vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 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've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to.

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX Your agency is in violation!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 2024-04-12 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: NJ

Complaint narrative:
I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX Your agency is in violation!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 2024-04-12 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: 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 and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 2024-04-12 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:
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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 2024-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
invalid inquires don't know the company.

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 2024-04-12 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 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 2024-04-12 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: NY

Complaint narrative:
My name is XXXX XXXX I ask this inquiry to be removed it is violating my right as a federal consumer under the FAIR CARES ACT 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION IF YOU USE THE FIRST XXXX LAWS AND YOUR DISPUTES COME BACK AS ACCURATE, YOU CAN USE THIS LAW TO DEMAND PROOF OF THE INVESTIGATION THAT TOOK PLACE TO VERIFY THE ITEMS IF THEY CREDIT REPORTING AGENCIES CAN NOT PROVIDE IT, THEY MUST DELETE THE ITEMS FROM YOUR REPORT # XXXX - 15 USC 1681B - PERMISSIBLE PURPOSE YOU CAN USE THIS LAW TO CHALLENGE CREDIT REPORTING AGENCIES TO SHOW WHERE YOU PROVIDED WRITTEN PERMISSION FOR A NEGATIVE ITEM TO BE ON YOUR CREDIT REPORT. IF THEY CAN'T PROVIDE IT, YOU CAN LEVERAGE THIS LAW TO HAVE IT DELETED Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 



INQUIRY NAME XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX 2026

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 2024-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
There was transaction of {$9600.00} debited from my Citibank Savings account on XX/XX/XXXX and another transaction of {$9000.00} was debited from my Citibank Checking Account on XX/XX/XXXX as well. These transactions are neither approved nor recognised by me. Upon inquiring Citibank claimed that " returned unpaid '' checks for these amounts from unknown user were deposited in my account ( There is no history of these deposits which they say happened in XXXX. I am a XXXX  resident and have not been to XXXX  in the past many years. They said that they need to inquire on how the debit happened.. but never got back to me. It is already more than XXXX  days. 

I am attaching the Fraud checks that Citibank says that they were deposited into my account ( but they do not have any credit transactions for this ). But, since these checks were bad.. they debited from my account.

To summarize, they debited money from my accounts claiming that they credited Fraud checks ( but in reality there were no Credits .... .only debits happened )

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 2024-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/XXXX I believe a charge of XXXX, dollars was charged to my credit card for navy federal credt union. Once I saw the crazy amount charge to me I called navy federal. My credit limit is XXXX how was XXXX was use I have no idea navy federal told me that I was at fault and didnt even do an investigation. I was found in the wrong and was told that there was nothing I can do. I believe that is not fair because I had no idea that it was even possible to charge that amount when you have a limited of XXXX  They told me i had to do a police report but they couldnt do nothing to help me and i had to pay back the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Today I logged into my Merrill lynch account and it says account blocked. I called the company and no one could give me any 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 explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
credit card accounts and loan amounts are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The Lowes consumer card has recently added a {$1.00} monthly fee for not accepting to opt in to the paperless option. A paperless option is not necessarily a good option for all of us, as I am XXXX XXXX XXXX, and I am not as good as I used to be at using computers. As a consumer I need the paper bill to come in the mail so I may use it as a reminder to pay the monthly bill and to monitor any activity on my account. This new fee is a great example of being able to monitor the account since I would not notice a similar fee on a digital or paperless account. I believe it's unfair to consumers to have to pay a fee on top of current interests for these retail credit cards.

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 2024-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
My XXXXXXXX XXXX had got cancelled and send to a collection agency. When I was able to pay it, I paid it off in full. It is still showing a balance on my credit report. It shows paid in full when I log into their website.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: NY

Complaint narrative:
I am writing to express my profound dissatisfaction with the ongoing presence of a fraudulent account on my credit report. Upon reviewing my credit report, I discovered this account that do not belong to me. Therefore, I request the removal of this account from my credit report.I request that you conduct a investigation into this account and promptly remove it from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process. 


XXXX XXXX XXXX ( Original Creditor : 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 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Debt XXXX keeps putting a collection account on my credit that is not mine. I have had the debt removed XXXX times and again its on my credit. XXXX years of this nonsense. This collection company is committing fraud. It affects me because its causing my credit to be affected. This collection agency is intentionally causing harm and buying accounts that are fraudulent and incorrect. Please help me this company has continued to reinsert this fraud on my credit. They change the dates and attaching to my credit multiple times. The company has been advised over and over. I have disputed this debt and it was removed XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Back in XX/XX/XXXX, I received a text message from Bank of America asking if I had authorized a transaction. I replied " No '' and then- over the day few hours- saw a few different ATM transactions get posted to my account. I did not get a verification text for all of these transactions. I did not authorize any of these transactions and immediately called the bank to report fraud on my account. I also froze my credit report and filed a police report on XX/XX/XXXX. 

I was given a provisional credit while the investigation went on. Finally, in XX/XX/XXXX, the bank reversed the provisional credit stating that I did perform the ATM withdrawal. At this point my checking account had a negative balance because of the reversed credit. I asked the bank if they knew the ATM location where the withdrawal happened and they did not answer. I asked if there was photo evidence or video evidence of me withdrawing the cash and they said they were not authorized to share the evidence. I asked if they had responded to the police report and they did not respond.

I didn't make the ATM withdrawals and Bank of America was not able to show me any evidence that I made the withdrawals they are holding me accountable to. They also did not send me text verifications for all of the unauthorized transactions. Finally, before the dispute was resolved, Bank of America closed my checking account without my permission and I can no longer view any of the old ATM transactions that I have been disputing for months.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report on the account listed as US DEPT ED there are several inconsistencies which means neither credit bureau took the necessary steps to ensure they were reporting accurate information. The account report 3 different ways. 

Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Creditor Type Government Student Loans Federal Federal Creditor Remarks : -- Current account/was a collection account, insurance claim or government claim or terminated for default. 
Student loan Fixed rate Term Length : -- 1 Month ( s ) -- Last Payment : -- -- XX/XX/XXXX XXXX is reporting the account as a XX/XX/XXXXXX/XX/XXXX to XX/XX/XXXX but then the account updates to OK this can not be possible and the other 2 credit bureaus are not reporting it like that at all. The credit bureaus have failed to follow reasonable procedures outline in the FCRA.

Company response to consumer: Closed with non-monetary relief