vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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:
For the record, this account and the late payment reporting of XX/XX/XXXX is disputed. 
Note to XXXX and Equifax, this account has been disputed earlier this year several times and I am disputing the late payments reported on XX/XX/XXXX to my credit reports. 

I have disputed the account with XXXX XXXX as both XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and dealership XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX fraudulently created a second unauthorized retail installment sale contract dated XX/XX/XXXX, and forged a signature purported to be mine that they are using to enforce the alleged auto loan, but I never consented or had knowledge of this fraudulent contract. They created this fraudulent contract for financial gain so they could securitize the contract and receivables and sell it to a Trust entity so they could sell it on the secondary market/stock exchange while never providing me any monetary consideration. 
I sent them a 12 CFR 1026.13 and 15 USC Section 1666 notice of billing error dispute for the entire account, my account was in good standing and paid through XX/XX/XXXX, but when I learned that both parties were using the fraudulent and forged unauthorized contract dated XX/XX/XXXX to enforce the alleged auto loan they never funded, I started to withhold payments as of XX/XX/XXXX provided by the law and because we are in active litigation in the XXXX XXXX XXXX Washington Case No. XXXX and appeal with the XXXX XXXX XXXX XXXX XXXX XXXX where all evidence and documents are filed with both courts. you can view and download all case files from pacer.gov XXXX XXXX reported false derogatory information about the account being late as of XX/XX/XXXX, causing irreparable harm to my constitutional rights, liberty interests, reputation and financial stability, creditworthiness and have been harassing me and I am afraid for my life. I have reported them to the police, FBI, Federal Trade Commission, DMV, and other agencies, but XXXX XXXX and XXXX do not want to abide by the law. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: CA

Complaint narrative:
For the record, this account and the late payment reporting of XX/XX/XXXX is disputed. 
Note to Experian and XXXX, this account has been disputed earlier this year several times and I am disputing the late payments reported on XX/XX/XXXX to my credit reports. 

I have disputed the account with XXXX XXXX as both XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and dealership XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX fraudulently created a second unauthorized retail installment sale contract dated XX/XX/XXXX, and forged a signature purported to be mine that they are using to enforce the alleged auto loan, but I never consented or had knowledge of this fraudulent contract. They created this fraudulent contract for financial gain so they could securitize the contract and receivables and sell it to a Trust entity so they could sell it on the secondary market/stock exchange while never providing me any monetary consideration. 
I sent them a 12 CFR 1026.13 and 15 USC Section 1666 notice of billing error dispute for the entire account, my account was in good standing and paid through XX/XX/XXXX, but when I learned that both parties were using the fraudulent and forged unauthorized contract dated XX/XX/XXXX to enforce the alleged auto loan they never funded, I started to withhold payments as of XX/XX/XXXX provided by the law and because we are in active litigation in the XXXX XXXX XXXX Washington Case No. XXXX and appeal with the XXXX XXXX XXXX XXXX XXXX XXXX where all evidence and documents are filed with both courts. you can view and download all case files from pacer.gov XXXX XXXX reported false derogatory information about the account being late as of XX/XX/XXXX, causing irreparable harm to my constitutional rights, liberty interests, reputation and financial stability, creditworthiness and have been harassing me and I am afraid for my life. I have reported them to the police, FBI, Federal Trade Commission, DMV, and other agencies, but XXXX XXXX and XXXX do not want to abide by the law. Please help me.

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 2024-11-29 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: Rent Recovery Solutions
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { XX/XX/XXXX } RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumers. After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) .ACCOUNTS RENT RECOVERY SOLUTIONS ( XX/XX/XXXX ) under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). Sincerely, { XXXX XXXX }

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: FL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
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. ''

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 2024-11-29 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: CA

Complaint narrative:
I recently reviewed my credit report and identified a fraudulent account listed under my name. This inaccuracy is negatively affecting my ability to obtain credit. Please remove this account from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: CA

Complaint narrative:
I recently reviewed my credit report and identified a fraudulent account listed under my name. This inaccuracy is negatively affecting my ability to obtain credit. Please remove this account from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: FL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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:
the accounts shown on my report is a result of id theft

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 2024-11-29 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:
Your failure to validate disputed late payments violates the Fair Credit Reporting Act. Despite my written dispute over 30 days ago, you have not responded or provided required documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those 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 2024-11-29 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: NJ

Complaint narrative:
XXXX Account number XXXX. is reporting an open debt that is incorrect this has been paid and the account needs to be deleted, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law I intend to follow through with this if it is not rectified and I am compensated immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally dispute the late payment reported on my account with your institution ( Acct # : XXXX ). This notice of dispute is made pursuant to the principles set forth in XXXX v. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

In that case, the court recognized that a creditor has an obligation to maintain and provide accurate records to substantiate the validity of claims regarding account activity, including alleged late payments. Therefore, I respectfully request that you provide the internal records that verify the payment in question was, in fact, late. These records should clearly demonstrate : The due date of the payment ; The date the payment was received ; The processing timeline for the payment ; and Any other documentation supporting your assertion of tardiness. 

Without proper documentation, any negative reporting or charges associated with the alleged late payment must be corrected to reflect accurate account activity. If you are unable to provide this proof, I request that you promptly remove any associated late fees or negative credit reporting and confirm this in writing. 

Please respond to this dispute within the timeframe required by law. Your timely attention to this matter is appreciated. 

Thank you for your cooperation. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am an XXXX citizen, at the end of XXXX XXXX  I wanted to close my bank account at Bank of America. I wired my remaining money to my XXXX bank account and after that I called customer service to close my account. I made XXXX transaction XXXX did arrive to my XXXX bank account but the second was rejected and I was being issued a check. Unfortunatelly n the XXXX XXXX banks don't cash checks anymore, so Bank of America rules should be changed in case of overseas customers, because if they send a check to XXXX it doesn't worth a XXXX. Anyway I waited almost half a year, the check has never arrived to my address. I had no choice but to buy a ticket to XXXX XXXX from XXXX because in customer service I had no trust anymore, and I can not use check in XXXX. In XXXX I went to Bank of America to XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  ) but unfortunately the information I was being told was not correct again! The employee didn't answer to my questions about my check whereabout, and also he told me that I can only get another check in 7-10 business days which is incorrect because in urgent cases it can be done in 2-3 business days. He also told me another incorrect information, that I can open a Bank of America bank account and cash the check using their app if I am in XXXX, despite I told him I don't live in XXXX, don't have XXXX  address therefore it's not possible to open a Bank of America bank account. This employee issued another check to the place I stayed in XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX  ), despite he knew I was not going to able to receive, since I could only stay few more days. Right now I can only call their customer service again and ask them to mail the check to my XXXX address, but I doubt they will mail it, and even if they did, I can not cash it. 

My complaint is, I could reslve my issue and receive and cash my check, but of this employees mistake I am unable to get my money back and I wasted my time and money for nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-29 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
When Chase acquired First Republic Bank, my checking account transferred over. The First Republic checking account had a minimum of {$3000.00}. I read the documents for the new Chase account but did not see minimum balance requirements. After several months of the account being open, I started getting charged fees. Apparently, the account that they automatically opened for me then had a minimum balance requirement of {$15000.00} - dramatically different than the First Republic product I was using.

Chase allowed me to change my account to a lower tier product, but only refunded one of the service fees charged as a result of not carrying a {$15000.00} or greater balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I made a purchase with my Amazon Store card, issued through Chase bank, on XX/XX/year> in the amount of {$3200.00} at Amazon.com. I have since returned the item to the Amazon seller. The seller acknowledged that the item was returned in new, unused-condition, but is refusing to refund the purchase price. I'm attempting to dispute the charge through Chase, because Amazon is sending me in circles with their support system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: AZ

Complaint narrative:
Im a victim of XXXX XXXX  for the last year and have been trying to rebuild my life and my identity. While getting help from the resource center to report my identity theft, I disputed incorrect information that was being reported on my credit file and discovered that for the last XXXX my social security number has been reported incorrectly. I have been denied for credit opportunities because they could not verify my information. I was confident that I was supplying the correct information but was still denied. Also my name was also reported incorrect which also has caused potential credit opportunities for me to be denied. This is unfair practice under the laws that protect me.

Company response to consumer: Closed with explanation