vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-11 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: 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 is 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 this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXXXXXX 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 2024-10-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bridge IT, Inc.
State: OH

Complaint narrative:
They would give me a credit line of just {$50.00}. They would take the {$50.00} out of my checking account on the 3rd of the month and I could re borrow it back if I want. They took the {$50.00} dollars out of my XXXX checking account. They are reporting to all 3 credit bureaus I owe {$580.00}. Plus harassing me with text messages and emails from a Representative named XXXX. Im sick OF IT. I explained to the company you would only give me a credit line of XXXX. Why are you lying to me and all 3 credit bureaus????

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: OH

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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 2024-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Where to begin with this piece of XXXX company?! For starters, an automatic payment of {$200.00} was extracted from my XXXX XXXX Checking Account ( i.e. account # ending in XXXX ) on XXXX, and yet on XXXX when I realized that my available credit/and balance was not updated, I promptly called and was informed that my available balance/and credit would be updated on/or by XX/XX/year>. When I questioned why it would take XXXX business days to update my balance the representative stated that the delay was instituted because of a returned payment in XX/XX/year>. However, the bank did not inform me that this change was taking place, did not provide me/or share with me that this change was occurring in writing, nor did they provide a time frame associated with this significant change, so merely providing me with this rationale verbally is inappropriate, considering in the past ( i.e. XX/XX/year> ), my available credit/and balance was updated without any issues. After hearing this, I became extremely upset and requested to speak to a supervisor and upon speaking with him, he merely repeated the same thing that the previous representative had stated! XXXX!? Instituting changes without alerting your consumers is an abuse of power and shows that the bank has XXXX morals/or values relative to how changes impact their customers and their only goal is to punish individuals who have had a returned payment! INSTITUTING SIGNIFICANT CHANGES WITHOUT ALERTING CONSUMERS IS ILLEGAL! According to the ( FDIC ) Federal Deposit Insurance Corporation, " your insurer generally must provide a 45-day advance notice of any significant changes in account terms ''!. This did not happen and of course, there is no paper trail to support what I was told over the phone and yet, they didn't waste any time to extract a payment from my external account and apply it which reflects in the system, but REFUSES to update my balance/and available credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> & XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/2024 & XX/XX/2024 ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. 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 2024-10-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i applied for unemployment benefits i never received my card my was confirmed ( accountTakeover ) edd notified bofa to freeze my account until my identity was verified the freeze resulted in account related information being restricted XXXX to XXXX unauthorized transaction occurred totaling {$13000.00}. 
card never received, i never received any alerts informing card activation, purchases made. i was under impression my account was froze. 
this transactions arent mines i never gave anyone permission to use a card i never received. 
i filed a claim in 2024 because i was finally released from the freeze on my account bofa was able to discuss my account. 
i experienced mail theft, i rented out a room and was not given a mail box key. so any mail i was suppose to get was given to me by head of house and i didnt received mail due to the problems.

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 2024-10-11 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I made a payment of {$35000.00} out of my business checking account that unfortunately I did not enough funds in. I had enough funds in a different checking account, but had forgotten to transfer the funds to the other account. 

The funds were returned on XX/XX/XXXX. I realized the issue on XX/XX/XXXX and immediately paid the amount again. On XX/XX/XXXX, my due date, I paid the remaining {$8700.00} to fully pay off the statement. 

My payments were due by XX/XX/XXXX. I paid off the statement in full by XX/XX/XXXX. The entire statement was paid off in full before the due date. No balance was carried forward. 

On XX/XX/XXXX, though I did not realize it at the time, I received a notice saying that the account was closed. It was posted in the online portal and was not emailed to me directly ( though a notification about the document being in the portal was ). For a few days I tried to make critical payments for my business, but all were declined. I assumed that the issue was because of the return, and they just wanted to make sure that my XX/XX/XXXX payment would not be returned. 

On XX/XX/XXXX, however, I was informed that the account was closed. The reason given was that this was my 5th ACH return since I opened the account ( ~4 years ). A few of these occurred in the past because I would pay off my balance early and Capital One 's Autopay would still pull out the full balance on the due date. The other few of these are because I didn't transfer the funds, like on XX/XX/XXXX. Never was it due to fraud or not having sufficient funds ( though the specific account the funds were pulled from itself did not have sufficient funds ). 

What I am most concerned about is the thousands of dollars worth of points that I had sitting in the account. The reason I use this card for my business is their promise of 2 % cash back. I believe I had about {$2000.00} worth of points at the time of the account and would be owed about another {$2000.00} worth of points for my transactions for the current statement period. I have another payment due for ~ {$58000.00} due on the XXXX which I will be making in full. I am worried that Capital One has found a loophole that they can take these points from me. They are even offering my the ability to open a new account with a new credit card, which does not make sense to me if they're so worried that they closed my account. 

Any help would be massively appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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:
Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Transunion. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX  XXXX # XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX. Account Number : o TransUnion : XXXX o XXXX : XXXX o XXXX : NONE Inaccuracy Noted : Incomplete visibility in the screenshot prevents a full comparison of account numbers. 
XXXX. Balance : o TransUnion : {$6900.00} o XXXX : {$6900.00} o XXXX : NONE XXXX. High Credit / Credit Limit : o TransUnion : High Credit : {$6700.00} ; XXXX XXXX : {$5700.00} o XXXX  : High Credit : {$6700.00} ; Credit Limit : {$5700.00} o XXXX : NONE XXXX. Past Due : o TransUnion : {$0.00} o XXXX : {$0.00} o XXXX : NONE XXXX. XXXX XXXX : o All show as Collection/Charge off, which is consistent. 
XXXX. Last Reported : o TransUnion : XX/XX/XXXX o XXXX : XX/XX/XXXX o XXXX : NONE XXXX. Comments : o TransUnion : Charged off as bad debt. Dispute resolved ; reported by grantor o XXXX : Account was in dispute- now resolved - reported by subscriber. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active & Date of Last Payment : o TransUnion : Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXX o Experian : Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXX o XXXX : NONE Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ]. 
I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, 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 2024-10-11 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:
Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section XXXX Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Transunion. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX  XXXX # XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX. Account Number : o TransUnion : XXXX o XXXX : XXXX o XXXX : XXXX Inaccuracy Noted : Incomplete visibility in the screenshot prevents a full comparison of account numbers. 
XXXX. Balance : o TransUnion : {$6900.00} o XXXX : {$6900.00} o XXXX : NONE XXXX. High Credit / Credit Limit : o TransUnion : High Credit : {$6700.00} ; XXXX XXXX : {$5700.00} o XXXX  : High Credit : {$6700.00} ; XXXX XXXX : {$5700.00} o XXXX : NONE XXXX. XXXX XXXX : o TransUnion : {$0.00} o XXXX : {$0.00} o XXXX : NONE XXXX. XXXX XXXX : o All show as Collection/Charge off, which is consistent. 
XXXX. Last Reported : o TransUnion : XX/XX/XXXX o XXXX : XX/XX/XXXX o XXXX : NONE XXXX. Comments : o TransUnion : Charged off as bad debt. Dispute resolved ; reported by grantor o XXXX : Account was in dispute- now resolved - reported by subscriber. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active & Date of Last Payment : o TransUnion : Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXX o Experian : Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXX o XXXX : NONE Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ].

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, 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 2024-10-11 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: AK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN CREDIT AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. To Whom It May Concern : I recently received a copy of my Experian Credit Report and XXXX Credit Report and I noticed that LATE PAYMENTS from XXXX  ACCOUNT # XXXX  is still posted on my report : Your company is in clear violation of the law. Under 15 USC 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies can not include certain information in consumer reports. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report Does not include- ( A ) Subject to section 1681S-3 of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE this XXXX  ACCOUNT # XXXX from my consumer report. This agency is in violation of 15 USC 1681. Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character. 2. Negligent Enablement of Identity Fraud. 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n . Both agencies have violated the laws and is reporting this account on my credit report. EXPERIAN CREDIT AGENCY AND XXXX XXXX XXXX is not providing accuracy. XXXX XXXX XXXX has DELETED this account from my credit report through the CONSUMER FINANCE PROTECTION BUREAU. Under 15 USC 1681 Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. All three CREDIT AGENCIES are to provide the same information on my credit report. DELETE THIS XXXX  ACCOUNT # XXXX. Best Regards, 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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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