vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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:
I am filing this complaint to dispute the reporting of late payments on my credit report by XXXX XXXX XXXX. 

Account Details : Account Name : XXXX XXXX XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXX The credit report indicates a 30-day late payment in XX/XX/XXXX and a 60-day late payment in XX/XX/XXXX. I previously disputed this with XXXX on XXXX, but they upheld the late payment reporting as accurate. However, I disagree with their findings. 

Under the CARES Act, passed on XX/XX/XXXX, and extended through XX/XX/XXXX, creditors were required to report accounts as current if payment accommodations were made due to the COVID-19 pandemic. During this period, I faced financial challenges caused by the pandemic and made efforts to communicate and seek accommodations. Therefore, the reported late payments are inconsistent with the protections provided by the CARES Act. 

This inaccurate reporting has negatively impacted my credit score and financial standing. I request that the Consumer Financial Protection Bureau investigate this issue, ensure compliance with the CARES Act and the Fair Credit Reporting Act ( FCRA ), and direct the credit bureau to remove or correct the late payment information. 

I am also attaching supporting documentation to substantiate my claim, including the payment history for the account and information on the CARES Act 's expiration date. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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:
I am filing this complaint to dispute the reporting of late payments on my credit report by XXXX XXXX XXXX. 

Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX The credit report indicates a 30-day late payment in XX/XX/XXXX and a 60-day late payment in XX/XX/XXXX. I previously disputed this with XXXX on XXXX, but they upheld the late payment reporting as accurate. However, I disagree with their findings. 

Under the CARES Act, passed on XX/XX/XXXX, and extended through XX/XX/XXXX, creditors were required to report accounts as current if payment accommodations were made due to the COVID-19 pandemic. During this period, I faced financial challenges caused by the pandemic and made efforts to communicate and seek accommodations. Therefore, the reported late payments are inconsistent with the protections provided by the CARES Act. 

This inaccurate reporting has negatively impacted my credit score and financial standing. I request that the Consumer Financial Protection Bureau investigate this issue, ensure compliance with the CARES Act and the Fair Credit Reporting Act ( FCRA ), and direct the credit bureau to remove or correct the late payment information. 

I am also attaching supporting documentation to substantiate my claim, including the payment history for the account and information on the CARES Act 's expiration date. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: TN

Complaint narrative:
After viewing my report, I observed unauthorized inquiries from various creditors. I am worried that these may be associated with identity theft or fraudulent actions. I respectfully ask that you look into these inquiries and eliminate them from my credit report if they can not be confirmed as authorized. I have included my correspondence with the Bureaus, yet these inquiries continue to appear on my current report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: TN

Complaint narrative:
After viewing my report, I observed unauthorized inquiries from various creditors. I am worried that these may be associated with identity theft or fraudulent actions. I respectfully ask that you look into these inquiries and eliminate them from my credit report if they can not be confirmed as authorized. I have included my correspondence with the Bureaus, yet these inquiries continue to appear on my current 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 2024-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Subject : Formal request for the return of funds due to a transfer error Dear Sir/Madam, I am writing to you as the account holder of XXXX XXXX  Account Number XXXX, Routing Number XXXX, from which I initiated a wire transfer to an account at your bank, JPMorgan Chase Bank , on XX/XX/year>. The transferred amount was {$16000.00} USD, and the beneficiary details initially provided were as follows : Beneficiary Name : XXXX XXXX Erroneous Account Number : XXXX Routing Number : XXXX Beneficiary Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
It has been identified that the account number provided contained an error. The funds were mistakenly transferred to account XXXX, which does not belong to the intended beneficiary. The correct account number for the beneficiary is XXXX, with the same routing number XXXX. Due to this discrepancy in XXXX digits of the account number, the funds did not reach the intended recipient. 

I formally request your immediate action to : Verify the destination error in the transaction. 
Recover the funds transferred to the incorrect account. 
Transfer the funds to the correct beneficiary account. 
As per the applicable legal provisions : Electronic Fund Transfer Act ( Regulation E, 15 USC 1693f ) : Mandates financial institutions to investigate and resolve electronic transfer errors promptly and diligently.

Uniform Commercial Code ( UCC ) Article 4A-207 : Specifies that in cases of discrepancies between the beneficiary 's name and account number, the receiving bank must make reasonable efforts to identify and resolve the issue.

Bank Secrecy Act ( BSA, 31 USC 5318 ) : Requires the implementation of procedures to prevent errors and ensure the traceability of funds within the financial system.

Enclosed with this letter, you will find the following supporting documentation : A copy of the wire transfer receipt showing the erroneous account number.

The correct beneficiary account information ( as shown in the provided image ).

My official identification for verification purposes.

Any additional relevant documentation.

I request a written response detailing the actions taken and the estimated timeline for resolving this issue within no more than 10 business days. Should I not receive a satisfactory resolution, I reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities to protect my rights as a financial consumer.

I trust this matter will be handled with due diligence and professionalism. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The derogatory rating on my account has directly caused loan denials and increased interest rates on my existing credit accounts. This inaccurate rating must be deleted and blocked from reporting to all three consumer reporting agencies immediately, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
** [ XXXX XXXX XXXX ] ** [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Formal Verification of Trade Line - XXXX XXXX Dear TransUnion Consumer Solutions , I am writing to formally request a comprehensive verification of the trade line associated with XXXX XXXX that appears on my credit report. Due to concerns over potential inaccuracies and fraudulent associations, it is essential to verify this information. 

**Details of Disputed Trade Line : ** - Creditor : XXXX XXXX **Requested Documentation : ** 1. **Furnishment of Contractual Agreement : ** - Please provide any and all contract documents that include my wet signature which legally establish a relationship and/or loan/debt with XXXX XXXX. 

2. **Record of Communication : ** - Supply copies of any notifications or correspondence exchanged between myself and XXXX XXXX regarding this account.

3. **Verification of Address : ** - I request verification and documentation of any address associated with this account. It is crucial to investigate an address that seems to have been fraudulently linked to my name. Please provide evidence of this association and any updates submitted. 

**Statement of Dispute : ** I believe the above-mentioned trade line contains inaccuracies or fraudulent elements for the reasons outlined. According to the Fair Credit Reporting Act ( FCRA ), if you can not furnish the necessary documentation to prove actual ownership and validity of this trade line, I expect its immediate removal from my credit report. The law clearly stipulates that unverifiable information must be deleted promptly to ensure the accuracy and integrity of my credit file. 

As per the FCRA, I anticipate a written response with the requested documentation, or confirmation that the disputed information has been corrected or removed, within 30 days of receipt of this letter. 

Please send all correspondence and documentation concerning this matter to the address provided above. 

I appreciate your immediate attention to this request and look forward to a swift resolution. 

Sincerely, [ 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 2024-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and 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 2024-11-29 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
I prepay all of my bills in full whenever possible, without consideration for but always weeks before, and usually almost immediately- but never late. I don't send payments without having the funds, as I don't make purchases without knowing when I will pay for them in full. I made two payments on this credit card through the app as I do with this and all of my other cards. I checked and make sure on the card and saw that there had been returns. I checked my bank account to see if I had been hacked, and all of the money was still there. My bank returned the two payments because the credit card app submitted a wrong account number. I have been paying these bills for months and always on the app, and I have never changed the account number as I have had this account for 46 years. There was clearly a glitch in the app. I called XXXXXXXX XXXX where my account was and I merge them with Prosper the card company, and it was confirmed that I had the money in the account. The Prosper person understood that it was ridiculous that I was going to the app and change my account number. They put the transaction through again while we're on the phone, it went through without issue, without me doing anything to the account number in the app. Prosper has now reduced my dramatically reduced my credit limit, and is saying I need to pay a higher fee for this card effective next month. They're taking these actions as though my account was in arrears or that this was caused by me. I can't dump the card because I don't want to impact my credit, although they have already impacted it by reducing the limit. This is grossly unfair! The rep for prosper acknowledge they can see how I pay the bill early all the time. It says though I'm being punished for trying to keep my bill at XXXX dollars.

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 2024-11-29 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 reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine. 
If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent and inquiries. 
I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Proof of Debt Assignment, Notice of Assignment, any information other than the basics to prove the validity of this claim. Proof that they notified me with in the legal time limits of receiving the debt and or choosing options for deleting the alleged debt. This action is deliberately done to park debt on my credit report. Which is a violation of consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: NM

Complaint narrative:
I am formally disputing inaccuracies on my credit report concerning the account with XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) requires that the information reported by credit bureaus be accurate, complete, and verifiable. However, the reporting of this account violates these requirements for the following reasons : 1. Inconsistent Reporting Across Credit Bureaus : The comments section for the same account differs : TransUnion : Dispute resolved; customer disagrees. 
XXXX : Subscriber reports dispute resolved - consumer disagrees. 
XXXX : Consumer disputes after resolution. 
Inconsistent comments can misrepresent the account status to potential creditors.

2. Dispute Not Properly Updated or Resolved : Despite the account being closed, paid off, and having a {$0.00} balance, dispute comments remain on the report. These comments are misleading, suggesting unresolved issues.

3. Reporting of Late Payments on a Closed Account : The report shows 30-day late payments in the payment history, even after the account is listed as paid and closed with a {$0.00} balance. This creates inaccuracies.

4. Failure to Verify Disputed Information : If disputes were resolved and the information remains inaccurate, the creditor and credit bureaus may not have fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Accuracy : Credit bureaus are required to follow reasonable procedures to ensure the maximum possible accuracy of the information. The discrepancies across bureaus indicate a failure to comply.

2. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputes : If the information has been disputed and remains inaccurate, the credit bureaus may have failed to conduct a proper investigation.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Furnishing Inaccurate Information : Creditors are prohibited from reporting inaccurate information to credit bureaus, especially after receiving notice of a dispute.

4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting Obsolete Information : Negative marks like late payments should not be reported inaccurately on a closed, zero-balance 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 non-monetary relief
Consumer complaint received 2024-11-29 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: NM

Complaint narrative:
I am formally disputing inaccuracies on my credit report concerning the account with XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) requires that the information reported by credit bureaus be accurate, complete, and verifiable. However, the reporting of this account violates these requirements for the following reasons : XXXX. Inconsistent Reporting Across Credit Bureaus : The comments section for the same account differs : XXXX : Dispute resolved; customer disagrees. 
Experian : Subscriber reports dispute resolved - consumer disagrees. 
XXXX : Consumer disputes after resolution. 
Inconsistent comments can misrepresent the account status to potential creditors.

2. Dispute Not Properly Updated or Resolved : Despite the account being closed, paid off, and having a {$0.00} balance, dispute comments remain on the report. These comments are misleading, suggesting unresolved issues.

3. Reporting of Late Payments on a Closed Account : The report shows 30-day late payments in the payment history, even after the account is listed as paid and closed with a {$0.00} balance. This creates inaccuracies.

4. Failure to Verify Disputed Information : If disputes were resolved and the information remains inaccurate, the creditor and credit bureaus may not have fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Accuracy : Credit bureaus are required to follow reasonable procedures to ensure the maximum possible accuracy of the information. The discrepancies across bureaus indicate a failure to comply.

2. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputes : If the information has been disputed and remains inaccurate, the credit bureaus may have failed to conduct a proper investigation.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Furnishing Inaccurate Information : Creditors are prohibited from reporting inaccurate information to credit bureaus, especially after receiving notice of a dispute.

4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting Obsolete Information : Negative marks like late payments should not be reported inaccurately on a closed, zero-balance 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 2024-11-29 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: FL

Complaint narrative:
These agencies have shown a pattern of negligence and willful noncompliance by allowing these unauthorized items to persist. This behavior is reckless, harmful, and a clear violation of your obligations under federal law.

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