vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to formally dispute an account on my credit report that I know contains inaccuracies. Under the Fair Credit Reporting Act, specifically 15 USC 1681e ( b ) and 15 USC 1681 ( 5 ), I am entitled to have accurate information reported. 

The account in question is ( XXXX ) associated with ( XXXX XXXX ). Upon reviewing my credit report, I have identified several inaccuracies that do not accurately reflect my credit history. I request that you investigate this matter and update the account to reflect accurate information. 

Please be aware that, according to the aforementioned sections of the Fair Credit Reporting Act, all information reported must be 100 % accurate across all three credit reporting agencies. If this request is not fulfilled within 30-45 days, I will proceed with litigation to seek damages of {$1000.00} for each inaccuracy found on my report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX I see that XXXX is the only credit burial that applied the attention to my other laters and made an update to this late payment. All I am asking at this point is for Transunion XXXX XXXX to update this payment to paid in full or on time as XXXX has done. 



The following attached document of the bank statement is prove that I summited a payment to XXXX XXXX the XXXXXXXX XXXX XXXX XXXX XXXXXXXX which is the time they reported me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2024, I responded to a targeted ad on my account login. I have a checking account and IMMA with Citi. The promotion was for {$100.00} with XXXX XXXX of {$250.00} for two months. I signed up in XX/XX/XXXX and had XXXX {$250.00} deposit XX/XX/XXXX and the second {$250.00} deposit XX/XX/XXXX. 

I have not received the {$100.00} promotion from these activities. 

I visited my local branch in XXXX XXXX, CA and my banker said that I was not eligible, but I did have a targeted ad and I did click enroll and the website did confirm that I had enrolled in the promotion. I also fulfulled the XXXX deposits of {$250.00} for XXXX consecutive months as was required. 

I will attach screen shots that I took on the day that I enrolled my account.

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 monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was called from someone that said they were from my bank ( Bank of America ) saying I had fraudulent activity with my debit card and that also someone was trying to wire transfer money out of my savings account then they transferred me to another person who accessed my account and stole {$5600.00} on XX/XX/year> at XXXX XXXX  when I got to my bank in person I told them what was going on the transaction was still pending and they wouldnt stop it they said it can help catch who is doing it I submitted a claim 45 days later was told they werent refunding my money so I now have a dispute claim in process

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$18000.00} Closed Overview You have XXXX XXXX left to pay on this loan. 
Balance : {$18000.00} Highest balance : Account details Account Number XXXX Account Status Charge Off Open Date XXXX XXXX, XXXX Last Activity XX/XX/XXXX Type Responsibility Individual Remarks Charged Off Account Times XX/XX/XXXX Days Late XX/XX/XXXX Month 's Reviewed XXXX Terms Count XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Current Payment Status Collection/Chargeoff Amount Past Due Payment history Youve made 2 % of payments for this account on time. 
Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession or foreclosure Collection or charge off Voluntary surrender No data available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A Account ID : XXXX Collection or charge off Voluntary surrender No data available 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: TX

Complaint narrative:
XXXX XXXX XXXX  XX/XX/XXXX {$18000.00} Closed Overview You have XXXX XXXX  left to pay on this loan. 
Balance : {$18000.00} Highest balance : Account details Account Number XXXX Account Status Charge Off Open Date XXXX XXXX, XXXX Last Activity XX/XX/XXXX Type Responsibility Individual Remarks Charged Off Account Times XX/XX/XXXX Days Late XX/XX/XXXX Month 's Reviewed XXXX Terms Count XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Current Payment Status Collection/Chargeoff Amount Past Due Payment history Youve made 2 % of payments for this account on time. 
Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession or foreclosure Collection or charge off Voluntary surrender No data available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A Account ID : XXXX Collection or charge off Voluntary surrender No data available 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-08 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat This item us being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XXXX, I mailed the form " XXXX XXXX XXXX XXXX XXXX '' to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. On that form, I requested a credit report from Equifax, XXXX, and XXXX. XXXX and XXXX sent me my credit report. Equifax sent me nothing. 

In previous years, I have used this same form and received reports from all XXXX companies. This year, Equifax ignored my request and sent me nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I deposited a check for {$340.00}, hoping to use those funds for essential needs. However, shortly after the deposit, my account was flagged for fraud. The following day, I reached out to Bank of America to address the situation and logged into my account, but the troubles were far from over. 
When I attempted to use my new debit card, which you had just received on XX/XX/year>, I were met with disheartening news : the fraud alert still prevented any transactions. Despite not having used the card at all, my checking account had incurred an overdraft fee of {$17.00}. This added financial strain left you unable to access your funds or utilize my debit card. 
The impact of this situation has been profound. Without a working debit card, I found yourself stranded and unable to purchase necessary medication from the pharmacy. As of today, I remain without a debit card, facing ongoing challenges due to what appears to be a fault on Bank of America 's part. 
This experience has not only caused significant inconvenience but has also left you feeling vulnerable and unsupported during a time when access to funds is crucial.

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 monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My credit utilization had increased to 60 % because my son had XXXX and when he couldnt work, I was helping him and his family stay afloat. He unfortunately passed from XXXX. In the interim, I have been paying my cards down as much as possible to the point of bringing my utilization to the low 40 %. I have never been late on any payment and have never missed any payments. 
With that said, on XX/XX/XXXX I made a payment to Citi for {$4100.00}. On XX/XX/XXXX, I received an email that my credit limit was being decreased from {$4800.00} to {$500.00}. The reason I made that payment in a lump sump was to make sure it reflected on my credit so I can increase my credit score. By lowering the credit limit, it makes the utilization even worse now which will impact my credit score and utilization. 
This also happened to my other Citi card as well as my XXXX and others as well. 
Whats sad, is that the system is set up to keep consumers with the lowest possible credit score. The system is set up for consumers to fail. 
That is not fair considering that I always make my payments timely and have never missed any payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase is refusing to help me file a dispute for a charge on services I didn't get from XXXX different merchants. 

The first merchant was XXXX for {$89.00} and the second merchant ( the one in question now ) is with XXXX XXXX ( XXXX ) for {$210.00}. 

XXXX has ignored my request for a refund when they didn't provide me with any service and pretty much just defrauded me, and chase bank is assisting in their scam against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: GA

Complaint narrative:
Subject : Request for Removal of Disputed Inquiries from Equifax Credit Report Dear Equifax, I am writing to formally request the removal of several inquiries from my credit report. Below are the confirmation numbers and dispute details : - Confirmation Number : XXXX Disputed on XX/XX/XXXX, Completed on XX/XX/XXXX - Confirmation Number : XXXX Disputed on XX/XX/XXXX, Completed on XX/XX/XXXX - Confirmation Number : XXXX Disputed on XX/XX/XXXX, Completed on XX/XX/XXXX Despite submitting these disputes, I received a letter from Equifax dated XX/XX/XXXX, stating that you do not have my credit report. I find this information incorrect as I previously disputed inquiries. I kindly request that these inquiries be removed immediately, and that an updated credit report be mailed to me as soon as possible.

The inquiries in question include : - XX/XX/XXXXXXXX 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 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 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 Please correct my credit report and update the status of these inquiries accordingly.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: TX

Complaint narrative:
I never applied for this credit card XXXX XXXX on XX/XX/year> 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 2024-10-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Charges on card card lost or stolen Charges are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: CL Holdings LLC
State: CA

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear JEFFERSON CAPITAL SYST, I am writing to address the unauthorized reporting of information to my credit report, which is a violation of both federal and California state laws. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Californias identity theft and consumer protection laws, this reporting has been done without my explicit consent.

It has come to my attention that JEFFERSON CAPITAL SYST has engaged in unauthorized reporting to my credit report, violating both federal law and the California Identity Theft Statute under Se

ction 530.5 of the California Penal Code, which criminalizes the unauthorized use of personal identifying information. The FCRA mandates that a consumers consent is required for such reporting activities, as stated under Section 1681b ( a ) ( 2 ). Furthermore, Californias Civil Code Section 1785.25, part of the California Consumer Credit Reporting Agencies Act ( CCCRAA ), emphasizes that no consumer cr
edit information should be furnished without proper authorization, and such reporting without consent is a direct violation of my rights under both federal and state law.

I assert that I have not provided any consent to JEFFERSON CAPITAL SYST to report any information to my credit report. This lack of authorization constitutes a blatant violation of my rights, causing potential harm to my credit standing, and represents a disregard for the legal protections set forth by federal law and California law.

I demand that JEFFERSON CAPITAL SYST immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under Section 1681b ( a ) ( 2 ) of the FCRA and Section 530.5 of the California Penal Code. Failure to comply within the next 30 days will be treated as intentional noncompliance, subjecting JEFFERSON CAPITAL SYST to penalties under applicable federal and state laws, including those governing identity theft and consumer fraud in California. 

This is not a negotiable request ; it is a demand for compliance with both federal and state regulations that protect consumers from unauthorized and harmful credit reporting. I expect prompt rectification of this matter, ensuring that my rights under these laws are fully respected. 

Done in good faith.

Company response to consumer: Closed with explanation