vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dispute Letter, Debt Validation Request & Immediate Update Request XXXX XXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX : Account : XXXXXXXX XXXX XXXX  : Account : XXXX XXXXXXXX : Account # XXXX ( Note that none of these are currently collections accounts, but they all contain many inaccuracies in each account that reflects negatively against my credit ) I am writing regarding the above-referenced accounts, which currently shows a balance and was reportedly charged off due to non-payment during the COVID-19 pandemic. Under the CARES Act, individuals and businesses were provided relief measures to mitigate the financial impact of the pandemic. My financial difficulties during this time were directly attributable to these unprecedented circumstances. 

Dispute of Balance & reporting : I respectfully request a thorough review of this account. The balance shown does not appear to accurately reflect the provisions of the CARES Act or the potential assistance I may have been entitled to during the COVID-19 period. I request documentation showing the exact charges, credits, and adjustments made to this account during the relevant time frame.

Request for Form 1099-C If this debt has been canceled or discharged, I request that you provide me with a copy of IRS Form 1099-C for the account in question, as required by federal law. This form is essential for my tax reporting purposes and to confirm the status of this debt.

Debt Validation Request Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I request the following : 1. Validation of the debt, including the original agreement establishing this account. 

2. A detailed accounting of the current balance, showing how the total balance was calculated.

I trust that you will address this matter promptly. Please respond in writing within 30 days of receiving this letter. You may reach me at XXXX if additional information is needed to process my requests. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc.
State: IL

Complaint narrative:
Pro collection balance XXXX XX/XX/year> I do not have an account with them I dont know why they are in my credit report I believe this is some fraud or data breach

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 2025-01-03 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: NY

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : NAME OF ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: LA

Complaint narrative:
I've recently checked my credit report and noticed some unauthorized inquiries. I have attached my FTC report to this complaint to prevent further stall tactics from Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: CT

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-01-03 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: CT

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-01-03 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Urgent Complaint Against XXXX XXXX XXXXXXXX for Illegal Debt Collection Practices and Inaccurate Credit Reporting To Whom It May Concern : I am filing this complaint against XXXX XXXX XXXX  a debt collection agency based in Utah, for violating multiple federal and state laws related to debt collection and credit reporting. This matter is urgent as it is causing me significant financial harm and undue stress. 

Summary of the Issue : XXXX XXXX XXXX inaccurately placed a derogatory mark on my credit report, claiming I owed a debt that I do not. When I requested debt validation, they sent me a letter stating that they contacted the original creditor, who confirmed that I did not owe the debt. Despite this confirmation, XXXX XXXX XXXX have failed to remove the inaccurate information from my credit report as promised in their letter. They stated the mark would be removed by the end of the month, yet we are now in 2025, and the derogatory mark remains. 

This delay and inaction are unacceptable and have severely impacted my creditworthiness, limiting my ability to obtain credit, housing, and other essential financial opportunities. I have attached a copy of the letter from XXXXXXXX XXXX XXXXXXXX acknowledging that the debt is invalid and promising to remove the derogatory mark.

Legal Violations : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e : Prohibits false or misleading representations. By failing to promptly correct the inaccurate debt after acknowledging its invalidity, XXXXXXXX XXXX XXXXXXXX have engaged in deceptive practices. 

15 U.S.C. 1692f : Prohibits unfair practices. Their inaction in removing the invalid debt from my credit report constitutes an unfair practice.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) : Requires furnishers of credit information to provide accurate data. XXXX XXXX XXXXXXXX failed to ensure the accuracy of the information they reported to the credit bureaus. 

15 U.S.C. 1681i ( a ) : Requires prompt investigation of disputed information. Their failure to promptly correct my credit report after verifying the debt is invalid violates this provision. 

State Licensing Laws XXXX XXXX XXXX is not licensed to collect debts in the state of Louisiana, as confirmed by the XXXX  Consumer Access database ( XXXX XXXX XXXX XXXX. Their attempts to collect a debt without proper licensing violate state laws governing debt collection activities. 

Financial and Emotional Impact : The inaccurate derogatory mark on my credit report has caused the following : Denial of credit applications, resulting in lost opportunities.

Increased financial strain due to higher interest rates on existing accounts.

Emotional distress and XXXX due to the ongoing unresolved issue.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-01-03 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2025-01-03 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: CA

Complaint narrative:
I have three Chase credit cards all in good standing and Ive been a customer with Chase for probably 6-8 years. I switched over to a new bank account for auto pay for all my business cards and unfortunately for my Chase sapphire I put in one wrong number of my bank account. So a {$140.00} payment was returned. That was the issue. The issue was taken care of within a matter of one day and I put in the correct bank account number the {$140.00} was paid immediately. Along with a {$6500.00} payment on my Chase Southwest card. They told me due to the {$140.00} return payment, All three of my cards have been revoked. I spoke with them XXXX or XXXX times they said they would run a credit check with the bureau to reinstate my credit cards. The person I spoke with said it shouldnt be a problem you pay your cards every month youve done a lot of business with us. XXXX days later I call and my credit cards are still revoked. They say we did not run a credit check And there is no option for you to open your cards back up. They also told me I have 30 days to redeem my points that I earned on my Chase sapphire and on my Chase Inc. card. So basically forced me to either cash my points or transfer them or use them someway with in 30 days Sorry if any of this is confusing this is through voice text if theres any extra info you need please email me or get in touch with me and I can provide whatever you guys need.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-01-03 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: PA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
We rented a home in XXXX, Florida from XXXX XXXX XXXX between XXXX. We had a financial emergency and were forced to break our lease early to move back home to Arizona. Our rental agreement stated we had to pay 3 months of rent if we broke the lease. However, we negotiated a separate agreement with the homeowner and XXXX, to avoid paying over {$13000.00} in fees. We entered into a new agreement in writing, and we moved out. We have all of the documentation proving this, and will provide it. Shortly after, XXXX sent us a disposition letter stating we owe them {$9200.00}. An employee at XXXX who was handling our situation even admitted the disposition letter was incorrect, and that she would fix it. It never got fixed. XXXX even called us stating we owe them {$8500.00} to cover the costs of the owner 's personal move, which has nothing to do with us and was never part of any agreement or lease. 

All of that communication and evidence was submitted to Transworld Systems , Inc ( the collector ). They never reviewed or acknowledged that evidence. I've been calling them since XXXX asking for updates. Each time I call, they say they are working on getting a response from XXXX, but this never gets resolved. A few times over the phone, they have explained to me that XXXX " validated '' the debt by sending them a copy of a notice they sent to us. This is not a proper validation, nor proof that we owe XXXX anything. 

I, on the other hand, sent Transworld Systems XXXX XXXX numerous screenshots detailing the situation with XXXX, proving we had a new agreement that voided out any lease cancellation fees. Transworld Systems , Inc. is refusing to accept our evidence and is continuing their efforts to collect on this phony debt. They keep asking XXXX to " validate '' the debt, but XXXX has not provided ANY evidence or proof to validate it properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: OK

Complaint narrative:
I am asking for your assistance in reviewing accounts from companies inaccurately reporting late payments. After being laid off, I requested these late payments be forgiven, which they agreed to, yet they continue to report them. Ive reached out for updates but havent received any response, making this my last option.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: CT

Complaint narrative:
I was the victim of identity theft as a result of a company 's neglect and incompetence. I filed an identity theft report and the credit bureaus has not internally deleted the falsely reporting credit information with deletion from credit report and hasn't blocked the creditor from my credit report. 

This is with XXXX account number XXXX

Company response to consumer: Closed with explanation