vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 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: AL

Complaint narrative:
XXXX XXXX XXXX with the following account information is reporting to the Credit Reporting Agencies as a Charge off since XXXX of XXXX on XXXX with a status of Account charged off. {$32000.00} written off. {$26000.00} past due as of XX/XX/XXXX. However, I have not received a XXXX which Form 1099-C : Cancellation of Debt is required by the Internal Revenue Service ( IRS ) to report various payments and transactions made to taxpayers by lenders and creditors. These entities must file Form 1099-C if {$600.00} or more in debt was canceled or forgiven.

XXXX  is also reporting inaccurate and inconsistent information across the different Credit Bureaus which is a violation of the FCRA. 

The amount of late payments are different with each bureau. The status of the account is also different across each Bureau.

For Example, on XXXX, XXXX XXXX XXXX shows an original balance of {$36.00}, XXXX with a last payment date of XX/XX/XXXX but does not disclose the amount and a past due balance of {$26000.00}. On XXXX, XXXX reports no information from XXXX XXXX XXXX  but reports XXXX of XXXX as 30 days past due, XXXX of XXXX as 60 days past due, and XXXX of XXXX as 90 days past due. 
In XXXX, XXXX reports XXXX as 30 days past due, XXXX as 60 days past due, XXXX as 90 days past due, XXXX as 60 days past due, XXXX as 90 days past due with XXXX of XXXX being paid on time. In XXXX, XXXX reports XXXX as 30 days past due, XXXX as 60 days past due, XXXX as 90 days past due and as a Charge off beginning in XXXX of XXXX. 

On Equifax, XXXX Shows the date of the last payment in XXXX of XXXX in the amount of {$560.00}. XXXX reports no information from XXXX XXXX XXXX but reports XX/XX/XXXX as 60 days past due, XXXX of XXXX as 60 days past due, XXXX of XXXX as 60 days past due, and XXXX of XXXX as 90 days past due. In XXXX, XXXX reports XXXX as 60 days past due, XXXX as 90 days past due, XXXX as 120 days past due, XXXX as 90 days past due, XXXX as 120 days past due with XXXX of XXXX being paid on time. In XXXX, XXXX reports XXXX as 06 days past due, XXXX as 90 days past due, XXXX as 120 days past due and as a XXXX off beginning in XXXXXXXX XXXX  XXXX. 

On XXXX, XXXX reports remarks that read Charged off as bad debt|Profit and loss write-off. XXXX is currently reporting no payment history with a balance due of {$26000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: AL

Complaint narrative:
XXXX XXXX XXXX with the following account information is reporting to the Credit Reporting Agencies as a Charge off since XXXX of XXXX on Experian with a status of Account charged off. {$32000.00} written off. {$26000.00} past due as of XX/XX/XXXX. However, I have not received a XXXX which Form 1099-C : Cancellation of Debt is required by the Internal Revenue Service ( IRS ) to report various payments and transactions made to taxpayers by lenders and creditors. These entities must file Form 1099-C if {$600.00} or more in debt was canceled or forgiven. 

XXXX is also reporting inaccurate and inconsistent information across the different Credit Bureaus which is a violation of the FCRA. 

The amount of late payments are different with each bureau. The status of the account is also different across each Bureau.

For Example, on Experian, XXXX XXXX XXXX shows an original balance of {$36.00}, XXXX with a last payment date of XX/XX/XXXX but does not disclose the amount and a past due balance of {$26000.00}. On Experian, XXXX reports no information from XXXX XXXX XXXX but reports XXXX of XXXX as 30 days past due, XXXX of XXXX as 60 days past due, and XXXX of XXXX as 90 days past due. 
In XXXX, XXXX reports XXXX as 30 days past due, XXXX as 60 days past due, XXXX as 90 days past due, XXXX as 60 days past due, XXXX as 90 days past due with XXXX of XXXX being paid on time. In XXXX, XXXX reports XXXX as 30 days past due, XXXX as 60 days past due, XXXX as 90 days past due and as a Charge off beginning in XXXXXXXX XXXX XXXXXXXX. 

On XXXX, XXXX Shows the date of the last payment in XXXX of XXXX in the amount of {$560.00}. XXXX reports no information from XXXX XXXX XXXX but reports XX/XX/XXXX as 60 days past due, XXXXXXXX XXXX XXXXXXXX as 60 days past due, XXXX of XXXX as 60 days past due, and XXXX XXXX XXXXXXXX as 90 days past due. In XXXX, XXXX reports XXXX as 60 days past due, XXXX as 90 days past due, XXXX as 120 days past due, XXXX as 90 days past due, XXXX as 120 days past due with XXXX of XXXX being paid on time. In XXXX, XXXX reports XXXX as 06 days past due, XXXX as 90 days past due, XXXX as 120 days past due and as a XXXX off beginning in XXXX of XXXX. 

On XXXX, XXXX reports remarks that read Charged off as bad debt|Profit and loss write-off. XXXX is currently reporting no payment history with a balance due of {$26000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NM

Complaint narrative:
I am disputing inaccuracies on my credit report concerning an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, complete, and verifiable reporting. I have identified the following issues with this account : Identified Issues : XXXX. Inconsistent Comments Across Credit Bureaus : TransUnion : Dispute resolved ; customer disagrees. 
XXXX : Subscriber reports dispute resolved - consumer disagrees. 
XXXX : Consumer disputes after resolution ; closed or paid account/XXXX  balance. 
These inconsistent comments create confusion for lenders and may indicate unresolved disputes, despite the account being paid and closed.

2. Late Payment Reporting on a Closed Account : The payment history shows multiple 30-day late marks for a closed account with a {$0.00} balance. If the account is resolved and paid off, such marks should not appear unless accurate and verified.

3. Failure to Properly Update or Remove Dispute Comments : If the dispute is resolved, the comments section should reflect this. Leaving dispute-related remarks misrepresents the accounts current status. 
XXXX. Inconsistent Reporting Across Bureaus : XXXX uses inconsistent terms, reporting Closed or paid account/zero balance, while others simply state Closed or Paid. 
5. Inaccurate Reporting of Payment History : The presence of 30-day late marks on all three bureaus payment history while the account is current, paid, and closed with a {$0.00} balance could be misleading. 
Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must ensure accuracy and consistency in reporting. The discrepancies in dispute comments and payment history violate this requirement.

2. 15 U.S.C. 1681i ( a ) : Failure to Conduct a Proper Investigation : If the dispute was resolved and the information remains incorrect, the credit bureaus may have failed to investigate and correct the errors properly.

3. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor ( XXXX XXXX ) may be furnishing inaccurate or misleading information regarding payment history and dispute resolution.

4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Late payments or dispute comments may be obsolete and improperly retained beyond the allowable reporting period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: NM

Complaint narrative:
I am disputing inaccuracies on my credit report concerning an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, complete, and verifiable reporting. I have identified the following issues with this account : Identified Issues : XXXX. Inconsistent Comments Across Credit Bureaus : XXXX : Dispute resolved ; customer disagrees. 
Experian : Subscriber reports dispute resolved - consumer disagrees. 
XXXX : Consumer disputes after resolution ; closed or paid account/XXXX  balance. 
These inconsistent comments create confusion for lenders and XXXXay indicate unresolved disputes, despite the account being paid and closed.

2. Late Payment Reporting on a Closed Account : The payment history shows multiple 30-day late marks for a closed account with a {$0.00} balance. If the account is resolved and paid off, such marks should not appear unless accurate and verified.

3. Failure to Properly Update or Remove Dispute Comments : If the dispute is resolved, the comments section should reflect this. Leaving dispute-related remarks misrepresents the accounts current status. 
XXXX. Inconsistent Reporting Across Bureaus : XXXX uses inconsistent terms, reporting Closed or paid account/zero balance, while others simply state Closed or Paid. 
5. Inaccurate Reporting of Payment History : The presence of 30-day late marks on all three bureaus payment history while the account is current, paid, and closed with a {$0.00} balance could be misleading.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must ensure accuracy and consistency in reporting. The discrepancies in dispute comments and payment history violate this requirement.

2. 15 U.S.C. 1681i ( a ) : Failure to Conduct a Proper Investigation : If the dispute was resolved and the information remains incorrect, the credit bureaus may have failed to investigate and correct the errors properly.

3. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor ( XXXX XXXX ) may be furnishing inaccurate or misleading information regarding payment history and dispute resolution.

4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Late payments or dispute comments may be obsolete and improperly retained beyond the allowable reporting period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of tge alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX. {$66.00}, XXXX XXXX XXXX XXXX. {$160.00}, XXXX XXXX XXXX XXXXXXXX. {$27000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of tge alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX. {$66.00}, XXXX XXXX XXXX XXXX. {$160.00}, XXXX XXXX XXXX  XXXX. {$27000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: TX

Complaint narrative:
I recently reviewed my credit file and noticed positive missing credit card information. 

Type : Credit Card Company : XXXX XXXX  Date Opened : XX/XX/year> Please add this account to my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting act whenever a consumer Reporting agency prepares a consumer report it shall follow reasonable procedures to assure Maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 168 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer Reporting agency shall - ( I ) promptly delete that item of information fromt the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted fromt the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit 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 explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I'm writing to express my concern about my Capital One charge card account. Despite having only made legitimate transactions, they closed my card and i was asking for reason i was not giving then I received an email stating that I wasn't meeting the terms of my usage. 

when i opined the card Ive contacted the underwriting department and i went through the underwriting processes supplying all necessary documents to confirm my limits before using the card. Now, I have an outstanding balance, and since it's a charge card, I'm facing difficulties in paying it off without being able to charge again. 

I had requested a payment plan, but unfortunately, it was denied. I would appreciate it if we could revisit this decision and explore alternative options for resolving the outstanding balance. 

Please let me know the next steps to resolve this matter. I look forward to hearing from you soon. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
This charge-off has exceeded 180 days, and the account has been finalized and closed. Under federal guidelines, creditors must either write off or resolve such accounts after 180 days of delinquency. As the account is no longer active and should not reflect as open, I am requesting a review and removal of this charge-off from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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 did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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 did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I was at the atm when it said there was an error with the money I inserted and it kept it for security. Ive called a couple of times since then and everyone has given a different answer and non of them have been accurate/correct. I just want my money back and its insane that nobody can seem to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: CA

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 2024-12-01 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: GA

Complaint narrative:
I am filing this complaint regarding unauthorized and fraudulent accounts that remain on my records despite my timely submission of the necessary documentation, including a detailed letter noting the fraudulent activity. 

Details of the Issue : I provided documentation, including police report, identity theft affidavit regarding accounts fraudulently opened in my name. 
Per the institution 's own policies and federal guidelines, these accounts were to be blocked and removed within four business days.

To date, these accounts remain active, causing significant harm to my credit profile and financial well-being. 
Despite my thorough efforts, I have not received resolution. I believe this is an unnecessary and intentional delay. This failure to act violates my consumer rights under federal law.

Requested Action : I demand the following : Immediate removal of all fraudulent accounts from my records.

Written confirmation of the resolution within seven business days.

Assurance that no further delays or stall tactics will occur.

I have attached all supporting documentation, including the letters and reports I previously sent to the institution. This situation is unacceptable, and I expect swift corrective action to prevent further harm. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc
State: NV

Complaint narrative:
I went to the emergency room at hospital ( first time in a decade ) and I told them I did not have medical insurance ( I am now on XXXX ). I was there for less than 2 hours and they found nothing wrong ( said I maybe pulled a muscle ). I received a {$24000.00} bill from the hospital and 2 other bills from doctors totaling another approx. {$9000.00}. There is NO WAY I can pay this absurd amount and no one told me an estimate of what it was going to cost when I went in. I told them ( with my husband as my witness ) that I did NOT want certain tests they were doing- and they did them anyway ( hence the outrages doctor bills ). I can not pay this ( I could not afford {$1100.00} a month for medical insurance either )!! I asked the ER room staff if I needed to pay anything when I checked in and they said " No ''. They were giving me meds that I was screaming I did not want!

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