vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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: PA

Complaint narrative:
On XX/XX/year>, XXXX provided me with a dispute resolution stating that the XXXX XXXX account was accurate, despite XXXX 's request to remove said account from my credit profile where said account was settled for {$130.00}. XXXX never discussed XXXX 's removal request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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:
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 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: OH

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: IL

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of 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 2024-12-23 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: GA

Complaint narrative:
I discovered that my consumer rights have been violated through the dissemination of inaccurate information on my credit report. As a consumer, I have the right to fair and accurate treatment under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 1681e ( b ), which mandates that credit reporting agencies ensure the maximum possible accuracy of the information they furnish. 

Upon reviewing my credit report, I identified several discrepancies in my personal information, accounts, collections, and hard inquiries that fail to comply with FCRA standards and XXXX XXXX data field formatting guidelines. These inaccuracies include incorrect personal details, such as my current and previous addresses, name, and date of birth, which are as follows : Personal Information Errors : Incorrect Current Address : 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 The presence of this false or unverifiable information violates my rights under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to investigate disputes within a reasonable time and correct or delete any inaccuracies promptly.

Additionally, I am challenging the lack of evidence supporting the inclusion of the listed accounts and inquiries in my report. Under 15 U.S. Code 1681b ( f ), permissible purposes for accessing and using my credit report must be established and verified. The failure to validate these accounts and inquiries jeopardizes the integrity of the data and my financial standing. 

I demand the immediate removal of these inaccuracies and any unverifiable information from my credit report. I insist on a verified and accurate explanation or correction as per the 2020 XXXX XXXX XXXX XXXX ( XXXX ). Failure to address this promptly may result in further action to protect my rights and seek redress for damages caused by this negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: EQUIFAX, INC.
State: IN

Complaint narrative:
In reference to 15 USC 16c-2, my credit report includes unauthorized hard inquiries that are causing harm to my credit. I urge you to delete these incorrect entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: MD

Complaint narrative:
I request the immediate deletion of this unauthorized entry from my credit report, as it is not connected to me.

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 2024-12-23 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: MD

Complaint narrative:
I request the immediate deletion of this unauthorized entry from my credit report, as it is not connected to me.

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 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
I just received a credit card bill in the mail from Fortiva Retail Credit for {$51.00}. I never opened this account. I have a charge for {$49.00} described as an annual fee ( posted on XX/XX/year> ) and a {$2.00} charge for a paper statement fee ( posted on XX/XX/year> ). When I called Fortiva customer service, they asked for a social security number and I denied giving them that info as I never gave that info to them to begin with. Im afraid there is a larger scam that will take place if I provide them with my social security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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:
There is an item on my credit report that resulted from fraud and from which I never benefited. I reported this issue to the Federal Trade Commission, yet the fraudulent item remains on my 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 2024-12-23 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: MD

Complaint narrative:
I am writing to formally dispute the reappearance of information on my credit report that was previously removed due to its identification as fraudulent and related to identity theft. This action is in clear violation of the Fair Credit Reporting Act ( FCRA ).

Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block information resulting from identity theft upon receiving proper documentation. Furthermore, Section 611 ( a ) ( 5 ) ( B ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) prohibits the reinsertion of previously deleted information unless the bureau : 1. Certifies the accuracy of the information, 2. Notifies the consumer in writing within five business days, and 3. Provides the name and contact information of the furnisher who certified the informations validity. 

The reinserted item is attached to the identity, theft affidavit statement, which is enclosed.

As I have not been provided with any certification or notification regarding this reinsertion, this constitutes a violation of the FCRA.

I request the following actions immediately : 1. Reinvestigation and Removal : Conduct a thorough reinvestigation and permanently remove the fraudulent information.

2. Provide Documentation : Send me copies of all information and documentation that was provided by the furnisher of the disputed account to verify its validity.

3. Compliance Assurance : Ensure compliance with the FCRA in future handling of 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 2024-12-23 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: CA

Complaint narrative:
XXXX XXXX XXXX  opened account XX/XX/XXXX. 
On Monday XX/XX/XXXX a final payment was sent along with a cancellation letter of the account ... XXXX XXXX XXXX  cashed said check that was attached to letter stating " By Cashing this check, XXXX XXXX acknowledges notification and account is to be cancelled. 

XXXX XXXX did not cancel the account as instructed... They proceeded to bill late fees on services fees ... No credit was used. On XX/XX/XXXX the late fees were paid and the account was then cancelled. I immediately filed a dispute to remove the late payment. 

XXXX XXXX sent a copy of account on XX/XX/XXXX with status showing : XXXX, XXXX XXXX. 

I have provided a copy of this document to Transunion 3 times and they keep coming back stating that XXXX XXXX is stating No Changes and report as accurate despite the documentation I keep providing to Transunion. 

Transunion simply says, " File a Complaint ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding JPMorgan Chases recent actions of closing all of my credit card accountsboth personal and businesswithout any valid explanation. I have been a loyal customer of Chase for many years, and this sudden and unexplained closure has caused significant disruption to my financial life and business operations. 

In addition to my credit card accounts, I have a business checking account with Chase, where I currently maintain a balance of approximately {$200000.00}. Despite my long-standing relationship with Chase, the closure of my credit card accounts was executed without any prior notice, and no reasonable justification has been provided for these actions. 

Given the circumstances, I am requesting that Chase reopen all of my closed credit card accounts promptly. Should this issue not be resolved in a satisfactory manner, I will be forced to reconsider my banking relationship with Chase and may transfer my business elsewhere. 

I kindly ask for your assistance in facilitating a fair resolution to this matter, and I look forward to your prompt response. 

Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: DE

Complaint narrative:
Kindly examine the fraudulent and suspicious items on 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 2024-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase bank helped me with a loan to purchase property. We were told to bring a cashiers check for {$85000.00}. This amount covered everything at closing including appraisal fee, flood certification, environmental, and future release fees. The day after closing, Chase bank withdrew {$4300.00}. That's was the total for the fees described above. Basically charged me twice for the same thing, but most importantly, they withdrew these monies without authorization which actually overdrew that account. We contacted on XX/XX/year>, today is XX/XX/year> and still isn't resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit report contains accounts that I did not open or approve, likely due to fraud. Please take steps to eliminate these fraudulent entries.

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 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-12-23 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: FL

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have obtained a copy of my credit report and noticed unauthorized hard inquiries listed. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit profile, and I am requesting an investigation and correction/removal of these inquiries. 

The following hard inquiries are the ones I believe to be fraudulent or unauthorized : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inquiries were not authorized by me and therefore should be removed from my credit report. I am concerned about the impact that these inquiries may have on my credit score and my overall creditworthiness. 

Please begin an investigation into this matter and notify me of the results at your earliest convenience. If you find the inquiries fraudulent please delete them off my credit report. 

Thank you for your prompt attention to this important 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 2024-12-23 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate late payment reporting on my XXXX XXXX account ( # XXXX ) reflected in my TransUnion credit report. Despite two prior disputes filed on XX/XX/XXXX and XX/XX/XXXX, no corrections have been made to this account. The continued inaccuracies are a violation of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). The account also has discrepancies and errors in its reporting dates, payment history, and balance details, which are outlined below : Account Details : High Balance : {$38000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$18000.00} Account Status : Open Payment Status : Current Monthly Payment : {$680.00} Two-Year Payment History : Reflects an inaccurate XXXX late payment for XX/XX/XXXX. 
Discrepancies : Date Inconsistencies : The " Last Verified '' date ( XX/XX/XXXX ) conflicts with the " Date of Last Activity '' and " Date Reported, '' which should align. Such discrepancies violate 15 U.S. Code 1681i, which mandates accurate and consistent reporting.

Inaccurate Late Payment : The 30-day late payment for XX/XX/XXXX is incorrect and contradicts the payment amounts listed, showing no past-due balance.

Balance Details : The balance of {$18000.00} differs from the amounts reported to XXXX and XXXX for the same account. 
Relevant Legal Violations : FCRA ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to investigate and correct inaccuracies promptly.

TILA ( 15 U.S.C. 1666b ) : Mandates that creditors send periodic statements at least 21 days before the due date, ensuring no unfair penalties for consumers. 
PAANL : Reinforces creditors ' responsibilities to provide accurate, timely statements to protect consumers from erroneous reporting.

Desired Resolution : Immediate removal of the inaccurate 30-day late payment from my credit report.

Written confirmation of the corrections made.

Assurance that this account will be reported accurately in the future. 
I have also submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to address these inaccuracies. If these issues are not resolved promptly, I will consider escalating the matter further, including legal action. 
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