vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I submitted at least XXXX different disputes to experon credit reporting tried to up load documents and could not do so. Will not let you upload a picture of the documents. Tried to contact thru email no way to do so for hard of hearing people. They have no contact other than calling. Also after fileing credit dispute my credit score dropped XXXX something points. I was punished for fileing a dispute by that. No way my credit report should have dropped that much. Credit reporting agencies should not be allowed to drop your credit score for fileing a dispute.

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 2024-04-29 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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-04-29 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: MS

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
My personal electronics were hacked and used to send unauthorized payments through via XXXX XXXX and I was unable to dispute the fraudulent charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Abrahamsen Gindin LLC
State: NY

Complaint narrative:
I have made numerous calls each week for the past XXXX weeks attempting to speak to someone regarding this account that they are attempting to collect a debt on. This account is a case of identity theft and the company will not allow me to submit anything regarding this. They wont return my calls and they keep telling me that I need to speak to the compliance department but the compliance department does not answer the phone and they dont return any of my calls. I can provide whatever documentation needed from my cell phone company to prove the amount of calls made to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
This is my second complaint regarding my denied fraud claim, claim number XXXX. The situation has changed so I feel the need to file a new CFPB complaint with new details. The appointed Bank employee handling my fraud claim has failed to consider the evidence I sent in. My claim has been settled incorrectly again, with no consideration of my evidence or written statement. On XXXX XXXXXX/XX/24 the claim was updated in my message center to " resolved - review message for details '' The problem is there is NO resolution letter or details on why they denied my claim. There is no attached documentation or evidence they used to deny my claim. This is the same as the first time where it was immediately and unfairly closed. I called the number first thing on XX/XX/24 to request documents used in their decision phone number XXXX I was connected with XXXX. XXXX stated that she did not see any evidence or documents she could provide me but she would tell the back office I requested them. She understood my frustration and read me off some internal notes which I couldn't see on my claim message. XXXX said the fraud department wrote down some notes that we can infer they used to deny my claim. She said that because there were transactions on my statement that I did not report as fraud and because the transactions were held days/hours apart. So basically, if you give a merchant your card details once they are allowed to charge it or use your card details as many times as they want for fraudulent charges? 

This is beyond ridiculous and their explanation does not demonstrate authorized use of my card. I also can not emphasize the fact they don't have any document or evidence used to support their decision to deny my claim. I NEVER denied doing business with the merchant in the past. The employee ( XXXX ) investigating my fraud claim didn't consider any of my evidence that I sent in to escalate my issue. 

I can not keep waiting an unknown amount of time for my claim to be taken seriously especially when I don't know what actual details they need from me. I expect a timely response and resolution from Bank of America correcting their error investigating these fraudulent charges on my account. I refuse to be held accountable for unauthorized use of my card just because I did business with the merchant in the past. That is not legal or reasonable. I am willing to provide details, supporting evidence, and any helpful information to assist this process but rejecting my claim for no valid reason will not stand.

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 2024-04-29 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: MO

Complaint narrative:
Upon reviewing my Equifax credit report, I have identified inaccurate inquiry. I kindly request the deletion and blocking of this inquiry that do not belong to me within the next XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: DC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system This means that whenever the FCRA is broken, it makes the banking system less effective. Because I decide what is on my consumer report and what is not, this is an invasion of my privacy. If any of my accounts are written off without my writing permission, that is identity theft. 
There are two laws being broken here : 15 U.S. Code 1681b ( 2 ) and 1681c-2. This means that the credit reporting service can be sued in civil court for negligent and willful noncompliance under 15 U.S. Code 1681n. This allows for a {$1000.00} fine per violation for listing my account without my written permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: IN

Complaint narrative:
credit report shows loan from XXXX XXXX with balance of {$13000.00} this is not mine this is identity theft

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 2024-04-29 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: LEXISNEXIS
State: LA

Complaint narrative:
A dispute was opened against LexisNexis ( case # XXXX ) in regards to an " At-Fault '' accident being shown on my CLUE report, resulting in higher insurance rates for myself, which is inaccurate as I have not been in an at-fault accident on the date listed. After contacting XXXX XXXX to get confirmation, LexisNexis is showing that a glass claim is being inaccurately reported as an at-fault accident on my CLUE report. 

I have given LexisNexis the information from XXXX XXXX that shows that I was not involved in an accident, and that this is only a glass claim. After submitting this information to LexisNexis, I have only heard back once from an automated email asking me to send in additional documents to prove my identity, which was already done prior to this email ( XXXX ). 

LexisNexis has been unresponsive to my emails and is not willing to resolve this case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am writing to address a matter concerning the reporting of a charge-off on my consumer report, which I believe violates federal regulations and established case law. Specifically, I am concerned that the Internal Revenue Service ( IRS ) considers a charge-off as income, and as such, it should not be reported to any consumer reporting agency. As per the Fair Credit Reporting Act ( FCRA ), it is essential that consumer reporting agencies furnish accurate and fair information regarding an individual 's creditworthiness. However, the reporting of a charge-off, which is treated as income by the IRS, contradicts this requirement. The IRS has explicitly stated in various publications and guidelines that a charge-off is considered taxable income. For instance, in Publication 4681 ( " Canceled Debts, Foreclosures, Repossessions, and Abandonments '' ), the IRS outlines that cancelled debts, including those resulting in a charge-off, are generally considered taxable income unless specific exceptions apply. This confirms that a charge-off is recognized as income by the IRS. Furthermore, case law supports the notion that a charge-off should not be reported to consumer reporting agencies due to its classification as income. A notable case in this regard is the United States Tax Court case of XXXX XXXX XXXX XXXX, XXXX XXXX 1XXXX ( 1987 ). In this case, the court ruled that a cancelled debt, which resulted in a charge-off, was indeed taxable income and should be treated as such for tax purposes. This ruling establishes a precedent that aligns with the IRS ' classification of charge-offs as income. Given the IRS ' stance and the precedent set by relevant case law, it is evident that reporting a charge-off on a consumer report is erroneous and may potentially mislead lenders and other entities assessing an individual 's creditworthiness. Therefore, I kindly demand that you take the necessary steps to rectify this issue and ensure that any reporting of a charge-off on my consumer report is promptly removed. I trust that you will address this matter in a timely and appropriate manner. Should you require any further information or documentation from me, please do not hesitate to contact me via the contact information listed on the account. 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 explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase sapphire reserve credit card transaction was declined more than 30+ times in past few weeks, no matter it is {$1.00} parking fee, {$20.00} XXXX XXXX {$4000.00} purchases. Made more than 20+ phone calls with chase XXXX every single time they said it would work for future transactions but apparently nobody was trying to solve and answer the problems. And every time the phone call takes more than 30 mins, from one department transferred to another, some of the cases ( 5+ ) they said they will check the account and call back but they never did. The customer service just followed the procedure and repeat the same saying and hung up the phone if insisted to let them solve the problem instead of repeating they understood the problem or they were sorry to hear that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: CO

Complaint narrative:
Mosaic bank granted me a loan for purchase of windows and install through XXXX by XXXX back in XX/XX/XXXX. 

I had the payment set up by auto pay, payment number 2 ( dueXX/XX/XXXX) was processed on XX/XX/XXXXProblem that occurred was that Mosaic bank took XXXX payments of {XXXX}, my bank showing the same date for both charges. 

I in turn called Mosaic on that same date of charges taken to request refund of XXXX charge of {$XXXX}. The customer representative I spoke to told me that someone made a payment online and the other was through autopay. I then told him, that was not correct because I set up the account for autopay and I was out of town on XX/XX/XXXX. He offered me XXXX options : 1. Apply credit to XX/XX/XXXX balance due on XX/XX/XXXX XXXX. To refund money back to my account. 
I told him " No '' I need that money back in my account ASAP to pay another loan I had scheduled for the month of XXXX. He then told me " I will have the correct department refund your money back to you. Since the XXXX of XXXX, I have been looking for that refund - NOTHING YET! I called XXXX XX/XX/XXXX, AGAIN they tell me the same thing about a payment being made online by someone on the XXXX of XXXX. I told them that information was incorrect and to return my {$XXXX} right away! I requested to speak to a manager - I had to wait for a manager to contact me on my mobile. I received the call, explained the situation- she told me I had to wait 15 days for Mosaic to return my money. I went on to tell her that they were thieves for doing what they did, and also for lying! They literally put words in my mouth in regard to the payment made online. For their ERROR, I have to wait 15 days to see my money returned to the bank. Is their a repercussion for this bank doing this? What can be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has been putting larger debits due and smaller debits that were to post 2 days prior. By doing that they was able to charge XXXX x XXXX. XXXX transaction was XXXX XXXX XXXX I had a little over XXXX in my account and was going to pull XXXX from another account to cover the difference like I always do. Wells Fargo put the XXXX through before the debits that were supposed to come out two days prior. Resulting in 3 overdraft fees XXXX each. I had other small debits due and direct deposits. I deposited over XXXX but am still overdraft due to the fees and holding back debits to collect fees on every debit. I am working to get my life insurance and other debits to another account. I just need the overdraft payments that were deceptively placed removed.

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 2024-04-29 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: CA

Complaint narrative:
I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be 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 2024-04-29 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: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I urgently request your immediate assistance in removing the fraudulent inquiries from my credit report. These inquiries were not authorized by me and are causing significant distress. It's unfair for me to be held responsible for them, as I didn't initiate or approve these accounts. I urge you to promptly address this issue.

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 2024-04-29 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: GA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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