vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NC

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE 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 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In early XXXX, I scheduled a chase payment for the minimum due on the due date A few weeks after scheduling this payment, I enrolled in their auto-pay for subsequent payments for peace of mind. They withdrew a payment on XXXX occasions, on XX/XX/2024 and on XX/XX/2024. I contacted them upon noticing and was told I would be refunded but to call back on XX/XX/XXXX because there was a hold on my account and he couldn't process the refund then. I called on XX/XX/XXXX and was told the refund would be processed and would be returned back to my account in XXXX business days. After noticing the deposit hasn't yet landed in my bank account, I contacted Chase today. After being bounced around a few departments, I was told that I was misled and that I would NOT be refunded. Not only was my time wasted by XXXX different specialists who assured me that I would be refunded but the supervisor today was nothing short of pedantic and patronizing. They claim calls are recorded so if in doubt, they can replay those calls to confirm I was assured by their specialists that those funds would be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Hello, I am requesting an investigation into these accounts, as there appears to be confusion regarding their accuracy on my credit report. These accounts were previously removed but have been re-added without my awareness. I was not notified of their reinstatement and have not received any mail correspondence about this 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 2025-01-08 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX : XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Charged off XXXX OF XXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$4800.00} Charged off XXXXXXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Charged off XXXX CARD XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5400.00} Charged off XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$6800.00} Charged off XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance Owed : {$1700.00} Collection XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX Owed : {$2900.00} Collection XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$3700.00} Collection XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$1200.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX : {$790.00} Collection XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$620.00} Collection XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$650.00} Collection XXXX  XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX. ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Collection XXXX XXXX ( Original Creditor : XXXX BANK XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$720.00} Collection PORTFOLIO XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$970.00} Collection XXXX XXXX ( Original Creditor : XXXX BANK ) XXXX XXXX XXXX : XX/XX/XXXX Balance Owed : {$5300.00} Collection Inquiry in Dispute : XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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 account listed without my expressed written consent.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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. 
"

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 account listed without my expressed written consent.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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 account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This forceful grievance underscores the alarming inclusion of inaccurate and incomplete credit information in my profile. It is glaringly evident that your operations have drastically fallen short of the fundamental standards mandated by credit reporting laws, particularly 15 USC 1681. This federal statute explicitly dictates that credit bureaus must report nothing less than 100 % accurate credit information, leaving no leeway for the haphazard and erroneous data currently tarnishing my report. The seriousness of this transgression necessitates an immediate and thorough re-examination of the following details, ensuring strict adherence to the unyielding statutory provisions outlined in 15 USC 1681 1 : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX XXXX accurate XXXX XXXX Account Number : XXXX Please remove it from my credit report. 2 : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX XXXX accurate XXXX Account Number : XXXX Please remove it from 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) 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 2025-01-08 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: MD

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 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The laws established by XXXX to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
Rental Property : XXXX XXXX XXXX XXXX, OH XXXX Lived at this property from XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX the key to the property was taken from me under false pretense. I was behind on the rent and a representative of XXXX XXXX XXXX XXXXXXXX, came to the property to deliver a 3 day notice to quit or pay and asked to borrow the key to the property to have a copy made. My total debt owed at the time of this interaction was {$1200.00}. XXXX promised to return the copy of the key within XXXX hours after I advised that was my only key. He did not return the key. In fact put the key in a lock box on the front door for XXXX XXXX XXXX employees to be able to access the upstairs apartment. The lock box code given to me did not work. They in essence locked me out of the unit because I could not secure the property and it was unsafe for my children and myself to stay there. I began to stat with a friend for safety reasons. Then secured a new lease in XXXX and completely moved out of this location. Also, the bathroom ceiling cave in XX/XX/XXXX making the property uninhabitable. XX/XX/XXXX XXXX XXXX XXXX XXXX National Credit Systems ) reported a debt of {$4500.00}. 
Initial Balance : {$1200.00} November 2023-March 2024 Charges : Rent : {$3000.00} Late Charges : {$250.00} Total : {$4500.00} I was not at this property since mid XX/XX/XXXX as explained above. I've reached out to all of the following companies to correct the amount of the debt so it can be settled : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX documents supplied & requests sent : Copy of my current lease from XXXX XXXX Copy of 3 day notice given to me in XX/XX/XXXX Copies of email communications regarding lock out XX/XX/XXXX Requested copy of a lease agreement to validate the debt Requested that the debt amount be modified to reflect the correct amount of {$1200.00} so I may settle this issue. 

After more than 2 months, none of the requests sent have gotten any response. National Credit Systems representative XXXX XXXX admits that they received the copy of my lease but state that I could have had XXXX leases at the same time. His supervisor XXXX XXXX hung up on me after leaving me on hold. I am simply trying to resolve this debt for the correct amount.

Company response to consumer: Closed with explanation