vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-01 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: SC

Complaint narrative:
XXXX, Experian, & XXXX continue to report an account listed in my consumer report incorrectly. The account is XXXX Account # XXXX the account has several late payments listed that is incorrect. XXXX has late payments listed as XX/XX/2024 XXXX XXXX  and XX/XX/2024. Experian XX/XX/2024, XXXXXXXX XXXX, XX/XX/2024, and XX/XX/2024. XXXX XX/XX/2024, XX/XX/2034, and XXXX XXXX. These late payments are not accurately reporting and they do not match up. These payments should be updated as paid as agreed. 

( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2024-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I have an XXXX Chase Credit Card that I opened during XXXX of 2020. I owned the credit card for almost 5 years and has become my primary credit card. All of a sudden around XX/XX/XXXX, I tried to make a furniture purchase at XXXX for {$3000.00} and XXXX froze my account. XXXX refuse to tell me any information and that my account is under review. It's been 3-4 months and Chase still refuse to tell me any information. Chase said I have to visit the local bank but I live in XXXX and there are no Chase branch nearby. Chase locked my account for no reason and the credit card is stuck in my credit report. Chase did not follow their own policy. Chase also change my credit card number for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: FL

Complaint narrative:
I am writing to inform you that I have been a victim of identity theft, which has led to several fraudulent entries appearing on my credit report without my knowledge or consent. These XXXX unauthorized accounts and XXXX inquiries were added without my approval. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already filed a report with the XXXX XXXX XXXX XXXX XXXX  ) regarding this identity theft and am now requesting the immediate removal of these fraudulent items from 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 2024-09-01 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: SC

Complaint narrative:
Experian continues to report an account incorrectly. The account listed as XXXX XXXX XXXX XXXX Account # XXXX the account is listed as charged off which can not be correct. Any account terminated by any creditor the amount due is credited to the consumer so how are they reporting this account as such?

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 2024-09-01 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: KS

Complaint narrative:
I just recently looked at my credit report on XX/XX/XXXX. I seen some hard inquiries that did not have permissible purpose. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-09-01 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: MI

Complaint narrative:
In accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 use 1681 Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY.

15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED 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 non-monetary relief
Consumer complaint received 2024-09-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have disputed this account several times. It keep coming back unchanged. This account was included in my bankruptcy filed on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. XXXX XXXX : XXXX. This creditor keeps reporting this account is a charge off and late on payment. If they keep reporting this way this account should be removed. or at least report the correct information. thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMERICAN XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to inform you that I have been a victim of identity theft, which has led to several fraudulent entries appearing on my credit report without my knowledge or consent. These XXXX unauthorized accounts and 2 inquiries were added without my approval. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have already filed a report with the XXXX XXXX XXXX XXXX XXXX XXXX regarding this identity theft and am now requesting the immediate removal of these fraudulent items from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report, as provided by your bureau, and to express my concern over what I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the 7th notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS 7TH NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPANY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM. IVE TAKEN 4 MONTHS TO GO TO A POLICE DEPARTMENT AND FILE A POLICE REPORT, SEND LETTERS TO THIS CREDIT BUREAU CONSTANTLY REGARDING THESE FRAUDULENT ACCOUNTS AND THIS CREDIT BUREAU IS NOT HONORING MY RIGHTS AS A CONSUMER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: WA

Complaint narrative:
On Thursday XX/XX/2024 I was solicited via XXXX XXXX to play an online casino game. After responding and getting instructions on play, I paid for {$100.00} worth of credit using my Chime account. The person immediately before granting me access offered a more appealing package for another {$100.00} dollars, which I also paid with the Chime account. I then went through a grueling process of attempting to get access to what was promised, to no avail. I have screen shots of the entire process. I never received the promised goods or services. And the person later tried to get me to pay even more and he could fix it. 

I reported the incident and account to XXXX and have heard absolutely nothing from them. I reported the fraud to Chime, and they refused to do anything. When I asked to talk to a supervisor, they refuse. The Chime agent was very disrespectful and I am hoping they have recordings of our conversation. 

XXXX, thank goodness, preserves the entire incident of which I have copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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:
Hello. I am tired of going back and forth with the credit bureaus regarding their reporting on my credit report. I notified them that information was not correct and needed to be fixed or deleted and they have not done either. So far it has been 60 days with nothing being fixed or deleted and I have sent them all verifying documents as well as documents that support my claim. I checked my credit report today and nothing has happened. The accounts do not even show they are being disputed. I read on the FTC website that in this situation they must delete the information from my report. I am demanding they do that immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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 am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: GA

Complaint narrative:
According to 15 USC 1681 ( I ) and 15 USC 1611 these companies are in direct violation and they have not removed this information from my credit reports.

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 2024-09-01 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:
Today I viewed my current Consumer Reports and I found a couple inaccurate late payments on an account for which I have always maintained timely payments I even sent them proof. The Consumer Reporting Agencies plays the biggest role in accurately reporting consumer information for our livelihood. Its extremely important that this information be reported with full honesty and accuracy. I have never missed a payment on the following account, XXXX XXXX Account number XXXX. Im requesting a full investigation of these discrepancies and ask to be provided with evidence of these late payments. If proof cant be provided, I am requesting for these payments to be updated immediately as on time payments because the current statuses has a very bad impact on my report as well as life. I have always made on time payments and my consumer report should reflect that.

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 2024-09-01 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: FL

Complaint narrative:
These inquiries are fraudulent I did not authorize these inquiries neither do I have knowledge of these.

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 2024-09-01 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I paid a down payment of {$3000.00} to XXXXXXXX XXXX XXXXXXXX for my car using an XXXX XXXX card. A few weeks after I received a phone call from an associate in the financial department at XXXX questioning me about my method of payment. At that time, I informed the associate from XXXXXXXX XXXX XXXXXXXX that I had paid with my XXXX XXXX card, and they should have received the payment already, because I had paid XXXX XXXX in full. On XX/XX/XXXX, an unauthorized charge of {$3000.00} was made from XXXXXXXX XXXX XXXXXXXX to my Checking account. I immediately called XXXX XXXX to make sure they had paid them in full, in which they informed me that XXXX had already received payment. In light of these facts, I believe this was culpable negligence. This negligent act has harmed me financially and mentally. Culpable negligence refers to a situation where someone acts with a reckless disregard for the safety or rights of others, often resulting in harm or damage. In the context of unauthorized debits, it could be considered culpable negligence if the company knowingly or recklessly took money without authorization, especially if it caused financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: TX

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
first complaint on XX/XX/XXXX a fraudulent charge from XXXX 's in the sum of XXXX was made, The card never left my possession, first week or so into XXXX I noticed and I closed my card and called American express. a couple weeks later I get a letter saying my card was used in the terminal via chip however its simply impossible because I had the card. American express stated that the actual card was used via chip but simply not true. my XXXX works in XXXX XXXX and tells me that chip fraud is possible and its not impossible, I was told by American express that the only way to take information out of a card was via the magnetic strip but a simple google search and having a son who deals with these kinds of situations from time to time in a new form of fraud called shimming. 


Update : Second complaint American express has not helped in any kind of way I still owe XXXX dollars of something i didn't purchase. this article is proof my son sent me that copying a persons card matching its unique XXXX XXXX can be done and is new while American express told me it is impossible. I am a victim to what seems to be a new form of fraud. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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:
XXXX In accordance with the Fair Act Credit Reporting act .The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX Account # XXXX Account name : XXXX # XXXX Account name : XXXXXXXX XXXX Account # XXXX Account name : Dpt EdXXXX Account XXXX XXXX Account name : Dpt EdXXXX Account # XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt Ed XXXX Account # XXXX, XXXX my information dates from being shared is XX/XX/year> until current date today

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: GA

Complaint narrative:
XXXX In accordance with the Fair Act Credit Reporting act .The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  Account # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX  Account # XXXX Account name : Dpt EdXXXX Account XXXX XXXX Account name : Dpt EdXXXX Account # XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt Ed XXXX Account # XXXX, XXXX my information dates from being shared is XX/XX/year> until current date today

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