acceptance Corp " Paid OFF '' XX/XX/year>, original Amount : XXXX Joint Account that was closed and paid off this car did not belong to me .plus its showing up on my credit as late payments

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 2025-02-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: The J. G. Wentworth Company
State: PA

Complaint narrative:
I consolidated my debt after recovering from an accident. It was convenient at first. A few months in to my program I started receiving calls, text and emails multiple times a day to get a loan through a company they work with. After feeling almost forced into it with assurance I would almost surely get it, I was denied fast and took a hard credit it. After this I decided to just pay my debts in entirety by myself. I was promised by MULTIPLE agents if I paid nearly {$10000.00} in full that ALL of my debts would be SETTLED in 90 days. It has now been 6 months past that time. Ive been calling and talking to the creditors myself to get them to reach out to jg wentworth. They creditors said they were never contacted. After jg went told me repeatedly they were all contacted. I did the work myself and for the last debt the needed more money so they could make {$600.00} to pay {$900.00} and I did all the work! I repeatedly called an tried to talk to supervisors and was denied. When I was finally able to talk to one I was assured Id be called back that day with an update on their lies. The supervisor actually told me she doesnt know where the people working on my case were. No one tells her if they quit or have a baby. Anyway, she never called back. I called XXXX  days later and was told she had lost service. Ive talked to many people there and each one has had a different lie and outright accused me of making things up. Mind you they record everything. HUGE SCAM!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XXXX  I accidentally sent some money to the wrong number and I was not reimbursed because the other party denied the claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to demand the immediate deletion of the following inaccurate and unlawfully reported charge-off from my credit report within 72 hours : Account Name : Bridgecrest Balance : {$1600.00} Charge-Off Status ( Incorrectly Reported ) This charge-off has been paid, and any further reporting of a balance is a direct violation of the Fair Credit Reporting Act ( FCRA ) and consumer protection laws. 

LEGAL VIOLATIONS & GROUNDS FOR REMOVAL 1. Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), Bridgecrest is legally required to maintain accurate reporting. The continued reporting of a paid charge-off is a clear violation of this federal law and must be corrected immediately.

2. Attempted Double Jeopardy in Credit Reporting Potential Fraud The balance has already been resolved, and any attempt to collect or report it again is fraudulent. Forcing a consumer to pay for the same debt multiple times is illegal under **15 U.S.C ( be advised that FTC report has already been submitted )

Company response to consumer: Closed with explanation