vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 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: MI

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX. XXXX, XXXX Account # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-02-24 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: NJ

Complaint narrative:
Hello, my name is XXXX XXXX and this statement is being composed by me. Per the Fair Credit Reporting Act, these accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of 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 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I noticed on XX/XX/XXXX that two charges occurred on my Citibank American XXXX credit card. I disputed both charges online. I waited for Citibank to respond back and we called them early XXXX to see the status ( which can take up to 60 days ). They said they are still investigating. When I called again in early XXXX, they said it was resolved but I told them I still see the charges on my account. They stated that they sent a letter asking for more information but I told them we NEVER received it. So they reopened the case again and on XX/XX/XXXX, they sent a letter online stating that I need to write a statement on what happened on the very same letter and to either email it or fax it back to them. So on XX/XX/XXXX, I sent all required information by email and they confirmed receipt. I called again XX/XX/XXXX and she confirmed receipt and it was still in dispute. I called XX/XX/XXXX and they claimed they didn't receive the information, and when I provided the date, she found they did have it and reopened the case. I have asked for this to be resolved as this has been going on for months now. 

This has been going on now for SIX MONTHS and Citibank is reporting to the three credit bureaus that I am late on my account ( even thought they confirmed that the account is in dispute and I do not have to pay a XXXX while this dispute is still happening ) and my credit is now damaged. How do I know this? Because I asked for a credit line increase on another Citibank credit card account and I was denied and the reasons stated were " late payments '' and " delinquent account on an associated account ''. It is plainly obvious that Citibank 's dispute department is badly organized and don't know what they are doing. Now my good name has been tarnished and who knows how many other consumers that Citibank is doing this to.

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 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I made a reservation using XXXX for XXXX XXXX in XXXX XXXX. Upon arrival, XXXX XXXX could not locate my reservation. I contacted XXXX. XXXX insisted my reservation existed. XXXX XXXX checked all of their systems and sister properties and could not locate a reservation under any confirmation codes or numbers that I received from XXXX. XXXX refused to issue a refund. I filed a dispute with Chase for the prepaid XXXX reservation. The dispute was denied despite XXXX not providing the reservation service or a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was reviewing my credit profile and saw hard inquiries that are not mine on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Prosper Marketplace, Inc.
State: MD

Complaint narrative:
XX/XX/2024, I received another email from XXXX stating that I applied for a loan. I did not and have not ever applied for a loan through prosper.com. I have no inquiries on my credit report since I have never applied for a loan or any financial instrument from prosper.com, ever. They responded to my XX/XX/2024 complaint stating I applied for a loan from them but I did not and did not XX/XX/2024 but received another email stating that I have. Please escalate this issue or give me any information I can use to stop prosperXXXX from sending me emails stating I have applied for loans from them but I have not. This is an issue that a company can falsely accuse you of apply for a loan without having any information to support their claim of accessing my credit profile. This is a predatory practice that should be investigated and they should be held liable for their fraudulent actions.

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 2024-02-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: AZ

Complaint narrative:
On XX/XX/XXXX I discovered a purchase for $ XXXX to a company called XXXX XXXX XXXX XXXX XXXX XXXX It was weeks before XXXX and I was without half of my social security payment because of this fraudulent purchase. I am retired and XXXX and need every cent that I get in for social security especially before XXXX. I contacted Direct Express Payment Processing Services ( my social security money gets deposited directly onto this card ) and they said they would look into it. I received a letter early XXXX ( this month ) saying {$400.00} of the $ XXXX would be deposited back to my account while they are still investigating the fraudulent purchase. The money apparently went back into my account but they immediately took it back out because they said that XXXX XXXX ( the company that authorized the fraudulent purchase ) disputed the purchase. I XXXX XXXX have never heard of XXXX XXXX before this purchase was made and I did NOT authorize this purchase. It was weeks before XXXX and when a manager from XXXX. emailed me I didn't not trust them at the time and I did not respond back. I have XXXX XXXX due to a XXXX. I have submitted the best I can any proof or information. Thank you. XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I have no idea what this is and they have sent me junk mail for 2 years. I just got a subpoena for a court date in XXXX if I dont pay Portfolio Recovery for a debt I dont even know what it is. Ive never been a member of XXXX XXXX and they have been calling me 10+ times a day for 2 years its so annoying and for {$1700.00} that I dont even know what its for?! I have to mute my phone during the day because Im harassed by spam calls all the time and I have a serious job so I cant have these calls interrupting work or other important calls and meetings. Its disgusting the predatory tactics these people take.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: MI

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.

I told Experian, XXXX XXXX XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX  Account # XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Upon reviewing my credit report, I noticed entries related to transaction history that I believe are not relevant to my creditworthiness. 

I would like to bring to your attention that reporting transaction history, as opposed to credit-related information, may not comply with the Fair Credit Reporting Act ( FCRA ). I request a thorough investigation into the accuracy and relevance of these entries. 

The transactions in question do not reflect my creditworthiness and may not be legally reportable.

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX keeps reporting an account I never had and its marking I have a balance due. Its not my account I dont own it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to dispute a hard inquiry that appears on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an investigation into the validity of the inquiry and its compliance with FCRA regulations. BANK OF AMERICA ( Bank Credit Cards ) This is what I reviewed and I believe that this hard inquiry was made without permissible purpose or without my consent, which violates my rights under the FCRA. According to FCRA Section 604, inquiries into my credit report must have a permissible purpose and must be initiated with my consent. I have not authorized this inquiry, nor do I have any association with the company listed. Furthermore, FCRA Section 611 requires that inaccurate or unverifiable information be promptly corrected or removed from my credit report. Since this inquiry was made without my consent and does not reflect any legitimate credit activity on my part, it is both inaccurate and unverifiable. I am hereby requesting that CFPB investigate this matter and provide documentation verifying the legitimacy of the hard inquiry. If no such documentation can be provided, I request that the inquiry be promptly removed from my credit report in accordance with FCRA regulations. Please provide written notification of the results of your investigation and any actions taken to address this dispute within the timeframe specified by FCRA Section 611.Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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 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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AP

Complaint narrative:
In accordance with 16 CFR Part 641 of the FCRA, I request that the address discrepancy of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX be deleted off both my XXXX and Equifax credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
B OF A HAS FAILED TO UPDATE MY RECORDS, DESPITE NUMEROUS ATTEMPTS TO REACH OUT TO THEM. B OF A HAS NOT CREDITED MY ACCOUNT FOR TWO SEPARATE CREDITS FROM XXXX DESPITE EMAILS FROM XXXX DOCUMENTING THEIR CREDITS TO MY ACCOUNT. B OF A HAS FAILED TO INVESTIGATE A DUPLICATE CHARGE MADE BY MODERN THAI HOTEL DESPITE PROVIDING THEM WITH DOCUMENTS SUPPORTING MY POSITION. B OF A HAS REFUSED TO CREDIT MY ACCOUNT WITH AN ALREADY EARNED XXXX OF CASH REWARD POINTS UP UNTIL B OF A ABRUPTLY CLOSED MY ACCOUNT WITHOUT PROVIDING ME WITH ANY REASONS FOR THEIR ACTION AFTER BEING A LOYAL CUSTOMER FOR OVER 14 YEARS. IN FACT B OF A OWES ME MONEY AFTER CORRECTING THEIR RECORDS AND CREDIT MY ACCOUNT PROPERLY. B OF A MUST ISSUE AN APOLOGY AND CORRECT ALL THEIR ERRORS IN THEIR 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 explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I made a payment online for the full statement balance to be paid on the due date. The Payment was not processed by the bank and I was charged a late fee of {$39.00} and an interest charge of {$74.00}. I then received a late notice and made the late payment amount specified.

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 2024-02-24 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: DISCOVER BANK
State: NY

Complaint narrative:
In accordance with Credit Reporting Act, this creditor has violated my rights under 15 U.S. Code 1681, section 602 states I have the right to privacy. 15 U.S. Code 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written consent. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime has been a horrible experience. I submitted a dispute with them because my wallet was stolen. They denied my disputes within minutes of them being submitted. They dont want to provide me with any information. I received text messages about the withdrawals and replied No I did not authorize any of those transactions. Their response was that the funds will NOT be pulled from my account. Well, the funds were pulled and they will not refund me the money. Please help!

Company response to consumer: Closed with explanation