vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
These account ( s ) was charged off on the following date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists

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 2024-09-08 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: VA

Complaint narrative:
These account ( s ) was charged off on the following date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2024 Bank of America stole XXXXXXXX XXXX from my account, possibly due to me not working at this time. Thus, I am unable to have a direct deposit to my account. Please help here. If I am unemployed, how can I be giving a multi million company XXXX XXXX  when I have mortgage to pay?

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 2024-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
After being notified by mail in XXXX that my Kohls in-store credit card would be transitioned to a Capital One Rewards Visa on XX/XX/XXXX, I closed my Kohls charge account. I have a dated letter ( XXXX ) from Kohl Customer Service and Operation Center stating that the account was closed. I have called their customer service center and it confirms the account is closed in their automated system. Yesterday, XX/XX/XXXX, I received XXXX cards from CapitalOne XXXX stating that I can start using them on XX/XX/XXXX. I did not apply for these cards and closed my Kohls in-store charge account well within a time frame that they should have never been issued. I have not called in and activated the new cards, but when I called in to XXXX which is on the NEW card, I was routed to the OLD in-store credit card call system which again says my account is closed and would not allow me to speak to a customer service agent. Capital One XXXX issued me new cards on an account that was closed over 5 weeks ago. Imagine if we had moved and these cards were sent without my knowledge. Someone could have activated them and charged {$3000.00} at any location XXXX is accepted without my knowledge and destroyed my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXXXXXXXXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-09-08 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: VA

Complaint narrative:
These account ( s ) was charged off on the following date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists

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 2024-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
On Monday, XX/XX/year>, I stopped at a gas station to fill my gas tank up before taking my son to his XXXX XXXX  I put the card under my leg and when I got out of the car at the field, my Truist credit card fell to the ground ( unbeknownst to me at the time ). Someone picked up my Truist credit card and began using at at merchants close by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because I work from home,  I did not try to use my Truist credit card in person until Friday, XX/XX/year>. At that time I realized what I had done, I dropped my credit card after getting gas. I immediately called Truist bank and asked to cancel my credit card. At that time, I noticed IN PERSON purchases from the merchants mentioned above which were not made by myself. I work from home and RARELY use my credit card IN PERSON during the work week. The purchase that triggered was the XXXX  ( I have a XXXX credit card and I would not use my Truist credit card at XXXX, I would use my XXXX XXXX XXXX ). I also would not use my credit card in person during the work week and any of the other merchants except XXXX XXXX ( gas station ). I also recognized purchases made by the other merchants mentioned above totaling {$480.00} which were fraud charges from my credit card being stolen. I have pleaded with Truist bank, and they have denied my claim twice asking to remove these fraud charges from my account. I have been a BB & T/Truist client for 20 years and dont believe I have ever made a fraud claim. I pay my full credit card balance on time every month in order to remain in good standing and avoid interest charges. I am baffled and saddened as to why my claim has been denied. I am asking for assistance with removing these fraud charges and the interest accrued from my Truist credit card account, so that I can remain in good standing with Truist. Thank 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 2024-09-08 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SUBJECT : DISPUTE for DELETION of Unauthorized/Inaccurate Credit Inquires. 

Dear XXXX  Dispute Department, I am writing to formally dispute the following unauthorized or inaccurate inquires listed on my credit report. I have reviewed my credit report and found these inquiries were made without my consent or are inaccurate. The details of the inquires in question 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 XXXXXX/XX/XXXX According to the Fair Credit Reporting Act, U.S. Code 1681 e ( b ) ACCURACY OF REPORT, & 15 U.S. CODE 1681 i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ). 

According to the Fair Credit Reporting Act ( FCRA ). ONLY authorized inquires should appear on a consumers credit report. I have not applied for credit with the companies listed above, nor have I authorized these inquiries. Therefore, I am requesting that these inquires be DELETED FROM MY CREDIT REPORT. 

Enclosed with this letter are copies of my identification and a recent utility bill to verify my identity. I would appreciate your prompt attention to this matter and kindly request a written conformation once these inquires have been DELETED from my credit report. 

I look forward to your timely response within the 30 day period allowed by the FCRA. 

Thank you for your cooperation. 

Sincerely, 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 explanation
Consumer complaint received 2024-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-08 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/year>, I used my debit card at a gas station for exactly {$20.00}. I had {$44.00} in my account. Cashap completely drained my account for every cent. I had no choice but to go to work ( which is an hour and a half away ) with no food or anything else for lunch on a 12 hour shift. Cash app then returned the unspent funds back to my account nearly an hour later. This isn't the first time. On several occasions, the funds did not get released until as much as 24 hours later. By this point, I can't go to a grocery store, convenience store or other places of business for food and I can't just turn around. NO OTHER FINANCIAL INSTITUTION DOES THIS. Cash app calls their card a DEBIT CARD but does not follow the legal statutes of what makes a debit card a debit card in the first place. This is an unfair and immoral business practice of cash app to withhold customers finances against their wishes or consent for unspent funds. Such a practice deprives customers of access to their Legally acquired and rightful finances that they may need for other needed expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to buy impact windows for my apartment. 
Loan was paid every month, no late payments, some extra payments and loan was paid off full by XX/XX/XXXX. At that time the account was reported without issues to the credit bureaus. 
XX/XX/XXXX, 2 months after the account was full paid off, the loan reappeared to TransUnion credit bureau as a new loan and my credit score went down XXXX XXXX. I contacted XXXXXXXX XXXX XXXX XXXX XXXX  and the loan was : paid off, XXXX XXXX no payments due. I asked them to closed my account and report it closed and in good standing to the Credit Bureaus. The problem was solved ( I believed ) and my credit score went up again. 
Yesterday, XX/XX/XXXX, a year after, the same account reappeared in my TransUnion credit report ( account opened in XXXX and reactivated some how in XXXX, never closed ) and my credit score went down again XXXX XXXX 
I went online to the portal XXXX XXXX XXXX and y account is active, XXXX balance, no payment due. They never closed my account and they are reporting the account like a fresh account to the credit bureau 1 year later. 
This is an ongoing problem for more than a year without proper solution. 
XXXX XXXX XXXX XXXX XXXX is somehow misreporting to the credit bureaus again and again, they should be more responsible.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : CXXXX 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 2024-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: LA

Complaint narrative:
XXXX XXXX XXXX I have disputed this debt with this company on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 
The company has not provided and written details about ownership of this debt and provide me with the following : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations in ( Your State ) has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. 


As of XXXX this debt is owned/sold to XXXX XXXX XXXX 

Please assist with having this debt removed from my credit reports, which includes XXXX, and XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SUBJECT : DISPUTE for DELETION of Unauthorized/Inaccurate Credit Inquires. 

Dear XXXX  Dispute Department, I am writing to formally dispute the following unauthorized or inaccurate inquires listed on my credit report. I have reviewed my credit report and found these inquiries were made without my consent or are inaccurate. The details of the inquires in question 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 According to the Fair Credit Reporting Act, U.S. Code 1681 e ( b ) ACCURACY OF REPORT, & 15 U.S. CODE 1681 i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ).

According to the Fair Credit Reporting Act ( FCRA ). ONLY authorized inquires should appear on a consumers credit report. I have not applied for credit with the companies listed above, nor have I authorized these inquiries. Therefore, I am requesting that these inquires be DELETED FROM MY CREDIT REPORT. 

Enclosed with this letter are copies of my identification and a recent utility bill to verify my identity. I would appreciate your prompt attention to this matter and kindly request a written conformation once these inquires have been DELETED from my credit report. 

I look forward to your timely response within the 30 day period allowed by the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I pulled my report and seen some fraudulent hard inquiries on them and i need them removed immediately.

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
transunion shows that my loan with XXXX is still open and it is closed, and it has passed the time for removal and needs to be removed from my report based on metro 2 laws and other consumer reporting laws

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