vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
From XXXX XXXX my Chase debit card was used XXXX times as it was comprised by thieves or hackers. They used my card at XXXX local XXXX stores by making a purchase then withdrawing {$100.00} cash XXXX times. Also, they made XXXX consecutive withdrawals at a cash station totaling {$1000.00}. Altogether the thieves walked away with {$5500.00} from purchases at XXXX along with {$1000.00} using my debit card over the course of XXXX days. These transactions took place in the late evening hours towards store closing times. 

Due to my memory problems I was unable to file a claim in the correct state of mind. I let my son speak on my behalf which Chase agreed to. They were able to credit my account for the {$1000.00} cash withdrawals from a separate claim. That claim was submitted on XX/XX/XXXX and approved on XX/XX/XXXX. 

To this day there is now a matter of {$5500.00} still unresolved. I have spoken to XXXX separate escalation managers named XXXX and XXXX and no resolution has been made. I spoke to XXXX on XX/XX/XXXX and he explained a technical error occurred and the money would be refunded within XXXX days. Unfortunately all I received was a rejection letter that reads " We found that the transaction ( s ) was processed according to the information you provided or was authorized. '' On the morning of XX/XX/XXXX I spoke to another escalation specialist named XXXX and went through every single fraudulent transaction along with explaining the circumstances from XXXX XXXX. She was nice enough to conduct thorough research and explain why XXXX separate claims for {$5500.00} were rejected. After spending XXXX hour and XXXX minutes on the phone, she made an assurance that " money would be refunded within a few hours. '' It is now XXXX XXXX  on XX/XX/XXXX and still I have not been refunded. 

I am beyond frustrated and unable to retrieve this money. I have banked with JP Morgan Chase for many years and never had this problem before. The escalation managers can be reached at XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-01 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: MD

Complaint narrative:
Consumer Name : XXXX XXXX Consumer DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Auto Loan, Credit Cards, Auto insurance. from XXXX XXXX XXXX with a balance of {$410.00}, XXXX XXXX XXXX with a balance of XXXX, XXXX XXXX, with a balance of {$2300.00}, XXXX XXXX, with a balance of {$1900.00}, XXXX XXXX, with a balance of XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 2024-11-30 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, La XXXX XX/XX/2024 To : Whom it May Concern Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-o for { Charge off amount goes here } from { Creditor Goes here/ or company account was sold too }, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/2024. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within XXXX days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 

Sincerely, 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 2024-11-30 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: SC

Complaint narrative:
CREDIT BUREAU : XXXX XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : ALL FRAUDULENT INQUIRIES AND ALL FRAUDULENT COLLECTIONS WHICH IS ILLEGAL. XXXX XXXX XXXX XXXX XXXX IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD XXXX  DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. XXXX AND EXPERIAN HAVE MOVED THESE FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT FOR OVER XXXX  YEAR. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING XXXX XXXX XXXX XXXX XXXXTO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. XXXX XXXX XXXX XXXX XXXX HAS XXXX  DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR XXXX REPORT. IF XXXX XXXX XXXX XXXX XXXX DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. XXXX XXXX XXXX XXXX XXXX EIN XXXX. XXXX XXXX XXXX, XXXX, Illinois XXXX. In connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. XXXX XXXX XXXX XXXX XXXX XXXX SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER 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 2024-12-01 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: NY

Complaint narrative:
To Whom It May Concern, I am Disputing The charge-off account listed by XXXX XXXX XXXX should not reflect as my liability since I was not the original requestor of the credit but rather the guarantor. 

Charge Offs are income and I should have received the XXXX or XXXX cancelation of debt form, that I NEVER received which is a blatant violation and MUST be removed. 

Congress passed the FCRA law no income can be reported on your consumer credit reports ( USC 1681 ( 2 ) ( a ) ( i ) no transactions or experiences can be reported. I

ncome is transactions and experience.

I want Explicit documentation that TransUnion investigated this matter thoroughly and provide me with documentation to support this. Per 15 U.S.C. 1681s-2, furnishers of information must ensure accuracy and proper attribution of debt. Reporting this charge-off under my name misrepresents the nature of my obligation.

I also want explicit proof and documentation of the charge off from the company as well as the 1099C or 1099A- cancelation of debt form Effective immediately I expect that the status and all reporting on this account associated with XXXX XXXX XXXX be removed from 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 non-monetary relief
Consumer complaint received 2024-12-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX Account : XXXX XXXX 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2024-12-01 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: TX

Complaint narrative:
upon review my credit report, i found multiple accounts on my report that i have no knowledge of and didnt authorize.. ive disputed these accounts with the credit angencys along with sending in copys of my ID theft report, yet these accounts still remain on my credit report, below listed are the accounts in question : XXXX XXXX ( XXXX ) date opened : 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 2024-12-01 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:
XXXX XXXX Reported Charge-offs : {$430.00}, {$470.00}, {$540.00}, {$21.00}, {$28.00}, {$35.00} Potential Violations : FCRA 623 ( a ) ( 1 ) : Furnishing information that is inaccurate or incomplete to consumer reporting agencies. 




XXXX ( XXXX XXXX XXXX ) Reported Charge-off : {$8300.00} Potential Violations : FCRA XXXX ( a ) ( XXXX ) : Reporting information beyond the allowable time limit or failing to ensure the accuracy of reported data. 




XXXX XXXX  Reported Charge-off : {$11000.00} Potential Violations : FCRA 623 ( a ) ( 1 ) : Reporting information that is inaccurate or incomplete. 




XXXX XXXX Reported Charge-off : {$7600.00} Reported Late Payments : Additional issues with payment history inaccuracies. 

Potential Violations : FCRA 623 ( a ) ( 1 ) : Failure to ensure accurate and complete reporting of data. 



XXXXXXXX XXXX Status : Account paid in full ( {$48.00} ), but inaccuracies persist.

Potential Violations : FCRA 623 ( a ) ( 2 ) : Failing to correct or update inaccurate information after notice. 



XXXX XXXX XXXX ( XXXX ) Reported Collection Accounts : XXXX XXXX ( {$1400.00} ) XXXX XXXX XXXX. ( {$450.00} ) Potential Violations : FDCPA 807 ( 2 ) ( A ) : Misrepresenting ownership or validity of the debt.

FCRA 623 ( a ) ( 1 ) : Reporting inaccurate or incomplete data to consumer reporting agencies. 




XXXX XXXXXXXX XXXX XXXX Reported Charge-off : {$2300.00} Potential Violations : FCRA 623 ( a ) ( 1 ) : Reporting information that is inaccurate or incomplete. I sent dispute letters to remedy the situation on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
There is a service called XXXX XXXX  I can not use it without a block placed on my account each and every month. They tell me every month they will permanently remove the block but never do. For XXXX years Ive had to call in and spend XXXX to XXXX hours explaining this. I then must wait XXXX hours to be able to use the service. They say the system detects unusual activity but it never does. Remove this! If receiving a direct deposit is unusual something is wrong. I get nothing but excuses and Im going to close this account because they know it is simple to remove the block but refuse. In XXXX years of monthly calls taking XXXX hours and XXXX years of waiting XXXX hours, Ive waited over a months worth of time to get MY money! 

I filled a complaint with the XXXX XXXX XXXX but Chime didnt address the issue. 

My new cell number is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: Veros Credit, LLC
State: NC

Complaint narrative:
I purchased a used vehicle that was financed through Veros Credit. The vehicle was charged off in XXXX of XXXX by Veros Credit, However, Veros credit continued with threatening collection activities to include threats of repossession of the vehicle all the way through XX/XX/XXXX. 

I never received a XXXX from Veros Credit for the charge off that they claimed on my personal credit report which is still showing today XX/XX/XXXX as a charge off on my personal credit report which is impacting my overall XXXX score as a result of the incorrect reporting. 

I made an agreement with Veros credit to pay an agreed upon balance they claimed was still owed on the vehicle although they received a tax credit from the IRS for the written off balance owed on the vehicle. The reason why I made the agreement was because Veros Credit continued to threaten collections and repossession of the vehicle until the balance they claim was owed was paid on the vehicle. Therefore I am requesting a XXXX from Veros Credit which they were supposed to have provided to me once the account was charged off. 

I paid the agreed upon amount they requested and still had to wait over 4 months from Veros Credit to release the title to my vehicle. Veros Credit has caused a great deal of stress upon me during my dealing with their customer support and other departments within this past year alone regarding the account. I no longer choose to do any type of business with Veros Credit ongoing in the future and at this point, I am requesting a copy of the XXXX from Veros Credit that they were supposed to have provided to me once the account was charged off, so that my taxes can be prepared properly. 

Based upon my personal credit report, the account was charged off in XXXX of XXXX, however, Veros Credit continued to go after collections on the account through XXXX which resulted in my paying an agreed upon amount to settle the debt that they stated that I still owed on the account, although they received a tax credit from the IRS for the charge off amount on the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: MI

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and potentially unlawful entries, which violate the Fair Credit Reporting Act ( FCRA ). The issues I am experiencing are outlined below : 1. Duplicate Reporting of the Same Debt Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), creditors and collection agencies are prohibited from furnishing inaccurate or misleading information to credit bureaus. My credit report shows the same debt reported multiple times by different entities : Original Lender : XXXX XXXX XXXX XXXX XXXX. 
Collection Agency : XXXX XXXXXXXX XXXX Both accounts reflect the same original balance of {$990.00}, the same current balance of {$990.00}, and the same date assigned ( XX/XX/year> ). This duplicative reporting is misleading, unfairly impacts my credit score, and violates the FCRA requirement for accuracy in credit reporting. 

2. Incomplete or Missing Information Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure the accuracy and completeness of information. However, one of the entries is missing key details ( e.g., the " Agency Name '' is blank for one account ). This lack of information prevents me from understanding who owns the debt and whether it is being reported correctly.

3. Failure to Update Information Under 15 U.S.C. 1681s-2 ( a ) ( 2 ), furnishers are required to update information to ensure accuracy. If this debt has been sold or reassigned, the original creditor ( XXXX XXXX XXXX XXXX XXXX ) should no longer report it. However, both entities are reporting the debt, suggesting the information is not being updated. 

4. Misrepresentation of Debt Responsibility If the debt has been transferred or sold to a collection agency, it is misleading for both the original creditor and the new collection agency to report the debt simultaneously. This violates the FCRA, as it creates confusion regarding the debt 's true ownership and status.

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 2024-12-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXhas fraudulently reported XXXX negative remarks stating Charge off on my credit reports after they have filed the charge off got paid thru profit and loss and still reporting on a closed account on my credit files okays due. This is Fraud and a violation of the FCRA. The credit bureaus experian, XXXX and XXXX all culprits as well allowing the update on the closed account and when my credit is pulled the closed accounts are viewed not my open active current accounts. This is Fraud!

Company response to consumer: Closed with explanation