vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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: MD

Complaint narrative:
This is absolutely frustrating and stressing me out, there are errors on my credit report that is unfairly affecting my score. How can I achieve the American dream when I am living a nightmare? This is insanely distressing.

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 2024-07-24 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXXXXXX, 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 : States a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681e ( b ) ensuring maximum possible accuracy. The deficiency balance on this account show different.

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 2024-07-24 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: MD

Complaint narrative:
This is absolutely frustrating and stressing me out, there are errors on my credit report that is unfairly affecting my score. How can I achieve the American dream when I am living a nightmare? This is insanely distressing.

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 2024-07-24 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong 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 2024-07-24 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong 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 2024-07-24 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: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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:
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX ).

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 2024-07-24 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: CA

Complaint narrative:
I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.

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 2024-07-24 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: MI

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 non-monetary relief
Consumer complaint received 2024-07-24 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> Subject : Complaint Regarding Unresolved Fraudulent Charge by JP Morgan/Chase Bank To whom it may concern, I am writing to file a formal complaint against JP Morgan/Chase Bank regarding their failure to refund a fraudulent charge on my account, despite my prompt reporting and continuous follow-up.

Details of the incident : - Account Holder 's Name : XXXX XXXX - Bank Name : JP Morgan/Chase Bank XXXX Account Number : XXXX - Date of Fraudulent Transaction : XX/XX/year> - Amount of Fraudulent Transaction : XXXX - Description of Fraudulent Transaction : Tote bag purchased from XXXX XXXX XXXX XXXX XXXX 
- Item Order Number : XXXX XX/XX/year> : Unexpected charge was issued on my debit card. My phone notified me about a charge made on my card for a tote bag purchased at XXXX XXXX XXXX headquarters in XXXX, PA. Shortly after that, I cancelled the card and I contacted the bank to report the issue. 

XX/XX/year> : I contacted the bank as the charge was not removed from my account and a claim was submitted. 

XX/XX/year> : A notice was sent that the claim was not approved and the money would be deducted from my account. I was not aware of this notice until later. 

XX/XX/year> : I realized the claim status and the charge continued to be in my transaction history, so I contacted the bank who the next day sent another notice reaffirming the position that the transaction was authorized. I did not authorize this transaction. 

XX/XX/year> : I contacted XXXX XXXX XXXX headquarters as instructed by JP Morgan/Chase fraud division customer service . They refused to provide any help or assistance on the matter. 

I first reported this unauthorized charge on XX/XX/XXXX to JP Morgan/Chase and have since contacted their customer service department multiple times. However, I have not received the refund or any satisfactory resolution to this issue. I have attached copies of all relevant documentation and correspondence related to this matter. 

Despite JP Morgan/Chase 's assurances and the protections offered under the Electronic Funds Transfer Act ( EFTA ) XXXX my request for a refund remains unresolved. The bank 's lack of action has caused me significant distress and inconvenience, and I am seeking your assistance to resolve this matter. 

I request the Consumer Financial Protection Bureau to investigate this complaint and to ensure that JP Morgan/Chase complies with the applicable regulations and processes the refund of the disputed amount promptly. Additionally, I would like a written confirmation of the resolution of this issue from both JP Morgan/Chase and the CFPB. 

Thank you for your time and attention to this urgent matter. I appreciate your assistance and look forward to a prompt resolution. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$1500.00} XXXX  XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX  XXXX Balance : {$4400.00} XXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: TX

Complaint narrative:
n 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: GA

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

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 2024-07-24 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:
Knowingly lying, making false statements or concealing vital, significant and pertinent information, data and/or book entries can, may, and will imply that you admit you are secretly engaging in the practice of scamming people, extorting people, and deceiving the people and you admit that this is true and correct if you do not honor this request.

" Whoever, having taken an oath before a competent tribunal, officer, or person, in any case in which a law of the United States authorizes an oath to be administered, willfully and contrary to such oath states or subscribes any material matter which he does not believe to be true, is guilty of perjury and shall be fined no more than {$2000.00} or imprisoned not more than five years or both. '' 18 U.S.C. 1621, 18 U.S.C. 1001

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 2024-07-24 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: IL

Complaint narrative:
Knowingly lying, making false statements or concealing vital, significant and pertinent information, data and/or book entries can, may, and will imply that you admit you are secretly engaging in the practice of scamming people, extorting people, and deceiving the people and you admit that this is true and correct if you do not honor this request.

" Whoever, having taken an oath before a competent tribunal, officer, or person, in any case in which a law of the United States authorizes an oath to be administered, willfully and contrary to such oath states or subscribes any material matter which he does not believe to be true, is guilty of perjury and shall be fined no more than {$2000.00} or imprisoned not more than five years or both. '' 18 U.S.C. 1621, 18 U.S.C. 1001

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 2024-07-24 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: PA

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: TX

Complaint narrative:
Equifax is publishing credit inquiries that are fraudulent and must be removed from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX A fraudulent charge of {$1400.00} was noted on the debit card. On the same day, another charge for over {$2000.00} was denied because it pushed over the daily spending limit. This attempted charge no longer appears on my account. One charge in Texas ; the denied charge in Maryland. We live in North Carolina and have never been to these locations. Within an hour I froze my account and notified Wells Fargo Bank. I filed a fraud claim over the phone, and during the call I explained the entire situation. Within two days the money was returned to my account as provisional credit. 

After hearing nothing of the investigation, on XX/XX/XXXX I was notified that the investigation was closed and they would be taking the money back. In the denial letter, they stated that part of their reason for denial was due to me not providing them information they requested. This is false, as they never made an attempt to reach out for any additional information regarding the claim. 

I am a XXXX XXXX XXXXXXXX XXXX XXXX. My purchase history on the account is usually in considerably lower amounts and certainly not for home improvement items -- this alone should have caused the Bank to see this as fraud. The purchase was made by a merchant who entered the card number manually, and so there was no identification and no physical card for such a large transaction. The fact that a second attempted charge in yet a different state should have satisfied the investigation at Wells Fargo. 

XX/XX/XXXX After multiple conversations with multiple Fraud Team members at Wells Fargo, as well as attempting to meet with someone at a local Wells Fargo branch, I have no choice but to report the issue and ask for your help.

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 monetary relief
Consumer complaint received 2024-07-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Subject : Request for Removal of Unverifiable and Incomplete Account Information Dear Sir/Madam, I am writing to formally request the removal of an account associated with XXXX from my credit report. The account details are provided below : Account Information : Account Number : XXXX High Balance : {$720.00} ( Equifax XXXX Last Verified : Not Reported Date of Last Activity : XX/XX/XXXX ( Equifax XXXX Date Reported : XX/XX/XXXX ( Equifax XXXX Date Opened : XX/XX/XXXX ( Equifax XXXX Balance Owed : {$720.00} ( Equifax XXXX Closed Date : Not Reported Account Rating : Derogatory ( Equifax XXXX Account Description : Credit card ( Equifax XXXX Dispute Status : Account not disputed ( Equifax XXXX Creditor Type : All Banks ( Equifax ) Account Status : Closed ( Equifax ) Payment Status : Collection/Chargeoff ( Equifax ) Creditor Remarks : Charged off account ( Equifax ) Payment Amount : {$0.00} ( Equifax ) Last Payment : XX/XX/XXXX ( Equifax ) Term Length : Not Reported Past Due Amount : {$720.00} ( Equifax ) Account Type : Credit Card ( Equifax ) Payment Frequency : Not Reported Credit Limit : {$0.00} ( Equifax ) This account has been previously investigated, and it has been determined that the information provided is unverifiable and incomplete. Despite this, the account remains on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ).

The discrepancies and inconsistencies, as outlined above, demonstrate that the account information is not accurate, complete, or verifiable. Specifically : The account is only reported by Equifax and not by XXXX or XXXX. 
The balance owed and the past due amount are the same, indicating potential duplication of information. 
The dates of last activity, report, and opening do not provide a complete timeline. 
Given these significant inaccuracies and the unverifiable nature of the account information, I demand the immediate removal of this account from my credit report by EQUIFAX Please confirm in writing that this account has been removed from my credit report within 30 days of receipt of this letter. Failure to do so will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal action to enforce my rights under the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with non-monetary relief