vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I was contacted by an employer who was using an official email address of a non-profit organization. They told me to deposit a check worth {$2100.00} in order to begin the employment. I soon realized this was a employment scam, but by the time I realized the check had already landed in my account. At the start of XXXX, XXXX restricted my bank account because the check was flagged in the system. I've called and asked them to return the check on their end, however they told me they were unable to do so. I then asked to be forwarded to an account specialist, which told me the check was able to bounce within the next 3-5 business days. This account specialist also made is crystal clear after I inquired, that my account would NOT be closed. Please contact the JPMorgan Chase for the call records. Then, {$2100.00} was withdrawn from my restricted account by Chase on XX/XX/XXXX. I called in to ask if the check has been bounced, and they told me that it has, and my account would be unlocked in the following 3-5 business days. On XX/XX/XXXX, I logged onto my account to see that my checking account was closed by the company, contradicting the claims made by the employees on the other end of the support call. JPMorgan Chase refuses to act on my behalf, even after explaining to them my situation and the attempted job scam. Now, they have {$2100.00} of my money suspended, and after visiting a branch employee, they still refuse to act on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-07-11 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: MI

Complaint narrative:
On XX/XX/year>, Experian received a letter from me via Certified Mail. I have added a screenshot of the United States Postal Service mailing information for said letter within this mailing as proof. I have also included a copy of the original letter Experian received. My initial letter stated the following After reviewing my credit report in detail, I have found multiple inaccuracies on multiple accounts. I would like these accounts to be re-investigated. FTC credit reporting laws ensure that credit bureaus report only 100 % accurate credit information, and that every step possible is taken to ensure accuracy. 

I am requesting the following information to be re-investigated to ensure everything pertaining to my credit report is correct. I also ask that you would send proof to me via mail, pertaining to all investigations, specifically those you believe to be accurate. I also ask that you provide the correct name, address, and telephone number for each creditor sighted below. 

I am aware that by federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised, a full description of the procedure used to determine any discrepancy I have sighted below to actually be accurate information is hereby requested via mail within fifteen ( 5 ) days of the completion of your re-investigation. 

Please provide proof of the following for the accounts listed below : Payoff Disclosure ( if applicable ) Interest Rate Disclosure Balance History Payment History Credit Insurance All information sighted below At the time I am writing this complaint, it is now XX/XX/year> ; 32 days after my initial letter was received by Experian. I have also enclosed a copy of my credit report dated XX/XX/year> which shows that the disputed account below has not been removed from my credit report. 

I am aware that The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to investigate disputes within 30 days of receiving them. At this time, I have not received any information from Experian stating that an investigation has been started nor completed concerning this specific account. I have also not received any requests for, nor have I submitted any additional information, which I am aware would extend the timeline to 45 days for 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 explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On Saturday XX/XX/year> I attempted to pay bills with my Debit card. The card Declined regardless of more than sufficient funds in the account. I called the 24 hr service holine and got told the card was locked due to an attempted charge of {$29.00} was attempted multiple times at a XXXX store. Was recommended to have the card replaced I agreed. Monday morning I called to make sure the card had been ordered. Was told yes but it was canceled due to a fraud investigation. Later that night my online banking had been disabled. Now I'm waiting for repossession of my vehicle because my funds are locked away from 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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I am filing this complaint because the reported debt is erroneous on several grounds. Firstly, the debt appears to be a duplicate entry, causing an inflated total balance that misrepresents my financial situation. Additionally, the report contains missing information that impacts its accuracy, such as omitted payments and transactions. My personal information is incorrectly listed, adding to the confusion and potential mix-up with another individual 's debt. Unauthorized charges have been included in the debt, which I have not consented to. The creditor has failed to provide proof of the debt 's validity or any contractual obligations that bear my wet signature. The reported balance owed is incorrect, and the payment history is inaccurately portrayed, showing late payments where timely payments were made. These cumulative errors violate the Federal Credit Reporting Act ( FCRA ) and necessitate immediate correction to reflect an accurate and fair credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: NY

Complaint narrative:
I myself XXXX XXXX XXXX will like to request a RE-INVESTIGATION on Account that is negatively impacting my profile. There is still inaccurate claims on my report. 
Pursuit 15 usc 1681 accuracy and fairness of a credit report according to the law before any information is inserted it should be accurate. I am aware of the law. XXXX has adhered and deleted the negative account however, XXXX and Equifax is still reporting this collection. I have contacted for a very long time, mail and phone calls. And no positive resultsa. I am placed on hold for hours and treated very unfair. 

PLEASE HELP I AM FUSTRATED AND DOING MY BEST

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: NY

Complaint narrative:
I myself XXXX XXXX XXXX will like to request a RE-INVESTIGATION on Account that is negatively impacting my profile. There is still inaccurate claims on my report. 
Pursuit 15 usc 1681 accuracy and fairness of a credit report according to the law before any information is inserted it should be accurate. I am aware of the law. XXXX has adhered and deleted the negative account however, Experian and XXXX is still reporting this collection. I have contacted for a very long time, mail and phone calls. And no positive resultsa. I am placed on hold for hours and treated very unfair. 

PLEASE HELP I AM FUSTRATED AND DOING MY BEST

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 2024-07-11 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX never late! I have had exceptional payment history witH XX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8

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 2024-07-11 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: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. -According to the Fair Credit Reporting Act ( FCRA ) section 611. It is illegal to report inaccurate information on my credit report. Please remove this item from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: CA

Complaint narrative:
I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. 
I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency. The information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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:
After examining my credit report, I identified inaccurate accounts that were not the result of an error.

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 2024-07-11 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: GA

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

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 2024-07-11 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: IL

Complaint narrative:
On XXXX I submitted a complaint to TransUnion stating numerous unauthorized hard inquiries are being reported on my credit report that I did not authorize. 

TransUnion mailed me a letter on XXXX explaining inquiries on my credit report. See the attached letter as proof. 
TransUnion has ignored and neglected the fact I stated the reported inquiries were unauthorized. 

Note : I disputed the same inquiries with TransUnion on/ around XX/XX/XXXX in which TransUnion ignored the request and mailed me a letter dated, XX/XX/XXXX ( attached as proof ) TransUnion is in violation of the law and I am requesting immediate action be taken. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( c ) ( 1 ) ( B ), you are required to have a permissible purpose for accessing my credit information. Therefore, I request that you provide documentation verifying that I authorized each of these inquiries. 

If you are unable to provide proof of my authorization, I kindly request that these unauthorized inquiries be removed from my credit report immediately to correct this discrepancy as per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which obligates credit reporting agencies to investigate disputed information and correct any inaccuracies I am writing to dispute the following hard inquiries listed on my credit report, as I do not recall authorizing them. These inquiries are negatively impacting my credit score, and I request that you provide permissible proof for each inquiry or remove them from my credit report promptly. 

The inquiries in question are : XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX 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 explanation
Consumer complaint received 2024-07-11 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: TX

Complaint narrative:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

Company response to consumer: Closed with explanation