vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 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: NC

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Inaccuracies on Credit Reports Regarding XXXX XXXX  To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit reports concerning an account with XXXX XXXX XXXX The information reported by XXXX, Equifax, and XXXX reflects inconsistencies and misrepresentations that are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Specifically, my concerns are as follows : Misrepresentation of the Credit Limit : My credit report lists a credit limit of {$6900.00} for the XXXX XXXX  account. However, this account has been charged off and is no longer active. Listing a credit limit on a charged-off account constitutes a misrepresentation, as I am unable to utilize this credit line. 
Misleading Available Credit : Equifax inaccurately reports that I have an available credit balance of - {$2300.00}. This figure is misleading and mathematically incorrect, creating confusion regarding the true status of this account. 
The reporting of a charged-off account with an active credit limit and misleading available credit figures violates my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits the use of false, misleading, or deceptive representations in connection with the collection of any debt. 

The credit reporting agencies ' failure to ensure the accuracy of the information provided to them by XXXX XXXX  and their subsequent misrepresentation of this account also violates 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 

Requested Resolution : I demand that the Consumer Financial Protection Bureau intervene to : Investigate the inaccuracies regarding the XXXX XXXX  account across all three credit reporting agencies. 
XXXX XXXX, Equifax, and XXXX to correct or remove all misrepresentations related to this account, including the reported credit limit and available credit. 
Provide me with confirmation of the corrections or deletions made to my credit reports. 
I have enclosed copies of my credit reports highlighting the disputed information, as well as supporting documents demonstrating the misrepresentation. 

Please take immediate action to address these violations of my consumer rights. I look forward to your response within the 30-day timeframe mandated under the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX under the account number XXXX, personal credit card account opened at XXXX opened on XX/XX/XXXX under the account number XXXX, Personal Credit card account opened at XXXX XXXX opened on XX/XX/XXXX under account number XXXX, Personal Credit card account opened at XXXX XXXX opened on XX/XX/XXXX under account number XXXX, personal loan account opened at XXXX  XXXX XXXX opened XXXX XX/XX/XXXX under the account number XXXX, Home equity loan account opened at XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, Educational account opened at XXXX XXXX XXXX opened on XX/XX/XXXX opened under account number XXXX. These hard inquiries XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: MN

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute certain inquiries on my credit report that were made without my authorization. Under the Fair Credit Reporting Act ( FCRA ), inquiries that I did not authorize must be removed from my credit report. 

The following inquiries are unauthorized : 1. Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX 2. Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX 3. Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX I did not apply for credit with these companies, nor did I authorize them to access my credit report. I request that these inquiries be removed from my credit file immediately. 

I have included the following documentation to assist your investigation : 1. A copy of my credit report with the unauthorized inquiries highlighted. 
2. A copy of my government-issued ID ( e.g., drivers license or passport ). 

Please investigate and remove these inquiries promptly. I would appreciate an update once this issue is resolved. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: FL

Complaint narrative:
XXXX victim
please see following reports  about the following items

XXXX  report
police report
ftc report 
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XXXX XXXX  Account info

Account number XXXX XXXX XXXX XXXX XXXX
Account info

Account number
XXXX XXXX

Account info

Account number
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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Removal of Late Payments Account # Dear XXXX XXXX  Representative or " To Whom It May Concern '' I am writing to formally dispute several late payments recorded on my XXXX XXXX  account XXXX XXXX. During the COVID-19 pandemic, I faced significant financial difficulties that impacted my ability to make timely payments.

The unprecedented circumstances surrounding the pandemic caused [ briefly describe your situation, e.g., " a loss of income, increased medical expenses, or other hardships '' ]. These challenges prevented me from adhering to my usual payment schedule, which I have otherwise maintained without issue.

I am aware of the importance of maintaining a good credit history, and I have always valued my relationship with XXXX XXXX. However, the late payments currently documented are now hindering my ability to qualify for future loans and credit cards, creating ongoing financial strain.

I kindly request your consideration in removing these late payment entries from my account. I genuinely believe that this adjustment would not only reflect my overall commitment to my financial responsibilities but also assist me in rebuilding my credit standing during this recovery period.

I appreciate your attention to this matter and your understanding of the challenges many individuals faced during this time. Please feel free to reach out to me at XXXX or your email XXXX should you need any additional information or documentation to support my request. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: CL Holdings LLC
State: FL

Complaint narrative:
I have recently checked my credit report and noticed some inaccurate accounts reporting. Please see attached letter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: MI

Complaint narrative:
On XXXX XXXX at XXXX XXXX XXXX I was attempting to get my credit report. They asked me to verify information that belongs to accounts that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: NC

Complaint narrative:
hope this letter finds you well. I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with an account under my name that was charged off by your institution and subsequently reported as such on my credit report. As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of { {$600.00} } or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law. Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of { {$600.00} }. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations. Please send the 1099-C form at your earliest convenience, either to my physical address or via email at XXXX Should you require any additional information or documentation from my end, I am more than willing to cooperate to expedite the process. Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.Account self lead/bank account XXXX XXXX XXXX XXXX Secured Card XX/XX/XXXX Closed Account charged off. {$140.00} written off. {$140.00} past due as of XX/XX/XXXX. 
Jan 2023 116 % {$140.00} XX/XX/XXXX XX/XX/XXXX {$120.00} {$140.00} {$170.00} this are all the remarks left which has been clearly been wrote of with taxes I asking to bureaus to please enforce the law and have my reports reflect accurate information or is completely breaking the law

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation. 
Account Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer.

Accounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the Financial Accounting Standards Board ( FASB ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws.

The fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers.

Unconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the Fifth Amendment to the United States Constitution. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the Thirteenth Amendment to the United States Constitution.

Color of Law and Deprivation of Rights The actions of your organization and its agents have been carried out under the color of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 18 U.S.C. 242.

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 2024-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
This is my response to the closed CFPB complaint # XXXX. 

A. Account Timeline You stated that this account was active during XXXX. However, I was in XXXX for the entire duration of this period. To substantiate this, I have again attached the following documents : 1. My XXXX record, which shows that I was not in the U.S. from XXXX to XXXX. 
2. Copies of my U.S. visas, indicating the dates when I was and am in the U.S. 
3. The police report confirming that I was not in the U.S. from XXXX to XXXX. 
4. The identity theft report confirming that I was not in the U.S. from XXXX to XXXX. 

B. Linked Address You mentioned that this account is tied to the address XXXX XXXX XXXX, XXXX XXXX, CA XXXX. If you review the identity theft report, you will see that this zip code " XXXX '' is explicitly flagged as fraudulent. I have never resided at this address. 

I kindly request that you thoroughly review all the attached documents and resolve this case. I have no connection to this fraudulent 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 explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear CFPB Team, I am submitting this complaint to address unreasonable APR practices and non-responsiveness from [ Issuer Name : XXXXCiti ] regarding my repeated requests for an interest rate adjustment. These actions appear to disregard consumer rights under the Equal Credit Opportunity Act ( ECOA ) and fail to align with competitive industry standards.

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXXXXXX Account Name : DEPTEDXXXX XXXX XXXXXXXX Account Name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : US DEPT OF EDXXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX 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 2024-11-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX that was financed through Santander was destroyed by a tree falling. Insurance should have covered it ... either way the account was closed in XXXX XXXX  XXXX - How could I have missed payments if the account was closed?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank refused to reimburse the money due to a fraudulent transaction that happened to my debit card. See the attachment for the letter. My automatically renewal debit card was stolen from my mailbox ( or at XXXX ). I was supposed to receive it on XX/XX/year> as the expiration date is XX/XX/year>. However, I did not. Then my checking account experienced multiple fraudulent transactions on XX/XX/year> and XX/XX/year>. Please see my bank statement attached from Chase. The first transaction was {$15.00} at a gas station in the XXXX. There are nine transactions worth approximately XXXX XXXX dollars in total ( all transactions for the days XXXX and XXXX, of XXXX ), and one of the largest amounts was an e-withdrawal of {$2000.00}. I realized this fraud when I was at home on XX/XX/scrub>XXXX XXXX I immediately locked all cards and contacted customer service by phone. The representative helped me clean up and replace the card. Per the representative, someone went to the branch, changed my PIN with a fake ID, and made a {$2000.00} withdrawal at the teller. Attached is the receipt for the withdrawal. I received temporary credit back from Chase on XX/XX/year>, however, I was noticed they are processed with my authorization and Chase will remove credits after XX/XX/year>. See the letters attached. In addition, I received an email from Chase customer satisfaction on XX/XX/year>, asking me if I went to the Chase branch, XXXX, located in XXXX XXXX XXXX XXXX XXXX XXXX. recently and requested a questionnaire for service experience. However, I lived in XXXX and have never been there. I worked full time ( XXXX - XXXX ) in XXXX, XXXX on XX/XX/year>. If any evidence is needed, I could request the recording from my employer to provide. My debit card is always kept at home and never take it out for any cash withdrawals. I only used it to pay the XXXX XXXX and the XXXX XXXX fee online. Obviously, the e-withdrawal of {$2000.00} and all other payments are not done by me nor even my families. How did people go to the branch and change my PIN without my real ID and signature? Chase is not responsible for the investigation at all! I have reported this fraud to my local police station ( Attached is the slip ) and will provide the complaint report No. to Chase once it is available from the police station tomorrow!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: NJ

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 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 response to consumer: Closed with non-monetary relief