vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: TX

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 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 2024-12-17 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: EQUIFAX, INC.
State: TX

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 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 explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-12-17 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXXXXXX XXXX XXXXlance {$15000.00}, XXXX XXXX balance {$12000.00}, XXXX XXXX balance {$0.00}.

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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SIMM Associates, Inc.
State: CA

Complaint narrative:
XXXX sold off account to SIMM Associates. 

on XX/XX/year> - paid SIMM Associates {$120.00} and was told account was settled in full. 

on XX/XX/year> - balance was not updated as settled and told they refuse to update balance with both SIMM and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AC AutoPay LLC, Denver, CO Branch
State: GA

Complaint narrative:
Supposedly applied for auto loan on XXXX per letter from XXXX XXXX recd XXXX. Car as described is not mine. 

Key factors that adversely affected score are not true : *not enough balance paid down over time on real estate secured loans *too many recent delinquencies *no recently opened real estate secured loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: PA

Complaint narrative:
Best Eggs gave me a loan for {$8000.00} with interest rate of 21.49 %. They charged me {$400.00} from the {$8000.00} depositing {$7600.00}. Best Eggs states in their loan agreement if I pay early I would pay less interest. Best Eggs charges a daily interest making that statement untrue. I was misled by the terms and conditions. This company preys upon people in need.

If you pay 5 days before due date the daily interest will begin accumulating from pay date until the next pay date so if you pay on due date next month you pay the interest saved with previous early payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I opened Checking & Savings accounts at Chase per invitation and coupon code # : XXXX XXXX XXXX XXXX Per terms Chase offered {$900.00} bonus : {$300.00} Checking for direct deposit performance - Chase has paid this amount to me.

{$200.00} Savings for depositing {$15000.00} for 90 days- Has not been paid as of XX/XX/XXXX Extra  {$400.00} - for opening both accounts and performing required actions. 

My Savings account had > {$15000.00} on deposit for the last 90 days. My Checking Account had {$800.00} at one point, but I let it dwindle down to {$0.00} for XXXX days days. On XX/XX/XXXX I sent via ACH transfer {$50.00} to Chase Checking from XXXX  XXXX XXXX. On XX/XX/XXXX, Chase closed my checking account for having a XXXX dollar balance, despite XXXX  XXXX XXXX confirming the XXXX had been completed. Chase still has my {$50.00} as of XX/XX/XXXX. 

Chase closed my checking account on the exact day ( XX/XX/XXXX ) that I earned the {$600.00} in outstanding bonus payments ( {$200.00} Savings + {$400.00} Extra bonus ). This feel predatory to me and I seek resolution. 

I spoke to a Chase representative today XX/XX/XXXX, and also asked to speak to a Supervisor who documented the situation but claimed not to be a decision maker. 

I did not want my Saving account closed. I do want to be paid the {$600.00} in outstanding bonuses which were earned prior to the account closure. They represent earned interest on the {$15000.00} I have had on deposit at Chase plus remuneration for performing to the terms of the Chase bonus offer coupon code. Chase indicated that they closed my checking account because it had a XXXX balance for 60 days. As stated I had ACH  transferred {$50.00} on XX/XX/XXXX from XXXX  XXXX XXXX which i can prove with transaction codes from that bank which I offered to the Chase supervisor today. 

I have PDF of the offer terms and have performed all direct deposit and savings deposit requirements per the coupon code.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Whom It XXXX Concern, I am submitting a formal complaint regarding the inaccurate reporting of an auto loan closed account ( Account # XXXX ). Equifax is in violation of the Fair Credit Reporting Act ( FCRA ) due to the following errors : High Balance Discrepancy : Equifax reports a high balance of {$16000.00}, which is inconsistent with other agencies balance Violation : XXXX U.S.C. XXXX ( b ) Failure to ensure maximum accuracy of information. 
Date of Last Activity : Equifax reports XX/XX/XXXX, while other agencies report date conflicts Violation : XXXX U.S.C. XXXX ( a ) Inaccurate reporting of critical dates affects delinquency tracking. 
Closed Date Missing : Equifax fails to report the Closed Date Violation : XXXX U.S.C. XXXX ( b ) Incomplete reporting of account details. 
XXXX Report : XXXX reporting date of XX/XX/XXXX is impossible and incorrect. 

Violation : XXXX XXXX. XXXX ( b ) Inaccurate reporting and failure to maintain timely updates. 
Creditor Type Inconsistency : Equifax reports the creditor type as XXXX XXXX, which conflicts with other agency reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
XXXX : XXXX XXXX : XX/XX/year> Dear, Experian XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request to delete personal information. 

I am writing to formally request the deletion of a few personal data that is incorrect, please remove the following wrong address associated with my account. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX contacted me to alledge a debt I owe and gave out my XXXX without first verifying the validity of who they were speaking to. They then threatened to take legal action when I asked for a letter of validation.

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 2024-12-17 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: PA

Complaint narrative:
I am requesting help to address the issue of an incorrect account on my credit report. This situation has damaged my reputation as a customer, and I need your intervention. These accounts must be deleted because they are being reported inaccurately and unfairly.

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 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Discover Bank regarding their refusal to process a dispute for a purchase I made using my Discover Cashback Debit Card. Despite my clear eligibility for a dispute under federal regulations, I am being denied a resolution, leaving me without recourse for my missing merchandise. 

On XX/XX/year> I placed an order with XXXX ( a seller ) and did not receive the merchandise. I have repeatedly contacted XXXX, who keeps redirecting me to the parcel XXXX and my bank. The parcel XXXX, however, has confirmed that they are unable to assist, stating that I must resolve the issue with the seller directly. Despite my efforts, XXXX refuses to refund me due to high volume of assistance. 

Under the Electronic Fund Transfer Act ( XXXX ), I understand I have the right to dispute unauthorized or incorrect electronic transactions, including instances where merchandise is not delivered. However, when I contacted Discover Bank today, they informed me that they do not process disputes for missing or undelivered merchandise, which I believe is in violation of consumer protections guaranteed to me under federal law. 

Discovers refusal to investigate and resolve this matter places undue burden on me as the buyer. I have exhausted all available options with the seller and parcel XXXX. As a financial institution, Discover Bank is obligated to protect its customers and act in accordance with federal regulations. 

I respectfully request that the Consumer Financial Protection Bureau investigate Discover Banks refusal to file a dispute for my missing merchandise. I also ask for assistance in ensuring that Discover fulfills its obligations under federal law and resolves my claim for a refund. 

Thank you for your time and attention to this issue. I look forward to your assistance in securing a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: FL

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. 


AXXXX 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 XXXXXXXX XXXX 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 2024-12-17 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: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phillips & Cohen Associates, Ltd.
State: CA

Complaint narrative:
I filed XXXX  XXXX Bankruptcy in the XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
The discharge was finalized XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX filed small claims suit against me. They never once served me and they didn't even file the paperwork in the XXXX XXXX. This is harassment and defamation. They are in violation of bankruptcy code SECTION XXXX and FDCPA collection Practices multiple violations. You can not collect on a debt that has been XXXX. This's illegal. My lawyer sent them a cease and desist letter. this information is all over the internet. it is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
When I checked my credit report today, I was alarmed to see incorrect accounts listed, and I have no explanation for how this happened. I routinely check my report, but today, I noticed these discrepancies for the first time. I thought maybe it was a browser error and refreshed the page, but they didnt disappear. XXXX begging for the documents Ive submitted to be thoroughly examined so I can finally have peace of mind.

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