vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THIS COMPLAINT IS FOR THE ( CREDIT BUREAU IS VIOLANTING MY RIGHT ) FOR XXXX, 2024 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating & quot ; They do not report any bankruptcies to XXXX & XXXX ; So if that & # XXXX ; XXXX the case. Per the FCRA 623 ( a ) ( 5 ) : & quot ; If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file & quot ; and based in the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify- through physical verification of the original signed consumer contract and/or judgment ( XXXX ) all accounts and public information that you post on anyone & # XXXX ; XXXX credit report. 
Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

They also violated my rights numerous times. 

DELETE Bankruptcy Account Number : [ XXXX XXXX ] FOR VIOLATION TO THE FCRA 15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification process employed does not appear to adhere to the privacy protection requirements outlined under this section. My right to privacy under the FCRA has not been upheld. 
15 U.S.C. 1681b ( 2 ) - Permissible Purposes : The information used to verify the bankruptcy must be for permissible purposes and comply with established procedures. The process by which this record was verified appears to have failed to meet these standards.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Consumer Rights : According to this section, I am entitled to request the removal of inaccurate or outdated information from my credit report. Your verification response has not sufficiently addressed inaccuracies or provided valid justification for retaining this record.

15 U.S.C. 609 ( a ) ( 2 ) - Proof of Verification : I am entitled to request proof of the verification of the bankruptcy record. The verification provided was insufficient and does not meet the requirements for proving the accuracy and legitimacy of the record.

Violation of the Truth in Lending Act ( TILA ) : * UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Title 15, Chapter 41 - Federal Consumer Protections : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THIS COMPLAINT IS FOR THE ( CREDIT BUREAU IS VIOLANTING MY RIGHT ) FOR XXXX, 2024 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating & quot ; They do not report any bankruptcies to XXXX & XXXX ; So if that & # XXXX ; XXXX the case. Per the FCRA XXXX ( a ) ( XXXX ) : & quot ; If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file & quot ; and based in the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify- through physical verification of the original signed consumer contract and/or judgment ( XXXX ) all accounts and public information that you post on anyone & # XXXX ; XXXX credit report. 
Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

They also violated my rights numerous times. 

DELETE Bankruptcy Account Number : [ XXXX XXXX ] FOR VIOLATION TO THE FCRA 15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification process employed does not appear to adhere to the privacy protection requirements outlined under this section. My right to privacy under the FCRA has not been upheld.

15 U.S.C. 1681b ( 2 ) - Permissible Purposes : The information used to verify the bankruptcy must be for permissible purposes and comply with established procedures. The process by which this record was verified appears to have failed to meet these standards.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Consumer Rights : According to this section, I am entitled to request the removal of inaccurate or outdated information from my credit report. Your verification response has not sufficiently addressed inaccuracies or provided valid justification for retaining this record.

15 U.S.C. 609 ( a ) ( 2 ) - Proof of Verification : I am entitled to request proof of the verification of the bankruptcy record. The verification provided was insufficient and does not meet the requirements for proving the accuracy and legitimacy of the record.

Violation of the Truth in Lending Act ( TILA ) : * UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Title 15, Chapter 41 - Federal Consumer Protections : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX 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 ; Installment loan opened on XX/XX/XXXX at XXXX XXXX XXXX XXXX ( Account number XXXX ), Installment loan opened XX/XX/XXXX at XXXX XXXX ( Account number XXXX ), Installment loan opened XX/XX/XXXX at XXXX XXXX ( Account number XXXX ) Line of credit opened XX/XX/XXXX at XXXX XXXX Bank ( Account number XXXX ) Please remove all inquiries as I have not applied for any credit within the last 2 years. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-10-30 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: CA

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX and I recently have been sending dispute letters to XXXX, Transunion, and XXXX for a few accounts that have incorrect information and they refuse to update, change or remove these things and remain on my credit report for the past years. 

On XX/XX/year> The Credit bureaus stated : XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXXXXXX XXXX ( Account # XXXX ) were properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report. I have attached the most recent credit appeal letter I sent with all of my verified information along with my proof of identity to all three credit buearos and I have mailed it to each of them again seperately through certified mail. 

Please see into these as I have tried to resolve this with them with no solution and would like it to be rectified.

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 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received a letter from JP Morgan Chase Bank dated XXXX XXXX. The letter stated that my checking ending in XXXX, and savings ending in XXXX were to be closed in XXXX  days of the date of the letter. Today is XX/XX/XXXX, I opened the letter on XXXX XXXX, and contacted Chase today. I called to see if they could prolong my closure, as i receive XXXX insurance direct deposit around the XXXX of each month. I asked the Chase representative, and she placed me on hold to inquire. Prior, to me calling in i had full access of my account. While waiting for the representatives return, i receive a text alert that my Chase account has been locked. She gets back on the phone, and tells me they can not prolong the closure to XXXX XXXX fine! I ask her " why is my account restricted? '' She then tells me its due to the letter i received. I tell her " the letter states XXXX  days, and even gives me steps on how to get my affairs in order, prior to that XXXX day. So, why is my account restricted? '' She says the " system '' placed the hold and can not remove it. Which i know is false, someone in back-office placed the hold. I have been in financial services/banking for over XXXX  years, and have worked in fraud/claims department for XXXX of those years, that is not factual. After, i state this the phone disconnects. I callback and ask to speak with back-office, i am placed on hold then dead air occurs, and i am hung up on again. I am not understanding why i received this letter outlining that i have XXXX  days to cancel auto-debits, contact merchants, transfer account balances etc, if i do not actually have XXXX days. I can not do anything with my account at the moment. I called Chase to see if they could provide an exception and all they did was make my life messy. I have rent due, a direct deposit scheduled for XX/XX/XXXX, and XXXX for XX/XX/XXXX, that i do not have access too. Not only that but i deposited a XXXX check in my savings account XXXX days ago, that i no longer have access too. This makes no sense, my account is being closed due to excessive disputes, but i received a letter that my dispute was paid and found in my favor. I have banked with Chase for years, and have a credit card through them. If XXXXase wants to terminate business with me fine, but this letter is not concise with Chase 's actions. Chase needs to rectify this and allow me to transfer my funds out, this is such an inconvenience telling me to visit a branch. I do not drive ( hence my XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: ME

Complaint narrative:
I won a settlement from a court case. It was a larger sum of money than normally deposited. I reached out to local branch & was advised to come in to directly deposit the check. They told me at the branch they didn't know the rules for deposit on such a large check but would let me know by the end of the day. XXXX XXXX never bothered to call me to let me know when I could expect the funds to be released. So I called the customer service number the same day. The person i spoke with told me the funds would be released the next day by XXXX ( XXXX XXXX XXXX  as I started my account in XXXX, OR on my way to Alaska ). When the funds were released, I went ahead & pulled {$1000.00} out, and made many payments on various accounts I owned. ( Close to {$6000.00} ). I was assured by local teller once the funds were released, this would go smoothly. I went thru the local teller as I had issues with getting a check released on a previous time/day. 

Later on this day, the funds were then pulled from my account sending all payments & access to my money into a negative. I spent an hour on the phone being transferred to multiple departments. They said everything weighted on the original branch where I opened the account. I tried to talk with my local branch person & her boss only to be told they were too busy. I called the original branch in XXXX, XXXX where i opened this account ( while passing thu never visited this town before or after opening this account ) & spoke to the manager responsible for pulling the money from my account. She told me she never met me and could not stand behind my business. When I tried to explain I opened the account passing thru to AK & ask why " knowing me '' would make a difference since I'm not from XXXX. She responded I was a risk, & she stood behind her decision. When I asked her why the funds were relased then taken, she became very rude & said she stood behind her decison. I asked to speak with the head of XXXX XXXX & was told he was too busy to have an immediate approint as was his boss. 

In summary : I had a large check, I called my local branch to ask how best to deposit it so the process it in the most seamless manner, I spent an hour talking to teller about ways to maximize my accounts with Key Back but was NEVER given the info I needed about the deposit. When I followed up ; I was told a specific time the funds would be available. When the funds were relased I made immediate payments to pay off many accounts I held. Then, they removed the funds. The staff acted unavailable, gave me inaccurate info, gave me conflicted info, then made all of my accounts go red due to their systemic disorganization. This has resulted in several banking accounts being negatively served and affecting my ability to conduct myself in a solid manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 XXXX  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 2024-10-30 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:
Ive recently recieved a copy of my credit and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-10-30 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:
Ive recently recieved a copy of my credit and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX CARD XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your 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 non-monetary relief
Consumer complaint received 2024-10-30 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: NY

Complaint narrative:
l 've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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