vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I've found erroneous information on my credit report, which falls under the jurisdiction of 15 USC 16c-2. This inaccurate information is harming my credit score. I did not authorize the inquiries listed.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern The following Inquery showing on my credit are not mine.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 604 A it also states that a consumer reporting agency can not furnish a account without my written instructions.

Delete these accounts

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 604 A it also states that a consumer reporting agency can not furnish a account without my written instructions.

Delete these accounts

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 2024-09-30 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: MA

Complaint narrative:
Im reaching out because I noticed an error on my credit report related to a late payment on my account with XXXX XXXX XXXX XXXX XXXX XXXX, and the late payment showed was on XX/XX/2023 for each bureaus. Ive always made my payments on time, and I was surprised to see this late payment listed. This seems like a mistake, as Ive never missed a payment. According to the Fair Credit Reporting Act, the information on my credit report needs to be accurate, and this late payment simply isnt. Please provide documentation that supports the reported late payments, along with any records showing my authorization for these reports. If this documentation can not be provided, I expect the records to be corrected to reflect my accurate, on-time payment history.

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 2024-09-30 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: MA

Complaint narrative:
Im reaching out because I noticed an error on my credit report related to a late payment on my account with XXXX XXXX XXXX XXXX XXXX XXXX, and the late payment showed was on XX/XX/year> for each bureaus. Ive always made my payments on time, and I was surprised to see this late payment listed. This seems like a mistake, as Ive never missed a payment. According to the Fair Credit Reporting Act, the information on my credit report needs to be accurate, and this late payment simply isnt. Please provide documentation that supports the reported late payments, along with any records showing my authorization for these reports. If this documentation can not be provided, I expect the records to be corrected to reflect my accurate, on-time payment history.

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 2024-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year> I initiated a {$730000.00} wire transfer to a XXXX brokerage account for investing. It was made with a teller inside a Chase bank branch. I provided all the information requested. 

Within an hour the funds were withdrawn from my Chase private client account, but not deposited into XXXX. I contacted XXXX and informed the funds were held at their interim financial institution - XXXX - pending receipt of a for the credit of client account number. I was directed to contact Chase to forward that information to them asap for the transaction to be finalized. I then called Chase and remained on hold with their Wire Transfer division until receiving confirmation the XXXX message request was complete and sent to XXXX. 

On XX/XX/year> the funds were still not in either XXXX or Chase. Chase contacted XXXX, who advised them the refund wire was sent that day. Chase said to allow 24hrs for deposit into my account. ( I still dont understand why the wire transfer did not complete as directed into XXXX ). 

On XX/XX/year> the funds still remain unaccounted for. I called Chase again, and this time I was told to allow XXXX 3-5 business days for wire transfers to complete. Thats unacceptable so I filed a CFPB complaint. 

On XX/XX/year>, XXXX responded to the Complaint that they wired Chase the money XX/XX/year>. Chase advised me that was untrue and they had only just received the funds XX/XX/year>. 

I went into a local Chase branch where it was confirmed they did in fact receive the {$730000.00} on XX/XX/year>. One of the banks, or both of them, is not being truthful or transparent. 

TODAY, XX/XX/scrub>XXXX MY {$730000.00} REMAINS UNACCOUNTED FOR!!! 
This money was for an investment. I have lost 10 days of interest and compounded interest while massive financial institutions earn money off on their clients backs. Is it not illegal to hold peoples money? Wires are instant. Theyre electronic. The money goes out of your account the minute you pay for something it does not take 10 days to return my money. Please, CFPB, Dont just accept an answer like XXXX gave you that says we transferred the money- have some oversight - make somebody accountable here. That money is award money from my mothers accident and meant to last a lifetime - but if banks are permitted to continue legally stealing like this from everyday people? My sons and I will have nothing very quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am seeking your assistance with this misleading account listed on my credit report. I am bringing this to your attention because it has harmed my reputation, and I need your help. Due to your mishandling of my credit report, my reputation has suffered significantly, and I feel desperate. Please ensure that this incorrect information is removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am seeking your assistance with this misleading account listed on my credit report. I am bringing this to your attention because it has harmed my reputation, and I need your help. Due to your mishandling of my credit report, my reputation has suffered significantly, and I feel desperate. Please ensure that this incorrect information is removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year> Radius Global Solutions XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Subject : Debt Validation Request Dear Radius Global Solutions I have received correspondence regarding a debt collection and need to verify that you have contacted the correct individual. I am writing to request validation of the debt you have reported to me in your recent communication and am requesting that you provide documentation supporting this. 
As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt. 
Please provide me with the following information regarding this debt : XXXX. A detailed contract showing the amount owed exists along with verification of the debt amount you are attempting to collect. 
XXXX. The name and address of the original creditor to whom the debt was originally owed and the current creditor. 
XXXX. Documentation showing that you are authorized to collect this debt, such as a copy of the original contract or agreement. Include documentation showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
Documentation showing the assignments of the debt from the original creditor to XXXX. 
tor. 
the secured trust and then back to the original creditor Please provide this information within 30 days from the date of this letter. During this period, I request that you cease and desist all collection activities until you have provided the requested validation. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. 
Please note that this request does not acknowledge that I owe the debt. If you are unable to provide validation, please remove this entry from my credit report and cease all further collection efforts. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 

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 2024-09-30 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against American Express ( AMEX ) for their predatory lending practices, which have caused me severe financial, physical, and mental harm. 

AMEX extended far more credit to me than I could realistically afford to repay, pushing me into significant debt that I was never in a position to manage. This situation has not only impacted me financially, but it has also taken a profound toll on my mental and physical well-being. 

I am a XXXX individual, diagnosed with XXXX, and my only source of income is Social Security XXXX XXXX, XXXX. 

Despite these clear financial limitations, AMEX irresponsibly lent me credit well beyond my means. They set me up for failure by enabling me to spend more than I could ever afford. Their actions were not only reckless but outright predatory, particularly because they targeted someone as financially vulnerable as myself. 

The stress of being overextended and unable to repay this debt has wreaked havoc on my health. My XXXX  and XXXX have worsened significantly, making it difficult for me to sleep or function on a day-to-day basis. The pressure from AMEXs lending decisions has deeply affected my mental state, leaving me constantly fearful and overwhelmed. Physically, the unrelenting stress has only exacerbated my existing health issues. 

AMEX set me up to fail, and when I inevitably couldnt meet their unreasonable expectations, they pursued a judgment, knowing full well that I am judgment-proof. This XXXX XXXX  bank orchestrated my financial ruin, assisted in pushing me deeper into debt, and then went in for the kill by obtaining a judgment. It is absolutely disgusting and predatory. 

What makes this situation even more infuriating is that AMEX, with full knowledge of my XXXX and my sole reliance on Social Security, continued to lend recklessly, leading to this inevitable financial disaster. Now, with this judgment against me, AMEX has nothing to collect, and yet the entire process has caused irreparable damage to my health and well-being. Their lending practices are irresponsible at best and predatory at worst. 

I implore the CFPB to investigate AMEXs lending practices, especially when it comes to vulnerable individuals like myself, who live on fixed incomes and are dealing with XXXX. Their predatory lending has not only destroyed me financially but has had devastating effects on my physical and mental health. I am seeking a resolution that holds AMEX accountable for their predatory actions and prevents others from experiencing the same treatment. 

Thank you for your time and attention to this serious matter. I trust that your investigation will reveal AMEXs unethical behavior and bring about the necessary accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute accounts that have been reported by your agency on my credit report. ( The accounts referenced are attached ). The accounts referenced was opened or charged fraudulently as a result of identity theft, and I request that it be permanently removed from my credit report. Please note that I have never opened or authorized these accounts. I discovered this fraudulent activity while reviewing my credit report, and I immediately filed an identity theft report ( The affidavit is attached ). In accordance with the fair credit reporting act ( FCRA ) and the fair debt collection practices act ( FDCPA ), I am requesting the removal of these accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute accounts that have been reported by your agency on my credit report. ( The accounts referenced are attached ). The accounts referenced was opened or charged fraudulently as a result of identity theft, and I request that it be permanently removed from my credit report. Please note that I have never opened or authorized these accounts. I discovered this fraudulent activity while reviewing my credit report, and I immediately filed an identity theft report ( The affidavit is attached ). In accordance with the fair credit reporting act ( FCRA ) and the fair debt collection practices act ( FDCPA ), I am requesting the removal of these accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union 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 wrong reporting of my name, unauthorized addresses and inquiries located below ; PERSONAL INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The consumer credit report maintained by you was not opened, made, or initiated by me. From the inaccurate spelling of my name to the wrong addresses, 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 inaccurate spelling, wrong addresses, 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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PR

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 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 explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have already called this credit card company called American Express. Explain to them. Im seeing seven fraudulent transaction on my account without my permission now they have not reached out back to me.

Company response to consumer: Closed with explanation