vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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: PA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
XXXX XXXX XXXX accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I contacted Chase customer service to place a stop payment on a check. I provided the payee name and range of dollar amount as requested by the representative. The check was not pending at the time of request, therefore the agent was able to accept the stop payment request. 

On XX/XX/year>, I notice the check in which I placed a stop payment has been cashed. The check was in the amount of {$47000.00} to payoff my vehicle. My account for my vehicle still showed a balance owed which caused me concern. 

I quickly called customer service to ask if they knew the name of the account that cashed my check. Customer service advised me I have to speak with a separate department and transferred me over. The lady I spoke with was not very helpful. 

When I asked why a check was cashed after I placed a stop payment and I refuse to accept her response. She stated stop payment requests are XXXX. That is outrageous. Not once was I told this when I submitted the request. What is the point of placing a stop payment if it is XXXX? 

I inquired if she can provide me the name of the person who cashed the check. She said the payee is XXXX I know who I wrote the check to but I need to know who cashed it. When she told me she will place me on hold to verify, the phone call got disconnected. 

I then proceeded to go to my local Chase branch. At first, the banker was not very helpful as well. He told me he does not know who cashed the check and he does not have the information. I understand information may be limited but I asked if there is a department in which he can call. He said there is none. 

That is not the type of customer service I expect from my primary bank. A large check was written and since I placed a stop payment, I drafted and sent another check to the payee for the same amount. 

My stop payment request was not honored and no one at Chase seems to be willing to help. The banker proceeds to engage a manager on duty to assist. The manager on duty began to tell me not to worry as the payees process in displaying balances may take a few days. She should never speak on behalf of a company she does not work for. When I asked why my check was cashed, no one seemed to know. I then began to raise concern about the second check I sent for the same amount. Of that check is also cashed, then I am down roughly {$100000.00} with no confidence the original payee received the first check.

The banker then told me not to worry as if I submit a claim, Chase will provide a temporary credit of the amount. I am confident that is not true. 

By no means am I angry at the individuals I dealt with about my check being cashed even though I placed a stop payment. That needs to be answered by Chase. I am very displeased in the service I received by all the Chase representatives. It felt as everyone was trying to defer blame on others and not willing to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Complaint Summary : I am submitting this complaint against Midland Credit Management , Inc. regarding a collection account they reported without validating the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Despite receiving my formal debt validation request, Midland failed to provide validation and continued to report the account, causing harm to my credit profile. 

Additionally, I have filed a Demand for Arbitration with the XXXX XXXX XXXX ( XXXX ) against Midland Credit Management. Attached are the arbitration filing form and supporting documents, including my debt validation letters and correspondence. 

Midland recently removed the account from my credit report without explanation, which suggests they were unable to validate the debt. However, this action does not absolve them of their previous violations or the harm caused by inaccurate reporting. 

Attachments : XXXX. XXXX Demand Filing ( XXXX ) 2. Debt Validation Letters XXXX. XXXX  Complaint and Correspondence 4. Credit Reports Showing Midlands Reporting and Removal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: NC

Complaint narrative:
" I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING.

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 2025-01-05 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-01-05 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-01-05 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: FL

Complaint narrative:
I am writing to express my concern regarding the security of my personal information. There have been repeated instances of information appearing on my report that do not belong to me. I have identified specific instances of misreported information that require a thorough investigation, information that has been mistakenly linked with my report, but it pertains to an account belonging to someone else.

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 2025-01-05 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 express my concern regarding the security of my personal information. There have been repeated instances of information appearing on my report that do not belong to me. I have identified specific instances of misreported information that require a thorough investigation, information that has been mistakenly linked with my report, but it pertains to an account belonging to someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: OK

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and 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 2025-01-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi unilaterally closed my account on XX/XX/XXXX without my request. At the time, I still had Thankyou points associated with that account. I tried to check the account points balance in XXXX but did not find any points that are expiring. Currently, Citi states that points will expire 90 days after account closure, but they put a restriction on their online system to only show points expiring in the next 60 days, which entirely prevented me from knowing which of my points were expiring at what time. Further, Citi did not proactively notify me that points will expire as a result of the closure. 

I had XXXX Citi XXXX points as of XX/XX/XXXX. As of XX/XX/XXXX, I only have XXXX XXXX points. I did not use any points during this period time, which means I lost XXXX Thankyou points from the account closure initiated unilaterally by Citi and the inability to find out this would happen. I contacted the Citi to get this resolved, but the representative was not willing to reinstate the points.

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 2025-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: IL

Complaint narrative:
Recently found out they are not following states apr laws having apr way beyond the allowed amount, nor are they licenced in this state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Details of the Issue : I deposited a check from XXXX XXXX XXXX XXXX, and XXXX XXXX days later XXXX Wells Fargo sent me a message of insufficient funds. After trying to reach the people I spoke with previously about the job/payment, I was unable. I went to the bank and asked for help and to dispute that Wells Fargo took over XXXX hours to flag the check, which is totally unacceptable in this IA era we live in. This is part of the letter I sent to Wells Fargo after calling and going to my local branches. 
Check Reference Number : XXXX Check Amount : {$2900.00}, XXXX XXXX XXXX XXXX Deposit Date : XX/XX/year> I waited nearly XXXX entire days before using the funds, assuming the check had cleared after the initial hold period. However, I was later notified that the check was returned unpaid and that my account was charged. I understand that it is ultimately my responsibility to inquire about the authenticity of checks ( XXXX XXXX XXXX XXXX XXXX XXXX, and I did ; however, I relied on XXXX XXXX clearing processes, which took over XXXX hours without flagging the issue. 
Request for Resolution : 1. I kindly request a reversal of the fees applied to my account as a result of this incident. Please investigate ; I am a victim of fraud. I am requesting a reversal of the charges. Due to the specific circumstances listed in this letter.

2. If possible, I would appreciate assistance in recovering the funds from the check writer, as this situation has caused significant financial hardship. 
I value my relationship with Wells Fargo, which has been 20+ years, and trust that this matter will be resolved fairly. Please let me know if additional information is needed to investigate the issue. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: SC

Complaint narrative:
My information was exposed in a data breech. I was never promptly notified as required by law, with detailed information on what data was compromised. Need all information on my credit report removed within 30 days According to 15 USC 1681 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 explanation
Consumer complaint received 2025-01-05 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: SC

Complaint narrative:
My information was exposed in a data breech. I was never promptly notified as required by law, with detailed information on what data was compromised. Need all information on my credit report removed within 30 days According to 15 USC 1681 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was at work on XX/XX/XXXX in OHIO ( I was in a Chase bank in the morning that day too and would have been on their XXXX for business deposit ) when I got a Chase notification that there was a {$940.00} atm withdrawal from my account using my debit card on XXXX XXXX  in California. This was literally impossible and what baffles me is that the thief used the XXXX XXXX digital card with my card numbers at a Chase atm and the bank denied my claim. They have all camera access and this is absolutely unheard of. I am out {$940.00} plus addition fees from overdraft, etc. from this situation and id like assistance getting the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: ND

Complaint narrative:
I wrote in to you guys the last week of XXXX to file complaints on my credit report. Thinking it would be beneficial and you guys would make sure it was fixed, instead, you guys aren't even done with your report and it's already hurt me and dropped my credit score XXXX points for an account being wrongfully updated with incorrect information. I am absolutely shocked and incredibly upset. 

The account is on my Experian report as XXXX XXXX  Account # XXXX Opened : XX/XX/XXXX Closed and written off as owing {$6400.00} There has not been activity in years, yet it's now been updated as charged off in XX/XX/XXXX which is not only INCORRECT it's hurting me beyond belief by being misreported and hurting my credit even more than it was! The account shouldn't of been on my report to begin with let alone have it be listed as charged off XX/XX/XXXX. That update alone dropped my score XXXX points. I feel just sick over this. Is this what is expected when you ask the CFPB for help? I'm so sad. I was hoping for a positive experience working with you guys. Please, I'm begging, someone fix this.

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