vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX I was notified by a former authorized user on my account that they were still being reported as an authorized user by Chase. Additionally, the account balance was being reported on the former user 's credit as well. This individual had not been an authorized user on the account since XXXX  but could see my credit card balance through XXXX. 
I contacted chase. Chase confirmed that the individual was not an authorized user. When pressed as to why my credit card balance was being reported against this person, they stated the user needed to request the account be taken off and not reported. I stated that this was a breach of my financial privacy and fraudlant reporting. Chase " credit experts ( more than 1 ) '' stated it is not fraud and there was nothing they could do. Chase would have continued to violate my privacy by sharing my account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: PA

Complaint narrative:
SENT IN A REQUEST FOR THE METHOD OF VERIFICATION OF 5 ACCOUNTS REPORTING ON MY CONSUMER REPORT. YOU HAD 15 DAYS TO GIVE THIS TO ME OR DELTE THE ACCOUNTS. I HAVE NOT RECIEVED THE METHOD OF VERICATION THAT I REQUESTED AND THE ACCOUNTS ARE STILL REPORTING ON MY CONSUMER REPORT. YOU ARE IN VIOLATION OF THE FCRA FOR WILLFUL NON COMPLIANCE. YOU WERE TO DELTE THE XXXX ACCOUNTS -- - ( XXXX  XXXX ) ( XXXX  XXXX ) ( XXXX  ) ( XXXX ) ( XXXX XXXX ), IF YOU COULD NOT PROVIDE ME THE METHOD OF VERIFACTION. I WILL NOW PURSUE MY RIGHTS UNDER THE FCRA FOR YOUR VIOLATIONS OF THE FCRA CONCERNING MY CONSUMER REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate t o any transaction ( s ) that I have made. It is the result of identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And the only addresses that should be on my account are XXXX XXXX XXXX XXXX XXXX CA XXXX, AND XXXX XXXX XXXX XXXX XXXX CA XXXX all other are Identy theft remove and update

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 2024-12-27 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: NM

Complaint narrative:
I am reaching out for your assistance in investigating accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these late payments, which they agreed to, but they are still reporting them as late. Despite my efforts to follow up, I have received no updates, and this is now my final option for resolution.

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 2024-12-27 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: NM

Complaint narrative:
I am reaching out for your assistance in investigating accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these late payments, which they agreed to, but they are still reporting them as late. Despite my efforts to follow up, I have received no updates, and this is now my final option for resolution.

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 2024-12-27 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: MN

Complaint narrative:
I reported a lot of credit inquiries that I do not recognize on my three credit report to agencies today on XX/XX/year>, these have happened sometimes on various dates this year and the last year. I would like all of this bad information removed off my reports asap. Their were various dates were the hard inquires where credit was applied for but not off inquiries were not approved loans, none of inquires are not attached to any accounts on my credit report that I know of professionally. Please help me resolve this credit report issue going forward.

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 2024-12-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I opened a Robinhood account on XX/XX/XXXX. My account was restricted on XX/XX/XXXX for some undisclosed reason. Cant buy or trade stocks or crypto. Can not withdraw money out of the platform! 

Their process to clear up the restriction is utterly negligent. You can not call anyone. You must request a call. They may call you in 5 hours or 5 days. No heads up. If you miss the call you must request another call and on and on it goes If you do happen to be at your phone when they call you, they put you on hold for sometimes hours because someone isnt actually ready. Then if you do get a hold of someone they ask you security questions that have nothing to do with security like did someone refer you to your trading platform. 

Then they say someone will review with no substantial information at all about anything. Then it doesnt get resolved and you have to go back through the call queue. Today I got on the phone with them a second time and they said they have my call information from before but they need to ask all the same exact irrelevant questions again. 

Its as if this whole process is designed to keep your money for as long as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

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 2024-12-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 
COMPANY : Is in violation of 1681i 5B XXXX XXXX XXXX XXXX : XX/XX/XXXX Account Number : XXXX Amount : XXXX, XXXX Fraudulent inquiries : XXXX. XXXX XXXX ( BANK ) XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX ( BANK ) XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-12-27 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: DISCOVER BANK
State: IL

Complaint narrative:
Im writing your agency because these companies are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation. ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of informationIf any information is deleted from aconsumersfilepursuant to subparagraph ( A ), the information may not be reinserted in thefileby theconsumer reporting agency ( ii ) Notice to consumerIf any information that has been deleted from aconsumersfilepursuant to subparagraph ( A ) is reinserted in thefile, theconsumer reporting agencyshall notify theconsumerof the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumerfor that purpose, by any other means available to the agency. 


these negative inaccurate accounts have already been deleted and i would like it to stay that way, i have kids and need good credit. 


XXXX XXXX XXXX XXXXXXXX - Under 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This item was deleted, and you reinserted them without notifying me 5 days after this account is in violation. - Please remove this inaccurate account from my credit report, as it in violation and must be deleted. 




XXXX XXXX XXXX - XXXX - Under 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This item was deleted, and you reinserted them without notifying me 5 days after this account is in violation. - Please remove this inaccurate account from my credit report, as it in violation and must be deleted. 



XXXX XXXX XXXX - XXXX - Under 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This item was deleted, and you reinserted them without notifying me 5 days after this account is in violation. - Please remove this inaccurate account from my credit report, as it in violation and must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Seattle Service Bureau, Inc
State: CA

Complaint narrative:
The National Servie Bureau called and family member and gave them information on my debt when they were not connected to the debt in any way

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I received an American Express prepaid gift card for {$450.00} but have been unable to use it both online and in stores. I registered the card and checked the balance on the AmEx website, confirming that it is activated and loaded correctly. However, transactions keep getting declined when I try to make purchases at retailers like XXXX, XXXX XXXX, and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a text message from what I thought was my bank. It asked if I had approved of a certain transaction in Georgia ( I live in California ). If not, " reply No ''. I replied and it responded with, " someone will be contacting you shortly ''. 

An individual contacted me and included the line, " ... to improve customer service you are on a recorded line... ''. It was a rather long phone call with many pauses, and they seemed to know enough information that I did not question who I was speaking to, because it seemed like such a " typical call from the bank ''. He canceled my account and said I'd have to go into a branch to get a new debit card. He said I would have to XXXX some money to a XXXX supervisor to make sure my new back account will be working. 

In the end, the call lead to me XXXX {$1500.00} to a " XXXX XXXX '' or " XXXX XXXX '' ( I think that was his name. His name is not available on my bank statement as other XXXX transfers are ). He said I would receive a phone call in the next 24 hours to make sure my new account had been restored and I'd receive the transferred money. I never received a phone call. 

The following day, I went into a branch to receive my new debit card and the individual helping me quickly picked up that I had been scammed. We had noticed several additional withdrawals out of my account from XXXX, FL at a restaurant. He reported the incident. Eventually I did get reimbursed for the restaurant withdrawals, however, I received a letter from my bank, XXXX XXXX XXXX XXXX or " XXXX '' ) that I will not be reimbursed for the {$1500.00} because it was an approved transaction on my part.

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 monetary relief
Consumer complaint received 2024-12-27 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: IL

Complaint narrative:
the information reporting on my credit is incorrect and inaccurate, they have not provided me with the validation i requested not once but TWICE ive asked for these accounts to be validated and verified. i have not received any paperwork or contracts signed by me. 

they have Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports. 

please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information is hurting my life and preventing me from getting a auto loan. please help.

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 2024-12-27 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I stopped going to school and they kept sending and depositing money into my account after i asked them to stop because I was taking a break from school.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-27 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: MD

Complaint narrative:
I am writing to dispute the late payment entries on my credit report as per the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), specifically referencing 15 U.S. Code 1666 ( b ) concerning billing errors. 

Upon reviewing my credit report, I discovered discrepancies related to the reporting of late payments, which appear to be in violation of 15 U.S. Code 1666 ( b ) and 15 USC 1637 a ( a ). These errors include the failure of the creditor to accurately reflect payments made by me or credit issued to me within the stipulated time frame. Additionally, there are apparent computation errors or similar accounting errors made by the creditor in the statements provided. 

It is imperative to note that I did not receive a statement from the creditor at least 21 days before the due date as required by law. Therefore, any reported late payments are unfounded and constitute a billing error. 

I hereby demand that the creditor provides substantial evidence from their records that validates the alleged late payments. It is essential for me to be furnished with concrete proof that payments were not received within the agreed-upon time frame, as failure to do so would confirm the presence of a billing error.

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