vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account # XXXX Date : XX/XX/XXXX To Whom it May concern ( JPMCB ) It appears that these two items, below, on my credit report have been reported as a " Charge Offs '' years ago. However, I noticed you have never sent me a 1099c as a " PROFIT LOSS '' for you and for me to file with the IRS as " INCOME ''. You are reporting on my credit report that I owe a balance even you took a tax break and then you have reopened these two accounts years later which has further worsened my credit and life. 
One of the accounts is nearly ten years old. 

JPMCB CARD SERVICES XXXX {$2800.00} Date opened XX/XX/XXXX ( This is past seven years ) Pay Status - Charge-off You posted C/O Rating starting XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX and ***Charged off**** in XXXX of XXXX, thru XX/XX/XXXX, then posted X - Unknown starting in XX/XX/XXXX thru XX/XX/XXXX and started charge-off again in XXXX of XXXX. 

JPMCB CARD SERVICES XXXX {$4600.00} Date opened XX/XX/XXXX Pay Status - Charge-off You posted C/O Ratings starting 120 days XX/XX/XXXX thru XX/XX/XXXX. Then you posted a XXXX starting XX/XX/XXXX thru XX/XX/XXXX. Then reopened it by posting an " X Unknown '' in XX/XX/XXXX thru XX/XX/XXXX. Then you posted " Charge-off '' rating again in XXXX of XXXX till now. 

This is illegal with the federal government. Since you reported to the IRS as a charge-off you have the legal responsibility to delete from my account since you you financially benefited. You are using fraudulent business practices under the federal government and I will follow through to the full extent of the law if these are not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-11-19 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 previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to all bureau for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2024-11-19 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to all bureau for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: MO

Complaint narrative:
I recently disputed data that shows on my report that I submitted a FTC report and submitted and it the information was never removed. " Please see attached for dispute ''

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 2024-11-19 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 2024-11-19 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I am writing in response to your correspondence datedXXXX, regarding the debt associated with my USAA FSB consumer loan, account numberXXXX. While I appreciate your confirmation of the debt amount and other loan details, I must respectfully inform you that the response does not fulfill the validation requirements I originally requested under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. 

As per my initial request, which was sent via certified mail on XX/XX/year>, I received confirmation that you received my request on XX/XX/year>. Despite this, your response has not provided the following essential documents : The full chain of assignment and transfer of the debt, including proof of any transfer to third-party collection agencies or to a secured trust. This documentation is necessary to validate that the debt is indeed owed to the party currently attempting to collect it. 

A copy of Form 1099-C ( Cancellation of Debt ), if issued, to confirm whether any portion of the debt was forgiven or canceled. This information is vital to verify the accuracy of the debt amount. 

Additionally, I must point out that USAA has been re-aging this debt on my credit report. This practice of re-aging is a violation of the Fair Credit Reporting Act ( FCRA ) and further underscores the need for proper validation of the debt. Without the required documentation, I dispute the validity of this debt and the accuracy of the information being reported. 

As I previously stated, I am formally requesting that you cease all collection efforts on this debt until the full and complete documentation is provided. This includes reporting this debt to the credit bureaus, as the absence of the requested documentation raises significant concerns about the validity of the debt and its reporting. 

Please be advised that should these documents not be provided within 30 days, I will consider this matter unresolved and will pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies if necessary. 

I appreciate your prompt attention to this matter and look forward to receiving the full documentation as requested. Until then, I expect that all collection actions, including credit reporting, cease.

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 2024-11-19 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: MI

Complaint narrative:
I am a victim of identity theft. Fraudulent items are being reported in error on my credit report. I submitted a police report listing the fraudulent items and requested that they be blocked pursuant to the Fair Credit Reporting Act Section 605B.

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 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I charged {$950.00} XXXX XXXX XXXX  in XXXX on my CareCredit Mastercard. Financing on this amount was 0 % for 18 mos. CareCredit failed to apply the correct financing and in their attempt to correct this they have somehow charged me twice for this purchase.I have called numerous times and sent them faxes with the correct information on several different occasions. I have been trying since XXXX to get this straightened out.

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 2024-11-19 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: GA

Complaint narrative:
I noticed inaccurate information on my credit report. listed accounts needs immediate attention regarding deletion due to fraudulent activity and inaccurate information listed below. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer Dept of Education* -XXXX XXXX Opened XXXX _*Account is not mine belongs to some one else please remove XXXX XXXX XXXX XXXX ** Closed XXXX XXXX XXXX {$500.00} Charge off *** REPORTED FRAUD please remove file. 

XXXX XXXX XXXX ** Closed {$400.00} XXXX XXXX ** Charge off **** REPORTED FRAUD please remove file XXXX XXXX **Closed XX/XX/XXXX {$150.00} * Charge off *** REPORTED FRAUD please remove file XXXX XXXX  **Closed XXXX, XXXX XXXX {$200.00} * Charge Off***** REPORTED FRAUD please remove file XXXXXXXX XXXX XXXX ** Closed XXXX XXXX XXXX *** Account REPORTED FRAUD please remove file XXXX Closed ** XXXX XXXX {$120.00} *** Account not mine please remove from file XXXX  ** Closed XXXX XXXX {$520.00} *** REPORTED FRAUD PLEASE REMOVE FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: ME

Complaint narrative:
Received XXXX separation dispursment from XXXX XXXX XXXX verified check on XXXX and I provided my IDs and 1099R review form along with the original check that I was told to mail in on XX/XX/XXXX after deposit mobile on XX/XX/XXXX. I made complaint to XXXX  over week ago have not heard back and every day I call they tell me another day or two and when I do they request something else. I have XXXX XXXX XXXX  and need this money for them is why I chose to do an early distribution. The check is for {$1800.00} and has been proven cleared since XX/XX/XXXX after a 3 way call with Morgan stanley bank and XXXX XXXX  who distributed the check for XXXX XXXX. No money had been made available and they closed my account and I'm still waiting to receive the monies. Much more to be told but proof in the pudding that this is being done unlawfully now at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My account with EQUIFAX XXXX XXXX w

as never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX and the credit reporting agencies for a violation of the Fair Credit Reporting Act ( FCRA ), specifically subsection 605 ( b ).

Details of the Complaint : Account in Question : Fraudulent car loan with XXXX XXXX XXXX XXXX Date of Discovery : [ XX/XX/year> ] I recently discovered a fraudulent car loan account from XXXX XXXX XXXX XXXX on my credit report. I promptly disputed this account with the credit reporting agencies, as it was not authorized by me and is the result of identity theft.

Under FCRA subsection 605 ( b ), any information that can not be verified as accurate within a reasonable time ( typically 30 days ) must be deleted from a consumers credit report. Despite my dispute, the fraudulent account remains on my report, causing damage to my credit score and financial reputation.

Actions Taken : I have contacted both the credit reporting agencies and XXXX XXXX XXXX XXXX to dispute this fraudulent account.

I have provided supporting documentation, including a police report and an identity theft affidavit, but the inaccurate information has not been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX and the credit reporting agencies for a violation of the Fair Credit Reporting Act ( FCRA ), specifically subsection 605 ( b ).

Details of the Complaint : Account in Question : Fraudulent car loan with XXXX XXXX XXXX XXXX Date of Discovery : [ XX/XX/year> ] I recently discovered a fraudulent car loan account from XXXX XXXX XXXX XXXX on my credit report. I promptly disputed this account with the credit reporting agencies, as it was not authorized by me and is the result of identity theft.

Under FCRA subsection 605 ( b ), any information that can not be verified as accurate within a reasonable time ( typically 30 days ) must be deleted from a consumers credit report. Despite my dispute, the fraudulent account remains on my report, causing damage to my credit score and financial reputation.

Actions Taken : I have contacted both the credit reporting agencies and XXXX XXXX XXXX XXXX to dispute this fraudulent account.

I have provided supporting documentation, including a police report and an identity theft affidavit, but the inaccurate information has not been removed.

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 2024-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: PA

Complaint narrative:
This false debt collection was removed once before then added back just now. XXXX just retained a new debt collector to try again. This utility bill is the prior owners. This must be removed immediately.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation