vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit Report Dispute In a recent submission, I inadvertently attached incorrect documents to my dispute filings. I apologize for this oversight and wish to clarify that the issues and accounts I am disputing remain unchanged. I am submitting this revised dispute to provide the correct documentation for your review. 

Investigation of Inaccurate Credit Report Items is in Violation Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report To Whom It May Concern, I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-01 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: ID Analytics, Inc.
State: AZ

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Re : Formal Complaint Regarding Violation of FCRA and Improper Reporting of Paid Collection To Whom It May Concern, I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate and improper reporting of a paid collection on my credit report. First of all it should never have been reported as a collection, I switched service addresses with XXXX  and instead of transferring services they created a whole new account instead of doing it properly. Despite paying this account in full, the creditor and the credit reporting agencies continue to inaccurately report it as unpaid or unresolved. This failure to update and verify accurate information is a clear violation of FCRA regulations, particularly 611 ( a ) and 623 ( a ) ( 1 ) ( A ). 

Under the FCRA, furnishers and credit reporting agencies are required to ensure the maximum possible accuracy of consumer credit reports. The continued reporting of this paid collection account demonstrates blatant noncompliance with these standards. Additionally, I suspect that the XXXX system, which automates dispute processing, has failed to adequately investigate my dispute, violating my rights as a consumer. 

Specific Issues : 1. Violation of 611 ( a ) : The credit reporting agencies failed to perform a reasonable reinvestigation of the dispute I submitted regarding this account. 
2. Violation of 623 ( a ) ( 1 ) ( A ) : The data furnisher failed to report accurate information after being notified of the error. 
3. Improper Use of XXXX Codes : The use of inadequate XXXX codes likely resulted in an automated and insufficient dispute resolution process, failing to address my specific concerns. 

Requested Action : I demand the immediate removal of this collection account from my credit report as it has been paid in full and should no longer be reported as derogatory. Failure to correct this matter will leave me with no choice but to escalate this issue, including filing a formal complaint with the Federal Trade Commission ( FTC ), exploring legal action, and seeking statutory damages for willful noncompliance under 616 of the FCRA. 

Attached, please find copies of the following : 1. Proof of payment for the collection account.

2. A copy of my credit report highlighting the inaccurate entry. 

I expect your acknowledgment of this complaint and resolution of the matter within 15 days, as outlined in the FCRAs procedural timeline. 

Sincerely, XXXX XXXX Enclosures : Proof of Payment, Credit Report Highlights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I made a purchase with XXXX on their website on XX/XX/year> order # XXXX tracking # XXXX XXXX  via my navy federal debit card this package was supposed to be delivered on XX/XX/year>. Package said it was delivered and when you trace the tracking # and confirmation is of tires. I never ordered tires from XXXX I ordered a pair of men new balance size XXXX. I never knew XXXX sold sneakers Ive been at this address for over 17yrs. Protocol is when a carrier delivers a package a picture is taken XXXX  nor XXXX can provide me proof of delivery Ive been at this address for over 17 years and have never ever had an issue with any packages navy federal refuses to retrieve my funds of {$150.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
When my husband passed away XX/XX/XXXX he owed Chase over {$5000.00}. I was worried that with the interest I would not be able to pay this amount off. I took a balance transfer from one of my credit cards at a lower interest rate to pay it off for {$5000.00} on XX/XX/XXXX. I found out the next day that I was not responsible for my husband 's debt. I called my credit card company first to stop the transaction since it had not yet posted and they said the transaction was already being processed and that I should call Chase. I called Chase and they agreed that I was not responsible for the debt and said that once the transaction was complete they would return it to my credit card company ( XXXX ). After several days passed and the money was not returned I called Chase, they asked me to submit a death certificate and a letter explaining why I wanted the money returned which I mailed to them. I called a week or so later and they confirmed they received the letter. I also called XXXX since the money was supposed to be returned to them, they opened a case and said they would follow also follow up with Chase. XXXX called back several weeks later, they asked if I had heard from Chase. They said they had not received the money and despite several attempts they had received no response from Chase but there was some sort of time limit and they still had some time. XXXX called again several more weeks later saying that they still had no response from Chase and asked if we could 3 way call them which we did. They told us that my request had been denied. We asked why and the person we talked to said we they could not tell us but I could submit another request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My father, possibly someone else close to me, took out title loans and life insurance on me. XXXX XXXX  has a policy that I didn't create, using my social security number. XXXXXXXX XXXX XXXX also has an account that I didn't make using my information. I am certain that several members of local law enforcement are involved. My phone number is 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 2024-12-01 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX 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 2024-12-01 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX 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 2024-12-01 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
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 Dear XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX Re : Request to Block and Delete Accounts Pursuant to 15 USC 1681c-2 ( A ) I am writing to inform you that I am a victim of the data breach that occurred at XXXX in XXXX, and The XXXX aka XXXX XXXX XXXX XXXX of XX/XX/XXXX, As a result I am requesting that you take immediate action to protect my personal and financial information. 
Because of this breach I believe the following inquiries were allowed 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 XXXXXXXX Pursuant to 15 USC 1681c-2 ( A ), I hereby request that you block and delete all accounts associated with my name and personal identifying information. This includes, but is not limited to, any credit accounts, inquiries, and other information that may be contained in my credit file. 

I would appreciate it if you could expedite this request and confirm in writing that the block and deletion have been completed. Please send a copy of the confirmation to the address listed above. I have submitted proof of both data Breaches swear under pains and perjury that I was in fact infected and the following inquiries are infact Fraudulent Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and TransUnion LLC Re : Request to Block and Delete Accounts Pursuant to 15 USC 1681c-2 ( A ) I am writing to inform you that I am a victim of the data breach that occurred at XXXX in XXXX, and The XXXX aka XXXX XXXX XXXX XXXX of XX/XX/XXXX, As a result I am requesting that you take immediate action to protect my personal and financial information. 
Because of this breach I believe the following inquiries were allowed 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 Pursuant to 15 USC 1681c-2 ( A ), I hereby request that you block and delete all accounts associated with my name and personal identifying information. This includes, but is not limited to, any credit accounts, inquiries, and other information that may be contained in my credit file. 

I would appreciate it if you could expedite this request and confirm in writing that the block and deletion have been completed. Please send a copy of the confirmation to the address listed above. I have submitted proof of both data Breaches swear under pains and perjury that I was in fact infected and the following inquiries are infact Fraudulent Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In XXXX of XXXX, I made a purchase at GAP. The shipping bag was delivered to my home ripped open and missing numerous items from it. I immediately contacted GAP who provided no assistance and told me to open a claim with my credit card ( Barclays Banana Republic Card. ) I opened a claim and GAP sent the credit card company a blurry photo of a delivery and stated that the items were delivered. I provided proof that the bag was delivered empty and missing items ( including delivery photo proof and camera proof ) but the credit card company has refused to settle the dispute, claiming that GAP says they delivered the items. I provided proof of an open bag delivered showing how it was missing items, which is all that I can provide at this point since the items never made it into my possession. Clearly the credit card is on the side of the company and not me, the consumer, since this is a branded credit card. I have tried for months now to try and resolve it and keep being told different stories every time I speak with someone. I have called multiple times, opened countless messages through their portal, and patiently waiting for communication since XXXX. I am just looking to get my money back at this point and then never use this credit card again since all of their consumer protections are just a bunch of lies. The total for the missing items from that order was around {$210.00}.

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 2024-12-01 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: MD

Complaint narrative:
According to Section 604 of the FCRA, a consumer reporting agency is only permitted to provide consumer reports certain entities and for specific purposes. These inquires were made due to identity theft and I would like for them to remove within 4 days. I am writing to formally dispute certain inquiries listed on my credit report that are unauthorized and inaccurate. Please remove 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