vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal dispute regarding multiple violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTACT ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). The following is a detailed account of the violations perpetrated by various creditors, which have had a profound impact on my life. 

Violation Details : XXXX, Account : XXXX Violation : Failure to remove inaccurate and unverified account from my credit report, violating FCRA Section 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX, Account : XXXX Violation : Reporting inaccurate information and failure to validate the debt, violating FDCPA Sections 807 ( 8 ) and 809 ( b ). 

XXXX XXXX, Account : XXXX Violation : Failure to provide accurate and complete credit terms, violating TILA Section 226.6 ( a ). 

XXXX, Account : XXXX Violation : Inaccurate reporting and failure to provide debt validation information, violating FCRA Section 623 ( a ) ( 1 ). 

XXXX XXXX XXXX | XX/XX/XXXX Violation : Reporting of unauthorized account without my consent, violating FACTACT Section 605B ( a ) ( 1 ). 

XXXX XXXX  XXXX | XX/XX/XXXX Violation : Reporting unauthorized account, violating FACTACT Section 605B ( a ) ( 1 ). 

XXXX  AS, Account : XXXX Violation : Reporting unverified and inaccurate account, violating FCRA Section 611 ( a ) ( 1 ) ( A ). 


I kindly request that the Consumer Financial Protection Bureau enforce the applicable legal provisions to rectify these violations. It is my earnest desire that the creditors remove these unverified and inaccurate accounts from my credit report, thus restoring my ability to secure credit, housing, and employment without unjust hindrances. 

I appreciate your attention to this matter and your dedication to upholding consumer rights. Enclosed with this letter are supporting documents, including copies of relevant credit reports and correspondence with the creditors in question. 

Thank you for your prompt attention to this dispute. I look forward to a swift resolution that will allow me to regain financial stability and peace of mind. 

Sincerely, 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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my complaint to EXPERIAN for taking no action on correcting and removing the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my complaint to EQUIFAX for taking no action on correcting and removing the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. 

I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 I received a letter from TIAA Bank stating that they were closing my account in 30 days. I have been a TIAA Bank customer for well over 10 years and never had a problem. So I phoned the bank and their representative told me that indeed they are closing my account but did not have a reason for doing so. When I asked to speak to a supervisor he said that he would give me the same answer and that I should let it ride and find another bank. 
I find this very insulting and I feel that TIAA bank should give me some kind of reason for their action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the credit reporting act this creditor XXXX XXXX has violated my rights under 15Uc 1681 section 602 states that I have the right to privacy 15Uc 1681 604a Section 2 also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15Uc11666B a creditor may not treat payment on a credit account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
In accordance with the credit reporting act this creditor XXXX XXXX has violated my rights under 15Uc 1681 section 602 states that I have the right to privacy 15Uc 1681 604a Section 2 also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15Uc11666B a creditor may not treat payment on a credit account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In XX/XX/XXXX, I discovered that someone had opened a XXXX account with my information. This happened in XXXX. The total was {$600.00} and it went to collections. When I found out ( in XXXX XXXX ), I filed a police report, contacted all three credit bureaus to dispute the claim, and I filed a report with XXXX. 

I have not heard back from XXXX and all three XXXX dismissed my disputes. 

This has had a negative effect on my credit rating.

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 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: FL

Complaint narrative:
ve Asked XXXX, XXXX XXXX, and also XXXX, to do a verification on my credit report and theyve stated that everything was accurate And Verified. 
Ive seemed un ease with these responses and Ive had to do my own investigation and research towards my credit report. 
While investigating Ive found thorough inaccurate and inconsistencys that are being reported even though Ive asked these companies for a proper and accurate research. Ive Called Each Company And Mailed A Letter For A Valid Response For These Inconsistencies Ive Also Mailed Letters For This. 
For Accounts : XXXX XXXX XXXX XXXX Account XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Company Name : XXXX XXXX DISCOVER BANK Account XXXX Company Name : Discover XXXX Account XXXX Company Name : XXXX XXXX XXXX XXXX, XXXX. 
Account XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX XXXX, XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have been a customer with Comentiy bank since XXXX. I had a XXXX Credit card and XXXX credit card. My XXXX credit card was closed in XXXX. I never got a warning of the card being closed, and my balance was XXXX. I made my payments with auto draft and was never late. At the time my available balance was XXXX, the card had already been closed without my knowledge. As for my XXXX credit card, I have been making payments on that and my balance is XXXX, even though I have paid almost XXXX $ on that card. I don't know if my payment are being reflected correctly and why are my accounts being closed even though I am making the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I've submitted letter to bureaus & they have not been responsive!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 
I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XX/XX/XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXXXX/XX/XXXX 5. The inquiry was not authorized DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXXXX/XX/XXXX 8. The following personal information is incorrect Account Number : NAME : 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 2023-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: NJ

Complaint narrative:
I lived in the apartment of XXXX XXXX and left early due to my immigration status changing which caused me to not be able to work. I reached out to the property XXXX XXXX XXXX via Email communications and informing her of my circumstances, I requested to Terminate my lease early in XX/XX/2023 and forgo my security deposit. XXXX contacted her corporate office and they approved allowing me to end my lease two months early without having to pay back rent as long as i leave by the XXXX of XXXX. The amount of money which is being seek in collections is after the agreed upon move out date of XX/XX/2023 this was not what me and XXXX apartments agreed on meaning this collection request is in error i have attached all communication between myself and the property manager XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I found inquiries on my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Grow Credit Inc
State: FL

Complaint narrative:
Ive Asked XXXX, XXXX XXXX, and also XXXX, to do a verification on my credit report and theyve stated that everything was accurate And Verified. 
Ive seemed un ease with these responses and Ive had to do my own investigation and research towards my credit report. 
While investigating Ive found thorough inaccurate and inconsistencys that are being reported even though Ive asked these companies for a proper and accurate research. Ive Called Each Company And Mailed A Letter For A Valid Response For These Inconsistencies Ive Also Mailed Letters For This. 
For Accounts : XXXX XXXXXXXX XXXX XXXX Account XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX Company Name : XXXX XXXX XXXX XXXX  Account XXXX Company Name : XXXX XXXX Account XXXX Company Name : XXXX XXXX GROW CREDIT, INC. 
Account XXXX Grow Credit XXXX  Account XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX XXXX, XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
In XXXXXXXX XXXX XXXX I received several copies of invoices from XXXX XXXX XXXX  of account statements with withdrawals under my name with several different addresses from XXXX with XXXX. The first invoice dated XX/XX/XXXX through XX/XX/XXXX had a balance of XXXX and my actual previous address. On the invoice dating XX/XX/XXXX through XX/XX/XXXX there is a balance of {$1600.00} and another invoice dated XX/XX/XXXX through XX/XX/XXXX with a balance of {$1600.00}. These last two invoices had two different addresses. In XXXX I called XXXX and provided my name and social security and asked them if there was a credit card opened under my name and social security and they said there was none issued. I attempted to file a police report several times but they did not open a case as they claimed it was fake. On XX/XX/2023 I received a court summons as this debt was being collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
I tried to contact the these creditors this month but got no response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Accounts 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX XXXX Account Number XXXX Delete this account. 

15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number XXXX Delete this account. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY BANK XXXX XXXX Account Number XXXX Delete this account From My Credit Report Personal information is incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 my claim for fraud was finally resolved in my favor with a permanent credit to me in the amount of {$6100.00}. Today is XX/XX/2023 and I STILL HAVENT RECEIVED MY MONEY!!!! I have been waiting a very long time and this is absurd. Please help me. Thank 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 monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/2023 my card was used to make a purchase at XXXX in the amount of {$80.00}. I did not make this purchase and my actual card was still in my possession. I didnt realize my account had this charge until after my shopping trip to Woodmans on XX/XX/XXXX. I called Chase and was advised the fraud department was already closed for the day and the rep told me to call back during normal business hours. He also told me to lock my card so no other purchases go through. I locked my card and called back the next day to report the suspicious charge. I had them cancel that card and send me a new one in the mail. After their investigation they came to the conclusion that I authorized the purchase because my card was used and my card has a chip in it ( Apparently criminals/hackers/scammers do not exist in the Chase Bank world and they cant make fake cards ). I phoned Chase on XX/XX/XXXX and spoke to XXXX. XXXX XXXX, he was unable to access the info regarding their investigation so I asked to speak with a supervisor. I was then transferred to XXXX who just reiterated to me that it was denied due to the fact my card was physically used at the store. She said my card was never reported lost or stolen ( because it wasnt and XXXX not a liar ). She also said there was another transaction after the fraudulent one in which I told her I did make the purchase at XXXX and didnt realize anything was wrong until I checked my account balance after the XXXX purchase. She told me she would have the case reinvestigated and to call back in XXXX business days. I called back XX/XX/XXXX and spoke with XXXX. XXXX XXXX, the case was never reinvestigated as they didnt have any new information to reopen the case. Chase Bank made me feel like the criminal. The one who lied. The one who stole. When I did nothing wrong. It is very disheartening to receive such poor customer service when you are already going through a frustrating situation.

Company response to consumer: Closed with explanation