vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: NJ

Complaint narrative:
Certainly! Here 's a revised dispute letter using both 15 USC 1666b and 15 USC 1681b for each account : -- - XXXX XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX XXXX XXXX [ XXXX ] [ TransUnion LLC XXXX XXXX XXXX XXXX PA, XXXX Subject : Dispute of Inaccurate Credit Report To Whom It May Concern, I am writing to dispute several inaccuracies on my credit report, which I believe are a result of the XXXX XXXX breach that compromised my personal information. I am invoking my rights under 15 USC 1666b ( Timing of Payments ) and 15 USC 1681b ( Permissible Purposes of Consumer Reports ) to address these issues. 

1. XXXX XXXX Auto Loan** - **Account Date Opened : ** XX/XX/XXXX - **Issue : ** Late payments reported for XXXX and XXXX. 
- **Correction Requested : ** Reverse these to " Paid as Agreed '' under 15 USC 1666b, as payments were affected by the breach. Also, verify permissible purposes under 15 USC 1681b. 

2. XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : ** XX/XX/XXXX - **Issue : ** Late payments reported for XXXX, XXXX, XXXX, and XXXX. 
- **Correction Requested : ** Reverse these to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b. 

3. XXXX XXXX XXXX XXXX - XXXXBalance : ** {$6200.00} - **Issue : ** XXXX payments reported for XXXX through XXXX. 
- **Correction Requested : ** Reverse these to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b. 

4. XXXX XXXX XXXX Credit Card** - **Account Date Opened : ** XX/XX/XXXX - **Issue : ** Late payments inaccurately reported for XXXX and XXXX. 
- **Correction Requested : ** Reverse to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b. 

5. XXXX XXXX  Secured Credit Card** - **Account Date Opened : ** XX/XX/XXXX - **Issue : ** Late payments reported for XXXX and XX/XX/XXXX. 
- **Correction Requested : ** Reverse to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b. 

6. **XXXX  XXXX XXXX XXXX XXXX XXXX **Account Date Opened : ** XX/XX/XXXX - **Issue : ** Late payment reported for XXXX. 
- **Correction Requested : ** Reverse to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b.

Please update my credit report to reflect these corrections. I have enclosed copies of my credit report with the erroneous information highlighted and the settlement documents for your reference. 

Thank you for your prompt attention to this matter. Please confirm in writing that these corrections and verifications have been made. 

Sincerely, 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 2025-01-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
XXXX XXXX XXXX sent Barclay 's bank of Delaware a check for {$700.00} on XX/XX/XXXX they cashed it on. XX/XX/XXXX I have reached out to barclay credit card XXXX time so far and have only as of XX/XX/XXXX provided me a case number which is XXXX I spoke with agent XXXX she said it take up to XXXX billing cycles before a get a reply in the meantime they want me to continue making payments I told her that i'am not obligated to make any more payments on this account since you barclay bank cashed the check on XXXX and failed to post it to my account and I have proof of the check being cashed but barclay fails XXXX answer my concern and still has not resolved this issue XXXX XXXX used the account number that they have listed with the credit bureau and has put my name in the memo section of the check

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate and outdated personal information reflected in my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure my credit file contains only accurate, complete, and verifiable information. Additionally, I am requesting that this dispute be resolved in accordance with XXXX XXXX compliance and XXXX standards for accurate data reporting.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the accuracy and inclusion of outdated and incorrect address information on my credit file. Per the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and verifiable data in my credit report. Additionally, I request compliance with the XXXX XXXX and XXXX standards for accurate and uniform reporting.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a company called XXXX XXXX reporting on my credit bureau that isnt mine it says I co-signed and that is not the case my name was forged onto these documents by a car dealership MY legal name is XXXX XXXX XXXX and has been since XX/XX/XXXX the Loan documents states that XXXX XXXX XXXX signed the document I was a XXXX from XXXX XXXX and I remarried in XXXX of the same year but my License state on XX/XX/XXXX I was issued license with the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX this vehicle loan was taken out XX/XX/XXXX for {$16000.00} by XXXX XXXX and XXXX XXXX XXXX XXXX XXXX a XXXX at that time when I called the company I pleaded my case to them I even sent signature samples and the guy told me no these are not the same signatures then I sent over my drivers license that pretty much solved the case because when asked did they have a copy of the drivers license for XXXX XXXX XXXX that supported the claim they said no and that is a must or everytime I have purchased anything I have had my license copied and attached to documents they had no income statements nothing but a signature and this has forced me not to be able to purchase or finance anything

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I missed a payment due to a billing error and me switching jobs so my first few checks were sent mail instead of direct deposit, due to that a missed/late payment has been reported to my credit causing me to lose a housing opportunity due to my credit going down. This is my first missed payment and since then I have made a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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 XXXX XX/XX/year>, checks totalling {$33000.00} were deposited to my CHASE checking account due to a property sale. The bank has taken the money out of the sender 's bank account and deposited it to my account, but taken the money out of my account and has not released the funds to me. I have been contacting various departments including the fraud department, and their manager, and even filed a claim with the escalation department, but they are not releasing the funds.

I have been requesting the bank for a written explanation/notice on why they keep these funds, but they keep saying they can not provide me with those documents. The bank also closed my checking account without notifying me on XXXX XXXX  ( XXXX XX/XX/year> ) and has been holding the {$33000.00}. 

Their only solution is to contact the sender to confirm the checks, BUT THE SENDER IS OUT OF XXXX AND THEY HAVE NO CONTACT INFORMATION IN the XXXX. I keep telling the bank that the sender is not able to contact them, due to this situation, but the bank does not give me any other solution, and not my funds. 

It has been over a month and I have been going through a tough financial situation during XXXX and XXXX XXXX, without the bank trying to solve this issue. They have been wanting to keep the funds and not release them, without the bank providing any documents, written statements, notice, or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have received email ads and friend referrals for opening the American Express XXXX card with their sign up bonus. 

When applying, I am given a message saying I am not eligible for the bonus but I can still apply for the card. 

I have never had this card, my credit score is very good, I have not had any defaults, am employed with a high salary range and yet they are refusing the sign up bonus. 

So, I called them and asked them via chat and yet they fail to tell me why. They just XXXX message saying - " our system determines whether or not someone is eligible '' They are providing no specific reason why and this is very frustrating. If the system determines I am not eligible, I should be given the opportunity to improve it and how would I act up on it without knowing why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-01-11 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: FL

Complaint narrative:
XX/XX/year> Creditor information FLAGSHIP CRE 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 2025-01-11 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: AR

Complaint narrative:
Dispute Description : I am disputing an account reported by United Revenue Collection Service on my credit report. The company has responded to a previous complaint stating that the account " does not belong to them. '' This account is a collection account, not a repossession, and the reporting is inaccurate and unverifiable. 

Details of the Issue : The collection agency has disclaimed ownership of this debt, stating it does not belong to them. 

Despite this, the account remains on my credit report, which violates the Fair Credit Reporting Act ( FCRA ), as all reported information must be accurate and verifiable.

Resolution Requested : 1. Remove the collection account from my credit report immediately.

2. Conduct a full investigation to verify the validity of this account.

Supporting Evidence : Response from United Revenue Collection Service stating that the account does not belong to them. 


Thank you for resolving this matter promptly.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There has been fraudulent accounts made to my consumer report, there unauthorized charges made to my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There has been fraudulent accounts made to my consumer report, there unauthorized charges made to my account

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 2025-01-11 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:
I reached out to Experian, XXXX, and XXXX regarding inaccurate negative reports on my credit report. I specifically requested Experian to reinvestigate these claims, as I believe I was wrongfully accused. Despite my efforts and having the necessary paperwork to support my case, the issue was not reinvestigated. I want to resolve this matter amicably and without resorting to legal action, as I believe a fair review will clarify the inaccuracies on 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 2025-01-11 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: CA

Complaint narrative:
My Name is XXXX XXXX XXXX i am president of Nonprofit organization name XXXX XXXX XXXXXXXX XXXX and business account # XXXX with Chase Bank. The account was opened XX/XX/year> and I deposit the the funds in the account on XX/XX/year>. On XX/XX/year> until XX/XX/year> some one withdraw the money several time from the the account with ATM. Also some one deposit a fake three check in the account. But until XX/XX/year> i never received ATM from the bank. I noticed this all when i received the monthly statement. I contact with the bank file claims many time but they keep denying it. Then after two month they ask me file police report which i did and send them copy of it. But still until today they keep denying the claims and they blame on me. But here under oath i am telling you that i never used the ATM to with draw any money. At this point i called many time also talked with bank manager but claims department keep denying. Please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates On XX/XX/year>, I sent a Priority Mail letter to Portfolio Recovery Associates regarding an alleged collection account they had listed on my credit reports. 
I requested validation under the FCRA/FDPA along with corresponding local state laws. Validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 
Since it has been more than 30 days since I sent my letter to them without them providing the validation I requested, I am demanding that they permanently remove any/all negative information from my credit report as they are in violation of FCRA/FDPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: AR

Complaint narrative:
Failure to delete inaccurate, Incomplete, or Unverified Information in violation of FCRA 15 USC 1681i ( a ) 5 ( A ) Failure to provide notice of results of Reinvestigation in Violation of the FCRA 15 U.S.C 1681 ( a ) ( 6 ) A XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-12 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: AR

Complaint narrative:
Failure to delete inaccurate, Incomplete, or Unverified Information in violation of FCRA 15 USC 1681i ( a ) 5 ( A ) Failure to provide notice of results of Reinvestigation in Violation of the FCRA 15 U.S.C 1681 ( a ) ( 6 ) A XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This a request to have the following accounts removed in accordance to FCRA section 605 B. It is illegal to report any information on my credit report without my permission. The following are the accounts : XXXX XXXX XXXX  account number XXXX in the amount of {$750.00} XXXX XXXX XXXX XXXX account XXXX in the amount of {$6200.00} XXXX XXXX XXXX account number XXXX in the amount of {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CT

Complaint narrative:
I made a payment to the XXXX XXXX for {$380.00} on XX/XX/year>. I was informed by the XXXX XXXX account that the payment was rejected on XXXX by my bank even though the money was already pulled out of my account. The reversal should have went back to my bank account but here I am exactly a month later and no money has been reversed back into my account. 

XXXX XXXX has already conducted a full investigation on where the money is and they were unable to find any information whatsoever. I called Chime banking which is the external bank used to fund this transaction to get more info. They were extremely unhelpful in anything other than letting me know the money was taken out of my account. 

I had called to get the 15 digit tracing number that should be attached to ACH payments like this and they told me no such number on their end exists which is incorrect as I understand it that all payments should have a 15 digit tracing number. 

I currently have {$380.00} completely removed from my account and its whereabouts are no where that I can find. It's sitting in limbo between two banks and XXXX XXXX XXXX XXXX XXXX did their thorough investigation and found no money on their end. 

Chime Bank has been unhelpful in this and I need to know where my money has gone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX reporting beyond the time. Collection reporting beyond 5 year. No validation.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX  reporting beyond the time. Collection reporting beyond 5 year. No validation.

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