vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>XXXX  I had noticed that my XXXX email account had been changed ( see image below ) I ran a full virus scan on my PC and found no viruses so I just assumed they got my password ( which was different from my chase/email password ) from somewhere, after this I contacted XXXX  and attempted to recover my account Suspect ip address XXXX On XX/XX/year>XXXX  I was checking my banking application and noticed that there were 2 transfers from my checking account that I did not notice. I immediately called Chase and was connected to the fraud department where I was informed that one of these transactions could be canceled as it was still pending but the other transaction ( XXXX $ ) would need to be disputed. I was also informed that my email was compromised as the attacker had used all my credit card reward points to buy XXXX gift cards ( I do not even open a single XXXX  product ) The person who assisted me informed me that these transfers were made to a XXXX  account and this is when I had discovered the attacker was sending all mail from chase/XXXX  directly to spam so I wouldn't notice any of this. During this call I reset all my XXXX  passwords as well as set up stronger XXXX. I unfortunately can not provide IP login history from XXXX  as it does not show history longer than 1 week. However I do remember the ip address belonging in XXXX  XXXX XXXX All emails that were put into the special folder marked ( spam ) so I wouldn't notice it At this point I had also realized that the attacker created a XXXX XXXX  XXXX   account and when I contacted them they said the account had already been disabled so I was unable to gleam any information from them I noticed that the attacker had created a XXXX  account using my name and email and I sent XXXX  an email requesting that my account be deleted as it was created without my consent ( note the attacker likely deleted any account creation emails as they are no longer present on my inbox/spam and there is no way to recover deleted emails ) On XX/XX/XXXX i was notified that my claim was once again rejected, so i filed a complaint with the XXXX, as well as with the CFPBas well as filing a police report with the local police department in XXXX XXXX CA and the fbi cyber crime website Police report XXXX XXXX XXXXXXXX XXXX XXXX Police Department Report XXXX XXXX XXXX Your IC3 Complaint ( FBI cybercrime report ) XXXX ID : XXXX Date Filed : XX/XX/year> XXXXXXXX XXXX EST

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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 2024-11-14 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Date : XX/XX/year>XXXX  To : Credit Bureaus Re : Dispute of Late Payments on Account # [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Dear Sir/Madam, I am writing to dispute the late payment ( s ) reported on my credit file under the account referenced above. After reviewing my credit report, I have reason to believe that the reporting of these late payments is inaccurate, incomplete, or unverifiable. 

In accordance with Section 609 and Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter thoroughly. Under Section 609 ( a ) ( 1 ) ( A ), I am entitled to receive a full disclosure of the information being reported and its sources. Furthermore, as per Section 611 ( a ), if this information can not be verified within the required timeframe, you are obligated to remove or correct it. 

Additionally, under the Truth in Lending Act ( TILA ), creditors must properly disclose information, and I believe there may be discrepancies in the manner these payments were reported. I demand the immediate investigation of this matter and request documentation that substantiates these late payments. If you can not provide such documentation, the inaccurate information must be deleted from my credit file in accordance with the law. 

I expect this matter to be resolved within 30 days, as stipulated by the FCRA. 

Thank you for your attention to this important matter. 

Sincerely, 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 2024-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I moved out of an apartment at the end XXXX of 2023. A few months later I recieved a notice from the debt collector I. C. System. They claimed that I owed an electric bill which was charged for the month after I had moved out of the apartment. After noticing a negative credit report due to the claim I sent a debt validation letter to I. C. Systems, in which they ignored the information requested in my letter and just sent me a photocopy of the bill in which I was no longer a resident at said apartment. Also the copy of the original bill skips from page 1 of 3 to 3 of 3.

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 2024-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report IMMEDIATELY. 
The date of last activity is incorrect/inconsistent, date of last payment is incomplete, and monthly payment is incomplete/inaccurate amongst all 3 Credit Bureaus as of XX/XX/XXXXXXXX  after supposedly being updated and verified XX/XX/XXXXXXXX  EXPERIAN REPORT NUMBER : XXXX I disputed this account previously and nothing was ever sent to me legally to verify this account electronically or by mail. 

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required topromptly DELETE all information which can not be verified. 


Additionally, Under code 15 USC 6802- I HAVE NOT BEEN PROVIDED ANY DISCLOSURE FORMS TO VERIFY WHETHER I AGREED TO HAVE MY INFORMATION DISCLOSED TO A 3RD PARTY COMPANY, NO CLEAR EXPLANATION TO OPT OUT OF HAVING THIS INFORMATION REPORTED, AND NO DISCLOSURE FORM RECEIVED TO SHOW ME HOW TO EXERCISE MY RIGHTS OF OPTING OUT ( IN WRITING OR ELECTRONIC FORM ). 

THIS CONTRACT SHOULD BE VOIDED DUE TO THE STATUS OF IT BEING DECEPTIVE AND MISLEADING. If you fail to honor my request and discriminate against me for exercising my rights, that would be another violation under the Law 15 USC 1681a3. 
CFPB COMPLAINT # : 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 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I identified several inaccurate items in my credit report that required immediate attention and correction. I followed the proper steps that I found online which is to send my disputes in writing to XXXX and Experian. I have done this at least 3 times within the last 6 months and have not received any response. I have also tried to submit this information online but am blocked from submitting my dispute online. As of today XX/XX/year>, I have not received any response from XXXX or Experian regarding their investigations into the provisions of 15 U.S. Code 1681 ( unfair credit reporting that may affect my credit standing, credit capacity, character, general reputation, and personal characteristics ).

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

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. 

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 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 15 USC 1681 Section 602 A States : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c Section ( a ) ( 5 ) States : No consumer reporting agency may make any consumer report containing the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I don't understand how " companies '' like XXXX, Equifax and XXXX handle our financial, it doesn't matter how many good transitions hit you credit report you loose points, Equifax on XX/XX/XXXX my mortgage decreased by {$34.00} I lose XXXX points, on XX/XX/XXXX I had a new credit card with a {$600.00} spending limit but instead of getting points I dropped another XXXX points and got forbid I spend {$1.00} extra from last months I lose another XXXX points. this is insane even to get a new job they have to run your credit and some jobs won't even hire you if you don't have good credit but how can we progress if even good thing your score drop and they just want to blame it that its system generated but the damage is dome.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete information on my Equifax Credit Report. 
15 USC 1681e ( b ) Compliance and Procedures ( 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. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
I demand that the following account be validated or DELETED immediately : 1. XXXX XXXX XXXX  2. XXXX Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure to be used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666b ), as they misrepresent my creditworthiness. 

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I will escalate this matter to the CFPB, citing articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), which provide liability for willful and negligent noncompliance, respectively. These statutes allow for damages, including actual damages, attorneys fees, and possible civil penalties for failure to comply with the Act 's requirements. 

The account is XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666b ), as they misrepresent my creditworthiness. 

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I will escalate this matter to the CFPB, citing articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), which provide liability for willful and negligent noncompliance, respectively. These statutes allow for damages, including actual damages, attorneys fees, and possible civil penalties for failure to comply with the Act 's requirements. 

The account is XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: 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 non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  {$410.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief