vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Sir, Madam, or to whom elsewise it may concern, If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice before my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, XXXX, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly about the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX. Upon reviewing my consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

XXXX XXXX XXXX XXXX - XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my 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 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, cash was withdrawn from my account with a teller, I didn't notice the withdraw until XX/XX/year>, I called it in, and they told me it take three to five days, and they closed my account and gave me a new on. I went into the branch got my new account number and set up a passcode so this wouldn't happen again I tried to take extra security measures. I called almost every day to see if they to see if they had any updates. On the XXXX I spoke to a representative and they told me that they had stopped the investigation on the XXXX because they received an allege call claiming to unfreeze the account because it was a false claim. I never made that call they said that they reponed it when I called on the XXXX to ask if they had any updates and the processes started all over again mind you, I was never made aware the situation. The fraud representative told me they would expedite the case so I can get answers. On the XXXX money was withdrawn from a different branch and with a teller on the new account I was given. I have no idea how they were able to get this information in order to accesses my account online there is all these steps for verification, and I have no alerts. I reported to Chase various times that I am dealing with Identity Theft, and I have a police report. How these people got withdrew with money Chase Bank is unable to answer. I going to take extra measures to make sure Chase bank I liable for the money that was stolen from me. I spent various hours speaking to someone representatives and no one has been able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
XX/XX/year> - I opened up a case within CashApp support, this is when I was first told my account was paused. They stated they would transfer me to the specialized team, which could take up to XXXX business days to get back to me. Case number : XXXX XX/XX/year> - I received a direct deposit from my employer of {$310.00}, making my cash balance {$320.00} due to the money I had left over in my account. 

XX/XX/year> - I immediately got into contact CashApp support through the app first, I was speaking with an advocate who told me my account was closed. In CashApps ' handbook, it states that upon a closed account I will still be able to withdraw my funds, so I was confused because I couldn't. The advocate kept giving me the same calculated response on the terms of a closed account instead of trying to help me, eventually she ended the conversation. 

So, I called them instead, it was interesting because the advocate on the phone told me my account was frozen even though I was just told it was closed. CashApp doesn't really have any policies on a frozen account, it does state that within 24-48hours my account would be back but I opened up the case on this XX/XX/XXXX, yet I still have gotten no clarification. Basically, the advocate on the phone told me since my account is " frozen '' I can not withdraw MY money and I have to leave it to the specialized team to contact me. They said up to 10 business days and my case has already been extended to them XX/XX/XXXX, today marks the 10th day and still nothing. 

I feel I have been very patient with CashApp, however I am already finically struggling. I can not afford to wait another 10 business days for my funds. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: CT

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: VA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 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 explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: CA

Complaint narrative:
I am writing to address inaccuracies in my credit report regarding late payments. Upon review of my records, I have identified these erroneous late payment entries. I sent correspondence about this issue more than 30 days ago, but have not received any response or satisfactory validation of these reported late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: NY

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 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 explanation
Consumer complaint received 2024-09-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because Experian has failed to conduct a reasonable investigation into disputed information on my credit report, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to Experian regarding inaccurate items on my credit report. In my letter, I specifically requested detailed information on how Experian verified the disputed account, including : The date they contacted the creditor Contact information for the creditor Name of the person who verified the item Method of communication used to verify the information Whether the creditor provided my Social Security number, address, and date of birth for verification I included a copy of my proof of identification, my Social Security card, and a recent utility bill to verify my identity. However, on XX/XX/year>, I received a response from Experian via email stating that they would not process my request because it " didn't appear that you or a properly authorized third party sent it to us. '' This claim is incorrect, as I personally submitted the dispute with all necessary documents to confirm my identity. 
Under the FCRA, credit bureaus must conduct a reasonable reinvestigation if a consumer disputes the accuracy or completeness of any information in their credit file. Despite providing the required documentation, Experian refused to investigate my dispute, which constitutes a violation of my rights under the FCRA. 
The account I am disputing is my student loan account, DPT EDXXXX - XXXX. The credit report reflects late payments, which are incorrect because my loan was under forbearance during the period in question. As proof, I am including documentation showing that the account was in forbearance and should not have reported late payments on those dates. Experians refusal to investigate this matter and correct the inaccuracies is causing significant damage to my credit. 
I am including copies of the following documents : My original dispute letter sent to Experian. 
Experians response letter via email dated XX/XX/year>. 
Proof of forbearance for my student loan account ( DPT EDXXXX - XXXX ) for the dates in question

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 2024-09-27 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: IL

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I signed up for a Citi credit card which promised XXXX XXXX XXXXXXXX XXXX if I spent {$3500.00} in 3 months. They card was approved but with a very low credit limit which made meeting the required amount in 3 months difficult ( not impossible, but difficult ). There was no reason for this low credit limit. I have a credit score of XXXX and not an excessive number of cards. They also keyed my social security number in wrong making it impossible for me to set up my on line access ( they acknowledged this on the phone today that they keyed it in wrong after the card had been approved with the right SS XXXX ). I spent a large amount of time trying to sort this out which resulted in my true inability to take advantage of the miles offer. I believe they baited me with the offer and intentionally gave me a ridiculously low credit limit and then made it more difficult to achieve the bonus. I just cancelled my card and will not do business with them again. This seems like a scam to get people signed up for the card, not really give access to the miles offer and it took a lot of my time.

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 2024-09-27 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: CA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : 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 TransUnion 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

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 2024-09-27 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:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are the dates of withdraws that I didn't do. Before all of this, I had to get a new debt card because of couple of bad purchases I did not make.. When I received my new card these withdraws started showing up that I didn't do. I went to the bank to shut down my card again. I had the person print out my statement and all theses withdraws all for {$100.00} showed up. I know I did NOT withdraw these. Because I was at work on these dates. I explained to them that NO ONE had access to my card. I feel my card has been hacked or scanned somehow. They told me that there is no way this can happen. I know this CAN happen. I reported all this to Chase on Monday XXXX, XXXX. and requested a new debt card. And as of today I still haven't received my new card. They told me it would be 7 to 10 days. I can't pay any of my bills without my card. I hope you can PLEASE help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 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 2024-09-27 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:
Ive come across several billing errors on my credit report, especially late payments that are inconsistent with my regular payment behavior.

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 2024-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
{$520.00} credit card has been paid off to capital one on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-09-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief