vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 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: FL

Complaint narrative:
I reviewed my consumer credit report, and this my 2nd time filing my complain to your agency and the problem on inaccurate reporting is still existing to 3 bureaus. I have consistently disputed the inaccuracies in the following information with XXXX, Experian, and XXXX ; however, regrettably, the matter remains unresolved to this day. 

1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account XXXX : XXXX Please ensure that all information is accurate 3. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
4. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

1. The following personal information is incorrect Name : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/2021 XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account Number : XXXX Please ensure that all information is accurate 4. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX 3. The following personal information is incorrect Employers : XXXX XXXX 4. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account Number : XXXX Please ensure that all information is accurate 5. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in their handling of my credit report. 

The specific issues are related to two accounts : XXXX ( Account XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX ( Account XXXX XXXX XXXX ). Experian has repeatedly verified inaccurate information on these accounts, despite my disputes and requests for a thorough investigation. 

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX This account shows multiple charge-offs, which is factually impossible and misleading. This indicates a failure in Experian 's investigation process, causing me undue financial harm. 
XXXX Account XXXX XXXXXXXX : This account is inaccurately reported as both " Paid in settlement '' and as a " Charge-off, '' which is contradictory. This suggests a lack of proper review and verification by Experian. 
Despite my repeated attempts to resolve these issues directly with Experian, they have failed to provide adequate responses or rectify the inaccuracies. This not only violates the FCRA but also significantly impacts my financial standing and creditworthiness. 

I request the CFPB 's intervention to ensure a proper and fair resolution. Experian must be held accountable for their actions, and I seek the removal of these inaccuracies from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: NJ

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
THIS ACCOUNT IS REPORTING NEGATIVELY AS A REPOSSESION ON MY CREDIT REPORT DESPITE NOT HAVING ANY HISTORICAL DATA AT ALL. THIS IS CLEARLY INACCURATE REPORTING.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase notified me by letter on XX/XX/2023 that it was closing my Checking, Savings, and two credit card accounts. The accounts closed on XX/XX/2023. 
I understand the reason they closed ( there was an unfortunate instance where my accounts were compromised. Chase resolved this at the time by re-papering my accounts and they were able to stop hackers from using my personal data to open fraudulent accounts ). I have no issue with this. 

In the letter, Chase outlined very specific action steps to take before XX/XX/XXXX. 
My complaint is they never listed that they would not allow me to electronically download my Statements. 
I have a lot of activity and I need to download activity electronically into XXXX XXXX. I work for a XXXXr and we offer access to electronic statements for up to 2 years after an account is closed. 
I made a formal complaint with the branch. Chase did provide me with printed statements but the need is for electronic access to PDFs or XXXX. 
Please ask Chase to be more specific in their formal letters to clients when they act to close a client 's account. To be specific about not having electronic statements when notifying clients about their account closure. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
on XX/XX/XXXX, I file a petition. For XXXX XXXX bankruptcy in case # XXXX in the XXXX XXXX of Illinois on XX/XX/XXXX I receive an order of XXXX XXXX  discharge. I notice that fifth Third bank was reporting a balance of {$330.00} account # XXXX after the filing of the XXXX XXXX and the discharge order I disputed the account with XXXX a few times. And every time I was inform that fifth third banks account was verified with the balance of {$330.00} I also requested the method of verification from XXXX XXXX XXXX please letters of dispute dated XXXX XXXX & XXXX. XXXX fifth Third bank was notice in the XXXX XXXX filing on XX/XX/XXXX with a certificate of notice. Please see all the documents with the complaint XXXX and fifth third bank are in violation of the Fair Credit Reporting Act 15 U.S.C 1681 I ( A ) and Fifth Third bank 15 U.S, C 1681 S 2 ( B ) in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX ) The Court ( noted as a general matter that discharge means that the debt even if unenforceable will not remain on the credit report? XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX please case law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear CFPB, I used the Chase online wire payment to send in my escrow payment in XXXX XXXX, XXXX. The escrow company provided the XXXX and account numbers to their XXXX XXXX XXXX escrow accounts. When I typed in the provided XXXX code, Chase 's website automatically accepted and updated the routing number to XXXX XXXX  XXXX routing number. As I continued to type the account number, the system didn't tell me they had converted my XXXX code. I didn't understand the conversion it used and switched to a different XXXX XXXX XXXXXXXX routing number in XXXX. Unsuspectedly, I sent out the wired payment of {$10000.00} USD using the incorrectly converted routing number by Chase on XX/XX/2023 at XXXX XXXX XXXX. Chase did not eject the transaction nor notify me of the conversion. At XXXX XXXX XXXX on XX/XX/2023, I confirmed with the escrow company that they didn't receive the wired money. I went to the Chase Bank branch in XXXXXXXX XXXX. They asked me to call the Chase Wire tracking team and report the issue. I did open the case and asked for the wire to be recalled. They only said they couldn't guarantee the recall of my wife, and I would need to wait until XX/XX/2023 to find out. I didn't have any other choice except I had to agree with their term. My wife and I called back at a later time, but the Chase rep just repeatedly said that they couldn't help us and that we had to wait until the receiving bank did their investigation. My Chase case number is JPM-XXXX My wife and I appreciate help from CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: NY

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: AR

Complaint narrative:
I am writing to formally file a complaint regarding the persistent and unsuccessful attempts to remove an unknown inquiry from my credit file. Despite multiple efforts to address this matter, the inquiry remains unresolved, causing unwarranted damage to my credit profile and financial standing.

There is an unauthorized inquiry on my credit report that I have been attempting to dispute. I have made several attempts to have this inquiry removed, providing supporting documentation to confirm its unauthorized nature.

Despite my repeated attempts to resolve this issue by following the established dispute procedures, the unknown inquiry persists on my credit report. Previous dispute requests have not resulted in a satisfactory resolution.

The presence of this unknown inquiry is negatively impacting my creditworthiness, affecting my ability to obtain credit and secure favorable interest rates. This situation is causing unnecessary stress and financial difficulty.

I request that you conduct a thorough and expedited investigation into the unknown inquiry on my credit file. Attached are copies of the supporting documentation that confirm the unauthorized nature of this inquiry.

Additionally, I insist on clear and timely communication throughout the resolution process, and I expect a written confirmation once the investigation is complete. It is crucial for me to receive assurance that this unknown inquiry will be promptly and permanently removed from my credit history.

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove this fraudulent item in my credit file : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-12-21 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:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2023-12-21 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 reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have examined my consumer credit report, and this marks my second complaint to your agency. Unfortunately, the issue of inaccurate reporting persists across all three bureaus. Despite my consistent efforts to dispute the inaccuracies with XXXX, XXXX, and TransUnion, the matter remains unresolved to this day. 

1. The following personal information is incorrect Former : XXXX XXXX XXXX 2. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX 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 2023-12-21 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:
I have examined my consumer credit report, and this marks my second complaint to your agency. Unfortunately, the issue of inaccurate reporting persists across all three bureaus. Despite my consistent efforts to dispute the inaccuracies with XXXX, Experian, and XXXX, the matter remains unresolved to this day. 

1. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX 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 2023-12-21 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: NJ

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: NJ

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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

Company response to consumer: Closed with explanation