vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 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:
Subject : Request for Removal of Negative Item Due to XXXX Hardship Dear [ Credit Bureau Name ] Dispute Department XXXX XXXX am writing to request the removal of a negative item from my credit report due to financial hardship caused by the XXXX pandemic. The unprecedented circumstances of the pandemic have significantly impacted my financial situation, and I am seeking your understanding and assistance in rectifying this issue. The XXXX pandemic has been a challenging time for many, and I appreciate your consideration in this matter. The removal of this negative item will greatly aid in my financial recovery and allow me to continue rebuilding my credit. 
Thank you for your understanding and prompt attention to this request

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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:
Subject : Request for Removal of Negative Item Due to XXXX Hardship Dear [ Credit Bureau Name ] Dispute Department , I am writing to request the removal of a negative item from my credit report due to financial hardship caused by the XXXX pandemic. The unprecedented circumstances of the pandemic have significantly impacted my financial situation, and I am seeking your understanding and assistance in rectifying this issue. The XXXX pandemic has been a challenging time for many, and I appreciate your consideration in this matter. The removal of this negative item will greatly aid in my financial recovery and allow me to continue rebuilding my credit. 
Thank you for your understanding and prompt attention to this request

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 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On late XX/XX/XXXX early XX/XX/XXXX I was a victim of debit card fraud. 
Someone illegally used my debit card to make several purchases to company called XXXX. The amounts were {$1200.00}, {$1400.00}, {$1600.00} & {$1500.00}. I immediately reported this to my bank Chase on XX/XX/XXXX at XXXX. 
Chase closed my debit card and said they would investigate. Then on Saturday XX/XX/XXXX chase allowed another transaction in the amount of {$1200.00} to process through my closed debit card. They said oh it was your digital wallet { I still have no idea what a digital wallet is } That charge was refunded a few days later. 
However, after giving them two weeks I contacted Chase XXXX Department again on Friday XX/XX/XXXX at XXXX ; after over an hour of being on the phone with me they said that they could not prove fraud and that I would have to give them proof that I did not make the charges. I have over 25 years of history with chase showing that 99 % of the time I only charge my debit chard {$200.00} or less. The only time the amounts are higher are for plane tickets purchased in XXXX and my daughters tuition. { I always called chase prior so they would know I was charging a higher amount than normal } Chase representative then said here is the company phone number that the charges were made and said I would have to contact them. As of Monday XX/XX/XXXX I have now spoken to the fraud department twice at this XXXX company and for the second time have said they will get back to me in XXXX hours. 
This is an absolute disgrace that I am fighting to get the stolen {$5800.00} from my account and that Chase just brushed this off. In addition I had a {$120.00} alert so chase is supposed to notify me of any transaction over this amount. They failed me on multiple levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: CA

Complaint narrative:
To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX  - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!

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 2024-07-22 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Despite my multiple attempts to dispute these items with Equifax and provide supporting documentation dated XXXX XXXX, such as evidence and police reports, the issues have not been resolved. Additionally, I am being sued for debts I no longer owe. Debt collectors are selling my debt, leading to multiple lawsuits against me. I request that these items be investigated and corrected as soon as possible.

Please provide me with a written statement detailing the results of your investigation and any changes that are made to my credit report. Belon is an attached copy of my report for your reference. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''

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 2024-07-22 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:
Subject : Dispute of Inaccurate Information Due to Data Breach Dear Dispute Department, I am writing to formally dispute inaccuracies on my credit report that I believe are a result of the recent data breach involving XXXX. The information below outlines the items I am disputing and provides evidence to support my claim that these entries are erroneous. 
I have taken the necessary steps to report these fraudulent activities, including filing an identity theft report with the Federal Trade Commission and submitting a police report. Copies of these documents are enclosed for your reference. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent items be investigated and removed from my credit report promptly. Please send me written confirmation once these items have been addressed and corrected.

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 2024-07-22 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: NY

Complaint narrative:
Subject : Dispute of Inaccurate Information Due to Data Breach Dear Dispute Department, I am writing to formally dispute inaccuracies on my credit report that I believe are a result of the recent data breach involving XXXX. The information below outlines the items I am disputing and provides evidence to support my claim that these entries are erroneous. 
I have taken the necessary steps to report these fraudulent activities, including filing an identity theft report with the Federal Trade Commission and submitting a police report. Copies of these documents are enclosed for your reference. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent items be investigated and removed from my credit report promptly. Please send me written confirmation once these items have been addressed and corrected.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is very upsetting, I found out that my credit report contains inaccurate and incomplete information. My requests in correcting this information keeps getting ignored and my life and credit score is negatively affected.

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 2024-07-22 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: PA

Complaint narrative:
I am writing to follow up on my previous dispute regarding several unapproved and unverified negative items on my credit report. Despite my efforts to resolve these issues, these entries remain, causing significant distress and affecting my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: PA

Complaint narrative:
I am writing to follow up on my previous dispute regarding several unapproved and unverified negative items on my credit report. Despite my efforts to resolve these issues, these entries remain, causing significant distress and affecting my creditworthiness.

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 2024-07-22 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
one of my customers legally signed over a check to me as a form of payment in the amount of ( {$29000.00} ). chase accepted the check but is now unwilling to release the funds. chase requested the phone number of the customer so they can verify the check, and i obliged with chase 's request but they are claiming that they cant use the phone number i provided. however the phone number i provided is the ONLY phone number that the customer has. so i would like for chase to provide alternatives on how we get this issue resolved because my customer only has one phone number and chase is refusing to use the phone number that was given

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: FL

Complaint narrative:
To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. XXXX! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!

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 2024-07-22 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: LA

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-07-22 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: SC

Complaint narrative:
I kindly request that you block this information from my credit report within four business days, pursuant to section 605 if the Fair Credit Reporting Act. I have given you my identification as well as information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I have also attached copies of my id.

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 2024-07-22 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account XXXX XXXX # XXXX is not reporting accurately. The account shows XXXX late payment and in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments, the account was not Late on XXXX or XX/XX/scrub>XXXX  2023. I'm now requesting you investigate this account and update these payments to paid on time immediately .Thank you for your understanding and prompt action.

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 2024-07-22 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:
This is very upsetting, I found out that my credit report contains inaccurate and incomplete information. My requests in correcting this information keeps getting ignored and my life and credit score is negatively affected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: FL

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

Company response to consumer: Closed with non-monetary relief