vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
I researched my credit report with the 3 major agencies found inconsistency on opening and closing and balance. I then contacted the company and the explained the account is CHARGED-OFF then a 3rd party sent a letter stating that I owed them money which isnt the original creditor The U.S. Code 1681e refers to the Fair Credit Reporting Act ( FCRA ), which governs the accuracy and privacy of information in consumer credit reports. Specifically, this section outlines the requirements for the responsibilities of consumer reporting agencies in ensuring the accuracy of the information they report.

1. **Accuracy Requirements** : Consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports.

2. **Information Furnishing** : It includes provisions about how information is gathered and verified, ensuring that there are mechanisms in place for correcting inaccuracies.

3. **Consumer Rights** : This section emphasizes the rights of consumers to dispute inaccuracies in their credit reports and the obligations of reporting agencies to investigate and correct errors promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Constantly calling my ex husband up to 10 times a day despite hijm telling them it is the wrong number. Contacted them myself as well and asked they no longer call him and they continue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I submitted a claim because I noticed fraudulent transactions both credit and debit from the merchant XXXX XXXX XXXX XXXX then proceeds to debit the credit transactions ( {$4300.00} ) and stated I am liable for the debit transactions ( {$4600.00} ). This made absolutely no sense because they reversed the credit transactions but deemed me as liable for the debit transactions. ( This also put my account about {$4000.00} in overdraft, and I have no way to pay this off as I am an XXXX XXXX XXXX XXXX student ). I then call chase the following day and spoke to another claim specialist. The claim specialist then files me a new claim stating that the previous claim was filed wrong. He tells me that he is 100 % certain that this claim will be approved. 2 days later the claim is denied. I call chase again and they told me to contact the merchant and ask them to reimburse me for the lost funds. I contact the merchant ( XXXX XXXX XXXX XXXX ) and they said they can't reimburse me for the lost funds and to file a claim with my financial institution. I call chase again and they tell me to upload documents so your claim can be be reasserted. I proceed to upload documents from the conversation between me and the merchant and they have stated that I have been compromised. I also uploaded documents stating the age you have to be to use XXXX XXXX  which is 21 years in New York. I currently live in New York, lived here my entire life and I am XXXX XXXX XXXX so I can't even use XXXX XXXX. XXXX then looks at the documents I submitted and state that they are not good enough. Now im completely in shambles because my account is {$4000.00} in overdraft and I have no money to buy necessities like schools books and other things. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: LA

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 XXXX XXXX XXXXccount [ XXXX ]. 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 2024-11-22 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: FL

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

Please find attached a copy of my ID, FTC complain, NPD report showing exposed data breach information, and debt validation letter.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I was targeted by an employment scam involving a fraudulent job offer impersonating the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ). The scammer used the email XXXX and claimed to represent XXXX XXXX XXXX, who could be contacted at XXXX ( XXXX ) XXXX. After several email and text exchanges, I was hired and instructed to deposit a check they provided and use the funds to purchase office supplies. 

The check appeared to clear temporarily, but it was later placed on hold. Believing the check was legitimate, I sent two payments via XXXX to XXXX XXXX ( XXXX ) under the pretense that I would be reimbursed : XXXX. {$950.00} on XX/XX/year>, for a laptop. 
XXXX. {$600.00} ( Payment ID : XXXX ) on XX/XX/year>, for additional office supplies. 

When I realized the job offer was fraudulent and the check was fake, I immediately contacted Chase Bank to report the scam and provided evidence, including emails, texts, and payment details. However, Chase denied my fraud claim and refused to recover the funds. XXXX has also not assisted in addressing this issue. 

I am requesting a thorough investigation into these transactions, as the funds were sent under false pretenses as part of a larger fraudulent scheme. This incident has caused a total financial loss of {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: KY

Complaint narrative:
An account was opened in my name I was unaware of, and I closed it before the line was used or activated. I contacted the company directly to report the issue and requested it be removed from my credit report. After 30 days, the account was closed, but they are still insisting I pay the annual fee for the account I never consented to. 

I refused to pay, and as a result, my credit score dropped XXXX points due to a delinquency on an account I never opened. 

Shame on this company for not treating consumers and having life altering negative access to my credit 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 2024-11-22 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-22 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: MD

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: IN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: Experian Information Solutions Inc.
State: MD

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 studying 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 XXXX out of XXXX 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 2024-11-22 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: SC

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: MI

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: WA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: WA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-11-22 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: MI

Complaint narrative:
It is my personal statement that the bankruptcy that I have listed here is fraudulent and needs to be deleted within XXXX business days of your receipt of this report pursuant to 15 USC 1681c-2 of the FCRA on clear grounds of identity theft. DELETE BANKRUPTCY : XXXX XXXX XXXX XXXX XXXX XXXX. This Bankruptcy keeps getting verified, if this keeps happening, I will have no choice but to seek legal XXXX in this matter as this NOT my account. 

PLEASE SEE ATTACHED IDENTITY THEFT 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 2024-11-22 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: MI

Complaint narrative:
It is my personal statement that the bankruptcy that I have listed here is fraudulent and needs to be deleted within XXXX business days of your receipt of this report pursuant to 15 USC 1681c-2 of the FCRA on clear grounds of identity theft. DELETE BANKRUPTCY : XXXX XXXX XXXX-XXXX  XXXX  XXXX  XXXX. This Bankruptcy keeps getting verified, if this keeps happening, I will have no choice but to seek legal Counsil in this matter as this NOT my account. 

PLEASE SEE ATTACHED IDENTITY THEFT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX. Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section XXXX of the Fair Credit Reporting Act ( FCRA ) XXXX added by the XXXX XXXX XXXX XXXX XXXX XXXX  Year XXXX ( XXXX XXXX  ) XXXX In brief, section XXXX provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer reporting agency.XXXX  Under section XXXX, the Bureau XXXX required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA XXXX Section XXXX is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Docket No. XXXX ] RIN XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX  XXXX  ( Regulation V )

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 2024-11-22 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX Citibank Charged For Deferred Interest Of {$490.00} For XXXX XXXX with XXXX interest Expiring In XXXX XXXX. 

Debtor paid this promotional balance in-full in lump sum payment On XXXX XXXX, XXXX ( {$1400.00} Electronic Applied To This Selected Full Balance, Which Was Checked Online For Payment Application On XX/XX/XXXX as an electronic payment option provided within the Citibank Best Buy account services/promotional balances payment portal ). 

This lump sum payment of {$1400.00} for expiring XXXX XXXX promotional purchase was made in addition to minimum monthly revolving balance payments applied to general balance according to XXXX XXXX XXXX in XXXX XXXX and XXXX XXXX. See attached documentation. 

Documentation of promotional balance amount and terms in question has been removed from website by lender. Information has been requested from XXXX XXXX to further substantiate this claim.

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 monetary relief