vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-11-13 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: Valley Collection Service, LLC
State: AZ

Complaint narrative:
Ive never lived at the address in question. I asked them to prove that they had the right person because it wasnt me and they didnt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: Credit Systems International, Inc.
State: AL

Complaint narrative:
XX/XX/XXXX. 2024 I sent a simple opt out letter to XXXX XXXX XXXX when I saw that they were on my report and I didnt establish a relationship with them, to report on my credit report. I am escalating by asking for proof that this is my account, and that weve established a relationship of business. 
1. Privacy Rights Violation : Under FCRA 15 USC 1681 and 15 USC 6801, consumer reporting agencies ( XXXX, XXXX, XXXX ) are required to respect consumers privacy rights. XXXX XXXX XXXX, as a financial institution, is also obligated to protect my personal information. However, my private information has been shared without my permission, violating my rights. 
2. Requirement : According to FCRA 15 USC 1681 section 604, consumer reporting agencies may only share a consumer report with the written consent of the consumer. I did not provide written consent for XXXX XXXX XXXX, XXXX, XXXX, or XXXX to furnish my information, and I hereby revoke any prior consent, whether implied or explicit. 
3. Failure to Inform of Nondisclosure Option : Under 15 USC 6802, financial institutions must inform consumers of their right to opt out of information sharing with third parties. XXXX XXXX XXXX did not provide this disclosure, denying me the chance to exercise my nondisclosure option. 
4. Inaccurate Reporting : FCRA 15 USC 1681s-2 prohibits furnishing information that is known or believed to be inaccurate. XXXX, XXXX, and XXXX have failed to maintain procedures to ensure the accuracy of their reporting, as required by FCRA 15 USC 1681e.

5. Opt-Out Right : As stated in 12 CFR 1016.7, I have the right to opt out of having my information reported, and I am exercising that right. 
My report shows XXXX discrepancies in payment history which is also a violation of my right to privacy under the XXXX XXXX XXXX which falls under 15 U.S.C. 6801 and 6802. I was not given the safeguard to opt out of sharing my private information to third parties, which negatively affects my report. 
XXXX. Gross income and Returns Relating to the cancellation of indebtedness : XXXX XXXX. XXXX ( a ) ( XXXX ) & XXXX XXXX XXXX XXXX charge off and collections are income from discharge of indebtedness.If a creditor cancels or forgives a portion of a debt, the canceled amount can be considered taxable income for the debtor, as they are no longer obligated to repay it. The institutions that placed accounts into charge off status or collections never sent a XXXX for me to file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX, XXXX. on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$4400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX requires the merchant to contact their bank that is connected to the feature ( Bank of America in my case ). Scammer 's XXXX  profile stats looked good, but I was scammed out of a deposit amount of {$370.00}, with an agreement that I pay the remaining balance in cash upon delivery of the cream colored sectional sofa she posted. I sent via XXXX to XXXX XXXX XXXX ( a roommate ) per " XXXX 's '' request I later found out XXXX resides at XXXX XXXX XXXX, XXXX, TX XXXX. Her phone is registered to XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX : ( XXXX ) XXXX XXXX $ XXXX XXXX  XXXX  : " XXXX '' $ XXXX XXXX  I am almost certain, " XXXX, '' " XXXX, '' and XXXX XXXX are all the same person, contrary to XXXX stating they were her roommates, whom of which would be helping load and deliver the furniture. XXXX initially responded via XXXX, but then messaged via text from ( XXXX ) XXXX. I won't be able to recover what I've lost today, but hopefully, I can prevent someone else from being scammed. Incident occurred on XX/XX/year> ( XXXX, GA )

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 2024-11-13 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Isent BELK/SYNCHRONY BANK certified mail, so they signed for it and they refused to accept my payment. 

According to UCC Article 3, " dishonored '' refers to a situation where a drawee ( a bank or other financial institution ) refuses to accept or pay a draft ( a type of check or other negotiable instrument ) presented to it. This can occur for various reasons, such as insufficient funds, a stopped payment order, or a closed account. 

Here 's the specific language from UCC Article 3 : " Dishonor of an instrument occurs when : A drawee refuses to accept or pay an instrument presented for aCceptance or payment ; or An instrument is presented for acceptance and the drawee does not accept it. ( UCC subsection 3-502 Dishonor ) Here are some additional examples of a dishonored negotiable instrument : XXXX. Bounced check : A check is returned due to insufficient funds in the account. 
XXXX. Stopped payment : A check is presented, but the drawer ( the person who wrote the check ) has ordered the drawee ( the bank ) to stop payment on the instrument. 
XXXX. Closed account : A check is presented, but the account has been closed, and the drawee refuses to pay. 
XXXX. Invalid signature : A signature on the instrument is forged or unauthorized, leading to dishonor. 
XXXX. Expired instrument : A check or draft is presented after its expiration date or stale date usually 6 months after the date of issue ). 
XXXX. Drawee 's refusal : The drawee ( bank ) refuses to accept or pay the instrument for any reason, such as a dispute with the drawer or a suspicious transaction. 
XXXX. Technical errors : The instrument contains errors, such as a missing signature, incorrect date, or invalid amount, leading to dishonor. 

In the dishonor section of ucc 3, it says nothing about how they can dishonor any instrument for any random reason. In fact, ucc 3-603 ( b ) says that if they reject it unjustifiably then it still applies as a payment regardless. Is the rules listed in UCC 3-502 the only rules that govern dishonor?

In section 6 it specifically says '' drawee 's refusal ' i don't see that language anywhere in UCC 3. Am i missing something?

UCC 3-502 provides the specific reasons for dishonor. and it does not include drawees refusal or any random reason as grounds for dishonor.

UCC 3-603 ( b ) states that if a drawee rejects an instrument unjustifiably, it is still considered a payment.

UCC 3-502 is the primary section governing dishonor. and it explicitly lists the reasons for dishonor, including : Presentment not made within the time limits Insufficient funds No account or account closed Stop payment order Forged or unauthorized signature Material alteration Instrument not payable in the United States

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 2024-11-13 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$60000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-13 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX, XXXX. on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$4400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief