vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate information on my credit report : SPECIFIC DISPUTED ACCOUNTS : 1. [ Account Name ] Account Number : [ XXXX ] Disputed Entries : [ Late Payments in XXXX ] Reason for Dispute : These entries are incorrect. The account was paid as agreed. 

LEGAL BASIS FOR DISPUTE : Pursuant to the Fair Credit Reporting Act ( FCRA ), I hereby dispute these entries based on the following legal provisions : 1. 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) : - I did not provide authorization for the reporting of these disputed items. 

2. 15 U.S.C. 605B : - It is illegal to report information on my credit report without my explicit permission. 
- These unauthorized entries must be immediately removed from my credit report. 

3. 15 U.S.C. 1681i ( a ) : - You are required to : a ) Conduct a reasonable reinvestigation within 30 days of receiving this dispute b ) Remove any information that can not be verified by the creditor c ) Provide me with written results of the investigation REQUESTED ACTIONS : 1. Investigate the disputed accounts with the respective creditors 2. Remove all unauthorized and unverifiable information 3. Provide an updated credit report reflecting the corrections 4. Notify all previous recipients of the report about the corrections DOCUMENTATION REQUESTED : Please provide : - Proof of authorization for reporting these entries - Original account documentation - Verification from the original creditor I emphasize that under FCRA Section 605B, the reporting of information without my permission is explicitly prohibited. I demand immediate removal of these unauthorized entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: GA

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ). 

i have ask the credit bureaus to delete account off my reports they refuse and allowing the company to report all of these account active all three of my credit report is outdated and wrong the address is not updated

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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 2024-12-17 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: MD

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and request that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my consent, and I request their immediate removal. 
The accounts in question are : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-12-17 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: MD

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and request that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my consent, and I request their immediate removal. 
The accounts in question are : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-12-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Unable to use Amex Gift card at any location or online store. Even locations that claim to accept Amex have declined purchases. Needing access to the {$150.00} on card balance. 

Can not use the card anywhere and have waisted countless hours and stores time with declining purchase issues. 

This has costed me more in the long run as Im forced to cover the cost when I should be able to use this card!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) called me from XXXX trying to collect on a debt I had already settled with a different collection agency over a year prior. When i asked for an explanation of benefits i was told that they could not give it to me because of hippa laws. They did send me an email with a pdf attachment showing the amount owed and who i originally owed it to but no explanation of services rendered or anything. The email they sent from was " XXXX '' They kept telling me that i owed XXXX to the hospital. I told them that i already paid off that debt. I sent them the offer letter given to me by the other collection agency when i paid it off along with the confirmation number associated with the payment. I also have the bank records to show that the payment went through. They said it was a different debt for the same EXACT amount from the same provider. I said that was extremely suspicious and told them i would need to call the hospital to verify what they were saying. I asked XXXX to provide me with the account number they had on hand from the hospital. It was a different account number than the one i had paid off. when i called the hospital they had no account tied to the number XXXX had given me. I believe they intentionally gave me a fake account number. The hospital had also stated that I only had one account on file with them and that it was settled in full and is closed out. I called XXXX back to explain the account number they gave me was invalid and that the hospital verified I no longer owe them any money and that they should check with the hospital to verify. He told me would not verify anything with them and that he was just going to report me to the credit reporting bureau. So they refused to verify the debt with the other collection agency who could show them its paid off as well as the hospital that showed the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-17 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: AZ

Complaint narrative:
XXXX XXXX has no account affiliated with my name. They can not offer me any information. They are reporting negative payment history since XXXX  and it is damaging my credit report. After my dispute a NEW ACCOUNT was opened without my knowledge!! I called and demanded that they close it immediately and DELETE THE PAST DEROGATORY REPORTS TO ALL ( 3 ) CREDIT REPORTING AGENCIES> they have NOT done this. I have disputed with all ( 3 ) Credit Reporting Agencies, only to have it show : " Updated and Accurate '' but when I call XXXX XXXX  they were not able to pull up an account associate with my NAME or Social Security number. Nothing. Yet, it appears on my credit reports?? Then a few months after my disputes, a NEW ACCOUNT OPENED with XXXX XXXX with a credit limit of {$850.00}!!!!! Without my consent. I called and told them to close that account immediately. This makes me wonder about our Credit reporting agencies really doing their job with investigations and accuracies and PROOF OF DEBT

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 2024-12-17 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: AZ

Complaint narrative:
XXXX XXXX has no account affiliated with my name. They can not offer me any information. They are reporting negative payment history since XXXX  and it is damaging my credit report. After my dispute a NEW ACCOUNT was opened without my knowledge!! I called and demanded that they close it immediately and DELETE THE PAST DEROGATORY REPORTS TO ALL ( 3 ) CREDIT REPORTING AGENCIES> they have NOT done this. I have disputed with all ( 3 ) Credit Reporting Agencies, only to have it show : " Updated and Accurate '' but when I call XXXX XXXX  they were not able to pull up an account associate with my NAME or Social Security number. Nothing. Yet, it appears on my credit reports?? Then a few months after my disputes, a NEW ACCOUNT OPENED with XXXX XXXX with a credit limit of {$850.00}!!!!! Without my consent. I called and told them to close that account immediately. This makes me wonder about our Credit reporting agencies really doing their job with investigations and accuracies and PROOF OF DEBT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: AZ

Complaint narrative:
XXXX XXXX has no account affiliated with my name. They can not offer me any information. They are reporting negative payment history since 2019 and it is damaging my credit report. After my dispute a NEW ACCOUNT was opened without my knowledge!! I called and demanded that they close it immediately and DELETE THE PAST DEROGATORY REPORTS TO ALL ( 3 ) CREDIT REPORTING AGENCIES> they have NOT done this. I have disputed with all ( 3 ) Credit Reporting Agencies, only to have it show : " Updated and Accurate '' but when I call XXXX XXXX  they were not able to pull up an account associate with my NAME or Social Security number. Nothing. Yet, it appears on my credit reports?? Then a few months after my disputes, a NEW ACCOUNT OPENED with XXXX XXXX with a credit limit of {$850.00}!!!!! Without my consent. I called and told them to close that account immediately. This makes me wonder about our Credit reporting agencies really doing their job with investigations and accuracies and PROOF OF DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: MO

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase ran a promotion of XXXX bonus points for spending {$8000.00} in 3 months for the Chase Ink Business Preferred ( CIBP ) credit card XXXX : I applied for a CIBP credit card. 
XXXX : Promotion of XXXX bonus points ended. 
XXXX : Chase approved and opened my account. 

XXXX : I noticed that though I completed the {$8000.00} spending requirement, Chase was only awarding me XXXX bonus points. 

XXXX : Sent 4 messages to Chase. Chase repeatedly responded that because my account was opened on XXXX and not before XXXX, I would only receive XXXX bonus points instead of XXXX. 

My arguments : 1. My eligibility for the XXXX bonus points should be based on my application date ( XXXX ), not account open date ( XXXX ). 
2. The XXXX bonus points promotion was valid until XXXX. Nowhere in Chase 's advertisement says that applications received before XXXX would only get XXXX bonus points if the account was not opened by XXXX. 
3. The customer is not in control of when Chase approves and opens an account. It is irresponsible of Chase to blame the account opening date on the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXXXXXX XXXX XXXX XXXX XXXX - {$2300.00} Personal Information Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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:
Subject : Failure to Provide Sufficient Verification Notice of Intent to Pursue Arbitration To Whom It May Concern, I am writing to formally respond to your inadequate resolution of my dispute, submitted through the CFPB Complaint Portal. Your response, dated XX/XX/, states that the following accounts have been verified : XXXX XXXX ( Account Ending : XXXX ) XXXX XXXX XXXX XXXX ( Accounts Ending : XXXX and XXXX ) XXXX XXXX ( Account Ending : XXXX ) While you claim to have verified these accounts, you failed to provide specific evidence or documentation to substantiate their accuracy. Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a detailed description of the procedures and evidence used to verify the disputed information. Stating that " additional information has been provided '' is vague and does not meet the FCRAs legal standard for verification. 

Furthermore, the continued reporting of these accounts, without verifiable proof, constitutes the following violations : Failure to Conduct a Proper Reinvestigation 1681i ( a ). 
Failure to Ensure Maximum Possible Accuracy 1681e ( b ).

Failure to Remove Unverifiable Information 1681i ( a ) ( 5 ). 
These inaccuracies and your lack of compliance with the FCRA are harming my credit and causing unnecessary distress. 

My Demands : Provide all verification documentation obtained from the furnishers, including payment records, signed agreements, and the specific sources used to verify the disputed items. 
Immediately delete or correct any unverifiable or inaccurate accounts as required by law. 
Should you fail to comply within 15 days of receiving this letter, I will proceed with arbitration to resolve these violations, as allowed under the FCRA and applicable agreements. I will seek all remedies, including statutory damages, costs, and legal fees. 

This letter serves as my final attempt to resolve this matter amicably. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: IL

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have appeared on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These accounts and inquiries were opened as a result of unauthorized access to my personal information. 
Accounts to be Blocked and Deleted XXXX. XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$130.00} XXXX. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} Inquiries to be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief