vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a text message saying there was fraud detected on my account. I replied with " no '' basically saying it was fraud that I didn't try to make that transaction. Then I received a call from what was a spoofed number. It was the customer service number on the back of my chase card. They knew my name, and were able to send me one time pass codes whenever I asked for proof. So I followed the steps they told me. They told me to attempt to send a wire transfer of {$7900.00}, and that it would fail. It was just to confirm that my accounts had been blocked. It went through, by the time I was able to call my actual bank. ( Jp Morgan ) they said it had processed already. They're attempting a recall, but they don't think I'll be able to get my funds back. I think its enough proof that I put the memo of the transfer as " refund '' or so to show that I believed I'd be getting my money back. They asked for basically similar questions as the bank for the verification process. Such as account number, date of birth, adress, last 4 of social, etc. This happened on XX/XX/2023. I also called my bank on XX/XX/2023. The bank it was sent to was called XXXX XXXX. It said the adress was in Florida, and that the money was being sent to a XXXX XXXX. The caller said I needed to put it under that name to basically make it easier to track.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, 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:
I am contesting any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. If any of these claims are not true, please delete them immediately.

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 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I am contesting any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. If any of these claims are not true, please delete them immediately.

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 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have accounts that needs to be removed due to incorrect information being reported I have previously removed these accounts from the other bureau experian and transunion wont delete off the report I am referring to XXXX XXXX XXXX  opened XX/XX/XXXX balance {$4300.00} also XXXX XXXX XXXX opened XXXX balance {$4400.00} ameri collect dates opened XX/XX/XXXX, XX/XX/XXXX balance {$1500.00} and {$1500.00} that is supposed to be deleted which is already deleted from my report due to previous dispute XXXX wont delete anything nor will update my report when i reported someone was using my name. 

XXXX XXXX  XXXX opened XX/XX/XXXX balance XXXX monthly payment {$490.00} i have paid my bill and i need it updated i dont have a XXXX late payment self credit card opened XX/XX/XXXX balance {$500.00} i already paid my bill i need it updated that i paid i dont have a late payment and the utilization isnt reporting right self loan XX/XX/XXXX i have paid my bill already i dont have a late payment

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 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX  XXXX XXXX Balance : {$29000.00}

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 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In XXXX I opened a credit card with the XXXX  XXXX XXXX and since that, I set an auto payment with the total amount every month and had no single missing monthly payment with them or with other creditors in my whole life. 

My Statement balance on XX/XX/XXXX was {$7.00} and for some reason, the bank removed my auto payment so that amount was not paid as usual and I never know that. 

The following month ( XX/XX/XXXX ) the bank charged my account {$0.00} as interest for the {$7.00} that was not paid due to the removing the auto payment by the bank, and in XXXX they charged my account {$0.00} for the same reason without noticing me that my account has a problem that needs attention. When I realized that I paid the full amount immediately. 

The problem is that was reported to the three credit bureaus as a late payment for more than 30 days and that affected my credit score and has decreased by XXXX points for the late payment of just {$7.00} after dealing with that bank for 5 years with no even single problem or delinquency. 

I contacted the bank to explain that was a mistake by them to remove my auto payment and I would never make a delinquent and destroy my credit history for just {$7.00}, they refused to solve the problem by sending any notice to the credit bureaus removing that and showing that was their mistake and not mine. 

I disputed that with the credit bureaus but they said the information that was reported to them by the bank is accurate and correct and they are not able to do something until the bank is sending them a notice saying that was their mistake. 

The bank made that mistake and I pay for it, they destroyed my credit score and my credit history for just {$7.00} while my credit line with them is {$5600.00} with a good standing and clean history, That is odd and ridiculous! 

I am asking you to investigate that and let the XXXX  XXXX XXXX send a notice to the three credit bureaus to remove the late payment from my credit history and fix my credit score that was affected by that. 

Thank 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 non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In XXXX I opened a credit card with the XXXX  XXXX XXXX and since that, I set an auto payment with the total amount every month and had no single missing monthly payment with them or with other creditors in my whole life. 

My Statement balance on XX/XX/XXXX was {$7.00} and for some reason, the bank removed my auto payment so that amount was not paid as usual and I never know that. 

The following month ( XX/XX/XXXX ) the bank charged my account {$0.00} as interest for the {$7.00} that was not paid due to the removing the auto payment by the bank, and in XXXX they charged my account {$0.00} for the same reason without noticing me that my account has a problem that needs attention. When I realized that I paid the full amount immediately. 

The problem is that was reported to the three credit bureaus as a late payment for more than 30 days and that affected my credit score and has decreased by XXXX points for the late payment of just {$7.00} after dealing with that bank for 5 years with no even single problem or delinquency. 

I contacted the bank to explain that was a mistake by them to remove my auto payment and I would never make a delinquent and destroy my credit history for just {$7.00}, they refused to solve the problem by sending any notice to the credit bureaus removing that and showing that was their mistake and not mine. 

I disputed that with the credit bureaus but they said the information that was reported to them by the bank is accurate and correct and they are not able to do something until the bank is sending them a notice saying that was their mistake. 

The bank made that mistake and I pay for it, they destroyed my credit score and my credit history for just {$7.00} while my credit line with them is {$5600.00} with a good standing and clean history, That is odd and ridiculous! 

I am asking you to investigate that and let the XXXX XXXX XXXX send a notice to the three credit bureaus to remove the late payment from my credit history and fix my credit score that was affected by that. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
In XXXX I opened a credit card with the XXXX  XXXX XXXX and since that, I set an auto payment with the total amount every month and had no single missing monthly payment with them or with other creditors in my whole life. 

My Statement balance on XX/XX/XXXX was {$7.00} and for some reason, the bank removed my auto payment so that amount was not paid as usual and I never know that. 

The following month ( XX/XX/XXXX ) the bank charged my account {$0.00} as interest for the {$7.00} that was not paid due to the removing the auto payment by the bank, and in XXXX they charged my account {$0.00} for the same reason without noticing me that my account has a problem that needs attention. When I realized that I paid the full amount immediately. 

The problem is that was reported to the three credit bureaus as a late payment for more than 30 days and that affected my credit score and has decreased by XXXX points for the late payment of just {$7.00} after dealing with that bank for 5 years with no even single problem or delinquency. 

I contacted the bank to explain that was a mistake by them to remove my auto payment and I would never make a delinquent and destroy my credit history for just {$7.00}, they refused to solve the problem by sending any notice to the credit bureaus removing that and showing that was their mistake and not mine. 

I disputed that with the credit bureaus but they said the information that was reported to them by the bank is accurate and correct and they are not able to do something until the bank is sending them a notice saying that was their mistake. 

The bank made that mistake and I pay for it, they destroyed my credit score and my credit history for just {$7.00} while my credit line with them is {$5600.00} with a good standing and clean history, That is odd and ridiculous! 

I am asking you to investigate that and let the XXXX  XXXX XXXX send a notice to the three credit bureaus to remove the late payment from my credit history and fix my credit score that was affected by that. 

Thank 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 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX  : - ; XXXX  XXXX  XXXX  ( Original creditor : XXXX XXXX XXXX XXXX  XXXX  ) XXXX XXXX  : {$930.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$180.00} ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : 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 explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX  : - ; XXXX  XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  : {$930.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX  : {$180.00} ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Recently, I received a copy of my credit report from TRANSUNION The credit report showed a credit inquiry that I did not authorize. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. 


Please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 

Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately.

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 2023-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dispute transaction from XXXX XXXX in the amount of {$1000.00}. Dispute ID is XXXX for my card ending in XXXX, account holder my company XXXX XXXX XXXX Chase blatantly refused to provide any documentation in support of its decision. I demand immediate reversal of the denial because my dispute falls squarely within the purview of what may be disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LPH, Inc.
State: MT

Complaint narrative:
Seven years ago, I worked with this company in court to determine an amount owed, and a payment plan. I have a receipt from seven years ago showing my account is paid in full. They continue to try and collect, seven years later and two attempts for no contact. Please help me to get them to stop contacting me over this debt. They have the receipt on file and they will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, 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:
The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). CRAs are companies that collect and maintain consumer information, which is then used to produce consumer reports. These reports may be used by creditors, insurers, employers, and others to make decisions about granting credit, loans, insurance, or employment. Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the information they report. They must also correct or delete inaccurate or incomplete information. In addition, the FCRA requires CRAs to provide consumers with access to their consumer reports upon request. Finally, the FCRA protects consumers from identity theft and other forms of fraud by requiring CRAs to take reasonable steps to protect the confidentiality and security of consumer information. The FCRA is enforced by the Federal Trade Commission ( FTC ), the nations consumer protection agency. With that said, according to the Fair Credit Reporting Act, Section 611 of FCRA, you have a responsibility of promptly deleting any information which is inaccurate or incomplete. This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any way, the burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report. Furthermore, the Metro 2 standard is a common format for reporting credit information. Banks and other lending institutions use the Metro 2 standard to report information to the CRAs. The goal of the Metro 2 standard is to make it easier for lenders to provide accurate and consistent information to the CRAs. This, in turn, should help to improve the accuracy of credit reports. The Metro 2 standard was developed by the Consumer Data Industry Association ( CDIA ) and is used by all major credit reporting agencies ( CRAs ) .The information in my credit report is wrong! Therefore, it can not be compliant with FCRA and METRO 2 standards because the information was never proven to be factual. So now, I have decided that enough 's enough, and will exercise my consumer rights. The following account allegations are either untrue, unverified, and incorrect. Please remove them immediately, or I will have no choice but to 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 non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, 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:
This is my follow-up complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX A XXXX Balance {$1200.00} XXXXXXXX XXXX XXXX XXXX Balance {$840.00} XXXX XXXX XXXX  XXXX Balance : {$730.00} XXXX XXXX XXXX Balance $ {$1200.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation