vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-18 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
ILLEGAL REPORTING OF INCOME ON MY CREDIT REPORT, no INCOME IS ALLOWED TO BE REPORTED ON A CREDIT REPORT The IRS generally considers canceled debt of { {$600.00} } or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. UNDER IRS PUBLICATION 4681 Being that the following accounts were all charged off and over { {$600.00} } which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. Income is not allowed to be reported to a credit report or supposed to be a factor within a credit report. IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME, IT CAN'T BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSED TO BE! WHEN A CHARGE-OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE-OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL DISCHARGED DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE-OFFS OVER { {$600.00} } DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT! I have also filed a 1099-c on XXXX  which was accepted by the Irs and then mailed to JPMCB, which I have submitted here. Please immediately delete the following account immediately from my credit report! JPMCB XXXX XXXX CHARGE OFF FOR { {$4900.00} }

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
i applied for Bank of America Business credit card on XX/XX/ and was denied ( application XXXX XXXX XXXX regardless of reason fo being denied, i have the right to credit. withholding my securities is securities fraud, according the the Equal Credit Opportunity Act and the Consumer Credit Protection Act i have been discriminated against. bank of america is violating this acts along with title 12 usc 1431. i previous complaint was closed as resolved when no action was taken i retracting my application.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: SC

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: TX

Complaint narrative:
I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: SC

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2024-01-18 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account have been disputed multiple times for false reporting, and inaccurate information, as well as incomplete information. 

Account Status never updated to in dispute. Status last updated 2018. Experian continues to use automated investigations and refuses to comply with FCRA Regulations. 

Date of Last Payment is falsey reported blank for both accounts, while XXXX and XXXX both report two other completely different dates. 

XXXXXXXX XXXX XXXX - Date last active was illegaly re-aged on the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: NY

Complaint narrative:
There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
For the third time in less than 9 months this company has checked my credit and lowered my credit limit. I filed a compliant against this company in XXXX I believe with you all. You all did nothing about my complaint with this horrible banking institution. They have once again made an inquiry on my credit and reduced my limit. They just made an inquiry in XXXX. There has been no changes between XXXX and XXXX on my credit. I have no late payments, no new negative or derogatory accounts. This company is targeting me because they have horrible policies that I complained about a few months ago, and still have not been changed. Every time they check my credit, that is an inquiry and that lowers my credit score, the lower my credit limit and that impacts my credit score as well. I will now contact every member of congress and get someone's attention about this matter. XXXX XXXX XXXX XXXX XXXX every media outlet until change is made. There is no reason whatsoever to have my credit checked three times and my limit lowered each time by this company. Who else are they abusing and striving to ruin the credit of. I will reach out to each store that they also service with store credit cards to encourage that they cut ties with them and find another bank.

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 2024-01-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX confirmed in writing that they would not charge the early termination as they initially billed as this was not part of the contract that was signed. This bill was never cleared on their end and it was sold to a collection agency. I had assumed this matter was resolved per my last payment and communication with XXXX XXXX Apartments until I suddenly received a notification on my credit that a collection was opened. XXXX XXXX XXXX refuses to help me with the matter regardless of the communication trail and the collection agency National Credit System is not responsive to my communication and supported documentation also sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XXXX  I purchased bitcoin on cash app. I sent the bitcoin to what I thought was a trusted trading site using AI. I began with {$500.00} to test the site. Its made {$250.00} over the weekend so I decided to invest more money. From {$1200.00} to {$2000.00} weekly up until XXXX. When I attempted to withdraw the funds there was an outstanding fee associated with withdrawal. Thats when I realized that I had been scammed and the money was gone. I contacted cash app and they told me there is nothing they could do. Once its sent on blockchain it couldnt be tracked. So I researched and there were cases where money has been retrieved. The company doesnt hold itself liable to retrieve funds once a scammed. It has the resources to track and recover the money but doesnt assist. I lost all of my savings at the time over {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I still can't get support from Synchrony. Synchrony doesn't offer to reply to my complaint. I have emailed them numerous times, they refuse to reply. They are not replying to CFPB either.

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 2024-01-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
XXXXXXXX XXXX at XXXX opened a loan under my name on XX/XX/2019 showing my employment with XXXX XXXX and XXXX XXXX. At the time I had already stopped working with XXXX XXXX and XXXX XXXX and I did not take out this online loan. The dates and details of this loan do not pertain to me. This loan was not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I went and purchased a XXXX gift card and after the fact have learned that the card will not work online ( as it used to ) as there can not be a billing address tied to the debit card gift card. 

I find this to be outrageous as any merchant online ( its intended use ) wont be accepted. 

XXXX, XXXX, XXXX, etc etc is unable to be used for this card. 

They will not refund your money and you can not use it unless in person so you are going to lose your money as you can not get the full amount out from full in person transactions. 


This in my eyes is a total scam and ripoff for anyone buying these cards and trying to buy something online.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  has been re-inserted into my credit file. By law they are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. at my 6th Amendment unalienable right, I respectfully demand Deletion of this item immediately or I will be forced to take legal action! In addition to the Fair Credit Reporting Act ( FCRA ) and Internal Revenue Code ( IRC ) Section 6050P, it's crucial to explore other relevant codes and regulations that may impact your case. Of particular importance are provisions that address the rights and protections afforded to service members and the potential consequences of the unlawful reinsertion of a previously deleted credit file. Here are key regulations to consider : Servicemembers Civil Relief Act ( SCRA ) : If you are a servicemember, the SCRA plays a significant role in safeguarding your rights, especially concerning interest rates, debt collections, and credit reporting. It is essential to evaluate any potential violations related to your status as a service member. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : UDAAP prohibits unfair, deceptive, or abusive practices in the financial industry. In the context of your case, it becomes relevant if there are concerns about the financial institution 's conduct, especially regarding the reinsertion of a previously deleted credit file. Gramm-Leach-Bliley Act ( GLBA ) : Sections 501 and 502 of the GLBA are crucial for addressing privacy concerns related to consumer financial information. It establishes rules for privacy policies, nonpublic personal information protection, and consumer opt-out rights. This becomes pertinent if the reinsertion involves mishandling or improper disclosure of your financial data. Regulation P : Privacy of Consumer Financial Information : Regulation P implements GLBA 's privacy provisions and focuses on safeguarding consumer financial information. It includes requirements for privacy notices, opt-out mechanisms, and restrictions on information-sharing, ensuring the protection of your sensitive data. Regulation B : Equal Credit Opportunity : Regulation B, implementing the Equal Credit Opportunity Act ( ECOA ), prohibits discriminatory credit practices. It ensures fair and equal treatment of credit applicants, making it essential to assess any potential violations concerning your credit reporting. These regulations collectively contribute to shaping the legal landscape surrounding credit reporting and financial privacy, offering avenues for addressing any infringements and seeking a fair resolution. If you have specific concerns related to these regulations, consulting with legal professionals well-versed in consumer protection laws can provide valuable insights and guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
The following account REGIONAL ACCEPTANCE acct # XXXX was charged off as of XX/XX/. Since the the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. This is a direct violation of the consumer Fair Credit Reporting Act. This also falsely manipulates the statue of limitations. This account is approximately XXXX years old. Which due to the nature of falsely reporting every month as a late payment or past due this account should be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OH

Complaint narrative:
On three separate occasions I used the pay anyone feature at Chine Bank. You use the person 's phone number to send them funds and they can access the money even with no Chime account. I entered my XXXX XXXX XXXX phone number correctly ( verified on XX/XX/24 by Chime ) but apparently they have an account already associated with her phone number and told us she already had an account and I couldn't get the money returned bc it had been claimed. There's no way it was her as she was XXXX at the time and could not even open the account. The account has to be fraudulent and even has her first name attached. The error is clearly there's bc she has had this phone number for XXXX years. I was on the phone for over an hour trying to rectify this bc I did nothing wrong. I attempted to send my daughter cash on three occasions to her own phone and they gave it to someone else. They it in a dispute and less than XXXX hours later denied the claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
Please see attachments and follow demands listed in attachments. To date, Resurgent has NEVER validated the debt nor have they provided the requested information. The account in question was fraudulently opened and they are committing aggravated identity theft until they are able to prove otherwise. This company and the representatives of the company are predatory extortionists and I will pursue legal action within 15 day of receipt of this notice if the information requested is not provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX has XXXX names on my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX & re-age. The account on transunion. & XXXX just got XXXX XXXX XXXX days & date closed wrong & last active & last payment no good payment history its hurting my score & re opening accounts are illegal & XXXX XXXX  is showing i have no late payments but i have XXXX XXXX XXXX days late different bureaus & account type doesnt show for XXXX bureau dates last active are wrong. Please delete these accounts i dont want any problems with this please

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