vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-19 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: AZ

Complaint narrative:
There are inaccurate reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a missed payments is, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this represents a cancellation of debt and not an outstanding obligation, it should not be classified as a closed. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.

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 2024-11-19 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: AZ

Complaint narrative:
There are inaccurate reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a missed payments is, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this represents a cancellation of debt and not an outstanding obligation, it should not be classified as a closed. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: AZ

Complaint narrative:
There are inaccurate reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a missed payments is, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this represents a cancellation of debt and not an outstanding obligation, it should not be classified as a closed. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$2500.00} Status Account charged off. {$2500.00} written off. {$2500.00} past due as of XX/XX/XXXX. 

XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance XXXX XXXX, XXXX. 

MACYS/CBNA Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. 

XXXX XXXX  XXXX Under dispute Date opened XX/XX/XXXX Balance {$5200.00} Status Account charged off. {$5200.00} written off. {$5200.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$10000.00} Status Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$2100.00} Status Account charged off. {$2100.00} written off. {$2100.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$5200.00} Status Account charged off. {$6500.00} written off. {$5200.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Open. {$520.00} past due as of XX/XX/XXXX. 

XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$240.00} Status Account charged off. {$240.00} written off. {$240.00} past due as of XX/XX/XXXX. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$760.00} Status Account charged off. {$760.00} written off. {$760.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$490.00} Status Account charged off. {$300.00} written off. {$490.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$1400.00} written off. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$420.00} Status Collection account. {$420.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$950.00} Status Collection account. {$950.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} Status Collection account. {$630.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5200.00} Status Collection account.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I am formally disputing inaccurate information that JPMCB Auto ( JP Morgan Chase Bank Auto Finance, EIN : XXXX ) is reporting on my consumer credit reports. Specifically : XXXX : XXXX 30 days late. XXXX : Current payment status. XXXX : XXXX 30 days late, with no record of payment history. This reflects an inaccurate consumer report and constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 611, which mandates accuracy in reporting and an obligation to verify any disputed information.

Furthermore, as a national bank regulated by the Office of the Comptroller of the Currency ( OCC ), JPMCB Auto must comply with the Truth in Lending Act ( TILA ) and the FCRAS requirements for accuracy and verifiability of consumer information. Please see the attached documents for proof of inaccurate late payments on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-11-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX, I got a call from USAA about fraud on my account. I found out that same evening that it was a scam and not USAA. I called USAA right away to let them know so they can block my accounts but they did not do so and my funds were taken out of my checking, savings and my kids accounts. And USAA is not being helpful about this. How these scammers got the last XXXX of my SSN is beyond me.

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 2024-11-19 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: AZ

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-11-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OR

Complaint narrative:
Jefferson capital keeps resetting the open date of the account. I have not had XXXX in about 5-6 years and they sold to Jefferson capital soon after they closed my account. There is no way that I lost this account in XXXX. I have disputed this account for accuracy several times and they refuse to fix it. The disputes started back in XXXX ( please see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: EQUIFAX, INC.
State: LA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I made a XXXX order on XX/XX/XXXX for {$31.00}. The driver got lost and quit mid-order never delivering the order. This was confirmed by calling the XXXX contact number for XXXX deliveries  of XXXX. Multiple reps confirmed the order was cancelled and a refund issued on XX/XX/XXXX. The XXXX  rep gave me a confirmation/transaction number of XXXX. To this date ( XX/XX/XXXX ) XXXX Citi Visa ( XXXX XXXX XXXX ) has not credited my account for the refund back on XX/XX/XXXX. 

I submitted a dispute with XXXX Citi on XX/XX/XXXX describing what had happened, providing a full description, transaction numbers and contact numbers to confirm a refund was issued to my account which was still not showing up on my XXXX citi card. The case ID for this dispute is XXXX. After a month, I received a letter stating that since it had taken so long, my case would now be reviewed every 2 weeks until it is resolved. One week later I get another notice stating that my dispute had been closed without resolution. I called back into XXXX Citi customer service to see why this happened and why no one finished the case. The rep stated that he would escalate the issue to the supervisory team. Instead, on XX/XX/XXXX, the rep opened a brand new dispute case with case number XXXX. 

When opening the new case, the representative input incorrect information, made up a contact date, insinuated that I tried to contact the seller and was unsuccessful and I was then notified that I needed to provide all information from the original case and start all over again ; the original case was never escalated to a supervisory team, instead customer service opened a brand new case and told me to start all over again. 

Yesterday I received notification both cases had been closed, neither with resolution. I disputed this on the website and asked that they look into my case because all information they need is within the cases they just closed again. In response I was sent a form letter stating to upload all documentation and information to the website which was already done in the original case. This company is charging me {$80.00} plus dollars per month in interest and can not figure out that 1 ) I already provided all the information and they closed the case without resolution and 2 ) its a small {$31.00} charge for a refund that was already issued yet never credited toward my account that they're wasting everyone 's time with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc
State: NV

Complaint narrative:
I requested terms of service that includes interest payment. My medical bills came as a result of a XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation