vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor name : XXXX XXXX  Date of charge-off/closed : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies must ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to 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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor name : XXXXXXXX XXXX Date of charge-off/closed : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies must ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The card in question is my XXXX XXXX XXXX XXXX card. 
In XXXX of this year, I was charged {$94.00} that were not my charges. I contacted Chase and they recognized that the charges were indeed fraudulent. So, they deleted those charges, and it seemed at the time the issue was resolved. 
The problem begins when my XXXX statement included those fraudulent charges again. 
I called the consumer services department, and they transferred me to their fraud department, I explained the situation and they acknowledged those fraudulent charges. 
In fact, they advised me that they collected those fraudulent charges from the vendor. 
After several days and " several '' more calls those charges were still on my account. I called multiple times more to no avail. Now those fraudulent charges are on my XXXX account again. Not only on my account but they are now charging me interest on those fraudulent charges. 
HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: IL

Complaint narrative:
I received my credit report on XX/XX/XXXX and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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. 
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. 
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 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. I also asked for the original contract to be provided and it was not.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to file a formal complaint against XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding my identity theft dispute. 

Over 20 days ago, I submitted an identity theft dispute to all three credit reporting agencies. According to the FCRA, they are required to investigate within four days and either block the fraudulent information or provide a written denial with an explanation of why the block was not granted. 

To date, this company has nit responded to my dispute, violating their legal obligations under the FCRA. This delay in action has caused me significant harm, as fraudulent accounts continue to appear on my credit report, negatively affecting my credit standing. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that TransUnion, XXXX, and XXXX comply with federal law, and that they immediately address and resolve my identity theft dispute. 

I appreciate your attention to this issue and look forward to a prompt resolution. 

Sincerely, 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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to file a formal complaint against XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding my identity theft dispute. 

Over 20 days ago, I submitted an identity theft dispute to all three credit reporting agencies. According to the FCRA, they are required to investigate within four days and either block the fraudulent information or provide a written denial with an explanation of why the block was not granted. 

To date, this company has nit responded to my dispute, violating their legal obligations under the FCRA. This delay in action has caused me significant harm, as fraudulent accounts continue to appear on my credit report, negatively affecting my credit standing. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX, Experian, and XXXX comply with federal law, and that they immediately address and resolve my identity theft dispute. 

I appreciate your attention to this issue and look forward to a prompt resolution. 

Sincerely, 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 2024-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Duvera Billing Services, LLC
State: PA

Complaint narrative:
Approximately XX/XX/24 I Received a text message from easypay for a bill from XXXX XXXX XXXX XXXXXXXX. I did not recognize the vendor and deleted the text. 
I received a letter on XX/XX/24 from Easy Pay saying they had taken over billing for XXXX XXXX XXXX XXXX and that I owed {$210.00} biweekly for 26 weeks. First payment due XX/XX/24 interest rate 178.99 %. All of the details are SHADY. When I called Easypay they told me to email their Fraud department. When I called A & K appliances they said they would get back to me after the went through their files. 

Neither satisfactorily canceled the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: Early Warning Services, LLC
State: TX

Complaint narrative:
I reached out to Early Warnings, LLC with the below letter and they have failed to provide me with the requested information to verify this item on my credit report. 

I was recently informed of negative information reported by XXXXXXXX XXXX included in the file Early Warning maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Ref # XXXX. 

XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX Please validate this information with XXXXXXXX XXXX and provide me with copies of any documentation associated with this " [ item ] '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hey my name is XXXX XXXX XXXX and this is not a third party filing this complaint. I have ask for supporting records that shows the Accuracy of these attached accounts and the credit companies could not provide it. Please Update accounts to current 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 explanation
Consumer complaint received 2024-09-19 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: MS

Complaint narrative:
Please help me, I have attached supporting correspondence

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 2024-09-19 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: AZ

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, that I recently received. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: CA

Complaint narrative:
XX/XX/XXXX : Recevied letter that XX/XX/XXXX Transaction via XXXX was valid. The Reason stating " You received benefit from this transaction ''. Amount of {$1200.00} was rebilled to credit card. 

XX/XX/XXXX : Called and spoke with XXXX about letter dated XX/XX/XXXX saying that XX/XX/XXXX dhgate charge is valid because I " received a benefit ''. He stated the decision was made based on IP Address. 

The charge in question from XXXX XXXX happened on XX/XX/XXXX for {$1200.00}. 

I called Chase on XX/XX/XXXX and spoke to XXXX to report this charge in question as well as another charge. I also explained that I discovered several of my accounts were compromised including my XXXX XXXX account and XXXX  account. In addition, I changed my name to my married name during this time and NEVER received the new credit card in my new name. 

I notified XXXX via their online system that the purchase was fraudulent and the mailing address they had for the order was not mine. There is no other means of communication to get a hold of someone from XXXX except via their portal. In the meantime I can not access my XXXX as it's been restricted due to this transaction begin reported as fraudulent. 

I have been an EXCELLENT standing credit card customer with Chase since XXXX! Our 3 main credit cards are ALL Chase credit cards. They have access to our spending habits and big ticket purchase trends ( usually travel ). I have never reported any fraudulent charges before and have never made a late payment ever. 

The charge on XX/XX/XXXX to DHGate is a fraudulent charge that I DID NOT authorize OR MAKE based on all the information above. I did not receive any benefit from this transaction as Chase is claiming. 

Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-19 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: WI

Complaint narrative:
I always make my payments on time, so Im confused about why this company is marking me late for certain months. According to USC 1666b, billing errors should be fixed, and my record should show " paid as agreed. ''

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 2024-09-19 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: WI

Complaint narrative:
I always make my payments on time, so Im confused about why this company is marking me late for certain months. According to USC 1666b, billing errors should be fixed, and my record should show " paid as agreed. ''

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Sterling Credit Corp.
State: WI

Complaint narrative:
I submitted a letters asking for a complete investigation into the accounts on my credit profile. I am a victim of Identity theft. I have sent my Identity theft report and affidavit in several times and the credit bureaus are not following the law. The accounts were placed on my account fraudulent, I also asked for an update of my personal information due to fraudulent information making it hard for me to pass identity questionnaires.

I submitted 15.US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information.as well as a debt validation which included ; explanation of account A copy of state license, license # Documentation stating I agreed to pay this debt with my signature and documentation stating I gave permission to use my information.

Original Promissory Note ChIn of custody for account Master bill of sale

Company response to consumer: Untimely response
Consumer complaint received 2024-09-19 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: FL

Complaint narrative:
15 usc 1666b timing of payment should be not reported publicly law that get broken via debt reporting A creditor may not treat a payment on a open end consumer credit plan as late for any purpose As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated it is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES :. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2024-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Prior Capital One account was charged off. Capital one reached out to me to apply for a new card and then rejected me because they had prior account charge off in system.

Company response to consumer: Closed with explanation