vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-09-13 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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 non-monetary relief
Consumer complaint received 2024-09-13 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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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 2024-09-13 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: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-09-13 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: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-09-13 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: WI

Complaint narrative:
I recently checked my credit report and saw that accounts reporting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
This company is reporting to my credit report for a XXXX bill/account that I do not owe. I went to this cable company directly and all bills and equipment has been returned and paid to a XXXX balance. I have also submitted several request to this debt collector so I can obtain the debt validation. I would also Like to see what documents or method of verification they have provided to XXXX to prove this is a valid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: GA

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, fraud was committed against my account. Four seperate charges in the amounts of XXXX, XXXX, XXXX, and XXXX were charged on my account between XXXX and aproximately XXXX from a purported vendor that I never purchased from before. I reported the fraud and confirmed it the following day. My previous card was canceled and a new card issued. In XXXX I received notice mail that the purported vendor sent " proof '' of the transactions and that the " goods '' were " delivered '' and that all the charges were to be added back to my account, despite the fact that I never received notice by mail of this purported " proof ''. When I reviewed the " proof '' which was a " invoice '' it was clearly fraud. The each seperate invoice indicated that the transactions occurred from seperate IP addresses located in XXXX, XXXX, XXXX, and XXXX. Further, I am the only one with access to the card, the invoice used an email address that I never used, the invoices contained no itemization of the alleged purchased items, and the invoices contained no tracking number. The only information related to myself was my name and address. I have called the bank several times disputing these charges and explaining that their investigation could not logically conclude that this was not fraud based on the information provided by the purported merchant. The bank suggested I call the merchant, which is an insane request given that they committed fraud against me, but I was willing to do so while on the phone with the bank, but to no surprise the alleged merchant did not pick up, and when you XXXX the merchant, nothing comes up. I also indicated to the bank that their investigation was cnegligent given that the " proof '' submitted by the vendor established fraud rather than dispelled it. I refuse to pay this amount and interest in aproximately {$10.00} has been levied on my account. Worst of all do to this amount being reflected as credit usage, my credit score went down XXXX points. XXXX has been outstanding since XXXX and on the most recent call with the bank, they claimed that they had up to 180 days to resolve this matter and was also very rude. I was looking at the market to buy real estate or a vehicle and I will have actual damages if I am stuck with a higher interest rate due to my credit score being lower. I have expressed this to bank representatives, but they clearly do not care. I need help resolving this matter as soon as possible.

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 monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My Chase bank account was closed on XX/XX/2023. I did not receive a refund for my remaining money. It has already been almost 10 months. I want to get my refund. Besides, my mailing address has changed. Since my account was closed, I can not change my address online. If you send me the check, please allow me to submit a new address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Account Number - XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. AGREEEMENT must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about the same alleged debt. I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, Experian, XXXX, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you Legally own this alleged debt and that it is accurate and complete. Thank you

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 2024-09-13 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: TN

Complaint narrative:
I recently review my credit report and noticed several inaccuracies on my account. This account is making it difficult to obtain credit. The account in question is being reported from XXXX different companies, as a collection and simultaneously as a charge-off. Here is the account ( s ) I am asking you to verify as accurate : XXXX XXXX XXXX XXXX  ; and XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
My SoFi Bank Account was restricted/closed in the middle of XX/XX/2024 & they wont give me a reason why, I believe someone accessed my online account & made fraudulent activity. I dont know that for sure but that was only thing they told me that there was fraudulent activity with my account. SoFi wont give me a reason why or how, or when will they release my available funds left

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: PA

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 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 2024-09-13 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:
This below mortgage account is still ACTIVE and NOT DISCHARGED THROUGH XXXX  XXXX AT ALL. I am currently paying and account is still ACTIVE and I am paying on time my mortgage payment to the mortgage company. Experian has totally INCORRECT information about this mortgage account indicating that it was discharged through XXXX  7 but its not so I am here requesting that they need to correct that incorrect information please. 

XXXX XXXX XXXX Your information may have changed since XX/XX/XXXX View your current credit report Account info Account name XXXX XXXX XXXX Account number XXXX Account type Mortgage Responsibility Individual Date opened XX/XX/XXXX STATUS XXXX THROUGH BANKRUPTCY XXXX  XXXX. 
STATUS UPDATED XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$250000.00} Highest balance - Terms - On record until XX/XX/XXXXXXXX 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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: VA

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Got an email saying that there was " suspected fraud '' on my account, and that I needed to call to provide more information. When I called, the goalpost had moved - they very definitively said that 1 ) they were closing my account, 2 ) they were absolutely not going to tell me why, 3 ) I would get check in the mail, and 4 ) I later was told that I would not be eligible to open another account. Point 4 was what honestly shocked me the most, because I have not done anything shady on the account at all. 

I went into a branch on the suggestion of one of the phone reps, who did seem sympathetic to my plight. However, there was no progress at the branch either. The woman was nice enough, and sympathetic to my cause as well. She did disclose that she had dealt with multiple other customers who had gone through the exact same process, and that they didn't have access to see why this decision was made, and that I had no path to appeal. It's a XXXXXXXX XXXX for them too, it seems. Super frustrating experience, with no way to advocate for myself as a legitimate customer. I canceled my CC with them after this, the whole ordeal left a bad taste in my mouth. 

I would love some more clarity or transparency from Chase, honestly even if they were to say " This action on your account was why we investigated you '' I could show them why it was not fraudulent, or even just KNOWING would be better than the empty plate I have been served. It's not looking out for us, it's looking out for them, I am aware that their interests come before mine. It just shouldn't be that way ... The last below escalated a complain but they will not return my call. Please let me know what we can do. 


Hi XXXX, Per our phone conversation, the number for our Operating Loss Prevention Team is XXXX opt # XXXX, where you can call to ask your follow up questions regarding the suspended funds. Also as requested, I have submitted another escalations to our Branch Complaints Escalations Group, you can expect a follow up from them in the coming days.

Again, I am sorry that I was unable to answer your questions today, but the above teams may have those answers for you. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Schedule a meeting

Company response to consumer: Closed with explanation