vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to request urgent assistance with a XXXX payment issue involving my account at Chase. Below is a detailed explanation of the situation : My father, XXXX XXXX, passed away on XX/XX/year>. 
My aunt, XXXX XXXX, sent me {$650.00} for funeral expenses. Additionally, my cousins husband, XXXX XXXX XXXX XXXX XXXX son-in-law ), sent me {$250.00} because I was short for the funeral costs while waiting for a XXXX ( XXXX  ) withdrawal to process. 
My XXXX ( XXXX  ) payment and paycheck both posted to my account on XX/XX/year>. On the same day, I sent my aunt XXXX XXXX payments : {$650.00} and {$250.00}. 
I later learned that my aunt no longer had the phone number associated with her XXXX account listed in my records. She informed me that she never received the payments. 
I contacted Chase customer service, and a representative informed me that the recipient of my XXXX payment was a Chase cardholder. I was told the recipient simply needed to confirm that the funds were received in error, and Chase would credit my account. Chase temporarily credited the {$900.00} back to my account. 

To ensure I had the correct XXXX contact, I sent my aunt {$1.00}, confirmed she received it, and then sent her {$890.00}. However, shortly afterward, the {$900.00} was debited from my account again because Chase claimed they could not contact the recipient who had mistakenly received the funds. 

I then spoke with a supervisor named XXXX, who said she could not verify the name of the representative I previously spoke to. XXXX informed me that Chase could not assist further because the payment was " authorized, '' despite the fact that I did not knowingly authorize it to go to the wrong recipient. I also did not receive a standard XXXX confirmation text, which I typically receive for other transactions. 

I explained to XXXX that this is a significant amount of money ( {$900.00} ) and emphasized that I would never knowingly send funds to a stranger. Despite my XXXX years of being a Chase customer, I was told that nothing more could be done. She even suggested I close my account, which I found highly unhelpful and disrespectful given the circumstances. 

This situation is entirely out of my control. I have any documentation needed to support my claim, including transaction records and communications. I respectfully request that Chase reevaluate this matter and assist me in recovering my {$900.00}. 

Thank you for your attention to this matter. I look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Credit file showing accounts that arent mine. XXXX XXXX XXXX with a balance of XXXX open XXXX  years and multiple jpmorgan accounts. All open in states ive never lived. Contacted XXXX amd no record of my social on file made fraud reports and freezes with XXXX  and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 2024-12-13 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: IA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXXXXXX XXXX  Account Number : XXXX Disputed Information : Date of Last Activity : It shows XX/XX/year>, which might be inconsistent if the account has already been closed or hasnt had recent activity. 
It is marked as " Derogatory '', but the balance is {$0.00}, and the account is closed. This could be inconsistent, as an account with no balance should not have a derogatory rating. 
TransUnion categorizes the account as " Savings and Loan Companies '', while other agencies classify it as " XXXX XXXX XXXX '' or " XXXX XXXX. '' This classification might be incorrect if the loan wasnt from a savings and loan institution. 
Payment History : It states " None Reported, '' which could be inaccurate if the account had payment activity before being closed. 

Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section XXXX ( a ) ( XXXX ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section XXXX : Right to dispute inaccuracies and request investigation. 
XXXX. Section XXXX ( a ) ( XXXX ) : Removal of unverifiable information dont validated for creditor Original. 
XXXX. XXXX XXXX XXXX XXXX ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of XXXX  days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in XXXX XXXXXXXX XXXX XXXXXXXX. Additionally, I referenced XXXX XXXX XXXX XXXX ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under XXXX XXXX XXXX XXXX, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: AR

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
experience contacted my family memebers giving them information related to a debt that I have no knowledge of. These addresses are fraudulent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : XXXX XXXX : XX/XX/XXXX Content of Complaint : This complaint has been filed with the CFPB to formally request, pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ), that XXXX XXXX XXXX XXXX, and Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud. According to the provisions of this law, you are required to block such information within XXXX business days of receiving this request. The fraudulent, inaccurate, and false information includes personal credit accounts and records, specifically : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Additionally, these fraudulent accounts have resulted in multiple unauthorized hard inquiries and collections being reported on my consumer FICO credit report. 

It is also important to note that the presence of this inaccurate information conflicts with the broader provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which require the accurate and fair reporting of consumer credit information. This request is made in accordance with FCRA XXXX and the general principles of the FCRA, without invoking or relying on the dispute procedures outlined in 15 U.S.C. 1681i. 

I have attached the following supporting documents for your review : A list of the hard inquiries in question. 
A copy of my consumer FICO credit report maintained by XXXX showing the fraudulent items. 
A copy of the FTC Identity Theft Report ( Criminal Complaint Number : [ Insert Number ] ) confirming the identity theft. 
I do not recognize the aforementioned accounts, collections, or hard inquiries. These were not opened, initiated, or authorized by me. All are the result of identity theft and fraud. 

In accordance with FCRA XXXX, I request that XXXX take immediate action to block this information from my credit report and confirm once the corrections have been made. Additionally, I request that all written confirmations regarding this complaint be sent to me via email at the address provided herein. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : XXXX XXXX : XX/XX/XXXX Content of Complaint : This complaint has been filed with the CFPB to formally request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that XXXX XXXX XXXX Experian, and XXXX block XXXX appearing on my consumer credit report that is the result of identity theft and fraud. According to the provisions of this law, you are required to block such information within XXXX business days of receiving this request. The fraudulent, inaccurate, and false information includes personal credit accounts and records, specifically : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Additionally, these fraudulent accounts have resulted in multiple unauthorized hard inquiries and collections being reported on my consumer FICO credit report. 

It is also important to note that the presence of this inaccurate information conflicts with the broader provisions of the Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ), which require the accurate and fair reporting of consumer credit information. This request is made in accordance with FCRA XXXX and the general principles of the FCRA, without invoking or relying on the dispute procedures outlined in XXXX XXXX. XXXX. 

I have attached the following supporting documents for your review : A list of the hard inquiries in question. 
A copy of my consumer FICO credit report maintained by XXXX showing the fraudulent items. 
A copy of the FTC Identity Theft Report ( Criminal Complaint Number : [ Insert Number ] ) confirming the identity theft. 
I do not recognize the aforementioned accounts, collections, or hard inquiries. These were not opened, initiated, or authorized by me. All are the result of identity theft and fraud. 

In accordance with FCRA XXXX, I request that XXXX take immediate action to block this information from my credit report and confirm once the corrections have been made. Additionally, I request that all written confirmations regarding this complaint be sent to me via email at the address provided herein. 

Thank you for 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 2024-12-13 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: FL

Complaint narrative:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA XXXX ( XXXXXXXX XXXX  XXXX ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME XXXX XXXX DATE OPENED : XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear TransUnion, Re : Dispute of Unauthorized Inquiries on My Credit Report I am writing to dispute unauthorized inquiries on my credit report. Upon reviewing my credit report, I noticed the following inquiries that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request that you investigate these inquiries and remove them from my credit report, as they are unauthorized and inaccurate. 

I would appreciate it if you could expedite this matter and correct my credit report as soon as possible. Please send me a revised copy of my credit report once the disputed inquiries have been removed. 

Thank you for your prompt attention to this matter. 

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 2024-12-13 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 non-monetary relief
Consumer complaint received 2024-12-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below I demand that the following account be verified or removed immediately : ( XXXX  } In addition, please remove all non-account holding inquires over XXXX  days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: AR

Complaint narrative:
My credit report contains several billing errors that I recently noticed. The late payments listed are incorrect given my usual payment record. Kindly correct this and update my account. Thanks in advance!

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