vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 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: FL

Complaint narrative:
On or about XXXX XXXX of XXXX, There were several unauthorized charges made to my account. ( See attachments below ). Upon realizing that I did not have my card in my possession, and after I logged in to view my account, I noticed there were charges totaling XXXX XXXX which is OVER my credit limit! 
The item is in dispute because these unauthorized charges on or about XXXX of XXXX were unauthorized. I reported this claim to XXXX as soon as I was made aware of these charges on or about XXXX of XXXX, when I logged into my account and finally noticed these charges. 
XXXX 's investigation alleges the claim was denied because I " made payments for the months of XXXX and XXXX of XXXX '' and that I " took long to report the claim. '' However, the payments that were made in XXXX of XXXX were from AUTOPAY. I did not CONCIOUSLY make these payments. I reported this claim as SOON as I found out my card was lost/stolen, which was the same day I reported the claim .I did not " wait '' to report it. 
XXXX now claims that I need to file a police report and a frivolous " Identity Theft Affidavit '' In order to have these charges removed. However, the local police department advised me it is too late to file a police report since the date of this first incident was over 1 year ago. Furthermore, XXXX twisted my words and now wants to fill out, under duress, the " Identity Theft Affidavit, '' through the pretense that I " never applied for a credit card through XXXX and. '' However, in direct contradiction to this, I never stated that " I did not apply for this XXXX credit card account. '' I specifically stated that this credit card was LOST and NOT in my possession between the months of XX/XX/year> XX/XX/year>. 
Therefore, I am not liable for the charges from XXXX XXXX XXXX and hence disputing these charges. 

Lastly, The unauthorized & fraudulent auto-debit payments and fees from XXXX to this account has ultimately led to the checking account being closed. 
Many others in my similar situation have also been victims of fraud by XXXX, which resulted in XXXX having to return more than XXXX XXXX consumers that were harmed by XXXX in recent years. ( See attached ). 

XXXX has financially abused my account and has not been fair. I properly reported this claim as soon as it came to my knowledge that my card was lost/stolen.

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 2024-11-09 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: IN

Complaint narrative:
My birth certificate had been taken along with some other things at a storage facility. I also have been the victim of several data breaches such asXX/XX/XXXX data breach, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and several other that Credit Karma has made me aware of. The following unknown charges appear of my various credit reports. 

XXXX XXXX {$2600.00} XXXX XXXX {$1100.00} XXXX {$850.00} XX/XX/XXXX {$650.00} XXXX XX/XX/XXXX {$380.00} XX/XX/XXXX {$0.00} or {$1000.00} XXXX XXXX XXXX {$670.00} XXXX XXXX {$410.00} XXXX XXXX {$1200.00} XXXX XXXX {$1200.00} XXXX XXXX {$620.00} XXXX XXXX XXXX {$550.00} XXXXXX/XX/XXXXXXXX {$410.00}XX/XX/XXXX XX/XX/XXXX {$290.00} TN CHILD SUPPORT {$0.00} ( I have no children born in or live in TN ) XXXX XXXX Child Support {$35000.00} ( This has been paid for years )

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 2024-11-09 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: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX : XXXX XXXXXXXX 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 XXXXXXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-11-09 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: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-11-09 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: NJ

Complaint narrative:
After inspecting my credit report, I noticed a mistake. The XXXX credit bureaus are required to validate this account per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the account listed on my credit report : XXXX XXXX XXXX : {$230000.00}

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 2024-11-09 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: NJ

Complaint narrative:
I appreciate your help in addressing some of the fraudulent information on my credit file. However, there are still unresolved inaccuracies that need to be removed. Under FCRA Section 605, you are obligated to eliminate any inaccurate records. I have previously provided this documentation and am including it again for your reference. My attorney is fully informed of the situation and prepared to hold you accountable for continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX Balance : {$0.00}

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 2024-11-09 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: NJ

Complaint narrative:
I appreciate your help in addressing some of the fraudulent information on my credit file. However, there are still unresolved inaccuracies that need to be removed. Under FCRA Section 605, you are obligated to eliminate any inaccurate records. I have previously provided this documentation and am including it again for your reference. My attorney is fully informed of the situation and prepared to hold you accountable for continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: CA

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent credit card was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.

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 2024-11-09 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent credit card was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.

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 2024-11-09 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: CA

Complaint narrative:
I am writing to file a complaint concerning DISCOVER BANK and their continued reporting of inaccurate information on my credit report. Despite multiple disputes related to this account ( Account Number : XXXX ), no action has been taken to correct or remove the errors. These inaccuracies are having a significant negative impact on my credit score, and the incorrect information is misleading potential lenders. 

I have made numerous attempts to address this issue by reaching out to both DISCOVER BANK and the credit bureaus, but my concerns have not been resolved. The lack of correction is causing ongoing financial harm, affecting my ability to secure loans and other forms of credit. Additionally, the situation is taking an emotional toll as I struggle with the consequences of these reporting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: NC

Complaint narrative:
I am writing to formally request the immediate removal of fraudulent charge-off accounts from my credit report with XXXX XXXX XXXX  XXXXUpon reviewing my credit report, I identified several entries that are negatively impacting my creditworthiness and financial health, which I believe are the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and request its prompt removal. The fraudulent accounts identified on my credit report have been charged off and, by law, should be removed to accurately reflect my credit history. The specific fraudulent charge-off accounts include : Account # XXXX ; {$1500.00} ; XXXX To substantiate my claims, I have attached copies of the following documentation : 1. **FTC Identity Theft Report** : This report details the fraudulent activities and supports my claim of identity theft. 2. **Proof of Identity** : Including a copy of my drivers license and social security card. Despite my efforts to resolve these issues directly with XXXX XXXX XXXX XXXX and the credit reporting agencies, the inaccuracies remain unresolved. Therefore, I am seeking your prompt intervention to ensure that my rights under the FCRA are upheld and that all erroneous information is expeditiously removed from my credit report. under the Fair Credit Reporting Act ( FCRA ), there are provisions that require the removal of fraudulent accounts that have been charged off 1. Specifically, Section 623 ( a ) O ( A ) of the FCRA mandates that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information Thank you for your prompt cooperation.

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 2024-11-09 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:
On or about XXXX XXXX of XXXX, There were several unauthorized charges made to my account. ( See attachments below ). Upon realizing that I did not have my card in my possession, and after I logged in to view my account, I noticed there were charges totaling $ XXXX which is OVER my credit limit! 
The item is in dispute because these unauthorized charges on or about XXXX of XXXX were unauthorized. I reported this claim to XXXX as soon as I was made aware of these charges on or about XXXX of XXXX, when I logged into my account and finally noticed these charges. 
XXXX 's investigation alleges the claim was denied because I " made payments for the months of XXXX and XXXX of XXXX '' and that I " took long to report the claim. '' However, the payments that were made in XXXX of XXXX were from AUTOPAY. I did not CONCIOUSLY make these payments. I reported this claim as SOON as I found out my card was lost/stolen, which was the same day I reported the claim .I did not " wait '' to report it. 
XXXX now claims that I need to file a police report and a frivolous " Identity Theft Affidavit '' In order to have these charges removed. However, the local police department advised me it is too late to file a police report since the date of this first incident was over 1 year ago. Furthermore, XXXX XXXX XXXX words and now wants to fill out, under duress, the " Identity Theft Affidavit, '' through the pretense that I " never applied for a credit card through XXXX and. '' However, in direct contradiction to this, I never stated that " I did not apply for this XXXX credit card account. '' I specifically stated that this credit card was LOST and NOT in my possession between the months of XX/XX/year> XX/XX/year>. 
Therefore, I am not liable for the charges from XXXX XXXX XXXX and hence disputing these charges. 

Lastly, The unauthorized & fraudulent auto-debit payments and fees from XXXX to this account has ultimately led to the checking account being closed. 
Many others in my similar situation have also been victims of fraud by XXXX, which resulted in XXXX having to return more than XXXX XXXX consumers that were harmed by XXXX in recent years. ( See attached ). 

XXXX has financially abused my account and has not been fair. I properly reported this claim as soon as it came to my knowledge that my card was lost/stolen.

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 2024-11-09 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:
I am writing to formally request the immediate blocking and deletion of a fraudulent account listed on my credit report, which I believe was created as a result of a recent data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this entry removed to prevent further misuse of my personal information and to maintain the accuracy of my credit file. 
Please delete the following account from my credit report : XXXX XXXX - XXXX - XX/XX/year> - {$12000.00}

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 2024-11-09 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: PA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of a fraudulent account listed on my credit report, which I believe was created as a result of a recent data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this entry removed to prevent further misuse of my personal information and to maintain the accuracy of my credit file. 
Please delete the following account from my credit report : XXXX XXXX - XXXX - XX/XX/year> - {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: NJ

Complaint narrative:
I appreciate your help in addressing some of the fraudulent information on my credit file. However, there are still unresolved inaccuracies that need to be removed. Under FCRA Section 605, you are obligated to eliminate any inaccurate records. I have previously provided this documentation and am including it again for your reference. My attorney is fully informed of the situation and prepared to hold you accountable for continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Description of What Happened : I contacted Chase regarding my XXXX XXXX account ( ending in XXXX ) with a balance of {$4500.00}. Due to my XXXX XXXX and my work in a tipped position, my income fluctuates and presents unique financial challenges. I requested accommodation under the XXXX, specifically asking for either a balance reduction or other forms of relief that would make repayment more manageable. I outlined that a period of unemployment further exacerbated my situation, and while I have now secured a full-time role with an upcoming paycheck on XXXX XXXX XXXX the lack of flexibility in Chases repayment structure has been difficult to navigate given my XXXX. 

In my original message, I requested that all future communication regarding this matter be conducted via email, as frequent phone calls have led to significant emotional distress. These repeated calls, particularly during night hours, have caused heightened XXXX  impacting my ability to manage my XXXX symptoms. Despite this request, Chase has continued to call me at all hours, ignoring my accommodation needs. This lack of acknowledgment of my XXXX request and the ongoing calls contradict both my need for stability and Chases stated commitment to accessibility. 

In short, I believe Chase has not provided the appropriate support for customers with XXXX or those with non-traditional income sources. I am requesting CFPB intervention to ensure that Chase acknowledges my accommodation requests and makes necessary adjustments in line with XXXX principles, especially regarding communication methods and account management for individuals with XXXX.

Company response to consumer: Closed with non-monetary relief