vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to file a complaint against Chase regarding a fraudulent account ( Account Number : XXXX ) that was opened in my name due to identity theft. I was notified of this fraudulent account by a credit bureau in XX/XX/year>, and immediately informed Chase of the situation. Despite multiple notifications and efforts on my part, Chase has refused to acknowledge the fraud and adhere to both California state laws and the Fair Credit Reporting Act ( FCRA ) guidelines. 

**Violations : ** XXXX. **Fair Credit Reporting Act ( FCRA ) : ** Chase has failed to investigate the fraudulent account and correct the information as required under 15 U.S.C. 1681s-2 ( b ). This section mandates that furnishers of information to credit reporting agencies must conduct an investigation and report the results to the credit reporting agency within 30 days. 

XXXX. **California State Laws : ** - **California Civil Code 1785.25 ( a ) : ** Chase is required to promptly correct and update information that they determine is not accurate. 
- **California Identity Theft Statute ( California Penal Code 530.6 ) : ** Upon receipt of a police report indicating identity theft, a creditor is required to investigate the alleged fraudulent account. 

**Chronology of Events : ** XXXX. XXXXXXXX XXXX : ** Notified Chase of the fraudulent account via credit bureau XXXX. 
XXXX. XXXX XXXX, XXXX : ** Sent fax documentation to Chase XXXX including a letter detailing the fraudulent account and requesting the removal of the information, closure of the account, and resolution of any financial charges related to the account. 
XXXX. **Repeated Attempts : ** Made multiple attempts to follow up with Chase via phone and visits to a physical branch location. Representatives repeatedly refused to provide any assistance or information regarding the fraudulent account. 

**Request for Resolution : ** I request the following actions to resolve this issue : XXXX. Immediate investigation and acknowledgment of the fraudulent account. 
XXXX. Closure of the fraudulent account and removal of all related information from my credit report. 
XXXX. Resolution of any financial charges related to the fraudulent account. 
XXXX. Adherence to California state laws and FCRA guidelines in handling this matter. 

Despite my numerous attempts to resolve this issue, Chase has continuously refused to provide assistance or information. This lack of cooperation and adherence to legal obligations has caused significant stress and financial inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Form 1099-C - Discharge of Debt was filed by JP Morgan Chase & Co with the IRS, for the mortgage loan account number XXXX in the amount of {$75000.00}. Copy B of the 1099-C form was sent to me by JP Morgan Chase & Co because the total amount of the debt owed has been discharged in full, due to an identifiable event that has occurred and the debt owed is now Paid In Full. This is important tax information and is being furnished to the IRS.

JP Morgan Chase & Co has failed to notify me the year following the filing and has failed to update account number 1368522720 to Paid In Full. Form 1099-C must be filed in the year following the calendar year in which the identifiable event occurs. JP Morgan Chase & Co had continued to collect on this debt even after filing the 1099-C with the IRS and discharging the debt. JP Morgan Chase & Co has lead me to believe that this loan is not paid in full and I had continued to make monthly mortgage payments following their 1099-C filing on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: Duvera Billing Services, LLC
State: CA

Complaint narrative:
I have viewed a copy of my consumer report and when reviewing a copy of it I noticed that the consumer reporting agency as well as the so called " creditor '' have unlawfully furnished my information without my consent. It is very clear that within the FCRA in pursuant to 15 USC 1681B they must have my written consent or court jurisdiction to furnish any of this information on my behalf, I do not consent to them furnishing anything on my behalf, with that being said i am cease and desisting all illegal activity In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: FL

Complaint narrative:
XXXX  victim 's letter to consumer reporting agency XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE XXXX XXXX Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report is a result of XXXX  AUTO LOANS 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 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 Please block this information from my transunion credit report within XXXX days, pursuant to section 605C of the fair credit reporting Act Please send me a notification of the actions taken. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX XXXX Enclosures ; proof of identity State issued ID XXXX  Documentation A self-attestation letter that you are a victim signed or certified by a representative from a government entity, court, or authorize non governmental organization or XXXX XXXX task force.

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 2024-07-26 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: IL

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 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 2024-07-26 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: IL

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-07-26 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: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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'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 2024-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Venmo Credit closed my account after stating I requested the closer. I never asked Venmo to do anything of the sort. The only time I spoke with an agent was to validate a charge, which took three separate calls. The final call I was rude and hung up the phone. This clearly was done for retaliation for hanging up and being rude. Since then I have requested my account to be reopened, and my request was denied. Clearly that agent closed my account without my consent. This will obviously hurt my credit. Highly unprofessional and needs to be addressed if possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: TX

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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 no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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:
Account # : XXXXXXXX XXXX XXXX Request for Deletion of Unauthorized Late Payment Account from Consumer Report** Dear Experian Consumer Relations, I am writing to formally dispute an unauthorized account that has been continuously reported on my consumer report by your agency. I have previously requested documentation as required by law, but have not received a satisfactory response. According to the law established by Congress, this account should not be included in my consumer report. 

XXXX XXXX : ** Under **15 U.S.C. 1681a ( 2 ) **, the term consumer report does not include information solely regarding transactions or experiences between the consumer and the person making the report. My transactions or experiences with your company are, by law, excluded from my consumer report. Therefore, I request that this unauthorized account be deleted immediately from my report. 

**Late Payment Reporting : ** I further question the legality of reporting a late payment without proper compliance with **15 U.S. Code 1666b**. This statute stipulates that a payment can not be deemed late unless reasonable procedures ensure that each periodic statement, including the information required by **Section 1637 ( b ) **, is mailed or delivered to the consumer at least 21 days before the payment due date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Demand for Deletion of Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I am writing to formally request the deletion of information from my credit report in accordance with the Fair Credit Reporting Act, FCRA 605B ( 15 U.S.C. 1681c-2 ). 

The information in question relates to fraudulent activity and/or identity theft, which has adversely affected my credit report. Please find the details of my request below : FTC Report Number : XXXX Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Numbers : XXXXXXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : 1. A copy of my credit report I received from your company. The fraudulent items are in screenshots from each credit reporting agency as shown in each screenshot. 2. A copy of my Identity Theft Report and proof of my identity. 3. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. I hereby request that the Consumer Financial Protection Bureau take immediate action to delete the aforementioned fraudulent information from my credit report within 4 business days, as well as in accordance with the provisions of the FCRA.

The presence of this fraudulent information is causing significant harm to my financial standing and overall creditworthiness. Please confirm receipt of this request and provide me with an update on the actions taken to resolve this matter. Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 2024-07-26 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Demand for Deletion of Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I am writing to formally request the deletion of information from my credit report in accordance with the Fair Credit Reporting Act, FCRA 605B ( 15 U.S.C. 1681c-2 ). 

The information in question relates to fraudulent activity and/or identity theft, which has adversely affected my credit report. Please find the details of my request below : FTC Report Number : XXXX Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Numbers : XXXXXXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : 1. A copy of my credit report I received from your company. The fraudulent items are in screenshots from each credit reporting agency as shown in each screenshot. 2. A copy of my Identity Theft Report and proof of my identity. 3. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. I hereby request that the Consumer Financial Protection Bureau take immediate action to delete the aforementioned fraudulent information from my credit report within 4 business days, as well as in accordance with the provisions of the FCRA.

The presence of this fraudulent information is causing significant harm to my financial standing and overall creditworthiness. Please confirm receipt of this request and provide me with an update on the actions taken to resolve this matter. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: MO

Complaint narrative:
My report is reflecting several negative accounts, including debt accounts as well as charged-off accounts. These accounts reflect, through an IRS tax transcript, being discharged with a 1099-C and are considered a certificate of indebtedness, which is considered income. Income can not be reported on my credit file, per the FCRA. The accounts in question are as follows :. ( XXXX XXXX XXXX acct # XXXX ) ( XXXXXXXX XXXX XXXX acct # XXXX ) ( XXXX XXXX XXXX XXXX acct # XXXX ) ( XXXXXXXX XXXX XXXX acct XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX acct 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 2024-07-26 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: MO

Complaint narrative:
My report is reflecting several negative accounts, including debt accounts as well as charged-off accounts. These accounts reflect, through an IRS tax transcript, being discharged with a 1099-C and are considered a certificate of indebtedness, which is considered income. Income can not be reported on my credit file, per the FCRA. The accounts in question are as follows :. ( XXXX XXXX XXXX acct # XXXX ) ( XXXX XXXX XXXX acct # XXXX ) ( XXXX XXXX XXXX XXXX acct # XXXX ) ( XXXX XXXX XXXX acct XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX acct XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief