vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: 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 These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness.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.

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 2024-12-23 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: CA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX  Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX/XXXX/XXXX 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 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 2024-12-24 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: PA

Complaint narrative:
There is an unauthorized credit inquiriy on my consumer report. Please delete this inquiry as I did not give anyone permissible purpose to run my credit. Attached is the FTC report filed in this matter. The inquiry is 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 2024-12-24 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: WI

Complaint narrative:
i have a dispute against XXXX for XXXX on discover credit card on XXXX XXXX. the dispute number is XXXX. On XX/XX/XXXX, the discover considered the charge is vaild. I've told discover customer service representative that XXXX refuses to respond to any of my messages, but they still tell me to contact XXXX and no willing to provide any help. i have lost XXXX and not received the right item that i order from XXXX. i hope discover can reopen the dispute and let XXXX provide any evidence that can show they sent the right item. thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My chase credit cards were closed. I always paid on time never missed any payments. Im still paying on time envelope tho my accounts are closed. Is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I information was exposed and updated breach and now Im getting all crazy charges saying I owe stuff that I dont owe

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 2024-12-24 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: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate information reported by Experian on my credit profile. Despite multiple disputes and over XXXX months of waiting, these inaccuracies remain unresolved. The following accounts are being reported incorrectly, causing significant harm to my creditworthiness : XXXX XXXXXXXX XXXX  XXXX ( Account No. : XXXX ) The account status inaccurately reflects a charge-off of {$3300.00}. This information is incorrect and needs to be removed. 
XXXX XXXX XXXX ( Account Nos. : XXXX and XXXX ) Both accounts are listed as collections with balances of {$1800.00} and {$2400.00}, respectively. These entries are unauthorized and do not accurately reflect my credit obligations. 
XXXX ( Account No. : XXXX ) This account is falsely reported as charged off with a past-due balance of {$6500.00}. The information is inaccurate and harmful to my credit profile. 
XXXX XXXX XXXX ( Account No. : XXXX ) This account is marked as Paid, Closed, but inaccurately reflects late payments. I have never been late on this account, and this misreporting must be corrected. 
FCRA Violations : 15 U.S. Code 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information.

15 U.S. Code 1681i ( a ) ( 1 ) : Failure to investigate disputed information within the legally required timeframe.

15 U.S. Code 1681s-2 ( b ) : Failure of furnishers to investigate disputed information.

Resolution Sought : I am requesting the CFPB to : Require Experian to immediately delete the inaccurate accounts from my credit profile. 
Ensure compliance with the FCRA and confirm the corrections in writing.

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 2024-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
I was staying in a weekly due to a XXXX  XXXX relationship and was stay at the XXXX XXXX on XXXX sometime in XXXX with my son. At the time I was staying there I was working for a gas station XXXX XXXX  and I was getting paid weekly so I was able to make the rent. Well the job ended and I spoke with the property manager at that time and made him aware of my situation and the day I explained to him he agreed that he was willing to work with me and that I could pay the daily rate instead of the weekly rate due to job lost. Now looking back his word didn't mean anything because he still choose to evict me with no sympathy. I tried to take it to court and the judge who ruled in his favor did not allow me to speak at all he just looked through the file and pled in the favor of the property manager and I remember the property manager laughing in my face and telling me, " I would have to find somewhere else to stay with my child. '' I than started a relationship with someone living in that same weekly just so myself and my son wouldn't be homeless and the property manager wasn't happy and told me that because I am not making the payment and I am still living on said property he was going to call the cops and have me trespassed from the property. That did not go in his favor because I continued to live there and I was assisting the guy I was living with in the weekly with his rent. I than noticed the debt was seen on my credit history report dated for XX/XX/year> for the amount of {$1100.00} and when I saw it on my credit report the amount was about {$880.00} at the most and I called the collection agency Sentry Recovery & Collections to make a payment arrangement and never got any response if I could settle the debt at a cheaper price or make payment arrangements. This debt has haunted myself and my child because I have not be able to rent with anyone in the XXXX XXXX area and have been crashing on friends and family members couches because I can't obtain my own property due to this impacting 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 explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I keep seeing transactions being over charged other than the amount authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: AZ

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name XXXX XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
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 non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
XXXX XXXX, Account Number : XXXX, Individual Credit Card .

This account was paid and closed but was created fraudulently due to identity theft. 

Additionally, I previously dealt with similar cases involving XXXX XXXX XXXX and XXXX XXXX under Case No. XXXX, filed on XX/XX/year>. This case was resolved and closed in the XXXX XXXX XXXX XXXX XXXX, XXXX of Georgia, confirming the incidents of identity theft. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of this incorrect account from my credit report. I have attached supporting documentation for your reference, including proof of identity theft and court records. 

Please review my request promptly and confirm the removal of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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:
Per 15 USC 6809 ( 4 ) ( A ), non-public personally identifiable financial information such as name, address, social security, income, credit score, and bank account information should not be reported to third party agencies. Charge offs or certificates of indebtedness, are considered income which can not be reported according to 15 USC 1681. Consumer requested these third party reporting agencies remove according to law, but they have refused.

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 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
CHASE CARD SERVICES Account ending # XXXX Closed by bank XX/XX/XXXX ; Charge-off XX/XX/XXXX - Amount : {$1700.00} Subject : Request for Clarification ; Resolution of Charge-off on Consumer report and ; Issuance of IRS Form : 1099-C for XXXX IRS Tax filings obligations. 

Dear CFPB Representative, There was a Charge-off by Chase Card Services on acct ending # XXXX ; XX/XX/XXXX. My credit report visibly shows CHASE CARD SERVICES has Written off/Cancelation of Debt ; this account as a tax break when on my consumer report it is registering as a debt currently owed. At this time, I'm currently receiving emails and letters to my Letter box from CHASE CARD SERVICES requesting in a Settlement Notice ; to pay this account for less than the unpaid balance when this account has been Charge-off as Cancelation of Debt. 

Issues with Current Reporting _____________________________ 1 ) Issuance of 1099-C form, since this debt has been Charge-off ( Cancelation of Debt ). Please issue a 1099-C for this tax year XXXX, therefore I can fulfill my tax obligations according to the IRS. 

Correction to Credit Reporting __________________________ 2 ) Please update my Credit report status according to IRS - A Charge-off is considered income and should not be reporting on a consumer report as a debt owed. 

3 ) Compensation for reporting a Charge-off on consumer report as a debt owed when CHASE CARD SERVICES has written off the amount in question as a tax Write-off/ Tax break.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: FL

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 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 2024-12-24 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-24 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
This is regarding case XXXX XXXX Collections. I have proof attached that I have a current balance of {$0.00}. I spoke to XXXX with XXXX XXXX XXXXXXXX XXXX regarding this matter. She provided me with the paperwork showing the bill that was sent to collections. This paperwork proves this amount was discharged in bankruptcy. I have a XXXX balance on my account. Please have this collection removed from my credit report. If you would like to speak to XXXX in the billing department for the XXXX XXXX  XXXX XXXX her number is XXXX. This was not a loan. GLA is wrong. I never took a loan out as an employee or any other time. Please provide me with proof of a loan. My proof is attached.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: PA

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with non-monetary relief