vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: MA

Complaint narrative:
in early XXXX i contacted experian credit to remove a charge off because it had been ove XXXX years.in fact the company never proved it was even mine .the charged off account was deleted XXXX XXXX XXXX was told by the women at experian that my score should rise. in the coming days with no major changes ( no balance increases, alot of inquires.in fact obly positive occurences to do with trade lines to my report the fico score dipped XXXX separate times by a total of XXXX points. i requested information on a 2nd call last week .the rep refered me to FICO .called fico and they told me we gave been getting calls her on the advice of experian and they dont belong with fico but experian.so i called back experian numerous times, very difficult to get a represenative .i was promised a call last friday morning between XXXX XXXX central time.they picked the time.i got a call back at nite and missed it by a XXXX at XXXX called back and was advised XXXX would call yesterday between XXXX XXXX guess what... no call. i called tonite spoke with reney and experain has no record of my case!!! requested someone qualified to answer my question .theystated no one with credit credentials?? i responded your one of the 4 major credit agencies and this can not be escalated and nor do u have anyone on site credit qualified?? .i was denied escalation.i feel that my score is lower than should be and general explanations dont cut it XXXX am XXXX but well versed .i demanded be escalated and was met with general denial oe assistance by a lady named XXXX .this outrageous.this is a viplation of 93a it should not be a trade secret the exact details whats happening with my information!! i eas told even though the charged off account was negative it was still a trade line and can hurt a score. i said this is a catch 22 and is wrong

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 2024-11-27 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-11-27 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-11-27 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: 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 1

5 USC 1681. 15 u.s.c 1681 section 602 a the right to privacy act united states 15 u.s.c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my 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 15 usc 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer 15 usc 1681s 2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate 15 usc 6802 ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED ONLINE INFORMATION SER ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$1300.00} Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX  XXXX Reference # : XXXX XXXX XXXX XXXX XXXX BALANCED {$1100.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.

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 2024-11-27 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: OH

Complaint narrative:
I am writing to dispute the late payment entries on my credit report as per the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), specifically referencing 15 U.S. Code 1666 ( b ) concerning billing errors.

Upon reviewing my credit report, I discovered discrepancies related to the reporting of late payments, which appear to be in violation of 15 U.S. Code 1666 ( b ) and 15 USC 1637 a ( a ). These errors include the failure of the creditor to accurately reflect payments made by me or credit issued to me within the stipulated time frame. Additionally, there are apparent computation errors or similar accounting errors made by the creditor on the statements provided.

It is imperative to note that I did not receive a statement from the creditor at least 21 days before the due date as required by law. Therefore, any reported late payments are unfounded and constitute a billing error. 

I hereby demand that the creditor provides substantial evidence from their records that validates the alleged late payments. It is essential for me to be furnished with concrete proof that payments were not received within the agreed-upon time frame, as failure to do so would confirm the presence of a billing error. 

The erroneous late payment entries listed below must be promptly updated to accurately reflect my payment history : 1. Account Name : XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: NC

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$140.00} XXXX  XXXX XXXX Balance : {$620.00} XXXX  XXXX Balance : {$4200.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX  XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX online banking Was having issues as it had in the past transfers were made from external account not knowing that the funds that I was transferring, were not there it seems fraudulent on Vystar part because I never received a call from the fraud department or anything when I spoke to someone member services they asked me where the money come from. I thought it was my deposit they said it was. Ive already got my deposit. theres been a discrepancy in my online baking for years. Ive been a member with them. They told me I could no longer be a member, which is wrong to me as a consumer and a member of Vystar credit union I still pay loans for my car. Im supposed to be a valued member, not being able to access my online banking and transferring money and them giving it to me was not at all fraudulent on my end but theyre in and theyre online app developer that has not fix the bugs in the online banking app is frustrating and there was a time in XXXX I could not access my account for 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 explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One. Dear XXXX, I am writing to formally demand that you cease and desist all communication with me regarding the alleged debt referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by the law ( such as notification of legal action or final settlement ), will be considered a violation of the federal law, and I will take all necessary legal action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.

As in Cushman v XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I had recently open a complained in regards to this company and they just checked it off as a duplicate and didn't acknowledge it. Please refer to Case # XXXX. I need resolution to this case. This isn't a duplicate case. This hasn't been addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED ONLINE INFORMATION SER ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$1300.00} Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX  XXXX Reference # : XXXX XXXX XXXX XXXX XXXX BALANCED {$1100.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: OH

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries appearing on my credit report. As a victim of a data breach, I did not authorize these accounts or inquiries. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal. 
Fraudulent Accounts to Be Blocked and Deleted XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$12000.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4500.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$6000.00} Unauthorized Inquiries to Be Blocked and Deleted 1. XXXX XXXX  ( Inquiry Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX. XXXX XXXX ( Inquiry Date : XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: OH

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries appearing on my credit report. As a victim of a data breach, I did not authorize these accounts or inquiries. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal. 
Fraudulent Accounts to Be Blocked and Deleted XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$12000.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4500.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$6000.00} Unauthorized Inquiries to Be Blocked and Deleted 1. XXXX XXXX  ( Inquiry Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX. XXXX XXXX ( Inquiry Date : XX/XX/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 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX Received a message this morning from chase indicating chase freedom credit card pmt is late ;. Im thinking not possible bc I know I had auto pay set up to come out on the XXXX for XXXX in which was debited that day from my chase ckg act- and showed the same balance of XXXX in which made no sense to me and I thought maybe show up tomorrow to update. I got a call this morning XXXX something from someone from chase from an unidentified number XXXX XXXX, he asked for a XXXX XXXX XXXX, I said who is this? He says Chase. I said I have no idea who you are, how do I know if this is truly chase? He speaks broken English and expects me to confirm and verify my personal information ... .is this a joke? I said this is XXXX XXXX not XXXX XXXX XXXX. He says you delinquent on your act, I said if u think you can resolve this in 4 min or call me back at XXXX cst, bc i WAS WORKING. he said Ill call back. Well he didnt call back, I called chase freedom at XXXX and spoke with a XXXX  and could barely understand her broken English as well, while she's accusing me of non pay and threats of collection act for a XXXX payment that they misapplied or failed auto pay is their fault as the XXXX was in my account, she claims the XXXX was coming out of a closed act and I need to fix this,,, this is Chases fault and they need to fit it, first of all its an auto pay from my Chase ckg, so if they're debiting XXXX from an old act they need to correct it, I cant do it and to threaten me to collection and close act is unfair, first of all I opened this act XXXX yrs ago and NEVER 1 late pmt and because they cant fix these issues on their side is not my fault, I have spent hours trying to resolve this including last mon the same issue-with their foreign cust reps they dont understand up from down, its frustrating and wasting my valuable time as this is unacceptable and unfair treatment. How many times do i have to call to resolve and its disregarded and noted incorrectly, the threats are the worst as if they never received a late pay and treat me like Im some criminal from the fraud dept- when its the staffs incompetence and unprofessionalism, but placing my act in collections. As u can see the act shows current but verbally delinquent. The funds were in my act on the due date as I can not stop the auto pay if I want to, I couldn't even go thru the system to make a manual pmt early bc Chase had it set up that way. I m sick and tired of the threats and the false abuse of a delinquent or non pay.

Company response to consumer: Closed with explanation