vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
XX/XX/year> purchased a medical device for a patient on XXXX. Returned it one week later insured for a refund from Seller XXXX XXXX who did not issue refund. He also filed claim to get insurance off USPS that I paid for. Total charges {$900.00} including late tees unilaterally charged by Chase on disputed amount now have gone up to {$920.00}. XXXX XXXX sent secure XXXX message that he received product back and it works fine. He then lied to XXXX saying it was returned broken. XXXX and Chase reviewed the case without due diligence and possibly with malicious predatory intent to block my due refund. So there is still an open dispute for the remaining balance which reflects the {$820.00} i was scammed out of by XXXX and XXXX XXXX in XXXX XXXX XXXX XXXX, of whom I have filed federal complaint against as well as the {$62.00} return shipping plus usps insurance that XXXX XXXX also filed a claim upon ergo his commission of mail fraud. US Postal Inspectors complaints filed twice. Chase bank rebilled the disputed amount one month after the chargeback since XXXX  was involved and ignored my multiple complaint submissions through their channels now charging exorbitant late fees and predatory interest on the disputed amount in violation of Dodd Frank. XXXX has also ignored requests for investigations and has a sordid history of fraud and criminal activity I have since discovered researching fellow scam victims. Chase is still charging $ XXXX  monthly late fees and not advising on mail insurance fraud resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX I disputed this account through your online process on XX/XX/XXXX Dear Equifax Team, I am writing to formally dispute the accuracy of certain information in my consumer file, as provided under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). 

The details of the disputed information are as follows : XXXXXXXX XXXX XXXX XXXXXXXX I noticed my credit reports are reflecting inaccurate information. One report date of the last activity is missing, this fact is considered inaccurate information that has been reported like this for over 3 years. This account needs to be deleted from my credit report effective immediately. 

I request a free reinvestigation of this information, as required by law. I believe this information is inaccurate for the following reasons : Date of last activity should be the same. Stop sending stall letters stating you can't locate a credit file, and that the information is erroneous. 

As mandated, I expect the reinvestigation to be completed within the 30-day period from the date you receive this letter. If the disputed information is found to be inaccurate, I request that it be deleted from my file, and that I receive a corrected copy of my credit report reflecting these changes. 

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

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: FL

Complaint narrative:
My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Opened on XX/XX/XXXX Unauthorized Inquiries : XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FIN XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: GA

Complaint narrative:
CFPB Complaint Statement : I am filing this complaint against Equifax for repeated violations of the Fair Credit Reporting Act ( FCRA ) in their handling of my credit report. Despite being a documented victim of the Equifax data breach, Equifax continues to inaccurately report the following accounts on my credit report : XXXX XXXX XXXX XXXX : This account is being reported as a charge-off repeatedly every month, falsely manipulating the payment history and extending its negative impact on my credit. This practice violates FCRA Section 605 ( c ) and Section 623, which require accurate reporting and prohibit altering the date of first delinquency ( DOFD ). 

XXXX XXXX : This account is being inaccurately reported with a XXXX balance but is listed as a charge-off/collection without proper payment history, creating a misleading and incomplete record. This also violates FCRA Section 623, as it fails to meet accuracy standards.

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$1500.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Furthermore, Equifax has failed to investigate and correct these inaccuracies despite multiple disputes, violating FCRA Section 605B, which grants identity theft victims the right to have fraudulent accounts blocked or deleted within four business days. Equifax 's negligence in addressing these issues constitutes a direct violation of my rights under federal law.

I am requesting that the CFPB hold Equifax accountable for these violations, ensure these accounts are removed from my credit report, and take necessary enforcement actions to prevent further harm caused by their non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Kikoff Inc.
State: DC

Complaint narrative:
In XXXX of XXXX, I signed up with Kikoff for a background check service to rent a house ( {$15.00} I believe ). I did not realize at the time that it also signed me up for a credit monitoring service at the same time that I did not want. 

After the initial cost, I started getting emails to pay for my subscription credit monitoring service. I tried canceling numerous ways, but got no response. I did not make any additional payments and never used the service. 

I may have gotten a couple additional requests to pay, but then all communication stopped and I believed the service ended. 

Instead, they were billing me in secret. While the total amount wasn't much ( ~ {$55.00} ) eventually they reported me to the credit agencies for being in default without notifying me, which wrecked my credit score. Their service is effectively blackmail.

Once I found out about this ( from a separate background check ) in XXXX of XXXX, I disputed the charges reached out to the company. Their only response was that nothing could be done. Even paying the past due amount could not get the black mark on my credit history removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: FL

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: IL

Complaint narrative:
Im positive I always pay on time, but I dont understand why this company has reported late payments for certain months. By law ( USC 1666b ), billing errors must be fixed, and the account should be marked as " paid as agreed. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-11-30 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: GA

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I initiated a XXXX transaction to my other account at XXXXXXXX XXXX XXXXXXXX for the amount of {$500.00} on XX/XX/year> and was then prompted that it couldnt go through and was later locked out of online banking with Citi Bank. I called their Toll-Free line and was told that they cant verify me because I didnt have the account number because the account was established approximately 4 days ago but I had emails with the last 4 of the numbers. Still couldnt verify my identity even though security questions provided were correct as well as social. I then was provided a number to their fraud department. I contacted them and was told that the account was unlocked and was locked because the Token ID for the recipient ( me ) was invalid and she had lifted the unlock and online banking was restored. After XXXX minutes ( at approx XXXXXXXX XXXX ) I attempted to access the web interface and was prompted with You Information doesnt match our records I call again and was told that the account is under review. I tell the representative that I had called earlier and was told that the account was unlocked but then he just kept telling me that the account was locked and under review and I will receive a reply within XXXX hours with no efforts to expedite. I ask for a manager and a manager expedited the request ; however, I asked to speak to her higher up. After speaking with her higher up, he informed me that the account investigation would be completed TODAY and have not received anything ( XX/XX/year> ). Voice recordings are available if needed as part of cfpbs investigation

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 2024-11-30 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 am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiry on my credit report, which I submitted on XX/XX/2024. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiry in Question XXXX XXXX XXXX  Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiry. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting this changes. 

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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 am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiry on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiry in Question : XXXX  05/20/2024 Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiry.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting this changes. 

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this formal complaint regarding the account XXXX XXXX XXXXXXXX, which continues to be inaccurately reported on my credit file despite my numerous disputes and requests for validation. To date, neither the creditor nor the credit bureaus have provided any contracts, signatures, or proof to substantiate the debt, as required under 15 U.S.C. 1692g ( Validation of Debts ). This lack of response is a clear violation of federal law. Additionally, the continued reporting of this unverified account violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which guarantees accurate reporting, privacy, and confidentiality, as well as 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits furnishing inaccurate information. I am requesting the immediate removal and permanent blocking of this account from my credit report and written confirmation of the action within 15 days. I trust that the CFPB will address this matter promptly to ensure compliance with federal law and to protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: KY

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries listed in my credit report. I am a victim of identity theft, and the following accounts and inquiries were opened or conducted without my knowledge or consent. 
As outlined in 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts and inquiries removed from my credit report. Please find the details of these accounts below : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: IL

Complaint narrative:
I am asking for your support in addressing the inaccurate account being reported on my credit report. This has affected my reputation as a customer, and I require your help to remove these accounts, as they are both incorrectly and negatively reported.

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 2024-11-30 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: MO

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them 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 non-monetary relief
Consumer complaint received 2024-11-30 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:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them 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