vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 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: IL

Complaint narrative:
On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for 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 This has cause me great XXXX, stress, and financial hardship.

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 2024-11-06 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: OK

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My address is not correct on any of my credit reports and is keeping me from conducting business which is against the federal law for the Credit bureau to interfere with commerce. The addresses listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( on credit twice ), XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX are not an accurate addresses because I have not lived at these addresses. it was a childhood address. The XXXX address needs to be removed. The bureaus refusing to make these corrections constitutes as willful ignorance and Civil Liability for Willful Noncompliance underneath U.S. Federal law and has grounds for penalties of {$1000.00} per each violation not corrected under U.S.Code 1681 ( n ) .he relevant US code for credit bureaus not updating correct information on a credit report is 15 U.S.C . 1681 et seq., also known as the Fair Credit Reporting Act ( FCRA ) ; this law requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy of information on consumer credit reports, and also outlines consumer rights to dispute inaccurate information on their reports. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies states that if the information on the credit report is wrong it must be corrected. If credit bureaus violates the FCRA, consumers can sue for statutory damages ranging from {$100.00} to {$1000.00}, even if they can not prove actual harm. i was a victim of Identity theft and data breach through Equifax and XXXX. The reference number to my FTC Identity Theft report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My address is not correct on any of my credit reports and is keeping me from conducting business which is against the law for the Credit bureau to interfere with commerce. The address listed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not an accurate address because I have not lived at that address for over 20 years. it was a childhood address. The XXXX address needs to be removed. The bureaus refusing to make these corrections constitutes as willful ignorance and Civil Liability for Willful Noncompliance underneath U.S. Federal law and has grounds for penalties of {$1000.00} per each violation not corrected under U.S.Code 1681 ( n ) .he relevant US code for credit bureaus not updating correct information on a credit report is 15 U.S.C . 1681 et seq., also known as the Fair Credit Reporting Act ( FCRA ) ; this law requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy of information on consumer credit reports, and also outlines consumer rights to dispute inaccurate information on their reports. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies states that if the information on the credit report is wrong it must be corrected. If credit bureaus violates the FCRA, consumers can sue for statutory damages ranging from {$100.00} to {$1000.00}, even if they can not prove actual harm. i was a victim of Identity theft and data breach through XXXX and Experian.

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 2024-11-06 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: FL

Complaint narrative:
XXXX 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 and 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 XXXX Account number ( XXXX ) Open date : XX/XX/XXXX XXXX XXXX Account number ( XXXX ) Open date : XX/XX/XXXX XXXX XXXX XXXX Account number ( XXXX ) Open date : XX/XX/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 XXXXXXXX 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 2024-11-06 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 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 XXXX, Equifax and 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 XXXX Account number ( XXXX ) Open date : XX/XX/XXXX XXXX XXXX Account number ( XXXX ) Open date : XX/XX/XXXX XXXX XXXX XXXX Account number ( XXXX ) Open date : XX/XX/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 ComplainXXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Ive been battling an unauthorized transaction. I have all the proof I spoke to a customer service representative and then emailed her back. She was negligent did not even message with any questions or respond back its almost been a whole month. Completely terrible service no one deserves a bank like this. 
It makes consumers like myself think is this Company run by criminals? 

I had an unauthorized charge back on a digital item I bought from XXXX that I really want back. I never asked for a refund never requested a chargeback. I was never refunded the money. The balance was accurate otherwise XXXX wouldnt have been able to pull any funds. I disputed one charge back on an entire entirely different product and they decided to XXXX with other transactions against my authorization! I guess you could say my bank has become XXXX. 
The bank did this on their own initiative and theyre too scared to clean up their own mess. XXXX is upset who is the Merchant Ive been doing business with. I am very upset, I am the card holder and PNC is continuing to bring misfortunate to people. 

XXXX is willing to give a statement and provide everything they did on their investigation if needed they are a large corporation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint concerning the inaccurate reporting of multiple late payments by JPMCB Card Services to the credit bureaus. According to their records, several payments are falsely reported as late. These alleged late payments were made on time, yet this incorrect information remains on my credit report, causing harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I'm a international traveler who open checking accounts numbers internationally globally. 
I was XXXX XXXX regular XXXX XXXX  XXXX XXXX Texas XXXX, around XXXX to XXXX. 
During those years I open department store credit cards accounts. 
I lost all my department store credit cards account.

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 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, my consumer rights have been violated. 15 U.S.C 1681 section 604 A. States I have the right to privacy. 15 U.S.C. Section 1681 604 Section 2 : also states a consumer reporting agency can not furnish an amount without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: MI

Complaint narrative:
My husband and I filed a claim in XX/XX/year> for fraudulent withdraws from our bank account at a XXXX XXXX atm on XX/XX/year> around XXXXXXXX XXXX. We worked with J.P. Morgan chase to provide all information needed to file the claim to despute the charges. The claim was filed, then it was denied ( which I did not have knowledge of until XXXX ) because they claimed they only took our word for it, and because my husbands pin was used it was deemed denied. Because the check the money came from was fraudulently deposited in our account, which we stated in the claim, we are now in XXXX being debited for {$6500.00} weeks never spent, or authorized. 

We have contacted chase about this and was told we can file a reopen of the claim if we want to, which we are doing. But due to this our account is negative, they closed our account, and told us they will send it to collections. We are distraught by this. There has never been activity like this on our account. It is fraudulent and we we have since filed a police report, have letters from our employers verifing we were both at work with these transactions took place, and have relentlessly called chase about this. I also could not access my old claim online and they stated it was due to it being an old claim. This made me feel as if they wanted this situation to fall on our hands, even though we did not withdraw this money It is very clear they do not want to assist us as a customer and have not communicated properly with us our claim status, and are holding us responsible for something illegal and fraudulent we never did. I have provided what documents listed above that verifies we were not in XXXX the day and time this occurred. We look forward to your help in resolving this matter. We are honest hardworking people and have never done and never will do anything like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. XXXX 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$96.00} CHARGED OFF - XX/XX/scrub>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 2024-11-06 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. XXXX 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$96.00} CHARGED OFF - XX/XX/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 2024-11-06 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief