vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-27 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: IL

Complaint narrative:
Original case XXXX bureau stated public record XXXX XXXX  XXXX was verified this was a lie and they are committing willful noncompliance. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) RE : Warning to Remove Incorrect Items from my Credit Report XX/XX/XXXX To Whom It May Concern, I have previously disputed XXXX XXXX XXXX Public Record { Docket Number XXXX } with you, and in your initial response, you veried the item as accurate, stating that you have veried the information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately. Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CREDIT REPORTING INFORMATION The XXXX XXXX XXXX XXXX does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. XXXX  filings are publicly available records. Any concerns regarding the accuracy of consumer credit files can be directed to the credit reporting agencies. Each credit reporting agency has specific procedures for consumers to dispute information listed in their credit files. The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) is the law that controls credit reporting. The Act states that credit reporting agencies may not report a XXXX  case more than 10 years after the order for relief is entered. This is usually the XXXX  filing date. For more information about the Fair Credit Reporting Act or directions on how to dispute information reported on your credit report, visit the Federal Trade Commissions website, or contact the FTC XXXX at 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 2024-10-28 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, XXXX XXXX XXXX XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) against Experian Credit Bureau due to their repeated violations of the Fair Credit Reporting Act ( FCRA ) in relation to their failure to delete fraudulent accounts and inaccurate personal information on my credit report, as well as their disregard for identity theft protections and response requirements. 

Despite two formal communications dated XX/XX/year>, and XX/XX/year>, Experian has not complied with the law by failing to remove fraudulent accounts, incorrect addresses, and name variations from my credit report. I am the direct, sole correspondent regarding these disputes ; no third party represents me in this matter. 

Applicable FCRA Sections Violated : FCRA Section 605C ( 15 U.S.C. 1681c-2 ( a ) ) Mandates that fraudulent information resulting from identity theft be blocked and deleted within four ( 4 ) business days of receipt of proper documentation. Experian has exceeded this statutory timeframe, leaving fraudulent accounts active despite my repeated requests and all required documentation. 

FCRA Section 611 ( 15 U.S.C. 1681i ) Requires that consumer reporting agencies conduct a reasonable investigation and notify the consumer of the results within 30 days. Although Experian claims to have approved deletions as of XX/XX/year>, the fraudulent items remain on my report, indicating a failure to complete this process within the timeframe. 

FCRA Section 604 ( 15 U.S.C. 1681b ) Limits the furnishing of consumer reports to entities with explicit consumer authorization. I have never authorized any of the listed fraudulent accounts, and Experians reporting of unauthorized accounts violates this section. 

18 U.S.C. 1028A Provides federal protections against identity theft. XXXX failure to remove the fraudulent accounts after being notified of identity theft disregards these protections and perpetuates harm to my identity and financial reputation. 

Details of Non-Compliance : On XX/XX/year>, I spoke with an Experian representative who confirmed that my dispute had been approved and that deletions were forthcoming. However, despite this acknowledgment, all disputed items remain on my credit report, which is a serious breach of my consumer rights under the FCRA.

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 2024-10-27 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: Exeter Finance, LLC.
State: TN

Complaint narrative:
I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 

Company reports this as a chargeoff/profit and loss on my consumer report but failed to send me a 1099-C for this debt. This is a violation of my rights and is damaging to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: OK

Complaint narrative:
I received a copy of my consumer report and was shocked to see what was on it it was accounts the wasnt mine

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 2024-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I initiated a transfer with my Chase account and my credit union, XXXX. Since the account was new, Chase asked me to verify the validity of the account via trial deposits. On XX/XX/XXXX, I logged into my POLAM account, along with my Chase account, and verified the two trial deposits : one for {$.00} and the other for {$.00}, totaling {$.00}. After verifying the deposits, the bank permitted me to remit funds to the external account. I inputted a transfer amount of {$2000.00} and initiated the transaction. 

However, the following day, I received an email from Chase that I had a secure message. The message indicated that the transfer was cancelled with no context behind the cancellation. I contacted Chase via telephone on XXXX the XXXX at XXXX pm XXXX. After speaking with the first representative, I stated that it was unfair for the bank to take me through the verification process, obtain the details of my external account, only to present the idea that it was going to send funds to my external account but to just deny the transfer. I requested my concern be escalated to management. The supervisor then spoke to me and asked me what the details of the external account were ( routing and account number ). I told him that those details were already provided when I established the external account on my profile. He stated that when Chase determined that the information " could not be verified, '' they deleted the entire account, along with all details. I was shocked as to why the bank would not only take me through the process of external account verification but would then strip all evidence of the external account to where even internal staff were not able to source it. 

I am asking the XXXX to conduct a review of this transaction under Section 5 of the Federal Trade Commission Act. I am unsure what the bank has done with the external details regarding my account, along with why the bank would take a customer along a process of account verification and permit me to initiate a funds transfer, only to deny the transfer the following day and prevent me from transferring my funds to my desired account. From my perspective, the bank improperly performed an act of coercion and held my funds when no external factors could evidence why the funds could not be remitted. Lastly, the bank is required, per regulation, to maintain documentation of account transfer up to the statutory timeframe. Where has the bank stored this data?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: TN

Complaint narrative:
Reason : Violation of 15 USC 1681b ( e ) ( 6 ) Your company is in VIOLATION of 1681b ( e ) ( 6 ). ALL CRAs must maintain a joint notification system. I do believe that his subsection was put intact to maintain MAXIMUM and proper accuracy amongst consumer reporting agencies. These accounts and information being reported does not match the other consumer reporting agencies. This means your company has failed to keep a joint notification system. WHICH NOW PLACES YOU IN VIOLATION. REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY. 

Also, I, never gave any bureaus any verbal or written consent to report anything in my consumer report. No consent is identity theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 

THIS IS IDENTITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUCTION TO REPORT THESE ACCOUNTS LISTED BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECEIVED MY INFORMATION FROM A SECNODARY REPORTING AGENCY.

PER TITLE 18 USC 1028A THIS IS AGGRAVATED IDENTITY THEFT AND I DEMAND THESE ACCOUNTS TO BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATABASE. IM EXERCISING MY RIGHTS. 

As a consumer, I am demanding a deletion of the following accounts : XXXX. XXXX  XXXX The date of the last activity does not match which is a sign that the account has been re-aged. This is a violation. 
Please delete this from my consumer 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 non-monetary relief
Consumer complaint received 2024-10-27 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: TN

Complaint narrative:
Reason : Violation of 15 USC 1681b ( e ) ( 6 ) Your company is in VIOLATION of 1681b ( e ) ( 6 ). ALL CRAs must maintain a joint notification system. I do believe that his subsection was put intact to maintain MAXIMUM and proper accuracy amongst consumer reporting agencies. These accounts and information being reported does not match the other consumer reporting agencies. This means your company has failed to keep a joint notification system. WHICH NOW PLACES YOU IN VIOLATION. REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY. 

Also, I, never gave any bureaus any verbal or written consent to report anything in my consumer report. No consent is identity theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 

THIS IS IDENTITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUCTION TO REPORT THESE ACCOUNTS LISTED BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECEIVED MY INFORMATION FROM A SECNODARY REPORTING AGENCY.

PER TITLE 18 USC 1028A THIS IS AGGRAVATED IDENTITY THEFT AND I DEMAND THESE ACCOUNTS TO BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATABASE. IM EXERCISING MY RIGHTS. 

As a consumer, I am demanding a deletion of the following accounts : XXXX. XXXX  XXXX The date of the last activity does not match which is a sign that the account has been re-aged. This is a violation. 
Please delete this from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: GA

Complaint narrative:
In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX ( debt buyer ) Account # XXXX, 15 U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. Only have one home address, all other address on report are wrong.

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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
ALDOUS AND ASSOCIATES i don't know this company, never didn't any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This year, I attempted to close my Bank of America ( BofA ) XXXX XXXX Banking checking account. BofA demands that accounts must be closed over the phone- in XXXX, I called a BofA representative who ensured my account balance would be transferred to another BofA checking account and this account was closed. However, after receiving a $ XXXX monthly maintenance fee on this account in XXXX, I called BofA a second time to ensure my account would be closed. To this day, I'm still receiving the $ XXXX monthly maintenance fee and the account isn't closed.

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 2024-10-27 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:
I am now requesting a fourth investigation into this matter. This account XXXX XXXX XXXX , was charged off in XX/XX/XXXX. Since then I have requested several desputes to correct or remove the wrongful reporting information on this account. If these items are not removed or updated. I will promptly sue your reporting agency {$1000.00} per violation. 

This account was opened In the year XXXX and from XXXX through XXXX there are no positive payments reporting on this account. This is willful negligence violation. 

This account was charged off in XX/XX/XXXX. And the constant reporting of C/O every month for 4 years straight is illegally updating the statue of limitations. This as well is willful negligence violation causing me to be denied credit as this is showing potential creditors that this is a new C/O on my report. Which is grossly incorrect. 

I will pursue legal action under FCRA section 623 if this matter is not resolved. 



( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer repo ting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, re- port those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ;

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 2024-10-27 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: CA

Complaint narrative:
I am now requesting a fourth investigation into this matter. This account XXXX XXXX XXXX , was charged off in XX/XX/XXXX. Since then I have requested several desputes to correct or remove the wrongful reporting information on this account. If these items are not removed or updated. I will promptly sue your reporting agency {$1000.00} per violation. 

This account was opened In the year XXXX and from XXXX through XXXX there are no positive payments reporting on this account. This is willful negligence violation. 

This account was charged off in XX/XX/XXXX. And the constant reporting of C/O every month for 4 years straight is illegally updating the statue of limitations. This as well is willful negligence violation causing me to be denied credit as this is showing potential creditors that this is a new C/O on my report. Which is grossly incorrect. 

I will pursue legal action under FCRA section 623 if this matter is not resolved. 



( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer repo ting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, re- port those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ;

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been providing proof to Experian that I have no Bankruptcy, XXXX XXXX has given me proof to show to Experian that a Bankruptcy doesn't exist. XXXX XXXX checked PACER and found no Bankruptcy, PACER is a service that provides public access to federal court records and furthermore I was given a letter from the UNITED STATES BANKRUPTCY OFFICE at XXXX XXXX XXXX XXXX, Ohio XXXX that they DO NOT PROVIDE INFORMATION TO ANY AND ALL CREDIT REPORTING AGENCIES! If it doesn't show on PACER it doesn't exist! I have provided all documents below

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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
I have Bankruptcies reporting on all three of the major credit reporting agencies, XXXX, XXXX and XXXX. I reached out to the Bankruptcy provider for all three major credit reporting agencies which is LexisNexis about information in my file, LexisNexis sent me a letter detailing NO BANKRUPTCIES EXIST FOR ME AND THE INFORMATION WAS PROVIDED BY PACER. As of today ( XX/XX/year> ) all three major credit reporting agencies are telling me Bankruptcy information is being provided by LexisNexis. Information also is not provided by the BANKRUPTCY COURTS.I have include the documents below.

Company response to consumer: Closed with explanation