vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I was signed up for XXXX XXXX  without my knowledge, had late payments reported to the credit bureau and had a loan denied

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: IL

Complaint narrative:
I am seeking your help regarding the incorrect account appearing on my credit report. This concern has impacted my reputation as a customer, and Im requesting your assistance. Please ensure these accounts are removed as they are inaccurately and negatively affecting 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 2024-11-07 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 information is inaccurate.

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 2024-11-07 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: IN

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account 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 explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I rented an apartment on XX/XX/XXXX. They were many XXXX that was documented by XXXX XXXX XXXX  that was never repaired. While living there, I had a XXXX XXXX that XXXX XXXX XXXX which XXXX XXXXt never repaired. I have a police report. I have moved out on XX/XX/XXXX with no rent due. The complex has sent me to collections on XX/XX/XXXX without contacting me or providing a move out report to me, requesting {$4500.00} in XXXX. I have reached out to the apartment and debt collector in detail about the charges. Im being charged to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but it was already damaged upon move in. Im being charge for XXXX XXXX that I never used ( I kept putting in maintenance request that were never done ). Im being charged for XXXX XXXX whereas they were never replaced when I moved it, they were only painted over. While living there and constant water, the paint started chipping off slowly. They are charging me for XXXX XXXX XXXX when I lived for for over XXXX XXXX. They are charging for a XXXX XXXX XXXX XXXX XXXX XXXX where I have proof that it was like that when I moved in. They are charging for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX were wide open for XXXX XXXX. I have all my move in photos. I have reached out to the XXXX XXXXXXXX, XXXX XXXX and their HR by email on XX/XX/XXXX with no response. I also reached out to the debt collector on XX/XX/XXXX that responded they have received my dispute. XXXX I received another letter from the collection agency stating that I have not made suitable arrangements and I will be sent to the collection agencies. They have not responded to any of my disputes. The apartments, their management company or the debt collector has done their due diligence in reference to my dispute. I have not been contacted, all Im receiving is debt letters but no response to the dispute. Also I requested to provide where my XXXX XXXX was applied with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Summer of 2024, received notice from Bank of America that my XXXX XXXX credit card was to be deactivated due to non-use. I didn't respond and chose to let it expire. In XXXXXXXX XXXX, Bank of America sent me a XXXX XXXX XXXX that I had not requested. I destroyed and disposed of the card and did not activate it. On XX/XX/year>, I received a collection call from Bank of America informing me that I was XXXX XXXX behind in my payment and owed over {$18000.00}. 
I requested referral to the Fraud Division to begin and investigation. Since then I have simultaneously been issued a statement that the balance owed was {$0.00}, then received another collection call that the balance was over XXXX XXXX once again. During my subsequent call to the Fraud Division, I was told that their investigation was closed and that the debt was still owed. The person on the phone admitted to not having looked at the file, opting to transfer me to another office, which chose to connect me to Customer Service, rather than anyone in supervisory capacity within the Fraud Division. 
My Certified mailings were received by them, but not acknowledged.

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 monetary relief
Consumer complaint received 2024-11-07 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: IL

Complaint narrative:
I always pay my bills on time, so Im not sure why this company is listing me as late for some months. According to USC 1666b, any errors should be corrected, and my account should be updated to " paid as agreed. ''

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 2024-11-07 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: TX

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXX - XXXX - XX/XX/XXXX - {$7900.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$77000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$22000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$19000.00} XXXX - XXXX - XX/XX/XXXX - {$47000.00} XXXX - XXXX - XX/XX/XXXX - {$7800.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$14000.00} XXXX XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$19000.00} XXXX XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$9100.00} XXXX XXXXXXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$26000.00} XXXX XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$12000.00} INQUIRIES : XXXX XXXX XX/XX/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 2024-11-07 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate. 
FRAUDULENT ACCOUNTS XXXX XXXX XXXX ( Original creditor : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
XXXX XXXX Hope all is well first i would like late payments deleted off my credit report due to 15 USC 1692c, 15 USC 1692g, 15 USC 1681e. 31 USC 3123 AND 18 USC 8 STATE ALL BILLS ARE PREPAID THEN WHY ARE IM I PAYING DOUPLE. 
18 USC 894. I WOULD LIKE THIS TO BE TAKING SERIOUS BECAUSE MY CONSUMER RIGHTS CONTINUE TO KEEP BEING VIOLATED.

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 2024-11-07 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 respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 2024-11-07 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: IL

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 2024-11-07 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'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, XXXX, and TransUnion, along with XXXX, are in violation of several provisions under the Fair Credit Reporting Act ( FCRA ) by failing to handle my disputes responsibly and in accordance with federal law. First, these credit bureaus are disregarding their duty to conduct a timely and reasonable investigation as mandated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a reinvestigation of disputed information within 30 days of receiving notice of the dispute. Additionally, they are failing to notify data furnishers of my dispute, violating 15 U.S.C. 1681i ( a ) ( 2 ), which requires that the credit reporting agency forward notice of the dispute to the data furnisher within five business days. Furthermore, 15 U.S.C. 1681i ( a ) ( 4 ) obliges these agencies to review and consider all relevant information I provide, yet they are verifying inaccurate public records without considering the supporting documentation I have submitted. 

XXXX and the credit bureaus are repeatedly verifying inaccurate information without conducting proper investigations, violating 15 U.S.C. 1681s-2 ( b ). This section mandates that furnishers of information, upon receiving notice of a dispute, must perform a complete and accurate investigation and report their findings back to the credit bureaus. The repeated verification of inaccurate information, despite clear documentation to the contrary, demonstrates willful non-compliance and a reckless disregard for the accuracy standards outlined in 15 U.S.C. 1681e ( b ). Lastly, their delays and lack of responsiveness in handling my disputes breach 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates timely reinvestigations to protect consumer rights.

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 2024-11-07 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: NY

Complaint narrative:
Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Transunion any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX Account Number : XXXX XXXX. XXXX Account 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 2024-11-07 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: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 information is inaccurate.

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