vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I recently traveled on a vacation to XXXX and noticed several repeated charges on my credit card that I did not make in the amounts of {$120.00}, {$120.00}, and {$120.00} from some computer company as it was listed from XXXX XXXX payments the dates were XX/XX/XXXX, XXXX and XXXX XXXX  respectively. Once I reviewed my statement I immediately reported these transactions as fraud. I was shocked and upset to find out that Chase denied my claim. I chose the Chase XXXX card to have a sense of security when traveling and making purchases abroad and I feel that Chase did not do any due diligence when investigating my claim. I then reached out to this XXXX  processor myself and obtained receipts for these fraudulent purchases and discovered the dates and times and location of these purchases. I never was anywhere near where these fraudulent purchases were made and the signature used was not my signature. I forwarded Chase airline tickets, hotel accommodations and even an ATM withdrawal receipt proving my whereabouts ( no where near the location listed on the receipts I obtained from XXXX  ) ..Chase continues to say Im responsible and benefited for these fraudulent charges. I am livid. I pay a hefty annual fee for this travel card and cant believe how Ive been treated by Chase, all they provide is a XXXX or XXXX sentence response claiming I made these purchases when I 100 % did not. Its impossible to talk to anyone who is actually investigating these claims. When I call the person says not even they talk directly to these investigators. The customer service is horrible and I feel like I wasnt respected and was being called a liar. Its really what they are saying, calling their customer a liar. All they do is deny claims and stiff the consumers as it appears. I will no longer be doing business with Chase if this isnt made right. I will try my luck with XXXX XXXX for my travel card needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX  Balance : {$230.00} XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I Disputed fraudulent inquiries with credit bureaus XXXX And Equifax and attached all required forms for dispute, i received letter at home saying that they dont believe that dispute opened by me, i called multiple times and verified that the dispute were opened by me and they didnt remove it. Please request them to remove this fraudulent inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: TX

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 2024-08-16 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: MD

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. 
Account name : :, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, and Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX has violated my rights. 
XXXX  15 U.S.C. 1681 Section 602 A, states I h the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 years.

XXXX  15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall nor furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the etc.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the presence of certain inaccuracies. The following item ( s ) require correction : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 3. The following personal information is incorrect Employers : XXXX In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you will verify these items with the relevant creditor. Any unverifiable information should be promptly deleted. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are obliged to complete this reinvestigation within 30 days of receiving this letter.

Kindly send an updated copy of my credit report to the aforementioned address. The act stipulates that no fee should be imposed for this updated report. Additionally, I kindly request that you notify any parties who have received my credit report within the last six months of the necessary corrections.

Thank you for your attention and assistance in resolving this matter. 
Yours faithfully, 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 2024-08-16 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: TX

Complaint narrative:
Experian is defying the laws of the Fair Credit Reporting Act. Experian has reinserted an account that was previously deleted, but has failed to obtain a Certification of Accuracy of Information from XXXX XXXX XXXX XXXX. The Fair Credit Reporting Act 611 - 15 U.S.C. 1681i ( 5 ) ( B ) states information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information provides a Certification of Accuracy of Information. I have requested Experian to provide mail me the Certification of Accuracy of Information that was obtained from XXXX XXXX XXXX XXXX to reinsert that account information, but Experian has failed to do so. I requested Experian to delete the account if Experian is unable to provide me with the Certification of Accuracy of Information and follow the Fair Credit Reporting Act 611 - 15 U.S.C. 1681i ( 5 ) ( C ) to prevent the reappearance of this account, but Experian has failed to do so. These requests can be found in the letter attached to this complaint that was mailed to Experian along with supporting documents. Experian updated the account further reassuring that Experian did not obtain a Certification of Accuracy of Information from XXXX XXXX XXXX XXXX to reinsert that account onto my credit report. CFPB, please hold Experian accountable for breaking the laws of the Fair Credit Reporting Act. I will be filing a lawsuit against Experian.

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 2024-08-16 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: MD

Complaint narrative:
Subject : Request for Assistance in Removing Unauthorized Credit Account, Address, and Inquiry Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to bring to your attention an issue regarding unauthorized entries on my credit reports. Specifically : Unauthorized Address : An address, XXXX XXXX XXXX, XXXX, MD XXXX, has been added to my records without my consent. This address is not associated with me, and I request its immediate removal from my records. 

Unauthorized Account : An account under the name " XXXX XXXX, '' with an address at XXXX XXXX XXXX, XXXX, MN XXXX, and the account number ending in XXXX, was opened on XX/XX/XXXX. The account is listed as a secured card with the following details : Status : Paid, Closed Status Updated : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Highest Balance : {$4200.00} This account is not mine, yet it has been on my credit report for over seven years. It is negatively impacting my ability to obtain a mortgage loan and is lowering my credit score. Despite my numerous requests to Experian to remove this account, including over 30 requests in the past six years, Experian has refused to do so. I have also requested proof that this account belongs to me, specifically a signed application from XXXXXXXX XXXX  but Experian has not provided this. I request its immediate removal from my credit reports. 

Unauthorized Inquiry : An inquiry from " XXXX XXXX, '' dated XX/XX/XXXX, was not requested by me. The details of the inquiry are as follows : Business Type : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX This inquiry is scheduled to remain on my record until XX/XX/XXXX. 
I request that this unauthorized inquiry be removed from my credit report immediately. 

I appreciate your prompt attention to these matters and your assistance in ensuring that my credit reports are accurate and free from unauthorized activities.

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 2024-08-16 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: OH

Complaint narrative:
I want to bring to the Attention of CFPB and FCRA that I've sent Equifax XXXX documents on XX/XX/2024 through XXXX mail. the documents were numerous, disputes. Personal information, accounts disputes, and a duplicate account. 
the accounts in question are : XXXX. XXXX XXXX XXXX XXXX in the amount of {$460.00} XXXX. XXXX XXXX in the amount of {$0.00} XXXX XXXX in the amount of {$830.00} XXXX. XXXX XXXX in the amount of {$120.00} XXXX. XXXX XXXX in the amount of {$6000.00} XXXX. XXXX XXXX XXXX in the amount of XXXXXXXX XXXX XXXX XXXXXXXX in the amount of {$120.00} XXXX. XXXX XXXX in the amount of {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX in the amount of {$530.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX the amount of {$850.00} Equifax has XXXX to comply with the FCRA 15 U.S.C 1681 of a fair and accurate credit report and has failed to investigate my disputes properly.

A picture of the Certified mail receipt and a Signature card is downloaded on the CFPB attached document site Driver License and SS card, along with a copy of the disputes that is in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: TX

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 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 2024-08-16 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: IN

Complaint narrative:
My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX Balance : {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: WA

Complaint narrative:
XXXX XXXX XXXX  XXXX, under the leadership of its CEO, XXXX XXXX, shared a consumers personally identifiable financial information without the consumer 's authorization. This action deprived the consumer of the right to exercise nondisclosure options, constituting a potential case of aggravated identity theft.

1. 15 U.S. Code 6801 ( Protection of nonpublic personal information ) mandates that financial institutions protect the confidentiality of their customers ' nonpublic personal information.

2. 15 U.S. Code 6802 ( Obligations with respect to disclosures of personal information ) requires financial institutions to provide customers with notice and the opportunity to opt out before sharing their personal information with non-affiliated third parties.

3. 18 U.S. Code 1028A ( Aggravated identity theft ) imposes penalties for knowingly transferring, possessing, or using another person 's identification information without lawful authority.

4. 15 U.S. Code 1681a ( 2 ) ( i ) specifies that experiences between the consumer and the person making the report are excluded from the consumer report unless consent has been given.

In this case, XXXX XXXX XXXX XXXX  is sharing the consumers personally identifiable financial information, including full name, Social Security number, account numbers, and transaction history, with non-affiliated parties XXXX XXXX, TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without obtaining the consumer 's explicit consent. This sharing of information occurred without providing the consumer with the required notice or an opportunity to opt out, as stipulated under 15 U.S. Code 6802.

The absence of an opt-out option and failure to notify the consumer is a breach of the protection rules outlined in 15 U.S. Code 6801 and 6802. Furthermore, the unauthorized dissemination of the consumers personal information may fall under aggravated identity theft, as defined in 18 U.S. Code 1028A, given the potential misuse of the consumer 's identity information without lawful authority.

Additionally, the consumer 's interactions and experiences with XXXX XXXX XXXX XXXX, if shared without consent, contravene the provisions of 15 U.S. Code 1681a ( 2 ) ( i ), which excludes such experiences from consumer reports unless explicitly authorized.

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