vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm in the process of buying my first home and I went to review my XXXX Report with XXXX to make sure no inaccurate information was being unlawfully reported. 
To my surprise, there was a number of inaccuracies actively being reported by XXXX XXXX account XXXX XXXX. These inaccuracies are a SERIOUS violation of my rights as a consumer. The alleged account has already been Charged-off and a XXXX should've been filed and reported with the IRS by XXXX. I never received a copy of this XXXX. Instead, XXXX XXXX XXXX trying to illegally collect on an alleged debt that has already been satisfied. This a a clear violation of my rights as a consumer. XXXX XXXX XXXX ( b ) Compliance and Procedures states : ( b ) ACCURACY OF REPORT 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. 
I demanded to see verifiable proof ( i.e. an original consumer contract with my name on it ) that XXXX, XXXX, or Equifax had on file for the account listed below or a Certification from the creditor that certified the accuracy and completeness of the information/account. I received nothing. Instead, XXXX responded back by updating my account to XXXX status, which is a further violation of my rights as a XXXX. XXXX XXXX XXXX Responsibilities of furnishers of Information to Consumer Reporting Agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of errors. 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. Duty : a moral or legal obligation XXXX : correct in all details ; exact PROHITIBION : a law or regulation forbidding something. As Defined by the IRS Even if XXXX XXXX XXXX a Form XXXX, the law compels them to report cancelled debt as gross income on their tax returns. The IRS clearly defines a CHARGEOFF as Gross or Ordinary income. INCOME CAN NOT LEGALLY BE REPORTED ON THE CONSUMER REPORT, which in fact makes their continued reporting of this account inaccurate! My rights as a consumer are being violated and my character is being defamed. Therefore I demand that this account be permanently DELETED from my XXXX, Equifax, and XXXX XXXX Report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: TX

Complaint narrative:
I'm in the process of buying my first home and I went to review my XXXX Report with Experian to make sure no inaccurate information was being unlawfully reported. 
To my surprise, there was a number of inaccuracies actively being reported by XXXX XXXX account XXXX XXXX. These inaccuracies are a SERIOUS violation of my rights as a consumer. The alleged account has already been Charged-off and a XXXX should've been filed and reported with the IRS by XXXX. I never received a copy of this XXXX. Instead, XXXX XXXX XXXX trying to illegally collect on an alleged debt that has already been satisfied. This a a clear violation of my rights as a consumer. XXXX XXXX XXXX ( b ) Compliance and Procedures states : ( b ) ACCURACY OF REPORT 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. 
I demanded to see verifiable proof ( i.e. an original consumer contract with my name on it ) that Experian, XXXX, or XXXX had on file for the account listed below or a Certification from the creditor that certified the accuracy and completeness of the information/account. I received nothing. Instead, Experian responded back by updating my account to XXXX status, which is a further violation of my rights as a XXXX. XXXX XXXX XXXX Responsibilities of furnishers of Information to Consumer Reporting Agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of errors. 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. Duty : a moral or legal obligation XXXX : correct in all details ; exact PROHITIBION : a law or regulation forbidding something. As Defined by the IRS Even if XXXX XXXX XXXX a Form XXXX, the law compels them to report cancelled debt as gross income on their tax returns. The IRS clearly defines a CHARGEOFF as Gross or Ordinary income. INCOME CAN NOT LEGALLY BE REPORTED ON THE CONSUMER REPORT, which in fact makes their continued reporting of this account inaccurate! My rights as a consumer are being violated and my character is being defamed. Therefore I demand that this account be permanently DELETED from my Experian, XXXX, and XXXX XXXX Report immediately!

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 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NM

Complaint narrative:
Chime ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  gave me notice that it was closing my checking account I had with them effective the same day on XX/XX/XXXX via email. The email stated : " Once your Chime Checking Account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days of XX/XX/XXXX to the address we have on file for you. ". On the date of closure, XX/XX/XXXX, I had a balance of {$1000.00} in the account. I have not seen that check since, despite repeated emails asking why I have not received my check. The latest email response from Chime dated XX/XX/XXXX states that " Your account has been closed by Chime and is not eligible for a refund. ". 
This is simple theft. I have tried repeatedly to acquire legal assistance in recovering the funds, but have had very little luck with getting attorneys to respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication XXXX any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2023-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I am writing to express my disappointment with the inaccurate credit reporting done by Barclays Bank. This reporting has severely damaged my financial situation. On XX/XX/2023, I noticed a new account on my credit report that I did not open. I immediately sent a notice to Barclays Bank in Delaware, requesting them to validate the debt and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX. Despite my notice, Barclays Bank has not responded or taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that Barclays Bank of Delaware immediately remove the disputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If Barclays Bank does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit.

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 2023-09-29 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared.

I demand proof of a permissible purpose for the inquiry or account within my report. This letter is a clear indication that you have not fulfilled your responsibilities adequately. If this matter is not promptly resolved, there may be serious consequences. Therefore, I am granting you a 30-day period from the date of delivery to rectify the situation and ensure that all issues are resolved without the need for further intervention or escalation. Additionally, I request tangible evidence of the actions taken and an updated copy of my credit report. The claims listed appear to be inaccurate. Therefore, I urge you to provide accurate and verified information for each claim. If the allegations are indeed false, I expect them to be promptly DELETED from 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 I also would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that these credit bureaus are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THANK YOU SO MUCH!

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it XXXX concern : Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX ( XXXX ) XXXX I was asked to upload my FTC REPORT and forgot to upload a copy of it with my previous letter for inquiry disputes so below is my FTC REPORT for proof of identity theft. 

THANK YOU ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/1992 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
HI CITIZENS BANK : I was shocked when I reviewed my credit report and found late payments on the dates below : ON XXXX AND XX/XX/2023. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, and being XXXX XXXX XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit reporting bureaus are responsible for reporting accurate information in credit profiles. I am attaching documentation and asking that the credit bureaus update my credit report and delete inaccurate information. Thank you, God bless!

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 2023-09-29 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.
State: TX

Complaint narrative:
The credit reporting bureaus are responsible for reporting accurate information in credit profiles. I am attaching documentation and asking that the credit bureaus update my credit report and delete inaccurate information. Thank you, God bless!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: AZ

Complaint narrative:
The following inquiries reporting in my account are fraudulent. Please investigate and remove from my report. I am no liable for XXXX XXXX and XXXXXXXX XXXX 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 2023-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Hello, I am writing to dispute the accuracy of a hard inquiry that appears on my credit report on TransUnion, XXXX and XXXX. I recently reviewed my credit report and found that there is a hard inquiry that I believe to be inaccurate. The details of the inquiry are as follows : XXXX XXXX  ( why would I apply for a home loan 4x in one year? ) XXXX ( sent me a pre-approval and received my credit information through Transunion data breach ) XXXX  ( why would I apply for a home loan 4x in one year? ) XXXX XXXX ( why would I apply for a home loan 4x in one year? ) XXXX ( I did not apply for another credit card ) I did not authorize or initiate this inquiry, and I have no record of applying for credit or a home loan. There is no other legitimate reason for this inquiry to appear on my credit report. Therefore, I request that you investigate the accuracy of this hard inquiry and take appropriate action to remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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:
15 USC 1681 b ( Permissible Purpose ) It is a violation for a company or the credit bureaus to report anything on your credit report without a written consent. I never provided any written consent to the credit bureaus or these companies to keep reporting this. It is identity theft and they have to be removed immediately from my credit file. 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

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 2023-09-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm in the process of buying my first home and I went to review my Consumer Report with XXXX to make sure no inaccurate information was being unlawfully reported. 
To my surprise, there was a number of inaccurate late payments actively being reported by XXXX XXXX XXXX XXXX XXXX 

FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law clearly states that " transactions '' ( payment history ) and " experiences '' ( utilization ) are EXCLUDED from being reported on my Consumer Report! This is a serious violation of my rights as a consumer and has negatively impacted my ability for credit extension in order to buy my first home!

Therefore I demand that this account be permanently UPDATED to " Paid As Agreed Never Late '' or be permanently DELETED from my XXXX, Equifax, and XXXX XXXX Report immediately! 
I am also seeking damages in the amount of {$1000.00} per violation ( listed below ) against each Credit Bureau for their willful and blatant violation of my rights as a Consumer and failure to take action to cure the problem when initially reported : a. Defamation of Character b. Negligent Enablement of Identity Fraud c. Fair Debt Collections Practices Act 15 USC 1692g violations d. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: TX

Complaint narrative:
I'm in the process of buying my first home and I went to review my Consumer Report with Experian to make sure no inaccurate information was being unlawfully reported. 
To my surprise, there was a number of inaccurate late payments actively being reported by XXXX under account XXXX XXXX. 

FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law clearly states that " transactions '' ( payment history ) and " experiences '' ( utilization ) are EXCLUDED from being reported on my Consumer Report! This is a serious violation of my rights as a consumer and has negatively impacted my ability for credit extension in order to buy my first home! 
Therefore I demand that this account be permanently UPDATED to " Paid As Agreed Never Late '' or be permanently DELETED from my Experian, XXXX, and XXXX XXXX Report immediately! 
I am also seeking damages in the amount of {$1000.00} per violation ( listed below ) against each Credit Bureau for their willful and blatant violation of my rights as a Consumer and failure to take action to cure the problem when initially reported : a. Defamation of Character b. Negligent Enablement of Identity Fraud c. Fair Debt Collections Practices Act 15 USC 1692g violations d. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n ]

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