vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 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: MA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-26 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XX/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 2024-04-26 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XX/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 2024-04-26 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: FL

Complaint narrative:
( XXXX, TRANSUNION & XXXX ) ( XXXX XXXX XXXX XXXX ) {$580.00}, XX/XX/XXXX, ( XXXX XXXX XXXX ) {$17000.00}, XX/XX/XXXX, ( XXXX XXXX XXXX XXXX ) {$730.00}, XX/XX/XXXX, ( XXXX XXXX XXXX XXXX ) {$5800.00}, XX/XX/XXXX, ( XXXX XXXX ) {$2000.00}, XX/XX/XXXX, ( XXXX. XXXX XXXXXXXX ) {$1400.00}, XX/XX/XXXX, ( XXXX XXXX ) XXXX XXXX, XX/XX/XXXX, ( XXXX XXXX ) XXXX XXXX, XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: FL

Complaint narrative:
( XXXX, XXXX & EQUIFAX ) ( XXXX XXXX XXXX XXXX ) {$580.00}, XX/XX/XXXX, ( XXXX XXXX XXXX ) {$17000.00}, XX/XX/XXXX, ( XXXX XXXX XXXX XXXX ) {$730.00}, XX/XX/XXXX, ( XXXX XXXX XXXX XXXX ) {$5800.00}, XX/XX/XXXX, ( XXXX XXXX ) {$2000.00}, XX/XX/XXXX, ( XXXX. XXXX, XXXX ) {$1400.00}, XX/XX/XXXX, ( XXXX XXXX ) XXXX XXXX, XX/XX/XXXX, ( XXXX XXXX ) XXXX XXXX, XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
My husband loss his job of 25 years in XXXX of 2023 reducing our income from two to one income. We have been managing until now. We contacted Capital One regarding a financial hardship assistance to help us get back on track after missing payments. We were told that the only assistance that was available was the 3 month spilt of the minimum payment. I called because last year in XXXX we mailed several hardship request for all of our accounts and proceeded to ask if anything was needed. We never received a response then months later while attempting to enter a debt consolidation to help us get back on track. We were denied any loans or assistance because Capital One is reporting to the credit bureaus our late and missed payments during our hardship. When calling the representative stated that they did not offer programs to assist us other than the 3 month minimum on each card which is over {$300.00} dollars due on XX/XX/XXXX. We pleaded with the representative informing her that we could not afford the amount and asked if we could have all the cards merged into one account to prevent multiple interest per card. We were denied. We have been loyal customers of the company for years and now when we need assistance the most. We were denied help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Around XX/XX/XXXX, I called the number on the back of my Chase XXXX credit card. I asked the representative for the the full account balance, so that I could close down the account after paying countless dollars in interest. I was given an amount to remit, a less less than {$2700.00}. I mailed a check for this within a day. 

Two months later, on XX/XX/XXXX, I was shocked to see a {$35.00} autopay deduction from Chase. I was told this was interest, that the employee made a mistake, and that there is absolutely nothing that can be done to reverse the {$66.00} post-settlement interest charge. 

I asked the supervisor, whose name is XXXX, that she ( 1 ) refund the {$35.00} and ( 2 ) wipe off my balance. Said she had no power to due that. I asked to talk to her supervisor, she said that is not possible. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-26 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: HI

Complaint narrative:
I am writing to file a formal complaint against TransUnion regarding the unauthorized reappearance of an account on my credit report, which was previously blocked under the provisions of the Fair Credit Reporting Act ( FCRA ) Section 605B due to identity theft. 

The account in question, [ XXXX XXXX XXXX XXXX ], was initially identified as fraudulent and subsequently blocked from appearing on my credit report in accordance with FCRA 605B. However, to my dismay, TransUnion has allowed this account to be reported back onto my credit report without providing any notification or explanation, as well as failing to furnish me with requested documents regarding this matter. 

Despite my repeated requests for information and documentation regarding the reappearance of this account, TransUnion has failed to provide any satisfactory response. I have not been informed of the basis on which this account has been reinstated, nor have I been provided with any evidence verifying its accuracy or legitimacy. This lack of transparency and communication from TransUnion is deeply concerning and has further exacerbated the distress caused by this situation. 

Furthermore, it is important to note that the creditor associated with this account has been unable to verify the information they reported to TransUnion, casting doubt on the accuracy and validity of the account. Despite this, TransUnion has allowed the account to remain on my credit report, thereby negatively impacting my creditworthiness and financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Maury Cobb, Attorney at Law, LLC
State: PA

Complaint narrative:
Don't know exact date. Was around 1 month ago. Contacted collection agency on phone. Requested validation on amounts due. Company said they would send. Instead they immediately posted collection account on my credit report which is illegal. As they had never sent me the written documents I requested or validated anything. I would like this collection removed immediately. Until they verify all info and process is completed. They use scare tactics sending information via email posing as a law firm thinking your getting sued. 

I am working with the original creditor instead of them which they also told me I couldn't do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recognize these inquiries are not authorized by 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 2024-04-26 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: NY

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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the Inquiries below : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: Capital For Change, Inc.
State: CT

Complaint narrative:
I have reviewed my consumer reports and notice that I had two late payments on an account. That I was never late for the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts I have included in the screenshot inside of this complaint showing they have reported me being 120-149 days late. Please investigate and provide proof with statements showing that these late payments were late. If proof can not be provided I demand these payments be update to paid as agreed on time as they should be because I was never late. This account is also only reporting to XXXX  and not the other two credit reporting agencies, which also another inaccuracy as the information should be reported to each agency. Please see screenshot attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX Credit Line : {$500.00} Opened : XX/XX/2017 This is not me ; I have no knowledge of this account. this is fraudulent and should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX Credit Line : {$500.00} Opened : XX/XX/year> This is not me ; I have no knowledge of this account. this is fraudulent and should not be 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 non-monetary relief
Consumer complaint received 2024-04-26 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 am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: NY

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.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were 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 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/2014, my debt card was charged {$400.00} for an ATM transaction which was unauthorized. The {$400.00} were made in two transaction of XXXX dollars each. The ATM wasn't from my bank so I also got another {$6.00} for non-chase ATM fee. I disputed the charges and told Chase that my card was stolen and that these are unauthorized transactions. They temporary refunded me but now have rejected my claim and reversed the refund. I called them and they said I have to proof and when I asked how can I prove, they responded that there is actually nothing that I can provide and that I have to figure it out on my own. I asked if there was any chance I could get my money back since I am a XXXX XXXX and {$400.00} is a huge amount for me and they responded that no there isn't and I have to find some proof. They also said that the details will be physical mailed in a week, and when I requested to get them online so I can resolve it sooner, they said they can't do it online. Which sounds to me as an effort to prolong and make this matter harder for me to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: PA

Complaint narrative:
Kindly remove these inquiries. I am not informed about them, and they were made without my 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 2024-04-26 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: TX

Complaint narrative:
I am writing to formally dispute and request the immediate removal of several inaccurately reported accounts from my credit report, Experian, XXXX and XXXX has failed to do a proper reinvestigation. Despite my previous attempts to rectify these errors, they persist, which is a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

Below are the details of the disputed accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Report Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Report Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number XXXX XXXX Report Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Report Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Report Number : XXXX I am formally requesting the deletion of these accounts from my credit report due to violations of the following statutes : 15 USC 1681 ( 5 ) 15 USC 1681 ( 7 ) 15 USC 1681e ( b ) 15 USC 1681s-2 These inaccuracies not only misrepresent my credit history but also have the potential to adversely affect my financial standing and opportunities. Therefore, I urge you to take immediate action to rectify these errors and ensure the accuracy of my credit report. 

I expect a thorough reinvestigation of the disputed accounts and a prompt response detailing the steps taken to address my concerns. Additionally, I request documentation of the reinvestigation process for my records. 

Thank you for your attention to this matter. I anticipate a swift resolution and the removal of the inaccurately reported accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to urgently request your assistance in addressing a critical issue regarding inaccurate information on my credit report provided by TransUnion, a violation of the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX681e and 1681i of Title 15 of the United States Code ( 15 U.S.C. 1681e, 1681i ). 

TransUnion has furnished incorrect and misleading information regarding XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, on my consumer credit report. This erroneous information is damaging to my creditworthiness and financial reputation, thus contravening my rights under the FCRA. 

As per the provisions outlined in the FCRA, credit reporting agencies are mandated to promptly remove inaccurate information from consumer credit reports upon notification of such inaccuracies. Therefore, I respectfully request that you intervene and instruct TransUnion to remove the inaccurate information pertaining to XXXX XXXX from my credit report immediately, in accordance with the guidelines set forth in sections 1681e and 1681i of Title 15 of the United States Code. 

Your prompt attention to this matter is greatly appreciated. 

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 non-monetary relief