vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 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: GA

Complaint narrative:
Experian, & XXXX continue to report the account XXXX XXXX XXXX Account # XXXX incorrectly. Financial institutions do incur losses at all. They are FDIC insured which means the account is covered and can not be charged off. They also have no access to my financial records to obtain them to verify late payments. If they do this is a violation of my privacy. If they do not provide me with the evidence to prove what they are reporting I will sue.

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 2024-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a fraud alert txt from Chase Bank on XX/XX/year> at XXXX A.M PST informing me they had declined a transaction for XXXX XXXX XXXX in the amount of {$1100.00} and asking me if I authorized the following transaction. I immediately had responded back on XX/XX/year> at XXXX XXXX XXXX said no and Chase bank had immediately informed they have declined such a transaction with XXXX XXXX XXXX XXXX  and closed my debt card and ordered a replacement card. Then Chase allows a fraudulent transaction to the same merchant XXXX XXXX XXXX XXXX XXXX  in a much higher amount of {$2600.00} on XX/XX/year> after I have informed Chase this is fraud. I immediately have filed a dispute to obtain my funds back from the following fraudulent transaction. Chase have provided me with a temporary credit and then reversed back the credit on XX/XX/year>. I contacted Chase Bank to inquire why they took away the credit and Chase informed me they are taking the credit back because their investigation they had conducted shows the card was used with a Pin number for the following transaction. I have informed Chase that I never authorized such a transaction and was not at the location and never used my pin number with that merchant on XX/XX/year>. In addition, I had asked Chase why would they allow such transaction to go through when I had informed them via txt this is fraud on the same date and for a smaller transaction amount. Chase never conducted any investigations on my dispute and simply took short cuts to blame me for such a transaction. Chase is conducting fraudulent business practices that is unethical and discriminatory to not conduct full investigation on my claim. I shared pictures of the date and time of the txt messages I had received that same day from Chase and still they are not willing to investigate and provide me with my money back. I have been in the financial industry for over XXXX years and I had seen many clients have experienced the same kind of fraud including pin.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: NY

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2024-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
National Credit Systems called out to me multiple times. I asked for them to verify their license number and agent refused. stated that where will be no change to my credit because I didn't pay rent. I checked online and National Credit Systems IS NOT licensed to collect in XXXX at all. 
XXXX ID : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Mailing Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX letter will be sent in mail this week, This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( XXXX ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: MD

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 account listed without my expressed written consent.

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 2024-06-10 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: 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.

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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
First of all XXXX keeps taking my score down and Im paring all my creditors on time as agreed. XXXX recently took my credit score down XXXX points. Ever since I opened a XXXX XXXX XXXX XXXX my credit score has decreased by the XXXX. 

XXXX reasoning for this low score is very contradicting.. XXXX, Trans Union , XXXX are affecting peoples ability to qualify for decent housing and transportation, which affects peoples ability to earn a living. 

Its a shame how my credit score is being decreased in such large numbers in such short period of time. Reaching out to these credit reporting agencies to no good. They continue to side with the merchant. Lets face it, they stand to make money if you feel forced to monitor your credit. This is so unfair. I feel like more than just my credit rights are being violated by all three agencies. 

Please see emails from XXXX inviting to apply with XXXX XXXX. Only emails I received from XXXX are emails trying to encourage me to take loans and sign up for their membership plan, advertisements, money marketing. See attachments One thing about resolution, you cant get it from these credit reporting agencies. No resolution abd no cooperation. Its senseless referring consumers back to them. Who is regulating them to be sure they are updating information and being fair, not deceptive and negligent.

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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
First of all XXXX keeps taking my score down and Im paring all my creditors on time as agreed. XXXX recently took my credit score down XXXX points. Ever since I opened a XXXX XXXX XXXX XXXX my credit score has decreased by the XXXX. 

TGEIR reasoning for this low score is very contradicting.. XXXX, XXXX XXXX XXXX Experian are affecting peoples ability to qualify for decent housing and transportation, which affects peoples ability to earn a living. 

Its a shame how my credit score is being decreased in such large numbers in such short period of time. Reaching out to these credit reporting agencies to no good. They continue to side with the merchant. Lets face it, they stand to make money if you feel forced to monitor your credit. This is so unfair. I feel like more than just my credit rights are being violated by all three agencies. 

Please see emails from Experian inviting to apply with XXXX XXXX. Only emails I received from XXXX are emails trying to encourage me to take loans and sign up for their membership plan, advertisements, money marketing. See attachments One thing about resolution, you cant get it from these credit reporting agencies. No resolution abd no cooperation. Its senseless referring consumers back to them. Who is regulating them to be sure they are updating information and being fair, not deceptive and negligent.

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 2024-06-10 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I see an inquiry on my credit report from your company. What was the reason behind your company pulling my credit reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to conduct a reasonable investigation into disputed items on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I mailed a dispute letter to TransUnion via XXXX certified mail, tracking number # XXXX XXXX XXXX XXXX XXXX XXXX, explicitly requesting an investigation into inaccuracies present on my credit report. Additionally, I disputed incorrect personal information listed on my report. In order to assist TransUnion in verifying my identity and address, I included essential documents such as a copy of my photo ID, social security card, and a recent bill displaying my current address. 

Despite these efforts and the legal obligations outlined in the FCRA, TransUnion has failed to conduct a reasonable investigation into the disputed items on my credit report. Instead, I received a response from TransUnion dated XX/XX/XXXX, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

The FCRA clearly mandates that if a consumer disputes the completeness or accuracy of any information within their file at a credit bureau, the bureau is legally obligated to conduct a reasonable reinvestigation to verify the accuracy of the disputed information. TransUnion 's failure to fulfill this fundamental requirement constitutes a violation of my consumer rights. 

Enclosed with this complaint is a copy of the dispute letter sent to TransUnion, along with XXXX mail proof of delivery and TransUnion 's response, serving as undeniable evidence of my attempt to rectify these inaccuracies.

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 2024-06-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This inquiries appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
The Original company XXXX XXXX bank issue a card to someone with a simplier name or social as mine this is a fraud account open in my name without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Upon review of my consumer report with XXXX through my free account with their company, I noticed that a company I disputed with named Comenity Bank regarding accuracy on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX through the CFPB per complaint numbers : XXXX, XXXX, and XXXX failed to notate and alert the consumer reporting agencies that the accounts were in dispute. There is currently an existing statement saying, " This item was updated from our processing of your dispute in XXXX XXXX. '' I had disputed two accounts from this company based on the fact that they reported duplicate accounts. Comenity Bank is in violation of the Fair Credit Reporting Act 15 USC 1681s-2 ( 3 ) ( 3 ) Duty to provide notice of dispute. ( 3 ) Duty to provide notice of dispute. " If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to dispute off this negative accounts on my credit report. 

Equifax : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$1000.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number XXXX XXXX {$970.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$24000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$270.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$970.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$24000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX COAF Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$1000.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: NJ

Complaint narrative:
I reached out to the 3 major credit bureaus to assist me and requested deletion on account errors on my account. Only XXXX helped me and complied on the removal of errors, while Equifax and XXXX required to report it to police or FTC for Bad Business Practice and Unauthorized Inquiries negatively impacting my credit report. 

Transunion Errors for removal : XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX  XXXX XXXX - XX/XX/XXXX Equifax Errors for removal : XXXX. XXXX  XXXX ( Duplicate and unauthorized ) - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX - XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: NJ

Complaint narrative:
I reached out to the XXXX major credit bureaus to assist me and requested deletion on account errors on my account. Only Experian helped me and complied on the removal of errors, while XXXX and XXXX required to report it to police or FTC for Bad Business Practice and Unauthorized Inquiries negatively impacting my credit report. 

Transunion Errors for removal : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX Errors for removal : XXXX. XXXX  XXXX ( Duplicate and unauthorized ) - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/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 2024-06-10 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: CA

Complaint narrative:
XX/XX/XXXX I filed a claim and XX/XX/XXXX I filed another claim for new transactions involving a merchant from the dispute filed XX/XX/XXXX. I requested them to block the merchant and I suppose they did not. I urgently need my money back. 

Also after filing the claims my online access gets revoked and get no help over phone and I'm demanded to step into the branch when I live in XXXX. So NO money NO access how do they demand me to step in.

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 2024-06-10 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: TX

Complaint narrative:
I have reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to their best ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the PDF. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to be paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the PDF attached.

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