vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> I walked in JP Morgan Chase located at XXXX XXXX XXXX, XXXX, XXXX XXXX. As I was making a credit card payment of {$3000.00} to the teller. There was a XXXX American with a XXXX  accent standing on my left side, his attire was dirty as if he was working as an Auto Mechanic, however I over heard the teller that was serving this XXXX XXXX man say to her co-workers why is his clothes so dirty, Thereafter she asks for his identification as well as his Chase Bank XXXX, which he provided as I was finishing my transaction, she then asked that he provide a employment letter and/or retirement documentation, he was then in a confused state. I asked him his name he informed me. He asked why do I have to provide those document her response was " because I never seen you here '' she then inform another employee which was a man to speak to the confused customer. I remain in the bank to observe the awful behavior of the employees. He stated to her that it was his money and he needed it and he already provided her with the necessary documents. That is discrimination he utter and I adamantly agreed. I stated that his money is being held without probable cause, this is a crime and discrimination against him. I'm witnessing this take place and I was respectfully verbal. I walked out the Chase Bank and proceeded to leave in my vehicle, I then return to make sure that the unknown man was safe, and to get his name and number to make a complaint about what transpired. On XX/XX/year> I called Chase Sapphire for a unrelated issue, to no avail a XXXX informed me that my Chase Sapphire Credit Card was closed, I asked why he stated that I will get a letter in the mail I informed him that I pay me credit card payments on time and I begin to cry, because I know I did not do anything to cause this horrible thing to happen to me. So he place me on hold for a few minutes, and inform me that it was close for " Inappropriate Customer Conduct '' I had no idea what he was speaking about, then he asked did I go into any branch and have an dispute with an employee of chase I said no. It did XXXX on my at the present time what he was trying to insinuate. Afterwards while talking to my niece she brought the incident up with the unknown man at XXXX XXXX. I never had any altercation with no employee, so they fabricated a lie and this is why me Chase Sapphire Credit Card was closed this is discrimination against me as well because I insured the safety and fairness of a XXXX XXXX man as I'm a XXXXXXXX XXXX woman.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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:
I reviewed my XXXX Report and noticed that i had XXXX late payment on an account that i was never late for XXXX XXXX XXXX have assumed a vital roll and a have a responsability to report XXXX information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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:
I reviewed my XXXX Report and noticed that i had XXXX late payment on an account that i was never late for XXXX XXXX XXXX have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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 am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I am invoking my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) to have the following accounts and inquiries blocked and deleted from my credit file. 
Fraudulent Accounts : XXXX XXXX - XXXX - XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX - {$2200.00} XXXX XXXX - XXXX - XXXX - {$800.00} XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX BANK XXXX - XXXX - XXXX XXXX {$6800.00} XXXX XXXX XXXX - BENEFI***************** - XXXX - {$890.00} XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX {$4300.00} XXXX XXXX XXXX - XXXX - XXXX - {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$1800.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX - XXXX DT CREDIT - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I am invoking my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) to have the following accounts and inquiries blocked and deleted from my credit file. 
Fraudulent Accounts : XXXX XXXX - XXXX - XXXX - {$1100.00} CITIZENS PAY CREDIT LI - XXXX - XXXX - {$2200.00} CAPITAL XXXX - XXXX - XXXX - {$800.00} XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX BANK XXXX - XXXX - XXXX XXXX {$6800.00} XXXX XXXX BANK - BENEFI***************** - XXXX - {$890.00} XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX {$4300.00} XXXX XXXX XXXX - XXXX - XXXX - {$32000.00} XXXX XXXX XXXX  - XXXX XXXX XXXX - {$1800.00} Fraudulent Inquiries : 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 explanation
Consumer complaint received 2024-12-05 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: KS

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, KS XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, KS XXXX Employers : XXXX XXXX CO Collection/Charge Off XXXX OF XXXX XXXX XX/XX/XXXX {$7900.00} XXXX  XXXX XX/XX/XXXX {$0.00} CREDIT COLL ( Original Creditor : XXXX XXXX XXXX XXXX IN CO ) XXXX XX/XX/XXXX {$160.00} XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX IN CO XXXX XXXX XX/XX/XXXX {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX BANK DELAWARE ) XXXX XX/XX/XXXX {$5200.00} XXXX XXXX {$5200.00} Inquiries XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXXXX/XX/XXXX CAP XXXX NA XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD 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 explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My loan was transferred to Mr Cooper on XX/XX/2024. 
I've noticed there are six fraudulent payoff quote requests against my loan. The dates of the payoff quote requests are XX/XX/XXXX ( XXXX requests ), XX/XX/XXXX ( XXXX requests ), XX/XX/XXXX ( XXXX request ) and XX/XX/XXXX ( XXXX request ). 

There are fees ( {$20.00} for each request ) for these fraudulent requests added my monthly statement. 
I would like to request stopping this from happening again, checking how this has happened without my knowledge and refunding me the fees related to these fraudulent payoff requests. 

I've reached out to Mr Cooper customer service via live chat, requesting fees associated to these fraudulent payoff quote requests be removed but the customer service representative told me that is not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2024-12-05 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: GA

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: MS

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated.

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.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and th
is 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!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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:
My information was impacted by a data breach and Im noticing incorrect information reporting to my credit report across all 3 credit bureaus. Under the FCRA ( 15 U.S.C. 1681 ), I demand immediate removal of the inaccurate item ( s ) on my credit report. These errors are damaging, unverifiable, and possibly linked to identity theft. You have 30 days to resolve or face escalation to legal action. I have enclosed necessary documents to complete my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
My information was impacted by a data breach and Im noticing incorrect information reporting to my credit report across all 3 credit bureaus. Under the FCRA ( 15 U.S.C. 1681 ), I demand immediate removal of the inaccurate item ( s ) on my credit report. These errors are damaging, unverifiable, and possibly linked to identity theft. You have 30 days to resolve or face escalation to legal action. I have enclosed necessary documents to complete my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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:
My rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws have been violated, and it has caused significant harm to me. Let me explain the details : Willful Noncompliance ( FCRA Section 616, 15 U.S. Code 1681n ) : You reported credit information about me without verifying its accuracy firsthand. This willful noncompliance is a serious issue, and Im entitled to seek damages of up to {$1000.00} for each violation.

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : You failed to inform me of my right to opt out of sharing my personal information. This lack of disclosure is deceptive and violates my consumer rights.

Inaccurate and Misleading Reporting ( FCRA Section 623 ( a ) ( XXXX ) ) : Accounts and inquiries like XXXX, XXXX XXXX, and XXXX XXXX XXXX were reported inaccurately and without proper validation. This is unacceptable and does not comply with Generally Accepted Accounting Principles ( GAAP ). 
Violations of the Debt Collection Practices Act ( 15 U.S. Code 1692 ) : By reporting inaccurate debts without my consent, you engaged in unfair and harassing practices. These actions caused me unnecessary distress and unwanted contact from creditors.

Improper Disclosure of Debt Information ( 15 U.S. Code 1692b ) : Debt collectors shared my personal information with third-party agencies, wrongfully stating that I owed debts. This is a direct violation of the rules prohibiting such disclosures.

Deceptive Late Payment Reporting : You listed " late payments '' on my credit report without properly defining what constitutes a late payment. This misinformation is damaging to my credit reputation.

Failure to Accurately Determine Finance Charges : You failed to calculate finance charges accurately, which is your responsibility as a credit reporting agency.

Reporting Without Consent ( FCRA Section 604 ) : You reported information on my credit file without obtaining my written consent, violating the permissible purpose requirements under the law.

These violations have damaged my credit profile, caused me undue emotional and financial stress, and undermined my trust in the credit reporting process. To resolve this matter fairly, I demand the following : Immediate deletion of the unauthorized and inaccurate accounts, including : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) Proper validation of any remaining accounts. 

Assurance that these violations will not occur again in the future. 

If these issues are not addressed promptly, I will pursue the legal remedies available to me under the Fair Credit Reporting Act and other relevant laws. I trust youll take this matter seriously and resolve it immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I read a communication from TSI, dated XX/XX/year>, that contained a apartment lease as verification of debt. Pursuant to my rights under the Fair Debt Collection Practices Act 15 USC 1692G, on XX/XX/year>, I requested TSI to provide me with the following information : XXXX. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. Verification that you are authorized to collect this debt ; 4. A complete payment history of the debt ; 5. Has there been any insurance claims found on this debt ; 6. Proof that the statute of limitations has not expired on this debt ; 7. A copy of any agreement I signed agreeing to pay the debt ; and 8. A copy of any judgment against me if applicable. I also requested the information be provided within 30 days of receipt of this letter, as required by 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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:
" The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
phone call from XXXX XXXX from JP Morgan Chase XXXX that an application was submitted XX/XX/24 from North Carolina credit limit {$9500.00} advised did not apply she in turn will close account red flag for her that I am located in a different state

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : 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 2024-12-05 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: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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