vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The credit reporting agencies have inaccurately attributed a bankruptcy listing to the US Bankruptcy Court as the source of this information. This data can not be substantiated or validated, as the courts do not engage in the verification of bankruptcy listings. Instead, this information was obtained from a third-party reporting agency and should therefore be removed.

According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 5 ), if the credit bureau is unable to validate information with the original creditor, they are obligated to remove it from the consumer 's credit file. The Bankruptcy Courts have also confirmed that they do not furnish informat
ion to credit reporting agencies and do not validate or confirm public records. These records are collected by credit reporting agencies and third-party providers, and they are not validated by the U.S. Court system due to privacy laws. 

Inquiries made to the U.S. Bankruptcy Courts have verified that Experian Credit Bureau has never validated or verified these public record entries on my credit report, nor will they do so in the future. It has been emphasized that the U.S. Bankruptcy Courts are not liable for the misuse or dissemination of incorrect public records, often reported by third parties without the consumer 's knowledge.

Given the potential violation of the Fair Credit Reporting Act, I am requesting the immediate permanent deletion of the bankruptcy information associated with my social security number from my credit report. Experian Credit Bureau is also required to provide me with copies of all documentation related to these Public Record Accounts, including any court orders or authorizations bearing my signature, which would authorize the inclusion of this information in my credit report. 

To comply with the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are obligated by federal law to physically verify the original signed consumer contract and/or judgments for all accounts and public information reported on credit reports. Failure to do so could lead to the inclusion of fraudulent or erroneous account information.

If this unauthorized public record information is not removed from my credit report within the next 30 days, I reserve the right to pursue legal action against the EXPERIAN Credit Reporting Bureau. I will seek damages of no less than {$5000.00} for various reasons, including but not limited to defamation, negligent enhancement of identity fraud, violation of the Fair Credit Reporting Act, and Consumer Financial Protection Bureau regulations. 
Please make these credit reporting agencies comply, 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 2023-10-10 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: MI

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-10-10 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: 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. 

XXXX XXXX XXXX XXXX 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. Or list of inquiries 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 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 2023-10-10 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: 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. 

XXXX XXXX XXXX XXXX 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. Or list of inquiries 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 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 2023-10-10 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: NY

Complaint narrative:
I am writing to delete the following information on my Consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my Consumer report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family and also trying to start my kids a business.

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 2023-10-10 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: SC

Complaint narrative:
I filed an FTC Report because there were inaccurate/unauthorized accounts on my report and nobody would not help me get fix this.

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 2023-10-10 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: SC

Complaint narrative:
I filed an FTC Report because there were inaccurate/unauthorized accounts on my report and nobody would not help me get fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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: 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. 

XXXX XXXX XXXX XXXX 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. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-10-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/, I disputed my transaction with XXXX, a house inspector company. XXXX, the owner of XXXX, stated that he never spoke with me or communicated with me in any manner. I have sent Chase proof that we did, indeed, communicate on XX/XX/XXXX at XXXX XXXX. I even resent more proof of set messages. I explicitly stated to them that the report was flawed and that he didnt perform a thorough job. For instance, he did not inspect my roof. He falsely alleged that my skylights would leak and they have not. He stated the flashing was missing, which it is not. My flashing is built into the skylights. I attached receipts from the XXXX XXXX that prove the flashing is in the skylights ( built-in ). If he were a professional, he would have known that. He also stated my stove was not converted properly but it is. He did an insufficient job and he rushed through the job, which he admitted to when he wrote I did the job in haste- which I have emailed Chase proof of prior to this letter. I also had another home inspector come by and perform a thorough job and they wrote a letter out of courtesy to Chase explaining that the report was falsified information. I was willing to negotiate with XXXX, the owner, but he clearly stated I do not negotiate. I have done all I can on my end but I refuse to pay full freight for a sloppy job with inaccurate results. Chase denied my claim a day after I submitted it -- not the greatest customer service! I am very disappointed that they haven't taken my dispute seriously at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. NISSAN-INFINITI XXXX XXXX was still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-10-10 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:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-10-10 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:
XXXX XXXX XXXX, XXXX XXXX XXXX is inaccurately reporting that this account has late payments. I noticed on a previous statement that they have a person named XXXX also with the same account number listed on my same statement. This is the source of the problem. My name is XXXX XXXX XXXX XXXX and I have never missed a payment and paid that account off a long time ago. They even have the wrong name on the statement. Its very strange what they have done.They have my account confused with as much as two different people! I spoke with the manager there and they have agreed multiple times to delete this account or update it to never late as it should be. However now they keep avoiding me and telling me the manager is out and that he will call me. They never all and are clearly dishonest and shady people who know they are not complaint and are choosing the not acknowledge the error and keep reporting to the credit reporting companies that the status they report is accurate. See the attached document it proves there is great confusion within their system and that it should not be trusted. You all are required to comply with FCRA and FDCPA and delete this account immediately since its clear there is obvious identity theft and unfair reporting practices by this data furnisher or creditor. This account is causing severe impact to my financial, and work life. My health and family life is greatly impacted. It is very inhumane to and down right wicked to be so callus and apathetic about this issue. I should not have to ask again. Please delete this account and keep it off my report.It is a lie to report this as verified! This is preventing me from getting lifesaving medical treatment! I am going to make this public. I could potentially die because this company won't comply with FCRA and FDCPA laws and delete this 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 2023-10-10 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: SC

Complaint narrative:
I filed an FTC Report because there were inaccurate/unauthorized accounts on my report and nobody would not help me get fix this.

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 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Cancelled Chase Sapphire card in XX/XX/2023. Was told, on recorded line, that yearly fee would be credited and account closed. Received statement with yearly fee, late charges and interest. Attempted to resolve with customer service. Told that some, but not all fees can be credited. Ask to speak with supervisor and told, in recorded line, that could not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
I got a car XXXX XXXX and since I've gotten the car it's been nothing but issues. Santander is the lending company I've been dealing with. I'm on a fixed income and have talk to multiple people about it. I pay what I can and sometimes pay multiple times a month but the late fees seems to be either the same or more than the actual note. Lately they have been calling and threating repossession. Ive talked to them about what i need to pay to get my car out of repossession and I have been able to pay that amount. There is a 3 day holding when I pay. When I get the confirmation that I paid the calls stop but as soon as they take the money out of my account they are back calling me saying my car is up for repossession. I have tried multiple times to talk to somebody about help and they constantly deny me. Then when I find someone who is willing to give me the information I need to fix it. I get a call from someone else back telling me that I need to pay the full balance immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: NJ

Complaint narrative:
On XX/XX/21, Deposited XXXX payroll checks totaling {$1200.00} into CHASE CHECKING Account # XXXX. I Tried to use debit card, days later and account was closed. Tried to login via computer and was not able to get access as account was closed. I have called the XXXX # approximately XXXX to XXXX times during the course of the past year, they claim that the need to " SPEAK WITH THE MAKER OF THE CHECK ''. I no longer work for that company and they moved to a new location and changed their phone number. Chase states that the new phone # for the business is not listed on their internal system, I have been getting the same " NEED TO SPEAK WITH MAKER '' for more than a year, as of the time of this complaint filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CCF Intermediate Holdings LLC
State: VA

Complaint narrative:
Payday loan taken in XXXX and repaid over double amount borrowed. Interest rates does not comply with laws of Virginia. 

https : //law.lis.virginia.gov/vacode/title6.2/chapter3/section6.2-312.

The state of Virgina caps interest rates on lines of credit at 36 %. Payday lender sold account to collection agency - XXXX XXXX which has reported the debt to all XXXX credit bureaus since XX/XX/XXXX. I have reached out to both companies requesting my initial contract and payment history and have not received it. I explained that because the loan was predatory and now unlawful, it should not be reported on my credit reports. I still have not received any responses but was sent a settlement offer decreasing the {$1300.00} to {$1000.00}. I declined the offer and asked for my contract and payment history.

Company response to consumer: Closed with explanation