vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-02 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX XXXX XXXX XXXXXXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2024-12-02 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX XXXX Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness. 

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms The specific account ( XXXX ) in question are as follows : XXXX XXXX XXXX XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, 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 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been a XXXX XXXX since XXXX  and I am in good standing. I also have been a Chase customer for well over 10 years. I have chase credit cards, a checking account holding my tenants ' security deposit and I have a few business accounts open with chase. I am not a criminal and nor am I under investigation for anything whatsoever. Nevertheless, without any basis, as confirmed by the branch manager who I just met with, Chase has arbitrarily decided to close all of my personal checking accounts and credit cards. I have been told that all of my personal accounts will be closed by XX/XX/XXXX, but there is absolutely no reason for it. This is incredibly disruptive as I have many things tied to my chase account like my tenants ' security deposit, mortgage accounts, various memberships, subscriptions. Someone has falsely flagged my account and Chase should be held accountable for causing so much damages without any basis. If not reactivated, I will consider a lawsuit against Chase as this is clearly done in bad faith. The letter I got said, " after careful examination. '' What examination? None took place at all, because if it had, I would not have to be filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I am writing to file a complaint regarding a collection from Transworld Systems that I do not recognize and have not since I first discovered it. I am a victim of identity theft and am concerned that this collection may be the result of fraudulent activity. 

Specifically, I request verification of the contract that I purportedly have with Transworld Systems. If such a contract does not exist, I insist that this collection be removed immediately, as it is a violation of my consumer rights to privacy. 

This issue has caused undue stress and confusion, and I am seeking assistance to resolve it promptly. According to 18 U.S. Code 1028A ( Aggravated Identity Theft ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair reporting of my credit information. Additionally, Pennsylvania state laws, including the proposed Pennsylvania Consumer Data Privacy Act ( PCDPA ), protect my rights to privacy and fair reporting. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: IN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-02 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-02 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
On XX/XX/XXXX I made a purchase with my Goldman Sachs Apple Card at XXXX XXXX ( online ) for {$250.00}. The company said the item was shipped and did provide tracking but the item never arrived. The company XXXX XXXX said they dont issue refunds at all and said if we wanted another we would have to wait the 30 days for another one which didnt work out for us. We contacted Goldman Sachs and filed a dispute and it came back in favor of the merchant. We filed another dispute stating we never got the item and it came back in merchants favor again even though we have stated we never got the item. Goldman Sachs just keeps telling us to dispute the transaction again but no matter what we do it goes in merchants favor. We have disputed this 3 times and have to dispute it again for the 4th time with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: OH

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and identity theft, which has resulted in unauthorized accounts being opened in my name. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts from my credit file : Unauthorized Accounts XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$920.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$180.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$63.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX {$740.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$390.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$180.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$650.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$270.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$550.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$180.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$550.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$430.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$230.00} XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX - XXXX - XX/XX/XXXX - {$920.00} XXXX - XXXX - XX/XX/XXXX - {$360.00} XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$650.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2200.00} XXXX - XXXX - XX/XX/XXXX XXXX {$550.00} Unauthorized Inquiries XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: OH

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and identity theft, which has resulted in unauthorized accounts being opened in my name. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts from my credit file : Unauthorized Accounts XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$920.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$180.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$63.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX {$740.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$390.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$180.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$650.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$270.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$550.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$180.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$550.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$430.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$230.00} XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX - XXXX - XX/XX/XXXX - {$920.00} XXXX - XXXX - XX/XX/XXXX - {$360.00} XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$650.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2200.00} XXXX - XXXX - XX/XX/XXXX XXXX {$550.00} Unauthorized Inquiries XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I did a voluntary Repossession in XX/XX/year> due to covid and loosing my job to afford the payments and repairs. The account is now closed and the car has been sold to somebody else. The balance is still shown on my account and the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The following account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX 

I reviewed my TransUnion credit report on XX/XX/XXXX, and found an issue with incomplete or inaccurate information. Under the Fair Credit Reporting Act ( FCRA ), credit agencies are supposed to make sure all the information they report is accurate. The account listed below doesnt meet those standards. 

Supporting Evidence ( TransUnion Report Details ) : XXXX. XXXX Inquiry Date : XXXX Removal Date : XX/XX/XXXX Type : XXXX XXXX XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX What the law says : If something on your credit report is wrong, the credit agency is supposed to fix it or remove it after looking into it. Under 15 USC 1681 5, theyre required to delete or correct any inaccurate or unverifiable information. Specifically : 1. If the information cant be verified or is found to be wrong, they must : Delete or correct the item in your file.

Let the furnisher of the information know about the change.

And under 15 USC 1681s-2, furnishers arent allowed to provide any information they know or have reasonable cause to believe is inaccurate to a credit agency.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation