vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 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: NJ

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-09-19 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: AL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my cThe existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.redit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/XXXX, I booked a Scottish Outlanders Tour w/Cosmos tours thru Chase Travel using my Chase Visa credit card. At the time I booked the trip I was not advised by anyone at CHASE PRIOR TO PAYING ALL TRIP FEES, that I could not travel to XXXX if my passport expired within 6 months. At the time I booked the trip, I wasn't concerned about my passport, because it was valid through XX/XX/XXXX. The travel dates were XXXX. I spoke with multiple people about this trip asking dozens of questions and not a single person advised me to ensure my passport didn't expire w/in the next XXXX  months. On XX/XX/XXXX I received my trip confirmation and the only thing it asked about the passport was the passport number. No where did it mention that the passport had to have an expiration date at least XXXX months out. When I tried to update my passport number on the XXXX website, it wouldn't save. Only at that time did I learn that I would have to renew my passport and that was XXXX weeks prior to travel I immediately filed an expedited passport renewal application. Unfortunately, there was an issue with the XXXX govt receiving my old passport ( lost in the mail ) and the expedited process was halted. A few days before the trip, I learned that I would have to file for a lost passport and I could not go on the trip and would have to cancel. 

I 100 % would NOT have booked this trip prior to having a properly updated passport. 

Here is where I have an issue with Chase - At the time of booking, I specifically asked Chase Travel if I needed to buy international trip insurance and I was told NO by the Chase travel agent. I think his name was XXXX. He told me that ANY TRIP CANCELLATION WOULD BE FULLY COVERED because I was using my CHASE VISA to pay for the trip! He told me I did not have to worry and that I would get a refund if I cancelled the trip. 

The full trip price, including my airline ticket was {$2900.00}. All of this was booked through CHASE TRAVEL in the form of XXXX airline points ( worth {$1400.00} ) plus {$1400.00} on my Chase XXXX card. 

After I cancelled the trip, Chase made me file an XXXX to get the money back. They have now DENIED to reimburse me stating that my claim was unrecoverable because they don't reimburse for trips cancelled due to passport issues ( trip documentation. ). This is exactly the OPPOSITE of what I was told directly by Chase. It makes it feel like this was bait and switch advertising. Chase stole all my credit card points. Is keeping the refund on the trip. XXXX got paid. And yet I am out my only vacation of the year and am STILL waiting for my passport. 

I demand the CFPB to investigate Chase for lying to their customers and I insist upon a full refund of the {$2900.00} lost due to Chase 's lies and ineptitude. They purposely mislead their customer and profited off their own lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 non-monetary relief
Consumer complaint received 2024-09-19 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:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XXXX XXXX I mailed an dispute to Experian certified return receipt and they received it on XX/XX/year> at XXXXXXXX XXXX. in XXXX XXXX XXXXXXXX. Today. XX/XX/year>, I received an email from Experian regarding my dispute, in which they stated they received my information but sent a stall letter claiming they did not believe the dispute was initiated by me. This is despite the fact that I provided them with a recent utility bill and my driver 's license as proof of identity. 

It appears that this may be an attempt by Experian to stall the investigation rather than conduct a thorough review of my dispute. I am concerned about their response and the implications it may have on the resolution of my issue.

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 2024-09-19 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: OR

Complaint narrative:
I've repeatedly tried to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but it remains unaddressed. This unauthorized information, linked to my name due to identity theft, has severely affected my life, causing considerable distress.

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 2024-09-19 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I've repeatedly tried to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but it remains unaddressed. This unauthorized information, linked to my name due to identity theft, has severely affected my life, causing considerable distress.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
( b ) Accuracy of report 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. 

1 a charge off that is being reported should not have a past due balance there was never a 1099 sent for the debt being considered a loss as the debt collector has reported which means the company got paid for this loss, The dates across the credit system are not accurate and they should all be reporting the exact same information across the board. 
Equifax is re [ porting as paid as agreed but has it listed as a charge off XXXX is reporting this debt continously for each month and is against the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: NY

Complaint narrative:
Upon reviewing my consumers report I noticed a few accounts that do not belong to me. I do not know who these companies are reporting and I haven't given my info to anyone. Here are the 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 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 non-monetary relief
Consumer complaint received 2024-09-19 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: NY

Complaint narrative:
Upon reviewing my consumers report I noticed a few accounts that do not belong to me. I do not know who these companies are reporting and I haven't given my info to anyone. Here are the accounts below : XXXX XXXX XXXX XXXX Acct # : XXXX Balance : {$20000.00} Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$460.00} Opened : XX/XX/XXXX XXXXXXXX XXXX- XXXX Balance : {$3600.00} Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$2200.00} Opened : XXXX XXXXXXXX XXXX XXXX- XXXX Balance : {$130.00} Opened 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 2024-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-09-19 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery Associates LLC purchased a collection from the original creditor XXXX XXXX XXXX. This original debt was over XXXX  years and the collection, PRA, LLC still continues to report inaccurate delinquency dates on the credit bureaus and will not remove the negative collection from my credit report. I have tried to contact PRA, LLC several times and they refused to cooperate. At the advice of XXXX, XXXX of the credit bureaus suggested I write to the original creditor, Synchrony bank which I did and they sent me a letter saying that I am correct and this should be deleted or should have already been deleted from credit file. However, PRA, LLC will not comply. I will attach the letter from XXXX XXXX here or below in upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: AL

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2024-09-19 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: AL

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2024-09-19 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: FL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: AL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my cThe existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.redit 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 2024-09-19 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: AL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my cThe existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.redit 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 2024-09-19 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: OH

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is as follows : - Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : Unknown - Date of Charge Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of first delinquency that led to the charge- off ( 15 U.S.C 1681 c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: FL

Complaint narrative:
( b ) Accuracy of report 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. 
XXXX is reporting this information as a charge off XXXX month. 
A balance is being reported and a charge off can not have a balance reporting. 
The amount has been reported as a loss for each breauru. 
XXXX is reporting this as being payed as agreed this information is indeed incorrect

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