vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 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: MO

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

Account name : XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

XXXX ) Account name : XXXX  XXXX Account # XXXX XXXX ) Account name : XXXX  XXXX Account # XXXX XXXX ) Account name : XXXX  XXXX Account # XXXX XXXX ) Account name : First Premier Bank Account # XXXX XXXX ) Account name : First Premier Bank Account # XXXX the above listed has violated my rights.

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information us inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand that you've been responding to disputes with pre-written standard form letters, despite the specific information provided by consumers. This is not in compliance with the law, as each consumer dispute must be addressed individually. I have the right to dispute any information on my credit report that I believe is inaccurate. It is crucial that all data in a consumer 's file is properly documented and validated before it is used by creditors. Therefore, I take this matter very seriously. The allegations against me are false, and I am determined to fight back. I kindly request that you handle this matter with care and diligence. 

DELETE THIS FOLLOWING UNVERIFIED ACCOUNT ON MY CREDIT REPORT : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I request tangible evidence of the actions taken and an updated copy of my credit report. The listed claims seem to be inaccurate, so I urge you to provide accurate and verified information for each claim. If the allegations are indeed false, I expect them to be promptly removed 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 non-monetary relief
Consumer complaint received 2024-05-16 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: FL

Complaint narrative:
I understand that you've been responding to disputes with pre-written standard form letters, despite the specific information provided by consumers. This is not in compliance with the law, as each consumer dispute must be addressed individually. I have the right to dispute any information on my credit report that I believe is inaccurate. It is crucial that all data in a consumer 's file is properly documented and validated before it is used by creditors. Therefore, I take this matter very seriously. The allegations against me are false, and I am determined to fight back. I kindly request that you handle this matter with care and diligence. 

DELETE THIS FOLLOWING UNVERIFIED ACCOUNT ON MY CREDIT REPORT : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I request tangible evidence of the actions taken and an updated copy of my credit report. The listed claims seem to be inaccurate, so I urge you to provide accurate and verified information for each claim. If the allegations are indeed false, I expect them to be promptly removed 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 non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: TN

Complaint narrative:
I have an account with Juno, who apparently partners with XXXX XXXX  XXXX XXXX, and depending on who responds ( slowly and inarticulately ), all accounts are currently frozen. I have over {$3700.00} currently sitting in their account that they refuse to release. This is not an insignificant amount of money and I need it released immediately. The companies are refusing to do anything except blame each other.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Account name : XXXX XXXX ACCT # XXXX violated my rights and also reporting inaccurate information. This company charged off this debt and sent me tax documents. Which I had to file with the IRS which means this is a now a tax issue reporting on my credit it is NO LONGER a debt due to the IRS reporting, I had to report this amount XXXX as income. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. That I have submitted a complaint several times over the last couple of years. Even in closed status plus an IR

S 1099C charge off the amounts are going up and down. 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 1681 ( e ) ( b ) .And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 from 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 from 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 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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I trust this letter finds you well. My name is XXXX and I am reaching out to request specific information regarding the method of verification employed by Equifax in reporting bankruptcy information. 

Recently, upon reviewing my consumer report, I noticed a bankruptcy entry sourced from your database. This discovery has prompted me to seek further clarification regarding the procedures and methods Equifax utilizes to verify and validate such bankruptcy information. 

Understanding the critical role accurate and verified information plays in consumer reports, I am particularly interested in learning : The detailed procedures and methods employed by Equifax to verify bankruptcy information. 
Any documents or criteria utilized throughout the verification process. 
As a conscientious consumer, I place great importance on ensuring the integrity and accuracy of the data associated with my profile. 

In light of this, I kindly request your comprehensive response to this inquiry within 15 days from the date of receipt of this letter. Your cooperation in providing detailed insights into Equifax 's verification process is crucial in helping me address and resolve any discrepancies that may exist within my consumer report. 

Furthermore, if there are any specific forms or additional information required to facilitate this request, I would appreciate your prompt notification. 

Thank you for your attention to this matter and your cooperation in providing the necessary information within the stipulated timeframe. Your assistance in this regard is immensely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: IL

Complaint narrative:
Consumer Financial Protection Bureau Subject : Dispute of Derogatory Account and Associated Inquiries on XXXX Credit Report Dear Sir/Madam , I am writing to formally dispute the information listed on my XXXX credit report, specifically regarding a derogatory account and associated inquiries. Despite my efforts to rectify this matter directly with the creditors, I have been unsuccessful in achieving a resolution. 

Below are the details of the disputed account and inquiries : XXXX XXXX XXXX Derogatory Account : - **Creditor : ** XXXX XXXX XXXX  - **Reported : ** XX/XX/XXXX - **Status : ** Closed - **Balance : XXXX {$4800.00} ( 120 % of credit limit ) - **Credit Limit : ** {$4000.00} - **Monthly Payment : ** {$190.00} - **Opened : ** XXXX XXXX, XXXX - **Payment History : ** 75 % of payments made on time - **Last Payment : ** XXXX XXXX, XXXX - **Current Payment Status : ** XXXX Days Late - **Amount Past Due : ** {$820.00} - **Worst Payment Status : ** XXXX Days Late - **Account Status : ** Closed - **Type : ** Credit Card - **Responsibility : ** Individual - **Remarks : ** Canceled by credit grantor - **Times 30/60/90 Days Late : ** XXXX - **Closed : ** XXXX. XXXX, XXXX - **Creditor Information : ** XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX DE XXXX, ( XXXX ) XXXXXXXX XXXX XXXX XXXX Associated Inquiries : 1. XXXX - Inquiry Date : XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX - Inquiry Date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX I have made multiple attempts to address the discrepancies and resolve this issue directly with the creditors involved, but to no avail. The derogatory account and associated inquiries are negatively impacting my creditworthiness and financial well-being. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and assist me in disputing the accuracy of the derogatory account and associated inquiries on my XXXX credit report. Additionally, I request your guidance on the appropriate steps to take to rectify this situation and ensure the accuracy of my credit information. 

Enclosed are copies of any relevant documents supporting my claim, including correspondence with the creditors and evidence of my attempts to resolve the issue. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving these discrepancies and restoring the accuracy of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Subject : Formal Complaint and Cease and Desist Order Against Bread Financial XXXX Comenity Bank ), XXXX, XXXX, and XXXX. 

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against Bread Financial ( Comenity Bank ) for multiple violations of federal laws and regulations, as well as against XXXX, XXXX, and XXXX for their roles in reporting inaccurate and unauthorized information.

The crux of the inaccuracy in Bread Financials reporting lies in their knowledge that the debt in question was discharged. Despite this knowledge, Bread Financial continued to furnish information related to my account to XXXX, XXXX, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ).

Furthermore, Bread Financial unlawfully attempted to collect on a discharged debt ( with an EXTREME level of collection phone calls ), which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). The IRS defines a charge-off as Gross or Ordinary income, and it clearly states that income can not be reported on a consumer report. Therefore, the reporting of this account as a debt is factually incorrect and does not align with IRS regulations. Bread Financial has failed to provide me with a 1099-C for the cancelled debt, which is required for filing as ordinary income according to IRS guidelines . This lack of documentation further supports the inaccuracy of reporting this account as a debt. Attached is a copy of the 1099-C in which I personally filed for Bread Financial.

Moreover, Bread Financial failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, XXXX, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that Bread Financial immediately delete the account related to me from their records and cease all further reporting to XXXX, XXXX, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of Bread Financial, XXXX, XXXX, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission ( Bread Financial Commission file no. XXXX ). 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/year>, {$2500.00} was stolen from my account by a criminal impersonating the US Department of Treasury. Since then, Wells Fargo has refused to refund my stolen funds. Most recently, the company refused to address this with me. The representative ( named either XXXX or XXXX XXXX harassed me at work repeatedly with constant calls that disrupted my job duties and REFUSED to speak with me outside of my work hours. I told them to please call back when I wasnt at work. They didnt bother to work with my schedule and work obligations. Instead they called, refused to talk to me about anything, and are claiming this case is closed before I could address my concerns with them.

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 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I noticed a fraudulent charge on my account. It was for {$640.00}. I monitor my purchases daily. I XXXX  the vendor to find that it does not exist but may be located in XXXX. I have never been to XXXX. I was told this was no issue and it would be refunded as my credit card has fraud protection. I was not contacted but I noticed that the charge was returned to my account. I called again and was told that a XXXX XXXX  had been added fraudulently to my account so I was liable. I have never had XXXX XXXX  nor has my partner nor have I owed a single XXXX cellular device. I spoke to multiple individuals and was told as told as I could provide documentation that I do not have XXXX XXXX  I would be reimbursed. I provided such documentation and was told I would hear back in five business days. I did not hear back. I called and escalated to management 3 separate times. I was told that I had made the purchases. I asked all of them what documentation I needed to provide to prove that this was not me and this was a scam. I was not given any information on what to provide. I was told that their system does not have a process for disputing electronic payment fraud despite this being a large issue in XXXX. I was also told that they had no vendor information so I could not

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I opened a checking acct at PNC Bank in XXXX, Md. with the expectation that I would be able to access my acct info via my computer as I have done in the past with regards to my PNC mortgage and to my accounts at other banks. I maintain a book in which I record access info such as ID 's, pass words, security codes, etc. I do not regularly check these accts on line. On XX/XX/year>, I was not able to access my online PNC Bank acct using any of my recorded info. I went to a local PNC bank and was advised that I needed to receive a text message in order reset my password. Upon returning home, I opened up an email from PNC bank informing me that I had been locked out of my account and I needed a cell phone in order get a text message to reset my password. I am XXXX XXXX XXXX and I do not use a cell phone. My complaints are : ( 1 ) I was never informed that my previous mode of accessing my account on line was changed to depending upon the use of cell phone ; and ( 2 ) the individuals with whom I interact on the telephone are not at the policy making levels to understand or correct the disadvantage that I now find myself. 
In general, I think it is wrong for institutions to assume that everybody transacts business via cell phone and text. If this is the prerogative of institutions, this should be made clear up front. I think that it should be a requirement for institutions to offer alternative access modalities such as email, telephone, should be offered. When patrons elect to go paperless, the problems of lack of on line access are magnified. 
I am most disappointed with my interaction with PNCB and my overall view of the security systems is that the use of cell phones contribute greatly to breaches in security and the measures taken by institutions in view of these breaches are more burdensome on the account holders than on the the hackers.

Company response to consumer: Closed with monetary relief