vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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: NY

Complaint narrative:
XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$3300.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$3800.00} XXXX - XXXX XX/XX/XXXX {$11000.00} XXXX  XXXX - XXXX XX/XX/XXXX {$6600.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX, Experian, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data 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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These debts is considered a charge off. However, this actually considered income because I should have received a 1099c in order to account for this as income. This is not a charge off I'm requesting these be removed because it's not a debt. This is considered income and income should not be reported on your credit report. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit 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: NY

Complaint narrative:
While traveling in XXXX on during XXXX, a charge of {$15000.00} was made to my Amex Platinum card on XX/XX/XXXX. The charge was apparently for the purchase of XXXX gold chains ( I assume jewelry ). According to my billing statement charge was made at " XXXX XXXX XXXX XXXX '' with the transaction details stating " NEW VENDOR '' and nothing else. 

I immediately filed called and filed this as fraud. I received an email a few days later on XX/XX/XXXX saying the dispute was resolved, and that same day I was credited the full amount of {$15000.00}. 

Later, on XX/XX/XXXX, I received a new email that said the dispute, which had already been resolved, had been re-resolved, for lack of a better word, and closed. At that time the amount of {$15000.00} was again debited to my account. 

In speaking with American Express they said that the charge was determined to be valid for the sole reason that the vendor provided a printed/phyisical receipt of the purchases. From my point of view this would be the easiest thing to fake, especially given they had months to figure out how to fake said receipt. Amex has now said that unless I come up with my own printed receipt showing something other than the receipt that they have, that they can not re-open the fraud investigation / charge dispute. 

Amex also provided me with a phone number for the vendor, and apparently my only course of action is to reach out to a fraudulent vendor, get them to admit they committed fraud, have them then print and send me a receipt that directly opposes their side of the story, admitting they broke the law, and also making them forfeit the {$15000.00} that they currently have. I can not imagine a world in which such a vendor, who won a dispute, would for any reason help me prove otherwise. 

I have no possible way to resolved this on my own as I don't speak XXXX, I can not file a police report in XXXX after leaving the country, and even if I could, would in essence be trying to convince the very person that committed fraud to help me prove they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
on my last complaint your organization got my home loan foreclosure removed from credit report ( thank you so much ) now I'm getting rejected from a loan because it's back on my report my house was on XXXX XXXX XXXX XXXXXXXX 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 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
I recently received a call about an outstanding debt in my name. I believe this was a scam call but I reviewed my credit report and there was a lease that was reported unpaid and charged off by Acima Digital FKA SIMP ( {$2100.00} ) on my report. I did not recognize this company or charge. This debt was in the " closed accounts '' section of my score which I never review. It was from 2022. I. have never used this company for any purchase and the only loans I have ever taken were student loans. I called the company and they said they have no record of me ever having an account with them attached to my phone number or name and that I should report this to authorities. I reported this to the credit reporting agency as fraud as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I had two balance transfers on this account. XXXX for XXXX with a 0 % interest rate until XX/XX/XXXX and one for 4XXXX with a 1.99 % interest rate until XX/XX/XXXX. In both cases I had to pay a 5 % fee for the lowered rates. 

On XX/XX/XXXX I made a XXXX payment sufficient to pay off the expiring balance transfer. However chase applied it to the highest interest rate first, without regard to the expiring interest rate promotion, and so they paid my XX/XX/XXXX balance off early and left approx XXXX of my XX/XX/XXXX balance to roll over the next day to being charged full interest at 26.49 %. This is sneaky and shady and I have paid XXXX in fees for the balance transfer plus over XXXX in interest now for this balance transfer. Had I just made the payment on the XXXX the rep said this would not have happened which I why I think this is a deceptive business practice. The merchant is unwilling to refund any interest fees or offer me a goodwill reduction in the interest rate back to 1.99 %. Had I not paid a 5 % fee for this reduced rate I wouldnt be upset but because I was charged for this service again this is downright deceptive and sneaky.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
Initiated a domestic ( US ) transfer of {$2900.00} on Western Union on XX/XX/year> to myself using its mobile app. Delivery method is through bank transfer. 

Problem : The transfer status was stuck at " in progress '', the money has not been sent till now. 

Western Union either needs to cancel the transfer and refund the money or complete the transfer. 

Tracking number of the money transfer ( MTCN ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Issue Summary : XXXX has reported inaccurate and fraudulent information on my credit report despite my repeated disputes and the evidence I provided to prove the information is invalid. Specifically, the collection account from [ Invitation Homes ] is fraudulent, and I have documentation demonstrating compliance with my lease terms, as well as proof that this debt was unlawfully claimed. 

Key Facts : I rented a property from Invitation Homes in XXXX XXXX XXXX, Georgia ] and fully complied with my lease terms. 
After moving out, Invitation Homes failed to return my security deposit and unlawfully placed a collection account on my credit report, which I disputed with XXXX. 
I provided XXXX with the following documentation : - Resident Ledger highlighting fraudulent charges - Email correspondence showing Invitation Homes ' failure to justify the charges. 
- Documentation that the home was professionally cleaned prior to move out. 
- Documentation of a recent ruling by the FTC ( FTC Matter/File number XXXX ) finding Invitation Homes guilty of engaging in deceptive practices, including the imposition of illegal fees and the improper withholding of security deposits, and evidence that I am a victim of these deceptive practices. 

XXXX denied my dispute without conducting a proper investigation, violating its obligations under the Fair Credit Reporting Act ( FCRA ). 
XXXX Violations : XXXX actions violate the FCRA, specifically : Section 611 : Failure to conduct a reasonable investigation into my dispute.

Section 623 : Continuing to report inaccurate information after receiving evidence of its inaccuracy. 

Impact on Me : As a result of XXXX failure to remove the fraudulent information : My credit score has been unfairly damaged.

I have been denied credit and housing opportunities.

The stress and harm caused by this situation have been significant.

Resolution Requested : I am requesting the following : Immediate removal of the fraudulent collection account from my credit report.

A detailed explanation of why my dispute was denied despite the evidence provided. 
Confirmation that XXXX will take corrective actions to comply with the FCRA and prevent future issues. 

Conclusion : XXXX has failed to uphold its legal obligation to ensure the accuracy of information in my credit report. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and compel XXXX to correct this error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: GA

Complaint narrative:
XXXX XXXX : XXXX has reported inaccurate and fraudulent information on my credit report despite my repeated disputes and the evidence I provided to prove the information is invalid. Specifically, the collection account from [ XXXX XXXX ] is fraudulent, and I have documentation demonstrating compliance with my lease terms, as well as proof that this debt was unlawfully claimed. 

Key Facts : I rented a property from XXXXXXXX XXXX in XXXX XXXX XXXX, Georgia ] and fully complied with my lease terms. 
After moving out, XXXX XXXX failed to return my security deposit and unlawfully placed a collection account on my credit report, which I disputed with XXXX. 
I provided XXXX with the following documentation : - XXXX XXXX highlighting fraudulent charges - Email correspondence showing XXXXXXXX XXXX  ' failure to justify the charges. 
- Documentation that the home was professionally cleaned prior to move out. 
- Documentation of a recent ruling by the FTC ( FTC Matter/File number XXXX ) finding XXXX XXXX guilty of engaging in deceptive practices, including the imposition of illegal fees and the improper withholding of security deposits, and evidence that I am a victim of these deceptive practices. 

XXXX denied my dispute without conducting a proper investigation, violating its obligations under the Fair Credit Reporting Act ( FCRA ). 
Regulatory Violations : XXXX actions violate the FCRA, specifically : Section 611 : Failure to conduct a reasonable investigation into my dispute.

Section 623 : Continuing to report inaccurate information after receiving evidence of its inaccuracy. 

Impact on Me : As a result of XXXX failure to remove the fraudulent information : My credit score has been unfairly damaged. 
I have been denied credit and housing opportunities. 
The stress and harm caused by this situation have been significant. 

XXXX Requested : I am requesting the following : XXXX removal of the fraudulent collection account from my credit report. 
A detailed explanation of why my dispute was denied despite the evidence provided. 
Confirmation that XXXX will take corrective actions to comply with the FCRA and prevent future issues. 

Conclusion : XXXX has failed to uphold its legal obligation to ensure the accuracy of information in my credit report. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and compel XXXX to correct this error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I accidentally sent my rent money to the incorrect person, as it was intended for my landlord, through XXXX  on my XXXX XXXX. I filed 2 claims through chase and they stated that they can not get the money back into my account bc they have to go through XXXX  first since its a third party. I filed the first claim on XX/XX/year>. They closed it without calling me to let me know on XX/XX/XXXX. I then reopened ANOTHER claim on XX/XX/XXXX to get the money back and still have not heard anything on the case, they are dragging their feet and this cant be the first time someone ACCIDENTALLY sends money to the incorrect person through XXXX on the chase app.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: OK

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2024-12-23 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: OK

Complaint narrative:
My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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. XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer 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 non-monetary relief