vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
15 USC 1681 Section 602 States I Have A Right To Privacy. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section2 : It Also States a consumer reporting age 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 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 instructions of the consumer to whom it relates.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have filed an IDTR report and told the bureaus of credit reporting to take down my loan with XXXX. They have not done so and now I have lost {$2000.00} in tradeline credit. XXXX XXXX  called me stating that an account is in delinquency status, so they dropped my tradeline amount. This is the fault of the CRAs because they did not remove the accounts I asked them to remove. THESE ARE NOT MY ACCOUNTS. I am going to sue if the account is not taken off 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 non-monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
This company fraudulently claims that I owe them a debt. We have never had a contractual relationship and they have failed to provide lawful debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I have communicated them and sent several request to do the investigation and send me results but I never receive any response from this company, so they are just ignoring my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate charged off account on my credit reports that I have been disputing for a while now. 

This account is reporting inaccuracies on my reports with each credit bureau with different open dates, payment date and active dates. How are the bureaus able to verify inaccurate and inconsistent information? I am sure this is against the law per the FCRA. It is their job as the consumer reporting agencies to conduct proper investigations and report 100 % accurate information. I know for a fact that if they are verifying inconsistent information that this account surely can not be verified as accurate. 

I am requesting that this account is deleted from my reports and an updated copy of my reports is mailed to my address!

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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I am writing to dispute the accuracy of my credit report and request that you delete all inaccuracies as required by the Fair Credit Reporting Act ( FCRA ). The following accounts, Account name : 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 XXXX XXXXXXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Under 15 U.S.C 1681 section 602 A, I have the right to privacy. Additionally, under 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. The credit bureaus are obligated to follow these laws and any violations will result in an inaccurate credit report.

Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) Section, no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. As such, any adverse information related to the accounts listed above should be removed from my credit report.

Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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. As such, I request that the credit bureaus investigate the accuracy of these accounts and delete any inaccurate information.

I would appreciate it if you could notify me in writing of any actions taken as a result of my request. Thank you for your attention to this matter.

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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
I had an orginal account with XXXX XXXX XXXX  which was sold and own to NCB management services incorporated. On XX/XX/2023 I reached out to NCB management and spoke with a supervisor and I ask when I pay off what I owe can you please delete the account from my credit report because I am trying to get an auto loan via my bank. He agreed ( there is a video recording through them ) and that it should be deleted in 2-3 weeks. I notice on XX/XX/2023 that they did report to the credit buearu that it is paid but however it is still on my credit report. I called the same day to ask if someone can put in writing on what was agreed concerning the account being deleted they said no one can do it and to call back next week to get a receipt of the payment which I will not receive until two weeks later. I called XX/XX/2023 to explain the situation and again another dead end one can write the agreement but will send me a receipt in 14 days. I mainly want a written statement from them agreeing to deleting my account and my receipt hope someone can help. NCB phone number : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate charged off account on my credit reports that I have been disputing for a while now. 

This account is reporting inaccuracies on my reports with each credit bureau with different open dates, payment date and active dates. How are the bureaus able to verify inaccurate and inconsistent information? I am sure this is against the law per the FCRA. It is their job as the consumer reporting agencies to conduct proper investigations and report 100 % accurate information. I know for a fact that if they are verifying inconsistent information that this account surely can not be verified as accurate. 

I am requesting that this account is deleted from my reports and an updated copy of my reports is mailed to my address!

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 2023-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Target is reporting a charged off card on my reports that I have disputed directly with them. I sent them a letter requesting validation and all documents concerning this debt. I have yet to receive anything from them in response and I sent this letter on XX/XX/2022. 
The credit bureaus are verifying inconsistent information regarding this account with the credit bureaus. There are different account numbers, last payment dates, last active dates and open dates. This account is also reporting paid and current with one bureau and charged off and derogatory with the other bureaus. There are also comments stating that this account was closed due to activity with two bureaus and charged off with another. How are they able to do this? 

Per the FCRA that protects my rights as a consumer, I have the right to dispute any and all inaccurate information from my reports and it is their job to acknowledge and respond to my concerns. They are in clear violation of the law to report accurate information and my right as a consumer to have accurate and valid accounts on my reports and the right to dispute. I am demanding that this account is deleted from my reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Remove old obsolete accounts. 

Remove XXXX - XXXX XXXX According to my record, the date of my first delinquency was XX/XX/XXXX, and the fall-off date is XX/XX/XXXX. 

It has been on my credit report for 7 years and 9 months. Equifax and XXXX refuse to remove the account. 

XXXX has removed the account. Why are Equifax and XXXX continuing to violate the fair credit reporting act?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is reporting an inaccurate charged off accounts on my reports that I have been disputing with them for some time now. I sent them a letter on XX/XX/2022 requesting validation of this debt and all documents concerning this account. In receipt of my letter they sent me a response requesting that I send them documents concerning this debt which I have attached below. They asked for my information such as a copy of my social security card, the nature of my dispute, account payment history and supporting documents. I detailed the nature of my dispute in the debt validation letter, what I want to know is, how are they able to verify this debt as accurate on my credit reports when they are asking me to validate this debt? Isnt it their job to verify this account as accurate and to have all documents pertaining to this debt that they are asking me? If they can not validate this debt and submit any sufficient proof that this debt belongs to me by law they can not report this account on my credit reports. I am demanding that this account is deleted from my reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I am writing to dispute the accuracy of my credit report and request that you delete all inaccuracies as required by the Fair Credit Reporting Act ( FCRA ). The following accounts, Account name : 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 XXXX XXXX  have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Under 15 U.S.C 1681 section 602 A, I have the right to privacy. Additionally, under 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. The credit bureaus are obligated to follow these laws and any violations will result in an inaccurate credit report.

Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) Section, no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. As such, any adverse information related to the accounts listed above should be removed from my credit report.

Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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. As such, I request that the credit bureaus investigate the accuracy of these accounts and delete any inaccurate information.

I would appreciate it if you could notify me in writing of any actions taken as a result of my request. Thank you for your attention to this matter.

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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the accuracy of my credit report and request that you delete all inaccuracies as required by the Fair Credit Reporting Act ( FCRA ). The following accounts, Account name : 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 XXXX XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Under 15 U.S.C 1681 section 602 A, I have the right to privacy. Additionally, under 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. The credit bureaus are obligated to follow these laws and any violations will result in an inaccurate credit report.

Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) Section, no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. As such, any adverse information related to the accounts listed above should be removed from my credit report.

Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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. As such, I request that the credit bureaus investigate the accuracy of these accounts and delete any inaccurate information.

I would appreciate it if you could notify me in writing of any actions taken as a result of my request. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment is due on XXXX of each month. 
Payment due XX/XX/XXXX was made online, on creditor 's ap, on XX/XX/XXXX for amount due of {$110.00}, 8 days after payment due date. 
On XX/XX/XXXX creditor reported payment delinquent 30 days for XXXX, XXXX. This must be immediately corrected to ON TIME, Creditor reported account status as " Current, was past due 3 times ''. This must be corrected to " Current, was past due 2 times '' XXXX XXXX XXXX  On XXXX XX/XX/XXXX reported account status as current however payment summary for XXXX, XXXX reported 30 days late, should be current. XXXX payment is due XX/XX/XXXX and payment was made on XX/XX/XXXX. XXXX, XXXX payment summary must be corrected to current immediately. 

XXXXXXXX XXXX XXXX on Equifax- on XX/XX/XXXX reported to Equifax loan balance was {$22000.00}. This is incorrect, balance is {$21000.00} ( correctly reported to other credit agencies ) Balance must be corrected. 
Status reported " not more than four payments past due '' - Loan has never been 4 payments past due. Status must be corrected to show current immediately,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: CA

Complaint narrative:
Was bank used by social security to work with funds security, Funds are not being able to be with drawn. Co merica is supposed to be care taker for dispersing my social secuiry funds. This bank is not partaking in this dispute process. Not listing with this disputing agency. 
This bank uses Comerica to issue funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a personal account with JPMorgan Chase Bank in XXXX, California. 
On XX/XX/2023 I did a Global Transfer to XXXX, XXXX XXXX, using a Chase Bank in New York as an intermediary. I called several times Chase because the money did not reached the destination. Every single time that I called the The bank reps kept transferring me to to a different rep because NOBODY knows or have an answer. On XX/XX/2023 I decided to cancel the transaction and requested to have my money back. Again I have to talk to at least seven people and every time I had to explain the same with no answer. On XX/XX/2023 the last person that I spoke with said that I have to submit my request of cancelling the transaction using a " secure messages '' login in to my Chase account. The responses of he system are " We received your request and we will have an answer in 24 hours. I check the messages every day there is no answer from the bank. 

These are the answers from the BANK : XXXX XXXX We received the message you sent us on XX/XX/2023. 

Here 's what will happen next : - We'll respond to your message within one business day. 

- To protect your account, we'll reply in the Secure Message Center. You'll need to sign in to chase.com or the Chase Mobile ( R ) app ( 1 ) to view our response. We'll email you to let you know the message is available. 

We're here to help. If you have questions, call us at the number on the back of your card. We accept operator relay calls. 

Thank you for choosing Chase. 

( 1 ) Chase Mobile app is available for select mobile devices. Message and data rates may apply. 

The account is under XXXX Acct # XXXX Transaction date : XXXX XXXX Amount : {$21000.00} US Dollars Personal Account Outgoing Wire Issue : Transfer was made XXXX, XXXX, 2023. Money did not get to the final destination. I cancelled the transaction. I called Chase several times and there was zero answer regarding MY MONEY. I need my money back ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I did not authorize these creditors access to report to my credit report. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AN # 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 non-monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: FL

Complaint narrative:
This notice is to inform you that you have broken the law. You unlawfully report unauthorised accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681b, the permissible purpose of consumer reports.

You have no permissible purpose by law to contact third parties with my private and personal information. Your offences amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 1028A. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts immediately.

Company response to consumer: Closed with non-monetary relief