vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00}, XXXX XXXX XXXX XXXX XXXXccount # : XXXX date opened XX/XX/XXXX Bal. {$0.00}. Inquires : XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize nor authorized. XXXX and XXXX completed their investigation and found said account ( s ) to be unverifiable.

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 2024-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made three substantial payments through the bank website, indicating the money was to go to pay the principal. The money was left in an 'unapplied state ' and not to pay down the loan. When I inquired, they said they first had to receive the monthly payment before they could apply the money. I made a monthly payment. Then they said they were going to wait for the automatically paid monthly payment before they would apply any of the money to the principal. When they did apply it, they did not follow my instructions, as they applied the funds to prepay MULTIPLE monthly payments. As a result, the principle is listed at over {$94000.00} when it should be around {$84000.00}. 

They are intentionally refusing to apply the money I sent as I instructed. 
I want this fixed and I want a credit for the extra interest that was generated for their failure to do this properly in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I believe my credit report contains fraudulent accounts opened without my permission. Please ensure they are blocked and removed.

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 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am writing to file a formal complaint regarding an unauthorized and unexplained halt to a transfer from my Chase personal checking account. This incident has caused significant frustration, financial inconvenience, and a lack of confidence in Chase Bank 's service reliability. 

Details of the Issue : Type of Account Involved : Personal Checking Account Date and Time of Transfer Initiation : XX/XX/year> Amount Involved in the Transfer : {$2400.00} Intended Recipient : My own account at XXXX XXXX Method of Initiation : Online web browser Communication from Chase Bank : None. Instead of a notice, I was abruptly locked out of my account. 

The transfer was initiated on XX/XX/year>, via the Chase online web browser, with the expectation that it would be processed promptly. However, the transaction was halted without any explanation or prior communication, and my account was locked. 

Steps Taken to Resolve the Issue : XX/XX/year> : I called Chase Banks customer service to address the issue. Unfortunately, the representative I spoke with was rude and unhelpful, offering no meaningful assistance or explanation for the account lockout. 
XX/XX/year> : After another call and much back and forth, I finally regained access to my account. However, this process was unnecessarily stressful and time-consuming. 

Impact of the Issue : The unwarranted account lockout and delayed transfer caused me to incur {$50.00} in late fees due to missed payments. This financial burden was compounded by the lack of communication and the unprofessional behavior of Chase Bank representatives. 

R

equest for Resolution : I request the CFPBs assistance in addressing this issue with Chase Bank. Specifically, I seek : A detailed explanation for the halt of my transfer and the lockout of my account. A review of Chase Bank 's communication and customer service practices. Assurance that such incidents will not occur in the future.

Reimbursement for the {$50.00} in late fees and compensation for the unnecessary stress and inconvenience caused by this incident. 

Preferred Contact Method : I can be reached via email at XXXX. 

Thank you for your attention to this matter. I look forward to your response and assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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:
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 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 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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: CA

Complaint narrative:
Subject : Cease and Desist and Dispute of Debt Collection Reporting To Whom It May Concern, This letter serves as a formal dispute of the debt you are attempting to collect and as a notification that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), to request that you cease all further communication with me regarding this alleged debt. Additionally, I am disputing the accuracy of the reporting of this debt on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ). 

The debt in question is as follows : Account Name : XXXX XXXX XXXX XXXX Amount Alleged Owed : XXXX XXXX, 2021 Request to Cease Communication : Under 15 USC 1692c ( c ), you are hereby notified to cease all communication with me regarding this debt. Any further communication, other than those allowed by law, will be considered a violation of the FDCPA and subject to legal action.

Dispute of Debt and Reporting I dispute the validity of this debt and the accuracy of its reporting on my credit report. The Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), requires that credit reporting agencies maintain maximum possible accuracy in their reporting. If you can not provide verifiable proof that this debt is valid and belongs to me, it must be removed from my credit report immediately.

Action Requested : Provide Validation : Send me documentation validating the debt, including the original contract and payment history.

Cease Communication : Cease all further attempts to contact me regarding this debt as per 15 USC 1692c ( c ).

Update Credit Report : If the debt can not be verified, remove it from my credit report and confirm in writing that it has been deleted.

Please consider this letter a formal dispute under both the FDCPA and FCRA. Failure to comply with these laws will leave me no choice but to report your violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Thank you for your immediate attention to this matter. I look forward to receiving your response within the timeframe required by law. 

Sincerely, 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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: SC

Complaint narrative:
I require your help to resolve the issue of an incorrect account on my credit report. This has been detrimental to my reputation as a customer, and I am asking for these accounts to be removed due to their inaccurate and negative reporting.

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 2024-12-10 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: MI

Complaint narrative:
Sincerely To Whom It May Concern, I am writing to formally dispute inaccurate information reported by XXXX XXXX XXXX on my credit report. This matter is negatively affecting my credit score and, as such, violates the provisions of 15 U.S.C. 1666b, which outlines the timely posting of payments and proper credit reporting obligations.

The inaccurate reporting indicates late payments that I believe to be erroneous. I am requesting an immediate investigation and removal of these inaccuracies under the Fair Credit Reporting Act ( FCRA ). Specifically, under 15 U.S.C. 1681i ( a ), I am entitled to a reinvestigation of disputed information. If the creditor can not provide concrete evidence and documentation proving that I was late, you must remove these inaccuracies from my report.

Attached to this letter, you will find : 1. A copy of my credit report highlighting the disputed items.

2. Supporting documentation confirming my timely payments. 

I demand that you recheck these items with XXXX XXXX XXXX, the reporting creditor. Please remove any unverifiable or inaccurate information. Furthermore, I expect you to complete this reinvestigation and provide me with an updated copy of my credit report reflecting these changes within the legally required 30 days. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates on your progress at your earliest convenience. 

Sincerely, 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 2024-12-10 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: TX

Complaint narrative:
Initial Disputes were made XX/XX/year>, investigation was not properly conducted nor delivered by all the reporting agencies. Improper remarks reflected on report as such account is previously marked as " in dispute '' but is currently labeled as " resolved per your section of Creditor Remarks.

account previously in dispute? Now resolved? Reported by Subscriber is the exact grammar and wording used in report a picture of the report will also be included in this complaint. All the errors and unfair practices they are utilizing is hindering my entire creditworthiness and reputation.

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 2024-12-10 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: TX

Complaint narrative:
Initial Disputes were made XX/XX/2024, investigation was not properly conducted nor delivered by all the reporting agencies. Improper remarks reflected on report as such account is previously marked as " in dispute '' but is currently labeled as " resolved per your section of Creditor Remarks.

account previously in dispute? Now resolved? Reported by Subscriber is the exact grammar and wording used in report a picture of the report will also be included in this complaint. All the errors and unfair practices they are utilizing is hindering my entire creditworthiness and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: NC

Complaint narrative:
After pulling my credit report, I noticed there were several erroneous accounts listed on my credit report. On XXXX XXXX I sent a letter requesting validation of this account including a breakdown of the fees including collection costs and medical charges as well as a copy of all documents bearing my signature for XXXX Acct # XXXX in the amount of {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit report contains unauthorized hard inquiries, which contravene 15 USC 1681c-2. These errors are harmful to my credit, and I kindly ask for them to be corrected.

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 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
this account has always been in good standing I had several surgeries and had to take leave from work I communicated with capital one made small payments to keep account open best that I could financially they were unwilling to work with me and still took small payments from my bank account. I EXPLAINED TO THEM ALL OTHER CREDIT CARDS WERE WORKING WITH ME!!! I spoke with gut who agreed to settle this account for {$2500.00} after I paid {$1200.00}, in XXXX capital one has charged off account and have completely ruined my credit. Since the account has been charged off, I'm requesting a 1099C TAX FORM AND FOR MY CREDIT FILES TO BE CORRECTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint of FCRA Violations and Cease and Desist Request To Whom It May Concern, I am writing to formally lodge a complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) as it pertains to the improper handling and reporting of my credit file by Equifax. 

On XX/XX/2024, I received three correspondences from Equifax related to identity theft, which requested documentation to validate my identity. These correspondences were sent to my correct address at XXXX XXXX XXXX XXXX. In compliance with your requests, I have provided the necessary documentation several times over the past three months. The documents submitted include, but are not limited to : 1. Short and long form birth certificates 2. W-2 forms displaying my complete Social Security Number 3. Recent pay stubs 4. Georgia rental lease containing my current address 5. Georgia identification card Despite my repeated and timely submissions of these documents, Equifax has made no significant progress in updating my credit file to reflect the verified information. This ongoing pattern of hindering and delaying the accurate reporting of my credit information is highly concerning and indicative of egregious mishandling. 

I have not encountered such malicious resistance from XXXX or any other credit reporting agency. My requests to Equifax have gone unanswered, and the situation has only escalated. It is important to note that a Federal Trade Commission ( FTC ) fraud alert was placed on all my credit files in XXXX. Since then, instead of addressing the issue responsibly, Equifax has renewed its efforts to evade accountability for the FCRA violations that have been committed against me. 

Additionally, I wish to highlight that Equifax has enabled and allowed fraudulent companies to report inaccurate information on my credit file, constituting violations of both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

I hereby demand the following : 1. An immediate cessation of all improper handling of my credit file.

2. The removal of any inaccurate or unverified information reported by Equifax.

3. A thorough investigation ; into the current, not new investigation, into my identity theft claims based on the documentation I have provided.

4. Updated and accurate reporting on my credit file reflecting the verified information I have submitted.

If these demands are not met promptly, I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau and seek legal counsel to protect my rights under the law. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation