vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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: NC

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. I provided details of the accounts and the violations. Its been over 30 days, and I have not received a response. Copies of all dispute letters are attached. 

This company has violated FCRA Section 623 ( a ) ( b ) by not marking the disputed account as 'disputed. ' Additionally, FCRA Section 605 ( c ) has been violated, as the last activity date is incorrectly reported instead of the actual payment date.

Furthermore, the company has failed to validate this collection account, violating FDCPA Section 809 ( b ) per FTC guidelines.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. I provided details of the accounts and the violations. Its been over 30 days, and I have not received a response. Copies of all dispute letters are attached. 

This company has violated FCRA Section 623 ( a ) ( b ) by not marking the disputed account as 'disputed. ' Additionally, FCRA Section 605 ( c ) has been violated, as the last activity date is incorrectly reported instead of the actual payment date.

Furthermore, the company has failed to validate this collection account, violating FDCPA Section 809 ( b ) per FTC guidelines.

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 2024-11-25 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: OH

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRY : XXXX XX/XX/year>

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: FL

Complaint narrative:
I tried to complete a financial transaction via XXXX using my Chase account on XX/XX/year>. Unfortunately, I later realized that the funds were sent to the wrong phone number and, therefore, went to the wrong recipient. I contacted Chase 's dispute department immediately and they told me that they would process the refund, but after many days passed. I did not receive any follow-up communication, so I called them again and they told me that I would need to dispute the transaction with XXXX. I called XXXX and they sent me back to Chase. I later concluded that neither entity wanted to take responsibility for the transaction. 

Both JPMorgan Chase and XXXX have failed to provide any protection for their customers. Both entities are well aware of the potential problems with transactions, yet they leave their customers vulnerable. 

Chase and XXXX continue to take advantage of their customer 's vulnerability and fail to provide protection or security from an imperfect system that they recklessly thrust on unsuspecting customers and continue to make millions from

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: GA

Complaint narrative:
I am writing to formally dispute the following accounts listed on my credit profile, as they were opened or used fraudulently without my authorization. These accounts include : - **Account Name : ** XXXX XXXX XXXX  XXXX **Account Number : ** XXXX - **Account Name : ** XXXX XXXX **Account Number : ** XXXX - **Account Name : ** XXXX XXXX XXXX **Account Number : ** XXXX - **Account Name : ** XXXX XXXX XXXX XXXXAccount Number : ** XXXX These accounts do not belong to me, and I have no knowledge of their opening or usage. I suspect fraudulent activity has taken place.

**Actions I Have Taken : ** 1. I have already contacted the creditors associated with these accounts to inform them of the fraud.

2. I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter.

3. I have placed a fraud alert on my credit file with the credit bureaus to prevent further unauthorized activity. 

I kindly request that the CFPB assist in investigating this matter further and ensure the erroneous information is removed from my credit report promptly. Please let me know if you require any additional documentation, such as the FTC Identity Theft Report or a police report, to proceed with your investigation. 

Thank you for your time and assistance in resolving 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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Loan Modification process was initiated with my loan servicer, Mr. Cooper ( formerly Nationstar ). On XX/XX/year>, I called to make sure the Loan Modification was active and in process. During the approximately one-hour telephone call ( on a recorded line ) complete information was provided to Mr.Cooper which was necessary for me to enter into their Loss-Mitigation Hardship program with me providing all the vital information as per their request. I was behind in my mortgage payments, have always maintained frequent contact with the loan servicer, and Mr. Cooper had assured me they wanted to work out a solution to keep my home. I was concerned about a recent letter from a law firm, ( XXXX, XXXX, XXXX, XXXX in XXXX, Florida ) motioning for Final Judgement of Foreclosure, a total shock to me! The representative told me to ignore the letter, that sometimes attorneys for the lender " try to scare people into paying up to make the account current. '' I called and left messages with the law firm to no avail. On XX/XX/year>, a Judgement of Foreclosure was made on my home.This was a clear case of Dual-Tracking on the part of Mr.Cooper XXXX XXXX XXXX  and XXXX XXXX XXXX I want to stop any foreclosure sale and right the wrong committed against me. Thank you. XXXX, XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with 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.

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 a 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 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 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 non-monetary relief
Consumer complaint received 2024-11-25 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: AL

Complaint narrative:
In accordance with 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.

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 a 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 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputes to TransUnion, XXXX, and XXXX regarding incorrect information on my credit report. I listed the accounts and pointed out the violations in my consumer report. It's been over 30 days, and I haven't received a response. Attached are copies of all the letters I sent. 

This company has violated FCRA Section 623 ( a ) ( b ) by not marking the disputed account as disputed. Additionally, Section 605 ( c ) has been violated due to incorrect reporting of the last activity date, which should reflect the last payment made.

The company has also failed to validate the collection account, violating FDCPA Section 809 ( b ), according to the FTC 's opinion.

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 2024-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Timeline for Reporting Bank Fraud and Chase Bank inability/unwillingness to help XXXX XXXX : I was approached by a then-credited firm called XXXX XXXX XXXX to XXXX XXXX XXXX through a bank guarantee. Company can be found here : XXXX XXXX XXXX This was done through several video calls, and emails where I could see and speak with the CFO, XXXX XXXX XXXX XXXX We had done due diligence, certified the company 's standing with the XXXX XXXX XXXX, and deemed the company legitimate. 
XX/XX/year> : After our project was approved, he recommended using XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX ) as a broker for the deal. 
XX/XX/year> : After having my lawyer thoroughly review the contract, both XXXX XXXX XXXX and my company engaged in a contract. See the attached deed of agreement. 
XX/XX/year> : XXXX XXXX provided our company with an invoice for the deposit on the instrument. This amounted to {$100000.00} and was paid to the account referenced in the attachment. 
XX/XX/year> : XXXX XXXX then provided our company with an invoice for part of the leasing fee of {$110000.00}. This amount was previously not disclosed in our documents. We declined to pay that as we were not contractually obligated to at the time. 
XX/XX/year> : The fraudulent nature of the business account was first recognized. 
A total of six calls were made to JP Morgan Chases customer service to report the fraud. 
XX/XX/year> : An agent was reached but declined to assist with the case or provide actionable support. 
XX/XX/XXXX - XX/XX/year> : Attempts were made to contact JP Morgan Chase via their advertised email for reporting fraud ( XXXX ). However, all emails bounced back, indicating the email address was nonfunctional or inaccessible. 
Conclusion JP Morgan Chase Bank has demonstrated an inability or unwillingness to assist in resolving this matter, despite multiple attempts to report the fraudulent activity through official channels. Due to their lack of support, it is necessary to escalate this issue to appropriate regulatory authorities, including the **Federal Trade Commission ( FTC ) ** and the **Securities and Exchange Commission ( SEC ) **. This situation raises concerns about the bank 's commitment to addressing bank fraud and potentially aiding in the facilitation of fraudulent activities or money laundering.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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:
In my credit report, several errors and potentially unverified items came to my attention, prompting me to take action to ensure compliance with federal law, particularly the Fair Credit Reporting Act ( FCRA ). Here 's what happened : I found inaccuracies in my personal information, including my name, employers, addresses, and date of birth, which are incorrectly reported. Additionally, accounts such as XXXX XXXX, XXXX, and XXXX are listed but require factual verification. There are also collections from entities like XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX, and XXXX XXXX, which may not be valid. Furthermore, an unauthorized inquiry from XXXX XXXX XXXX  on XX/XX/year>, is present on my report. 

I formally contested these inaccuracies and unverified entries under 15 U.S.C. 1681i, which mandates that credit reporting agencies must investigate disputed information within 30 days. I requested they provide verifiable evidence of the legitimacy and accuracy of the disputed items, as required by law and Metro 2 data field reporting standards. If they can not verify the data with physical proof, they are legally obligated to correct or remove it from my credit report. 

These inaccuracies and unverified claims undermine the integrity of my credit report and infringe on my rights as a consumer. I am now waiting for the reporting agency to resolve these disputes promptly and provide me with an updated and corrected 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 non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been going back and forth with Equifax about my credit reporting. I asked for information showing I was 30 days late in XXXX. Nothing has been sent to me. I also contacted XXXX  XXXX  and they stated they give the bureaus the information every XXXX of the month and my payments are due every XXXX of the month and as of now I am current with only XXXX payment being due with the company. All other payments have been made. I contacted the credit bureau already about the information being inaccurate and they still updated it to 30 days late. This is tremendously frustrating and hurting my score. I am asking for this misinformation be updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
I filed a complaint with the three major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused.

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 2024-11-25 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: TX

Complaint narrative:
I filed a complaint with the three major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused.

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 2024-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I tried to complete a financial transaction via Zelle using my XXXX account on XX/XX/year>. Unfortunately, I later realized that the funds were sent to the wrong phone number and, therefore, went to the wrong recipient. I contacted XXXX 's dispute department immediately and they told me that they would process the refund, but after many days passed. I did not receive any follow-up communication, so I called them again and they told me that I would need to dispute the transaction with Zelle. I called Zelle and they sent me back to XXXX. I later concluded that neither entity wanted to take responsibility for the transaction. 

Both XXXX XXXX and Zelle have failed to provide any protection for their customers. Both entities are well aware of the potential problems with transactions, yet they leave their customers vulnerable. 

XXXX and Zelle continue to take advantage of their customer 's vulnerability and fail to provide protection or security from an imperfect system that they recklessly thrust on unsuspecting customers and continue to make millions from

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 2024-11-25 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: CA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXXXXXX 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