vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-11-13 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: GA

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. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: NC

Complaint narrative:
Subject : Failure to Verify Disputed Account Request to Update to Current or Delete Description of Complaint : I am filing this complaint because Experian has failed to provide verification for a disputed account on my credit report. Despite multiple requests and more than the legally allotted time under the Fair Credit Reporting Act ( FCRA ), they have not provided documentation supporting the accuracy of this account. 

Account Details : Credit Bureau : Experian XXXX Name : XXXX Account Number : XXXX Details of the Dispute : I initially disputed this account with Experian on [ XX/XX/year> ] and followed up with additional requests for verification. As the FCRA requires credit bureaus to verify and maintain accurate and up-to-date information, I specifically requested proof of the account 's accuracy. However, Experian has not provided any documentation to verify the accuracy of this account or to demonstrate the method of verification. 

Requested Resolution : Since Experian has not provided sufficient proof within the given timeframe, I am requesting that : Experian updates the account to reflect its current status, or Deletes the account entirely from my credit report if verification can not be obtained. 
Thank you for assisting me with this matter and ensuring that Experian complies with FCRA regulations regarding accuracy and verification.

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 2024-11-13 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 am filing this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ) by Experian. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial situation. 
Complaint Details : XXXX. Failing to Ensure Maximum Possible Accuracy The FCRA requires credit bureaus and creditors to ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been handled inadequately, demonstrating a failure to meet the FCRA 's accuracy standards.

2. Inadequate Investigation and Reliance on Automated Verification Systems Under the FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus are required to conduct thorough investigations of disputed information. However, my past disputes have been met with automated responses through systems such as e-OSCAR, which do not meet the legal requirements for a full investigation. This approach neglects a comprehensive review of disputed entries, perpetuating inaccurate information on my report.

3. Failure to Comply with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate account statements and disclose essential account information to consumers. XXXX has failed to comply with TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with XXXX has compounded the inaccuracies on my credit report, further violating my rights as a consumer. XXXX. Violation of FDCPA Rules on Accuracy and Non-Deceptive Practices The FDCPA requires debt XXXX and information providers to report accurate and verifiable data. The accounts in question have been repeatedly reported incorrectly, with misleading information that has not been corrected despite my disputes, which is a violation of FDCPA protections.

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 2024-11-13 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-11-13 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if 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 2024-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This debt is not mine and they refuse to take it off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I charge XXXX Transactions to my Apple Titanium Credit Card, and notice that only with XXXX  Transactions are charges erroneously elongated, with multiple pending charges that appear to do nothing more than consume my available credit for obscene periods of time such as XXXX weeks whereas other transactions are resolved the same day, even on weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tarpon Financial Corporation
State: GA

Complaint narrative:
False payments are showing up that I never made on my credit report. I never made a payment so this is inaccurate on my credit report & it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXXXXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal 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 non-monetary relief
Consumer complaint received 2024-11-13 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: MO

Complaint narrative:
I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the US DEPARTMENT OF EDUCATION violation 's that EXPERIAN are XXXX with the accounts. Every marked/circle furnishing are violations of the Privacy Act of 1974, 15 USC 1681, 15 USC 1681e , 15 USC 1681b , 15 USC 1681n and 15 USC 1681a , 15 USC 1681c , 15 USC 6801, Family Educational Rights and Privacy Act, and 15 USC 1681s-2 each. There are well over a 100 federal consumer violations EXPERIAN is furnishing with the US DEPARTMENT OF EDUCATION accounts on my consumer report. I fully intend to pursue arbitration or litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance in reference to me being violated by the US DEPARTMENT OF EDUCATION reporting 's.

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 2024-11-13 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: GA

Complaint narrative:
I am filing a complaint against Experian due to an ongoing issue with incorrect address information on my credit report, which is likely linked to identity theft. This inaccuracy, along with other potential fraudulent information, poses a significant risk to my credit standing and has already caused confusion with creditors. 

XXXX. Nature of the XXXX Experian has reported my address with an apartment designation ( APTD ) that does not apply to my actual residence, which has no apartment number. This incorrect information appears to be part of an identity theft issue, as I have previously placed a fraud alert on my account to mitigate unauthorized activity. 

XXXX. Impact of the Inaccuracy and Identity Theft Concerns Inaccurate address information can lead to misidentification, verification issues, and potential delays in my interactions with creditors. Given that this discrepancy likely stems from identity theft, there is also a risk of further unauthorized activity associated with my identity, causing ongoing harm to my credit and personal finances. 

XXXX. Legal Basis for My Complaint Under the Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX ( b ) ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report. In addition, the FCRA mandates that credit bureaus respond appropriately to fraud alerts and take necessary steps to protect consumers affected by identity theft.

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 2024-11-13 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:
XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX RE : Final Demand with Law Verification and Cease-and-Desist Request XXXX Report Number : XXXX Date of Report : XX/XX/year> Dear Experian Dispute Department, This letter serves as a final demand regarding the ongoing dispute and request for the removal of inaccurate information reported on my XXXX credit report ( Report Number : XXXX ). I am requesting that this issue be handled without the use of e-OSCAR, and that each items accuracy is verified according to the standards set forth in the Fair Credit Reporting Act ( FCRA ) and relevant laws. 

Cease and Desist Request Please cease all reporting and communication of inaccurate information to any third-party entities until this matter is resolved. I request immediate removal of the disputed item ( XXXX ) to prevent further harm to my credit profile. 

XXXX of Dispute Result I request written confirmation of the verification process for each disputed item, along with any documentation or evidence reviewed in making the determination. Additionally, should the disputed information remain on my report, I request a clear explanation of the verification method and results, as required by law. 

Failure to comply with this demand XXXX result in further action, including reporting this issue to the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies for damages. 

Please send a formal response to this letter within XXXX business days of receipt. I appreciate your prompt attention to this 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 2024-11-13 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: GA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX RE : Final Demand with Law Verification and Cease-and-Desist Request XXXX Report Number : XXXX Date of Report : XX/XX/year> Dear Experian Dispute Department, This XXXX XXXX XXXX a final demand regarding the ongoing dispute and request for the removal of inaccurate information reported on my XXXX credit report ( Report Number : XXXX ). I am requesting that this issue be handled without the use of e-OSCAR, and that each items accuracy is verified according to the standards set forth in the Fair Credit Reporting Act ( FCRA ) and relevant laws. 

Cease and Desist Request Please cease all reporting and communication of inaccurate information to any third-party entities until this matter is resolved. I request immediate removal of the disputed item ( XXXX ) to prevent further harm to my credit profile. 

XXXX of Dispute Result I request written confirmation of the verification process for each disputed item, along with any documentation or evidence reviewed in making the determination. Additionally, should the disputed information remain on my report, I request a clear explanation of the verification method and results, as required by law. 

Failure to comply with this demand XXXX result in further action, including reporting this issue to the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies for damages. 

Please send a formal response to this letter within XXXX business days of receipt. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: LA

Complaint narrative:
Requested a debt validation from Jefferson capital systems multiple times and they did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/year> I sent {$450.00} through Zelle to a person in XXXX for a product and they never sent it to me. I tried contacting them several times since then but they will not respond

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear CPFB, I am writing to express my extreme dissatisfaction with the recent actions taken by Chase Bank regarding my business account. On XX/XX/XXXX, I discovered that restrictions had been placed on my account without my knowledge on XX/XX/XXXX. As a result, multiple automatic clearing house ( ACH ) vendor payments, including payroll for my staff and a significant accounts receivable payment from my customer, XXXX XXXX, were rejected. This has caused considerable financial hardship for my company. 

I was not informed of this restriction until after the fact. I have visited the XXXX, XXXX  branch on XXXX XXXX several times over the past month. The warning to sign an updated Attestation of Ownership form, which caused the restriction, could have been brought to my attention at either of those visits. 

Adding insult to injury, I visited the same XXXX, XXXX XXXX to clear the restriction but could not get any help after spending over an hour there. I was told by the branch XXXX that my account was being closed and to call the XXXX XXXX. She also said that the situation has escalated beyond her level so they could not do anything else. While still in the branch, I did call the Compliance Department and told the branch XXXX that I needed to sign the Attestation of Ownership form, but to no avail. I had XXXX XXXX to the XXXX XXXX, California branch for proper assistance. 

The following automatic clearing house ( ACH ) debits were rejected : XXXX XXXX XXXX XXXX XXXXayroll Taxes : {$1700.00}, XXXX XXXX : {$380.00}, EXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$400.00}. 

The following automatic clearing house ( ACH ) credit was rejected : XXXX XXXX Accounts XXXX : {$31000.00}. 

This incident follows a previous issue in XXXX where my business line of credit was reduced by {$96000.00}. While inconvenient, the current situation is far more severe, as it is negatively impacting my relationships with both vendors and customers. This is embarrassing and makes my business appear to be unstable and risky, which can be a huge concern to my business relationships. 

The actions taken by Chase Bank have the potential to cause long-term financial damage to my business. I am deeply concerned about the possible loss of vendor credit and customer relationships. Due to the severity of these consequences, I am contemplating legal action to address the detrimental effects on my business. 

I urge you to investigate this matter promptly and provide a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
I have submitted a dispute to you and i didn't get a response within 30 days and ya 'll are required by law to do so. Please investigates my disputes, Please. Thank you.

Company response to consumer: Closed with non-monetary relief