vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 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: MD

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I want to cancel my Bank of America credit card before the annual renewal fee is charged. It is not possible to cancel the card from their online banking site or mobile app. I called the help number but was never able to get through to an associate to assist.

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 2024-06-05 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: 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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-06-05 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:
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. 

Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-06-05 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: Open Dealer Exchange, LLC
State: PA

Complaint narrative:
I called XXXX to get credit report and I noticed some inquiries that I dont know about due to law 15ufc1681b I have the right to dispute this and would like this off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account with ATLCAPBKSELF, XXXX, XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX, XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: CA

Complaint narrative:
I've complained to the Consumer Financial Protection Bureau ( CFPB ) about the credit bureaus ignoring my disputes. Even after I gave them proof to fix mistakes on my credit report, they did nothing. This made me stressed and worried about my finances. I want the CFPB to make sure the credit report shows the truth about my finances. I've attached of a letter that I've created to try and dispute these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: OH

Complaint narrative:
there are numerous inquiries in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : US DEPARTMENT OF EDU inquiry date XX/XX/XXXXXXXX XXXX XXXX inquiry date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: FL

Complaint narrative:
I am XXXX XXXX, and I wish to clarify that this message is being sent independently and not on behalf of any third party. Recently, I conducted an examination of my credit report, which caused significant distress upon discovering unverifiable, invalidated, inaccurate, and questionable entries. Your agency, tasked with ensuring the accuracy of consumer reports, has not fulfilled its obligation to ensure that the reported information is entirely accurate. 

In accordance with 15 U.S. Code 1681e ( b ), consumer reporting agencies are mandated to implement reasonable procedures to guarantee the utmost accuracy of information pertaining to individuals in the consumer reports they generate. 


As a consumer, by law, my credit report must be 100 % accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts and items listed in my dispute letters attached. 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 non-monetary relief
Consumer complaint received 2024-06-05 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: FL

Complaint narrative:
I am XXXX XXXX, and I wish to clarify that this message is being sent independently and not on behalf of any third party. Recently, I conducted an examination of my credit report, which caused significant distress upon discovering unverifiable, invalidated, inaccurate, and questionable entries. Your agency, tasked with ensuring the accuracy of consumer reports, has not fulfilled its obligation to ensure that the reported information is entirely accurate. 

In accordance with 15 U.S. Code 1681e ( b ), consumer reporting agencies are mandated to implement reasonable procedures to guarantee the utmost accuracy of information pertaining to individuals in the consumer reports they generate. 


As a consumer, by law, my credit report must be 100 % accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts and items listed in my dispute letters attached. 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 2024-06-05 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: SC

Complaint narrative:
This will be my second attempt at resolving this issue. I pulled a recent copy of my credit report and noticed two accounts reflecting in accurate information, in the form of late payments ( XXXX and XXXX XXXX XXXX accounts ). Not only have I never been late, but reporting this inaccurate information to profile is in violation of the FCRA. 
According to According to 15 USC 1681i ( 7 ) each credit reporting agency is required to provide me their procedures on concluding any payments were late, which Experian, XXXX, and XXXX has been unable to do. I've sent letters certified mail requesting this information with No formal response or evidence proving that I have ever been late on these accounts. 
According to 15 USC 1681 ( A ) 2i. The FCRA governs a consumers transactions and experiences from being included and reported to a consumers profile. A late payment is considered a transaction and consumer experience. 
Reporting this unverified and inaccurate is also in violation of 15 USC 1681EB as each credit reporting agency is required to ensure maximum accuracy, when reporting to my consumer profile

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 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2024, I had learned that a merchant I hired to do a job and that I paid {$10000.00} was having some major staffing issues for a job that was in progress. Three of the key personnel at the merchants organization quit on the same day. 

The people who had quit informed me on XX/XX/2024, that the merchant was attempting to claim that the job was fully done, even though the job was not fully completed. I immediately contacted the merchant on XX/XX/2024. Due to The lack of substantive response from the firm, I initiated a dispute with my credit card company JP Morgan Chase. 

JP Morgan Chase did an initial investigation. During the dispute process, the merchant made many false claims, one of them being that the job they were hired to do was completed. That is entirely not true. The job is not completed. 

Initially JP Morgan Chase, believing the false statements of the merchant, sided with the merchant on XX/XX/2024. I submitted a re-dispute on XX/XX/2024 where I outlined in great detail how exactly the work was not completed and that there were several instances of quality issues with the work. Namely, the main quality issue is that the merchant stopped working on the job I hired them to do entirely after the key personnel left on XX/XX/2024. 

I had reached out to one of the key employees who had quit the merchants organization and they wrote a 6-page long affidavit outlining that the work was not completed. 

I resubmitted my dispute on XX/XX/2024 with many pages of documentation and the affidavit of the former employee. 

JP Morgan Chase wrongly did not open my re-dispute and is not assisting me with this dispute any further. I would ask that JP Morgan Chase please review the facts of my dispute and please re-open the dispute as a quality of service issue because although some work was completed, it was not entirely completed, and to stop working in the middle of a job has forced me to spend an additional {$6000.00} for another merchant to complete the work that the original merchant is refusing to complete. 

This has caused me a great financial hardship at the worst possible time. 

I ask that JP Morgan Chase please do right by me as a consumer and open the dispute as a quality of service issue for work that was promised to be completed but never delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding a collection accountS labeled XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Sears Mastercard issued by Citibank provided a special offer email for XXXX purchases at Gas Stations, Restaurants and Grocery Stores. I activated the offer on XX/XX/XXXX at XXXX and received a confirmation of the activation from them. This offer was spend XXXX XXXXXXXX {$1900.00} and receive 10,000 bonus points, spend {$2000.00} or more and receive XXXX Thank You Points. After spending over {$2000.00} from XX/XX/XXXX to XX/XX/XXXX I expected to receive these points. After reviewing my account since XX/XX/XXXX no points have been applied so I contacted them regarding this issue. They deny the offer was activated and indicated they don't see it in their system even though I have an email showing it was activated as they provided the confirmation. I have attempted to resolve this on 3 calls but they won't let me submit the proof email. They basically said too bad. I have activated and received several of these in the past with no issue. I was told they have issues with their Thank You Points system but there is nothing they can do. I wonder how many other card holders are being cheated out of points without realizing it.

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 2024-06-05 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: CA

Complaint narrative:
I am sending my identity theft report for fraudulent accounts still being reported on my credit. I have already notified Transunion that these are from 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 2024-06-05 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: 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. 

Account Name : XXXX  / XXXX  : Account Number : XXXX Account Name : XXXX / XXXX  : Account Number : XXXX Account Name : XXXX/XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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