vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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: GA

Complaint narrative:
I have disputed fraudulent information on my consumer report with ALL three credit reporting agencies and the only ones who are performing their fiduciary duties are XXXX. I have no problem with XXXX at this point. On the other hand, XXXX XXXX, and Experian Information Services , Inc. aka Experian PLC, have continued to furnish this inaccurate and fraudulent information on my consumer report causing me great harm. I have stated and sent written correspondence claiming and proving I have been a victim of XXXX  XXXX  and identity theft and based on me providing proof in the form of a police report, FTC report and a victim determination letter, they are supposed to remove the erroneous information after four ( 4 ) business days per FCRA Section 605 ( B ) and 605 ( C ). They have not done so. Most of the accounts in delinquency have charged-off the account which by IRS publication is determined income and income can not be placed on a consumer credit report. Not only have they violated the FCRA regulations but also 12 CFR Part 1022, 12 CFR Part 1016, 16 CFR Part 314 and the Privacy act of 1974. There have been several security breaches where consumer information has been stolen from their safekeeping in trust which violates Trust law as well. These companies are also committing securities fraud by selling consumer notes on secondary and foreign markets/exchanges. Per XXXX XXXX SEC XXXX filing between them and their indenture trustee, XXXX XXXX XXXX XXXX XXXX they clearly state they will not sell our securities on any markets. I am calling the XXXX XXXX XXXX XXXX XXXX XXXX, at XXXX tomorrow to get XXXX XXXX XXXX XXXX XXXX number and will make a claim against it if they do not settle with me immediately. Experian is in violation of The Foreign Corrupt Practices Act ( FCPA ) for international practices involving fraud or corruption impacting U.S. consumers due to their XXXX security breach. I am not standing by while these companies commit all of these violations anymore. I have attached my JS 44 cover sheet and am willing to take Experian to federal court for their crimes. I will call XXXX XXXX and XXXX XXXX ( XXXX ) and report Experian for their fraud. I will file form 3949a to the IRS along with any 1099s that I discover have been filed in my name by either of these companies and have them both audited. I am calling the I am also prepared to involve XXXX XXXX XXXX and their trustee, XXXX XXXX XXXX XXXX, for securities fraud. I will purchase a financial forensic audit based on GAAP which will show the chain of custody for the securities being traded on secondary and foreign markets if my demands aren't met expeditiously.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My credit report is showing XXXX bankruptcies these bankruptcies does not belong to me and never filed bankruptcy please delete

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 2024-12-05 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , 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 : LIST OF ITEMS TO BE REMOVED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( private case number ) 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 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 2024-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to formally lodge a complaint against Chase Bank regarding the mishandling of an ATM deposit I made on XX/XX/year>, at their ATM located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY ( Terminal ID : XXXX ). 

Here are the details of the incident : 1. On XX/XX/year>, I made two cash deposits at the mentioned ATM. 
The first deposit of {$2400.00} was recorded successfully. 
The second deposit of {$3500.00} was not recorded due to an ATM error. 
2. I immediately called Chase Bank to report the issue. Chase acknowledged the error and placed a temporary credit of {$3500.00} into my account while investigating the claim. 
3. On XX/XX/year>, Chase unexpectedly reversed {$1900.00} from my account without providing any clear explanation or justification. 

I have repeatedly sought clarification from Chase but have not received a satisfactory resolution. The lack of transparency and the unjustified reversal of funds have caused me significant financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  number 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 2024-12-05 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 writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-12-05 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: NC

Complaint narrative:
'I disputed information on my credit report and asked for a reinvestigation on the XXXX XXXX XXXX account back in XXXX to validate the debt, the information is still on my report. They are reporting information on my report of an account being charged off and sold to another company, but they have not provided me with the new company information. There is a partial account number that can not be verified. They have failed to provide me with information showing what information they used to confirm that the debt belongs to me, they just keep the information reporting on my credit report. My rights have been violated and I have been impacted negatively because of this. According to the FCRA 1681 ( e ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. 

They have not followed these laws but they are reporting this account on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-12-05 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: TX

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
During XXXX a was working but one day to other I XXXX XXXX XXXX they fire me to try to open my own business. After that I started my own business but as its known is not easy with a family and been the support and head of my house plus I got XXXX XXXX XXXX XXXX XXXX XXXX and I had to pay {$10000.00}. We struggled even to pay the rent on time. And I used my credit cards, I got to a point where the bussines needed a lot of investment and I did not have money to pay cards. When I realized my debs were very high and minimum payments were big that I could not afford it.. now things seem brighter and little by little Im building my bussines I know how important is to have a good credit that is why I want to restore it.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies ( XXXX ) exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Experian refuses to remove this incorrect information from my social security number because that name is not my name. I have tried to do this 3 times already. I have sent a color copy of my social security number, my driver 's license, and a copy of my passport. It refuses to correct my name. Everything that is incorrect under my social security number is because it is selling false information about me. It knows full well what the law says in these types of cases. I warn you that I will take a court order for you to be prepared to present all the evidence you have and all the evidence that I have sent to them. Thank you.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

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 2024-12-05 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: CO

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-05 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Mistakes on my credit report involve hard inquiries I never approved. To align with 15 USC 1681c-2, I request their removal.

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 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Hello My name is XXXX XXXX XXXX XXXX This was sent to Citizens ' corporate headquarters XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX I am asking your company to return my social security check back to the XXXX Treasury Office of the State of Michigan immediately. I was told that your team will release the hold from my son 's account on XX/XX/year>. Today my son and I were informed from your company an extended hold was placed on my check for an additional 12 days. The new release date is XX/XX/year>. 

My question is Why and what kind of investigation takes over 10 days? 
My son was informed by one of your representatives that the check was ok to deposit inside his mobile banking with my approval. I was currently in the hospital and needed my bills paid, so my son decided to help me by depositing the check inside his account, to pay my landlord so I would not be homeless. 

My son is my XXXX XXXX, He takes care of me on a daily basis because I'm XXXX. I need my money because of my medications and now because of this hold on my check I'm being evicted out of my home. 

I returned the physical check back to social security, Can you please reach out to your back office and ask them to return my check back to social security. My son and I are willing to go to a local branch to get this issue resolved. Please call me XXXX My son account information is XXXX Paid Transmittal # XXXX Check number is XXXX Check amount $ XXXX Please contact me for more information and any question you may have My son name is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Please help!

Company response to consumer: Closed with explanation