vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 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: 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. This is XXXX XXXX please 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 non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX XXXX I received notification from Chase that my password was changed and that my new device was validated. I did not make any changes to my account so I called Chase to see what was going on. I was told that they didn't see any notifications on there end, it may be a scam and I should email XXXX and include the screen shot. Which I did. On XXXX XXXX XXXX went to use my debit card for lunch and it was declined. I called Chase again to see what was going on. Thats when they saw all the changes that were made and I informed them that it wasn't me. At that point, I still had my funds in my account. Whoever hacked my account changed my password, my email address, mailing address and requested a new card. They took all my information, issued a secret passcode for when I call in and said they will reissue a new card and update my information. The rep was having phone issues so he told me to call back. I called back after work and requested assistance with logging in my account due to change in password and make sure everything was straight. When I logged in, that's when I noticed that all of my money was gone. The rep looked into the notes and told me he was going to reissue a new card but I told him that the prior rep did that already. He said there weren't any notes indicating the reissue of a card so he would do it. At that point I asked to speak to a supervisor. The supervisor reads all of the notes and I explained everything and said that he was going to file a claim and that everything looked good. Today, XX/XX/XXXX I received a statement saying my claim was denied. So I called back to again see what's going on and I was told the investigation found those transactions to be authorized. How could I have made those transactions when my card wasn't working? 
4 Withdrawals - $ XXXX {$410.00} 1 Withdrawal - {$400.00} 1 Withdrawal - {$200.00} 1 Withdrawal - {$300.00} 1 Withdrawal - {$42.00} 5 ATM Fees - $ XXXX {$15.00} Totaling = {$1300.00} I just want my money back. I notified the bank twice before my money was taken and they did nothing to protect my account. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: NY

Complaint narrative:
Greetings. Federal Trade Commission Report clearly stating fraudulent account from XXXX XXXX. Failure of Experian to allow fraudulent account from XXXX card. The data furnisher false information and violations of state and federal laws regulations in New York State. This fraud account from XXXX XXXX and Experian lack of understanding laws governing credit reporting will allow me to request punitive and compensatory damages. Thank you.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

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 explanation
Consumer complaint received 2024-11-07 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: EQUIFAX, 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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: LA

Complaint narrative:
I submitted a claim twice already asking the credit bureau to update or remove my the accounts listed below due to inaccuracies. Under 15 code 1681I, it states that items that have been disputed and come back inaccurate, I have a right as a consumer to have those items deleted. Please delete the following 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 2024-11-07 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: TN

Complaint narrative:
Personal Statement for CFPB Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX Email : XXXX Phone : ( XXXX ) XXXX XXXX : XX/XX/XXXX SSN : XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX, Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : -Attached below are supporting documents -Formal Dispute Letter Detailing My Complaint -Copy of US Driver License ( Proof of Identity ) -Copies of a Paystub & Utility Bill ( Proof of Address ) -FTC ( Federal Trade Commission ) Identity Theft Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I paid my minimum payment on XX/XX/year> of XXXX. This is what I was told was my minimum payment when I spoke with the representative while making the payment. I did not pay additional fees at that time. The amount that is showing as past due is a late fee. I inquired about the late fee being waived, but the most important thing was for me to pay my minimum payment. 

My payment was accepted. I was told that I could later talk with another department concerning waiving my late fees. 

I should not be reported as a late payment because of a late fee. I will pay any associated late fees to assure that the account is current. However, I did make my minimum payment and it is not fair that I be penalized for a late fee.

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 2024-11-07 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: AR

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2024-11-07 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: NC

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX Balance Owed : {$540.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: EQUIFAX, INC.
State: VA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: TX

Complaint narrative:
Im reaching out for assistance with the false account shown on my credit report. This issue has harmed my reputation as a customer, and I require your help. I want these accounts removed as they are incorrectly and negatively reported.

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 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This letter serves as a second and final notice regarding my dispute of the unauthorized collection account listed on my credit report. I initially submitted a dispute on XX/XX/XXXX, under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To date, I have not received any valid resolution, nor has the account in question been removed or properly validated. This lack of response constitutes a violation of both federal laws.

As a reminder, the details of the disputed account are as follows : Creditor/Collection Agency Name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$1000.00} Date of Account : XX/XX/XXXX Additional Violations : I would also like to point out that XXXXXXXX XXXX XXXX XXXX XXXX does not hold the required license to collect debts in the state of Ohio. This lack of proper licensing renders all collection activities by this agency in the state unlawful. Any attempt to collect a debt in Ohio without a license is a direct violation of state law, and therefore, this collection account should be removed immediately from my credit report. 

On XX/XX/XXXX, I sent a debt validation letter to XXXX XXXX XXXX, XXXX, requesting validation of this debt within 30 days as required by the FDCPA. To date, I have received no response or documentation validating this debt.

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 2024-11-07 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: NC

Complaint narrative:
TransUnion keeps lowering my XXXX XXXX whenever I pay off my revolving credit card as if it was a traditional loan. I have contacted them about it and they told me that I cant dispute my score being lowered. The other credit bureaus are not doing this. The first time it was lowered by XXXX points and again XXXX points.

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 2024-11-07 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: World Omni Financial Corp.
State: CA

Complaint narrative:
To whom it may concern, I am writing to formally dispute the late payment entries that have been reported to the credit bureaus on my account. I believe this information is inaccurate and does not comply with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, specifically FCRA Section 602 ( 15 U.S.C. 1681 ) and Section 604 ( a ) ( 2 ), as well as 15 U.S.C. 1666b.

Under FCRA Section 602, credit reporting must adhere to a high standard of accuracy and fairness, ensuring that only accurate and fully verified information appears on consumer reports. Inaccurate reporting of late payments damages my creditworthiness and causes unjust harm. By reporting late payments without clear, accurate verification, [ Creditors Name ] is in violation of this standard.

Additionally, according to FCRA Section 604 ( a ) ( 2 ) ( 15 U.S.C. 1681b ), only permissible purposes justify the furnishing of consumer report information. The inclusion of unverified, erroneous late payments on my report constitutes a misuse of the reporting system and suggests the failure to uphold permissible purpose standards.

Furthermore, I request that you review 15 U.S.C. 1666b, which provides guidance on the timely posting of payments. It is my contention that these late payment entries may reflect a failure on [ Creditors Name ] s part to accurately process payments in a timely manner, per the requirements of this statute.

In light of the above, I request immediate removal of any inaccurate late payment notations on my credit report. Please respond to this dispute by providing documentation verifying the accuracy of this information, or proceed with the correction and update of my account.

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute letter and provide a resolution timeline. I look forward to your cooperation in correcting my credit report to ensure its accuracy. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: FL

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. Convergent Account # 1234, has 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 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 XXXX 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