vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear XXXX, I am writing to formally dispute the reporting of a charge-off on my credit report for an account listed with JPMCB CARD. This account has been reported as charged off with {$13000.00} written off, as reflected on my credit report. JPMCB ( contact information : XXXX, DE XXXX, phone : ( XXXX ) XXXX ) has reported this charge-off despite significant irregularities in their handling of my account. 

First, JPMCB closed my account abruptly and without notice in XX/XX/XXXX. This closure came as a complete surprise, as I had consistently maintained my account in good standing. A review of my payment history will show that I had no missed payments, and I had always paid my account responsibly. Despite this, JPMCB randomly decided to close my account without providing me any reasoning or documentation to explain their decision. 

Second, JPMCB has reported this account as a charge-off and appears to have claimed it as a write-off for their tax purposes, yet they have failed to issue me a Form 1099-C as required under 26 U.S.C. 6050P of the Internal Revenue Code. Creditors are obligated to issue a Form 1099-C when debts of {$600.00} or more are canceled, but JPMCB has not done so in this case. Additionally, in In re Reed, 492 B.R. 261 ( Bankr. E.D. Tenn. 2013 ), the court noted that the issuance of a Form 1099-C serves as evidence of a creditors intent to cancel a debt. The absence of this form raises questions about whether this debt was truly canceled or if the reporting is inaccurate.

This inconsistent reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which mandates that all information furnished to credit bureaus be accurate, complete, and verifiable. Without a Form 1099-C or proper explanation of the account closure and subsequent charge-off, the reporting from JPMCB can not be considered accurate or verifiable.

I respectfully request that you investigate this matter and take the following actions : 1. Verify whether JPMCB has issued a Form 1099-C in connection with this charge-off.

2. Investigate the account closure and confirm the accuracy of the charge-off reporting, given my history of timely payments.

3. If JPMCB has not issued a Form 1099-C or can not provide documentation justifying the account closure when payments were in good standing and no missed payments were on the account and charge-off, remove the charge-off notation from my credit report as it lacks proper verification and compliance with applicable laws. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX Inquiries : XXXXXXXX XXXX XXXXXXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: CA

Complaint narrative:
I am a victim of the massive Equifax data breach that exposed sensitive personal information entrusted to Equifax, and as a direct consequence of this breach, I have discovered fraudulent accounts established in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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:
It has come to my attention that my personal information has been exposed in a national data breach. When reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. 
Due to my personal information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached : a copy of my ID, the FTC complaint, a copy of the XXXX  Breach report showing my information being exposed in a national breach

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX I have tried requesting a copy of my credit report over the phone and in writing, I have also tried getting a copy of my credit report from XXXX XXXX XXXX and Transunion, XXXX, and XXXX are refusing to allow me access to my credit report. I am requesting that they send me a copy of my credit report so that I can check the status of any accounts that are on there as there me be fraudulent accounts on my credit report. As a US citizen I am allowed a copy of my credit report, and I am also a allowed a free copy every 30 days

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NC

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the late payments reported on my credit account referenced above. The payment history reflects 30-day and 60-day late payments as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and other dates. I believe these entries are inaccurate and incomplete under the Fair Credit Reporting Act ( FCRA ). 

I am requesting the following : XXXX. Validation of the Late Payments : Please provide documentation verifying the accuracy of the late payment reporting, including specific dates of payments and account statements. 
XXXX. Correction or Removal : If you can not fully verify the accuracy of this information, I kindly request that you remove these late payment notations from my credit reports. 

As you know, under the FCRA, inaccurate, incomplete, or unverifiable information must be corrected or deleted from my credit file within 30 days. Failure to comply with this legal requirement may result in further action. 

Please provide a written response within 30 days confirming the removal or validation of these late

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.

Complaint narrative:
I am a XXXX XXXX and went on a trip to the XXXX in XX/XX/year>. There I opened a PNC bank account. On XX/XX/year> I was in XXXX visiting a friend where somebody took XXXX dollars out of my bank account through cash withdrawals. I was unaware of the transactions and the ATM card was with me throughout the time period during which the withdrawal was made. I blocked my card and reported PNC. They told me to file a claim which was later rejected. By that time I had already left the US for my home country.I was told that it was a chip on chip transaction and nothing can be done. I refiled the claim and asked to be sent any kind of evidence as in any security camera footage or something as a proof. They denied the request and told me that the claim department is not required to give a proof and are not customer facing so can't be reached. It's bank policy and if I don't agree I could file a police complaint which is obviously not feasible considering I am not in the US now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: TX

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. When reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my personal information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national breach

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 2024-12-15 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: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2024-12-16 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: DE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company 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 2024-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
{$200.00} withdrawn on XXXX, to date not deposited into my account. Robinhood

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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:
It has come to my attention that my personal information has been exposed in a national data breach. When reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my personal information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: NC

Complaint narrative:
I am disputing inaccurate information reported on my credit report by XXXX, which has now been sold to XXXX XXXX XXXX. The account Account XXXX shows a charge-off with a {$0.00} balance as of XX/XX/year>. I believe this reporting is inaccurate and incomplete for the following reasons : XXXX. XXXX XXXX XXXX : The balance was charged off, but the reporting continues to damage my credit profile without validation of the debt. I am requesting full documentation verifying the accuracy of this debt. 
XXXX. Sale to XXXX XXXX XXXX : Since the account was sold to XXXX XXXX XXXX, XXXX no longer owns the debt and can not legally report it. However, the charge-off is still listed as active on my credit report. 
XXXX. Violation of the FCRA : Under the Fair Credit Reporting Act ( FCRA ), creditors are required to ensure accuracy, completeness, and proper verification of any information reported to credit bureaus. Failure to do so constitutes a violation of my rights. 
I am requesting that the CFPB investigate this matter and that the inaccurate charge-off tradeline from XXXX be removed immediately from my credit report. This error has caused damage to my credit score and financial reputation. 


XXXX. Upload Supporting Documentation : Attach : XXXX ( XXXX ) of the account details and payment history. 
Any letters or responses from XXXX XXXX XXXX acknowledging ownership of the debt. 
XXXX. Submit the Complaint and Track It : Once submitted, you will receive a complaint ID and updates as the CFPB investigates.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am disputing inaccurate information reported on my credit report by XXXX, which has now been sold to XXXX XXXX XXXX. The account Account XXXX shows a charge-off with a {$0.00} balance as of XX/XX/year>. I believe this reporting is inaccurate and incomplete for the following reasons : XXXX. XXXX XXXX XXXX : The balance was charged off, but the reporting continues to damage my credit profile without validation of the debt. I am requesting full documentation verifying the accuracy of this debt. 
XXXX. Sale to XXXX XXXX XXXX : Since the account was sold to XXXX XXXX XXXX, XXXX no longer owns the debt and can not legally report it. However, the charge-off is still listed as active on my credit report. 
XXXX. Violation of the FCRA : Under the Fair Credit Reporting Act ( FCRA ), creditors are required to ensure accuracy, completeness, and proper verification of any information reported to credit bureaus. Failure to do so constitutes a violation of my rights. 
I am requesting that the CFPB investigate this matter and that the inaccurate charge-off tradeline from XXXX be removed immediately from my credit report. This error has caused damage to my credit score and financial reputation. 


XXXX. Upload Supporting Documentation : Attach : XXXX ( XXXX ) of the account details and payment history. 
Any letters or responses from XXXX XXXX XXXX acknowledging ownership of the debt. 
XXXX. Submit the Complaint and Track It : Once submitted, you will receive a complaint ID and updates as the CFPB investigates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am disputing inaccurate information reported on my credit report by XXXX, which has now been sold to XXXX XXXX XXXX. The account Account XXXX shows a charge-off with a {$0.00} balance as of XX/XX/year>. I believe this reporting is inaccurate and incomplete for the following reasons : XXXX. XXXX XXXX XXXX : The balance was charged off, but the reporting continues to damage my credit profile without validation of the debt. I am requesting full documentation verifying the accuracy of this debt. 
XXXX. Sale to XXXX XXXX XXXX : Since the account was sold to XXXX XXXX XXXX, XXXX no longer owns the debt and can not legally report it. However, the charge-off is still listed as active on my credit report. 
XXXX. Violation of the FCRA : Under the Fair Credit Reporting Act ( FCRA ), creditors are required to ensure accuracy, completeness, and proper verification of any information reported to credit bureaus. Failure to do so constitutes a violation of my rights. 
I am requesting that the CFPB investigate this matter and that the inaccurate charge-off tradeline from XXXX be removed immediately from my credit report. This error has caused damage to my credit score and financial reputation. 


XXXX. Upload Supporting Documentation : Attach : XXXX ( XXXX ) of the account details and payment history. 
Any letters or responses from XXXX XXXX XXXX acknowledging ownership of the debt. 
XXXX. Submit the Complaint and Track It : Once submitted, you will receive a complaint ID and updates as the CFPB investigates.

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