vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
They are posting charge offs from XXXX XXXX on my credit report monthly. 15 USC 1681 ( e ) ( b ) : the credit reporting agencies have the responsibility of reporting maximum accuracy to your credit report. They are reporting income to my credit report when they are not allowed to do so. Due to the status being a charge off, it is considered cancelled or forgiven debt by the IRS.

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 2024-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXX/XX/XXXXXXXX XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian XX/XX/XXXXXXXX XXXX, TX XXXX i I'm writing this letter to dispute certain information that is falsely listed on the my credit report referenced above. the inaccurate information that apperas on my credit repot

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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint regarding inaccurate and outdated information on my credit report, which is negatively affecting my credit score. Several accounts are listed as delinquent, charged-off, or in collections, even though they have been settled or are not reported correctly. Specifically : XXXX  XXXX XXXX Account ( Opened : XX/XX/XXXX ) : This account is incorrectly marked as charged-off, but it was settled for less than the full balance. The settlement details have not been updated. 

XXXX  XXXX XXXX Account ( Opened : XX/XX/XXXX ) : Similarly, this account is listed as charged-off despite being settled for less than the full balance. This status should be updated to reflect the settlement. 

JPMCB Card Services : This account was marked as a collection/charge-off, but it was settled for less than the full balance, and this has not been reflected on the credit report. 

XXXX XXXX Account : The credit utilization is reported as 103 %, which is inaccurate and greatly affects my credit score. The balance should be updated to reflect accurate information. 

Additionally, there are five collection accounts reported, all of which were settled or paid, yet these accounts remain in collections on my credit report. I believe this information is outdated and incorrect. 

I request that these accounts be properly updated to reflect their correct status, including settlements and paid balances. The continued reporting of these incorrect items is damaging to my credit profile and does not reflect the true status of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing this complaint regarding inaccurate and outdated information on my credit report, which is negatively affecting my credit score. Several accounts are listed as delinquent, charged-off, or in collections, even though they have been settled or are not reported correctly. Specifically : XXXX  XXXX XXXX Account ( Opened : XX/XX/XXXX ) : This account is incorrectly marked as charged-off, but it was settled for less than the full balance. The settlement details have not been updated. 

XXXX  XXXX XXXX Account ( Opened : XX/XX/XXXX ) : Similarly, this account is listed as charged-off despite being settled for less than the full balance. This status should be updated to reflect the settlement. 

XXXX XXXX XXXX  : This account was marked as a collection/charge-off, but it was settled for less than the full balance, and this has not been reflected on the credit report. 

American Express Account : The credit utilization is reported as 103 %, which is inaccurate and greatly affects my credit score. The balance should be updated to reflect accurate information. 

Additionally, there are five collection accounts reported, all of which were settled or paid, yet these accounts remain in collections on my credit report. I believe this information is outdated and incorrect. 

I request that these accounts be properly updated to reflect their correct status, including settlements and paid balances. The continued reporting of these incorrect items is damaging to my credit profile and does not reflect the true status of my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
FIT Mastercard has yet to update my account details & balance reflecting my minimum monthly payment due of {$55.00} and XXXX XXXX interest rate. I've contacted FIT Mastercard customer service department numerous times and have spoken with multiple representatives about this matter since XX/XX/2024. 
Every month when I go to make my monthly payment, my account balance as well as the minimum payment due amount is incorrect. As of today, XX/XX/2024 about XXXX, I spoke with a representative by the name of XXXX who stated that I am still being charged an interest rate of XXXX XXXX and late fees! 
XXXX stated that he does see I was enrolled and have been on a special payment program since XX/XX/2024. But he does not know why my minimum payment due & account balance has not been updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
The amount is {$980.00} I have not received a bill for the balance and now its in collections

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 2024-10-16 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 

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 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 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 non-monetary relief
Consumer complaint received 2024-10-16 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 

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 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 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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
this account not is mine, im diputed this account for 3yrs

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX BALANCE {$9400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX BALANCE {$9400.00}

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 2024-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
An small business company deposited a check for {$25000.00} from a real estate investment trust company - focusing on cloud and carrier-neutral interconnected data centers, with a market cap of {$48.00} XXXX- for program management services delivered under a standard purchase order and invoice process. The check was deposited at JPMorgan Chase Bank in XX/XX/year>, but the funds have not been credited to our account. Despite the check issuer confirming that the check cleared in XX/XX/year>, Chase has continuously delayed the release of the funds. 

Numerous escalations have been made to Chase, starting in early XXXX, including providing all requested supporting documents like : 1. XXXX escalation letters 2XXXX XXXX letter from check issuer 's Accounts Payable Manager certifying the checks legitimacy 3. Electronic endorsement confirmation of cleared check 4. Copy of deposited check 5. Copy of Purchase Order from check issuer 6. Copy of Invoice referencing the Purchase Order 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 11. Filing Receipt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

These documents were uploaded to Chase 's system by their branch representatives.

On XXXX XXXX XXXX, an escalation letter was submitted, and an analyst from the Chase XXXX XXXX XXXX XXXX informed us that further checks were required. 

On XX/XX/year>, a second escalation letter was submitted, we were informed during a visit to a Chase branch that our business checking account had been closed. At the same time, Chase mentioned that a XXXX XXXX Secretary of State Business Entity search found missing information related to the companys executives and addresses, which was now being used as a reason for withholding the funds. 

On XX/XX/XXXX, XXXX phone calls were made to the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), where the agents confirmed that the XXXX XXXX Secretary of State does not display the missing information for XXXX. Both agents recommended that Chase contact them directly at the same number for confirmation. Additionally, they referred Chase to the FAQ section of their website, which clearly outlines this policy. 

After receiving this information, we sent another email to Chase to escalate the matter once again and informed them of the results of the call with the XXXX XXXX Department of State. 

Despite multiple attempts to resolve the matter and the clear written confirmation from the check issuer, Chase has failed to provide an alternative solution or return the funds. As a small business, these delays have put us in a difficult operational and financial position. 
Chase Claim # XXXX was provided for follow-up purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

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 2024-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: LEXISNEXIS
State: MI

Complaint narrative:
I am continually being called on the telephone by your firm over this alleged debt. According to the information given to us by your firm, the date of last activity by the original creditor is LEXIS NEXIS The Statue of Limitations on this alleged debt, even should it be ours, is 5 years in the state of MICHIGAN Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. 
I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. 
Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. 
Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me. 
I ALSO NEVER HEARD OF A LEXIS NEXIS BEFORE XXXX XXXX  XXXX BEEN PASSING MY INFO TO THEM YEARS AGO WHILE I WAS XXXX I NEED ALL MY INFORMATION REMOVED FROM XXXX XXXX CEASED AND DECEASE IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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