vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-08 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: MD

Complaint narrative:
XXXX XXXX In Care Of : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Maryland [ XXXX ] XXXX ( XXXX ) XXXX XX/XX/year> Subject : Formal Complaint Regarding Deceptive Practices Causing Consumer Harm Dear Experian, I am writing to bring to your attention a matter of utmost concern regarding deceptive practices. 
After reviewing my credit report, I noticed that there were inaccurate accounts and information on my consumer report. The consumer reporting agencies never gave me the right to opt out, furthermore they never asked for my permission to furnish this information. Further they have assumed this vital role and have infringed upon my right to privacy by selling my information to a 3rd party debt collector : Pursuant to 15 US Code 1681 ( 4 ) my privacy has been invaded and damage has been done. 
The deceptive practices employed by the credit reporting agencies have inflicted a range of damages, creating a ripple effect across various aspects of my life. The damage that arose to my mental health : Financial losses have been incurred as inaccurate information has affected my ability to obtain credit, leading to higher interest rates and restricted access to financial opportunities. The emotional distress resulting from these inaccuracies is significant, as I the consumer grapple with the consequences of false credit reporting, affecting my ability to secure loans or housing. Moreover, the reputational harm stemming from misleading credit reporting has led to strained relationships and a diminished sense of financial security. These deceptive practices not only undermine the integrity of credit reporting but also inflict tangible and intangible damage to my consumer report. 

I demand an immediate cease and desist and corrective action of any inaccurate credit reporting pertaining to my profile, in accordance with the provisions of the Fair Credit Reporting Act. 
I anticipate your prompt attention to this matter and expect a comprehensive response within 15 business days of the date of this letter. Please address all correspondence related to this complaint to the email address provided above. 
Thank you for your immediate attention to this critical issue. 
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 2024-06-08 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: GA

Complaint narrative:
Experian is known for fraudulently reporting information and lying saying it was verified. I paid an account off on XX/XX/XXXX and they reported as of today the same balance stating the amount was verified. I have docs to show my balance is 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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX Migration of XXXX XXXX XXXX accounts to Chase Bank, on XXXX XXXX XXXX Holiday. 
Called Chase on XX/XX/XXXX told that all bill pay info from XXXX XXXX XXXX  would be transferred over to my new Chase Bank Account by XX/XX/XXXX. 
XX/XX/XXXX went online to review my checking accounts and bill payees, found that only partial account numbers had been transferred, and that all bill pay accounts were missing mailing addresses. 
XX/XX/XXXX Updated Bill Pay information on Chase platform. Initiated bill pay for XXXX payments. 
XX/XX/XXXX Bill Pay Fraud Department rejected my bill pay request. I called on XXXX separate occasions attempting to try and resolve issue with the Fraud Department, and was put on hold every time I called for over 20 minutes and eventually was disconnected by Chase. 
XX/XX/XXXX visited XXXX XXXX and met with XXXX XXXX who I expressed my disappointment with the poor service I had been receiving from Chase Banking phone Bill Pay Department. XXXX helped me in canceling one of my checking accounts # XXXX and transferring the funds to my existing # XXXX. She mentioned that she would make contact with the management team in charge of bill pay and see about getting these Fraud rejections resolved. 
XX/XX/XXXX received call back from XXXX who let know she had spoken with the Management Team for Bill Pay and that I was told to resubmit my previous Bill Pays once again. No kind of explanation was given for the delay. 

Summary in Conclusion XXXX did the best with the tools that she had been allowed to use by Chase Bank Management guidelines. She should have had the ability to correct the current bill rejections status and move the pending bills for payment processing while I was still at the XXXX Branch Office. This would have avoided the nuisance of having to resubmit my bills for payment once again. This kind of treatment left me feeling as though I am not that important to Chase Banking. In the years with XXXX XXXX XXXX I had never received such poor treatment or made to feel like I wasnt that important. Keep in mind that my relationship with Chase Bank has just started and it does not look promising or feel inviting! 
By outsourcing your bill payment department you are losing control of how they treat and value customers. You pay for what you are getting in return. Chase Bank has done a poor job in planning out this bank migration from XXXXXXXX XXXX XXXX to Chase Bank. Senior management for Chase Bank has dropped the ball and continues to mis-guide its employees. Rewarding a senior manager for outsourcing the Fraud Department yet ignoring customer satisfaction with the Fraud Department outcomes. The results speak for themselves, Junk In Junk Out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: TX

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 USC 1681. The following accounts are not accurate : XXXX XXXX {$8000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$2500.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$420.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX 15 U.S.C, 1681section 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 an 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 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 non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX is known for fraudulently reporting information and lying saying it was verified. I paid an account off on XX/XX/XXXX and they reported as of today the same balance stating the amount was verified. I have docs to show my balance is 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 2024-06-08 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: TX

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 USC 1681. The following accounts are not accurate : XXXX XXXX {$8000.00} XX/XX/XXXX XXXX XXXXXXXX {$2500.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX {$420.00} XX/XX/XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: TX

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 USC 1681. The following accounts are not accurate : XXXX XXXX {$8000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$2500.00} XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$420.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX 15 U.S.C, 1681section 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 an 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 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 2024-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I closed the account on XX/XX/year> because I had been having problems with Bank of America ( I had made a complaint earlier about them and the response I got was very insignificant and not a solution to the problem ) .As I closed this account, I got an email confirmation that the account was successfully closed and to my understanding, this had ended whatever it was with this bank.Ever since I closed this account, I have been getting emails from this bank about some claims that they had left fallow for months and done nothing about.And to add insult upon injury, they had been tampering with the account before I immediately had to close this using the claims as an excuse to be withdrawing money from the account.I do not have anything to do with Bank of America anymore and any attempt by this bank to contact me in any form about anything about a closed account is going to bring about the wrath of so many consumer protection organizations and we would see the end of this.I would not be constantly be threatened and harassed by a fraudulent bank which put me through unnecessary stress and were very nonchalant about rectifying any issues they had caused me.

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 2024-06-08 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/year> I mailed in a request to all 3 credit reporting agencies ( XXXX, TransUnion and XXXX ) for a copy of my consumer report, consumer credit score, and an Opt-Out. I received a report from TransUnion and XXXX, and a score from XXXX, but have not received any report from XXXX or any of the other items I had asked for. 
On XX/XX/year> I mailed a dispute to all 3 credit reporting agencies regarding items on my report that I did not recognize and wanted more information on. 
I did not receive a response to this request. 
On XX/XX/year> I mailed another dispute to all 3 credit reporting agencies again requesting an investigation into items on my report that I did not recognize and again did not receive any response whatsoever.

I am not sure what the credit reporting agencies are doing, but they are definitely not responding to any of my concerns. And I think I read somewhere that the credit reporting agencies are supposed to respond to a dispute in 30 days or something like that but I haven't received a response to some of my concerns for almost 4 months.

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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/year> I mailed in a request to all 3 credit reporting agencies ( XXXX, XXXX and Equifax ) for a copy of my consumer report, consumer credit score, and an Opt-Out. I received a report from XXXX and XXXX, and a score from XXXX, but have not received any report from Equifax or any of the other items I had asked for. 
On XX/XX/year> I mailed a dispute to all 3 credit reporting agencies regarding items on my report that I did not recognize and wanted more information on. 
I did not receive a response to this request. 
On XX/XX/year> I mailed another dispute to all 3 credit reporting agencies again requesting an investigation into items on my report that I did not recognize and again did not receive any response whatsoever.

I am not sure what the credit reporting agencies are doing, but they are definitely not responding to any of my concerns. And I think I read somewhere that the credit reporting agencies are supposed to respond to a dispute in 30 days or something like that but I haven't received a response to some of my concerns for almost 4 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: VA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : CLOSED ACCOUNTS BELOW 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 THESE ARE NOT MY ACCOUNTS AND I HAVE NO KNOWLEDGE OF AND THEY HAVE VIOLATED my RIGHTS. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-06-08 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: FL

Complaint narrative:
In accordance with the FAIR Credit Reporting Act, XXXX XXXX XXXX XXXX account ending in # XXXX and account ending in # XXXX has violated my consumer rights. 
15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2, Accordingly States a consumer reporting agency can not furnish data without my written permission.

15 USC 1666B States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2024-06-08 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:
In accordance with the FAIR Credit Reporting Act, XXXX XXXX XXXX XXXX account ending in # XXXX and account ending in # XXXX has violated my consumer rights.

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2, Accordingly States a consumer reporting agency can not furnish data without my written permission.

15 USC 1666B States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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