vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring your attention to inaccuracies on my credit report that occurred as a result of financial hardship caused by the XXXXXXXX pandemic. According to federal guidance and the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, creditors and credit reporting agencies are expected to provide relief and leniency to individuals financially impacted by the pandemic. However, I have identified derogatory marks and late payments on my credit report during this period that do not align with these provisions. 

Explanation of Circumstances : I was financially affected by the XXXX pandemic, resulting in a loss of income and unemployment during [ XXXX ]. 

During this time, I communicated with my creditors regarding my financial situation, requesting relief and accommodations under the available programs. Despite this, late payments and other derogatory remarks were reported to the credit bureaus. 

Under the CARES Act, lenders were required to report accounts as " current '' if accommodations were made due to pandemic-related hardship. These negative entries appear to have been reported in error or without considering the appropriate guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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:
Ive looked at my report and noticed that there are late payments on my report on account XXXX XXXX Acct number XXXX Under law usc 15 1666 B ( a ) A creditor may not treat a payment on a credit card account under an open and consumer credit plan Repost late for any purpose. 
This is violating my rights and consumers law these late payments meed to be removed asap

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 2024-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went in the branch ( chase ) to transfer XXXX to XXXX to pay mortgage but it never arrived. I have contacted with the agent ( reciever ) and he didn't get it. This is not the first time for this transaction. XXXX us the third attempt and still didn't work. I have contacted Chase and went in the branch try to resolve this matter but unsuccessful. I have the refund case # XXXX  from Chase. Can you help to solve this problem please. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: DC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-10-14 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: RI

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXXXXXX XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have made several attempts to update and correct my credit file from Experian, XXXX and XXXX and all attempts have been unsuccessful. The Credit Agencies are simply stalling my attempts for accuracy and not conducting any type of investigation into the concerns that I have raised. I have provided documentation, namely my Drivers License, Social security card and Utility bill along with direct means to contact me. They are constantly and consistently ignored. As a result I am being denied for credit, paying higher interest rates and losing career opportunities. 

I have sent these request in XX/XX/XXXX, received electronic confirmation that the investigation would not be conducted. Ive tried calling in with no success and have allowed over 30 business days for some type of investigation to take place.

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 2024-10-14 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: EQUIFAX, INC.
State: NY

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 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Im trying to sell my car in order to do so I need the lien release letter or title from Chase Bank. They never sent me this despite me having paid the car loan off over a year ago. I called to get it and they said 2-10 days, but I didnt receive. I pressed them again and they said they could overnight it but the overnight request would take two days to process. They should be able to do this more quickly and not hold my lien release hostage. Or provide me a digital copy at least.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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:
Ive looked at my report and noticed that there are late payments on my report on account XXXX XXXX Acct number XXXX Under law usc 15 1666 B ( a ) A creditor may not treat a payment on a credit card account under an open and consumer credit plan Repost late for any purpose. 
This is violating my rights and consumers law these late payments meed to be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I recently visited a local bank to open a checking account, but was recently denied because from their words I have a report of identity theft on my credit that I don't know about. I did my research from all three credit bureaus but none were successful at finding where this problem arose from. I do know that in XXXX of XXXX, American Express had closed my savings account due to " security reasons '' and there was no way for them to verify my identity and solve the issue. I still had money in my account and they never explained why they could not send a check in the mail for my money. That whole thing was never resolved til this day and they may be the reason why I have been denied of all bank accounts I've tried to open these past years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The company is Care Credit, located in Ohio. My husband has an account with Care Credit. I was an authorized user. He has had a XXXX balance for a long time, but since I am an authorized user, his credit limit with them which is {$5500.00} is listed on my credit report as part of my credit usage. This has resulted in my credit utilization being high, which results in XXXX lowering my credit score. I called to ask Care Credit to close my account and to remove their listing on my Credit Report. They said they would close it and write a letter to XXXX, to remove it from my credit report. That was months ago. Sorry I dont have the exact time that I called in, but my account is closed as I spoke to another representative this morning who confirmed it. I asked the representative to please have the listing removed from my Credit Report and was told she couldnt do anything about it. I tried calling XXXX and it's next to impossible to get through to a live agent. I would appreciate it if this account, listed as SYNCB/CARE CREDIT on my XXXX Credit Report is removed. My phone number has changed. My phone number listed is incorrect my new number is 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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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 2024-10-14 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: RI

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-10-14 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: AL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2024-10-14 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: AL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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

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

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

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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

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

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

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

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 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS MAKE ME XXXX, I WANT THESE TO BE TAKEN OFF FROM MY REPORT 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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX compliance letters were mailed out to all 3 credit bureaus on all of these following dates. 
XXXX XXXX XXXX XXXX XXXX They seem to refuse investigating my accounts considering all the stall letters I've received.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
Upon obtaining a copy of my credit report, I noticed an account listed from this company with a {$3300.00} balance. I have disputed this information multiple times, as I do not know where the account came from, or where the funds were received. Not only do I not recognize this account, it is also reporting inaccurate information, which is against my rights as a consumer. 
The date of last activity is incorrect. There are two different opening dates being reported on my credit report as well. And on top of that the status of the account is still not accurate, even after directly disputing this information multiple times. According to section 1022.43 ( a ) ( 2 ) of Regulation V in regards to direct disputes, it is law that these disputes be investigated. It is my right as an American consumer to have an accurate, and complete consumer report. I will be providing documents to support the evidence that my claims were ignored and my disputes were neglected. If you look at the XXXX results, they clearly say how this information in verified by furnished as accurate, yet theyre still reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: PA

Complaint narrative:
XXXX XXXX XXXX : XXXX XXXX SS : XXXX This CFPB complaint has been submitted to request, in accordance with FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, the TransUnion credit reporting agency , block information on my consumer credit report that stems from identity theft and fraud within four business days of receiving this complaint. The fraudulent, inaccurate, and false information includes XXXX, Account XXXX : XXXX bal. {$17000.00}. XXXX XXXX, Account XXXX : XXXX bal. {$390.00}. Receivable management bal. {$310.00} Account number n/a These accounts have led to numerous hard inquiries and fraudulent collections on my FICO credit report. I am providing a list of the fraudulent accounts you are maintaining that appear on my report. I do not recognize any of these accounts, collections, or hard inquiries. They were not opened, created, or initiated by me, and all are the direct result of identity theft and fraud, violating consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 605B, you are required to block this information from my credit report. Attached is a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that these accounts, collections, and inquiries are unequivocally tied to identity theft and fraud. I expect immediate action in accordance with consumer protection laws.

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