vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 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: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, I am writing to formally dispute a bankruptcy entry listed on my credit report. The bankruptcy, referenced as # XXXX, is a XXXX XXXX Bankruptcy filed on XX/XX/year>, and discharged on XX/XX/year>. Its continued presence on my credit report violates the Fair Credit Reporting Act ( FCRA ). 

Details of the Bankruptcy : Type : XXXX  XXXX Bankruptcy Status : XXXX Date Filed/Reported : XX/XX/year> Reference # : XXXX Closing Date : XX/XX/year> Asset Amount : {$0.00} Liability : {$0.00} Exempt Amount : {$0.00} Court : U.S. Bankruptcy Court Violations of the Fair Credit Reporting Act ( FCRA ) : Limit on Reporting Period : The FCRA stipulates that a XXXX  XXXX bankruptcy can be reported on a credit report for a maximum of 10 years from the filing date. However, due to its discharge date, it should not be impacting my current financial opportunities as it represents outdated and inaccurate information. 

Accuracy and Fairness : The continued listing of this outdated bankruptcy is inaccurate and unfair, adversely affecting my credit standing, which is against the FCRA 's requirement for accurate information. 

Obligation to Correct Errors : I have previously disputed this bankruptcy with the credit reporting agencies. Under the FCRA, they are required to investigate and correct any inaccuracies within 30 days, yet the bankruptcy remains on my report, indicating non-compliance. 

Consumer Notification : Upon resolving a dispute, credit reporting agencies must inform the consumer of any changes made to their report. I have not received any notification regarding this matter, which further contravenes the FCRA. 

I request the immediate removal of this incorrect bankruptcy entry from my credit report, as it is unjustly impacting my credit score and financial opportunities. 

Please confirm receipt of this letter and provide information on the actions taken to resolve this issue promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2024-07-22 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: CA

Complaint narrative:
In Accordance of the Fair Credit reporting act.The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Hard Inquiry Acct Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 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 7 years 1
5 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 explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information 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 2024-07-22 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: FC HoldCo LLC
State: NV

Complaint narrative:
I recently checked my XXXX credit report and realized there was an account from Flagship Credit Acceptance ( FCA ) that didn't belong to me. It's labeled under my " installment loan '' accounts for an auto loan. I called XXXX to get the account and phone number for that debt. After that I called Flagship Credit Acceptance to figure out what's going on and how this mistake could have happened. 
While on the phone with customer service at FCA they advised that this debt belongs to an individual named " XXXX XXXX. '' My name is XXXX XXXX, so this was obviously a reporting mistake/error for an account that has nothing to do with me. 
After learning this information I checked my other two credit reports from XXXX and XXXX and confirmed that this error was not reporting to either of my other two credit bureaus. 
I've never had any auto loan with Flagship Credit Acceptance and should not have any account from them reporting to 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 2024-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear CFPB, I am writing to demand the immediate removal of incorrect information from my credit report. Despite contacting the credit bureaus multiple times, inaccurate details persist, which violates the Fair Credit Reporting Act ( FCRA ). 

Incorrect Information to be Removed : Names : 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 Violations of the Fair Credit Reporting Act ( FCRA ) : Accuracy Requirement : The FCRA mandates that credit reporting agencies ensure the accuracy and completeness of information on credit reports. The incorrect addresses and employer information clearly violate this provision. 

Right to Dispute : As a consumer, I have exercised my right to dispute inaccuracies multiple times. The credit bureaus are required to investigate and correct these errors within 30 days, which has not occurred. 

Obligations of Furnishers : Furnishers of credit information must provide accurate data. The continued presence of incorrect information indicates a failure to comply with FCRA obligations. 

Timely Corrections and Notifications : The credit bureaus and furnishers must correct any inaccuracies and notify me promptly. Despite my repeated efforts, these requirements have not been met. 

I request the immediate removal of all incorrect information from my credit report. I am providing my correct information below for your reference : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX Employer : XXXX XXXX I expect your prompt attention to this matter. Please confirm receipt of this letter and the actions taken to resolve these issues. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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:
Dear CFPB, I am writing to demand the immediate removal of incorrect information from my credit report. Despite contacting the credit bureaus multiple times, inaccurate details persist, which violates the Fair Credit Reporting Act ( FCRA ). 

Incorrect Information to be Removed : Names : 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 Violations of the Fair Credit Reporting Act ( FCRA ) : Accuracy Requirement : The FCRA mandates that credit reporting agencies ensure the accuracy and completeness of information on credit reports. The incorrect addresses and employer information clearly violate this provision. 

Right to Dispute : As a consumer, I have exercised my right to dispute inaccuracies multiple times. The credit bureaus are required to investigate and correct these errors within 30 days, which has not occurred. 

Obligations of Furnishers : Furnishers of credit information must provide accurate data. The continued presence of incorrect information indicates a failure to comply with FCRA obligations. 

Timely Corrections and Notifications : The credit bureaus and furnishers must correct any inaccuracies and notify me promptly. Despite my repeated efforts, these requirements have not been met. 

I request the immediate removal of all incorrect information from my credit report. I am providing my correct information below for your reference : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX Employer : XXXX XXXX I expect your prompt attention to this matter. Please confirm receipt of this letter and the actions taken to resolve these issues. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2024-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/year>, my XXXX paid a friend {$230.00} via XXXX, and directed XXXX to charge our Chase credit card ending in XXXX. 

On XX/XX/year>, I was inspecting the XX/XX/XXXX statement for the Chase credit card ending in XXXX, and noticed interest charges, which was a suprise because we always pay the full balance on the card before the payment due date. I examined both the XX/XX/XXXX and XX/XX/XXXX statements and learned that the XXXX transaction was categorized as a " Cash Advance '', and noticed interest charges on both statements for this cash advance, but I could not understand how interest was being calculated. In the XX/XX/XXXX statement, on the last page, the " Cash Advance Balance Subject to Interest Rate '' is listed as {$54.00}, and in the XX/XX/XXXX statement, the " Cash Advance Balance Subject to Interest Rate '' is listed as {$170.00}. 

On XX/XX/year>, I called Chase card services to inquire about the cash advance and subsequent fee and interest charges. The customer service representative explained that XXXX transactions are " Cash Advances '' and subject to the cardholder agreement for cash advances, which includes a transaction fee and immediately accruing interest. I asked the representative to explain how the two ammounts of {$54.00} and {$170.00} mentioned above were related to the XXXX transaction, and if she could explain how the interest calculations were performed. The representative asked me to hold while she conferred with her colleagues. After about an hour on hold, I explained that I had to leave the call, and requested a written explanation of interest charges to be sent to me. The customer service representative said that a written explanation of interest charges was not possible, and I would have to stay on the phone to receive a verbal description of interest charges when the calculation was complete. As I had other business to conduct, I ended the phone call without waiting for the completion of the calculation. 

Later that day, I requested a copy of the current cardholder agreement on the Chase website, and the website said that a copy of the cardholder agreement would be physically mailed to me in 7-10 business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 2024-07-22 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: FactorTrust, Inc.
State: CA

Complaint narrative:
I am a survivor of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  where I was compelled into accruing debts in XXXX XXXX. This has resulted in several negative marks on my credit report. Currently, I am being supported by a representative from the XXXX XXXX, an organization committed to aiding survivors of XXXX XXXX  We are utilizing Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove detrimental information associated with trafficking upon the filing of an official claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: CA

Complaint narrative:
XXXX  XXXX XXXX XX/XX/XXXX {$1400.00} Paid/ Closed XXXX  XXXX XXXX XX/XX/XXXX {$110.00} Paid/ Closed XXXX XXXX XX/XX/XXXX {$17000.00} Paid/ Closed XXXX XXXX XXXX XXXX XX/XX/XXXX Closed Account in dispute under Fair Credit Billing Act XXXX XXXX XX/XX/XXXX {$400.00} Paid/ Closed XXXX  XXXX XXXX XXXX XX/XX/XXXX {$360.00} Paid/ Closed XXXX XXXX XXXX XX/XX/XXXX {$470.00} Paid/ Closed Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX XXXX XXXX  XXXX XX/XX/XXXX {$650.00} Paid/ Closed XXXX. XXXX, XXXX XXXX XX/XX/XXXX {$800.00} Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX XXXX XXXX XXXX XX/XX/XXXX {$6200.00} Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX & XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/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 2024-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I signed for a vehicle with my sister in law in XXXX through Chase Bank. She was responsible for making monthly payments each month of approximately {$500.00}. At the end of XXXX of XXXX I was notified via XXXX XXXX XXXX XXXX personnel that there was a charge off on an account I was responsible for. This was a surprise because I was not aware of any owed debt. Chase Bank never sent me any notice that the account was past due, in collections, or in a charge off status. Once I verified the debt with Chase, and that in fact payments had not been made, I paid the account in full. I am not disputing the debt, only their practice in not notifying me of the lateness of the debt. I am a XXXX  and only learned of this because my security manager informed me that my top-secret security clearance was in jeopardy. Had Chase notified me earlier and properly, I would have fixed the situation before it harmed my security clearance and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: TX

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-07-22 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: TX

Complaint narrative:
Identity Theft Police Report attached. Credit Information is still inaccurate despite advising inquiries were unauthorized, inaccurate personal information listed and despite history of XXXX XXXX # XXXX and XXXX XXXX # XXXX was updated the account status failed to update to reflect change.

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 2024-07-22 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: VA

Complaint narrative:
I submitted a dispute for this account in XX/XX/year> and received a response from the credit reporting agencies indicating that the account would not be removed because it was verified. I am concerned about the accuracy of this verification process, as the account information is clearly inaccurate. Therefore, I am now formally requesting details regarding the method of investigation conducted, as outlined in 15 USC 1681i. 

Please note that I am submitting this request through the Consumer Financial Protection Bureau ( CFPB ) to ensure compliance with all applicable laws and policies. Given the circumstances, I am requesting a detailed explanation of the method of investigation conducted by the credit reporting agencies, as outlined in 15 USC 1681i. It is crucial to me that the reinvestigation process is thorough and comprehensive, considering my concerns about the accuracy of the initial verification.

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 2024-07-22 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: AL

Complaint narrative:
I am not liable for this debt with XXXX XXXX, they did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation