vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-10 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting D

ear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I would like to bring to your attention the following concerns and ask for your

prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report. 2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information. 3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous. 4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made. I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose. I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

Sincerely, 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 2024-10-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was notified of a hard inquiry on a Capital One credit card Ive had for almost XXXX years and have not tried to open a new credit card recently. Im not understanding where this is coming from.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XX/XX/XXXX Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Charge-Off Account Under 15 U.S. Code 1601 Dear Sir/Madam, I am writing to dispute a charge-off entry on my credit report, which I believe is inaccurate and violates the provisions outlined in the Truth in Lending Act ( 15 U.S. Code 1601 et seq. ). 

According to my credit report dated XX/XX/XXXX, there is a charge-off listed by XXXX  with the account number UNKNOWN. However, I contend that this information is incorrect and does not accurately reflect my credit history.

Under the Truth in Lending Act, creditors are required to provide accurate and complete information about consumers ' accounts. I believe that the information regarding the charge-off is inaccurate for the following reasons : 1. Lack of Verification : I have not received any verification or validation of this debt from XXXX despite multiple requests. As per the Fair Credit Reporting Act ( FCRA ), creditors are obligated to provide verification of debts upon request.

2. Inaccuracy of Reporting : The reported charge-off amount does not align with my records of the account. There might have been errors in the calculation or reporting of this debt.

3. Statute of Limitations : If applicable, the statute of limitations on this debt may have expired, making it unenforceable and ineligible for reporting.

In light of the above, I request that Trans Union conduct a thorough investigation into the accuracy of the charge-off entry. I ask that you provide me with the following : 1. Documentation validating the debt, including the original signed agreement.

2. Proof of the last activity or payment made on the account.

3. Any other pertinent information related to the charge-off.

I also request that Trans Union temporarily remove the disputed charge-off from my credit report during the investigation process, as allowed under the FCRA.

Please provide a written response within 30 days as required by law, detailing the results of your investigation and any actions taken. If you are unable to verify the accuracy of the charge-off, I request that it be promptly removed from my credit report.

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, 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 2024-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I received a debit card in the mail for a new account with Netspend. Yesterday ( XX/XX/XXXX ), I spoke to a customer service representative to report this as a fraudulent account. They instructed me to report this to the FTC and said they would close the account at the close of business. I asked if I would receive a confirmation of this and they replied that an email would be sent to the email address on file. I told them this isn't a good idea, because it was a fraudulent account and, thus, the email probably wouldn't make it to me. They said there was no other option, so I asked to be transferred to a supervisor- at which point I was left on hold for 20+ minutes. I had to hang up because I needed to move on.

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 2024-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I spoke to a Bank Assistant Manager XXXX XXXX about a transaction and he said it would be fine if I keep the same debit card. I emailed the bank from my App to explain the history and the bank responded they do not know what this transaction is eventhough it was on my bank statement. They do not see it on their end. They further explained it could be a test transaction. My complaint is if the bank does not know it dies not appear to be alright. I asked several times by email to give the history to their higher management. I received the same responses. I asked was the transaction from my checking or debit card. I may be able to keep my account and get a new debit card. The transaction shows from my checking Account Number XXXX ( XX/XX/XXXX XXXX  XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1.00} ). 

XXXX XXXX explained he blocked the Merchant from any future attempts. My complaint was could he give me some kind of receipt. He said to me to email Chase using my App. Again Chase explained they so not know the history. 

I need to use your office to submit this history to find if law enforcement should study the history? 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
RE : CLAIM NUMBER XXXX On XX/XX/year> I noticed several unauthorized pending ACH transactions in our business checking account with Truist Bank . There were four ( 4 ) transactions totaling {$150000.00}. I immediately contacted the bank and spoke with XXXX the bank manager. I informed her of the fraudulent transactions. I also followed up sending her an email with a list of the fraudulent transactions. 

To date, the funds have not been credited back to our account. We are a small minority company who needs the funds for our working capital to sustain our business and to pay our employees. 

We have made several telephone requests to Truist asking them to escalate the matter to no avail. 

CFPB 's assistance is urgently needed as we seem to be going up against a brick wall. 

Your prompt attention to this matter is greatly appreciated. 
XXXX XXXX - Treasurer

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 2024-10-10 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act, the accounts listed below violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, and Account # XXXX XXXX XXXX  XXXX XXXX, have violated my rights. 

15 U.S.C 1681 section A states I have the to privacy, 15 U S C 1681 Section 604 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 is 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 2024-10-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was looking at car dealerships online, multiple ones. XXXX XXXX ran my credit report without my authorization. I have spoke with XXXX the finance manager at XXXX XXXX and he was going to research what happened. He never followed up with me. I contacted Experian and they refuse to help me stating I gave permission for the hard inquiry when I did not given authorization to any company to check my credit report and I want the hard inquiry off my credit report. I feel like I am getting the run around from XXXX XXXX and experian.

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 2024-10-10 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: MA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: NJ

Complaint narrative:
I am filing a complaint regarding Transunion for their failure to properly validate accounts that are being reported on credit file. Despite multiple requests, including three written communications, Transunion has failed to comply with the federal regulations under the Fair Credit Reporting Act. Specifically, I have requested that they provide a copy of the original contract bearing my signature, and proper validation of the debt including a full breakdown of the account. Despite my good-faith efforts to resolve this matter, they have been negligent in responding and I have not received the requested documentation or validation of the debt. This failure to act is a clear violation of federal law.

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to notify you of inaccuracies in your reporting concerning my account. According to the Fair Credit Reporting Act ( FCRA ), you, as the furnisher of information, are legally obligated to ensure the accuracy of the data you report. 

Account # XXXX Upon reviewing my credit report, The following errors have been identified : Account Name : XXXX High Balance : {$920.00} Date Opened : XX/XX/XXXX Balance Owed : {$250.00} ( as of the most recent reporting dates ) Account Status : Charged off as bad debt Dates Reported : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX I noticed that the account mentioned above is being inaccurately reported as both a charge-off and a collection account. As per my understanding, once a debt is charged off, it is considered canceled, and a Form 1099-C must be issued as evidence of this cancellation. Therefore, the debt should either reflect as canceled, or the current balance displayed on my credit report should be corrected. 

This inaccurate reporting violates the FCRA. I demand an immediate investigation into this issue, and I expect the necessary corrections to be made promptly.

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX I am writing to dispute fraudulent information on my credit report in accordance with 15 U.S.C. 1681c-2, and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer provides an identity theft report, credit bureaus must block any information identified by the consumer as a result of the identity theft within four business days. 

The following information on my credit report is the result of identity theft and must be blocked : Account | Account Number | Date Opened COXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by XXXX U.S.C. XXXX, please block this fraudulent information from my credit report immediately. This information must remain blocked for XXXX year, after which I can request an extension. During the blocked period, no fraudulent accounts or inquiries should be reported. 

I have contacted Equifax multiple times regarding these fraudulent accounts and inquiries on my credit report, and no solution has been provided. I am deeply affected as this information is not mine and it is harming my creditworthiness. I request all documentation proving that these accounts and inquiries are legitimate. I have requested a response from this agency, and after more than 60 days, I have received no response. 

Please assist me in removing these accounts and inquiries immediately. I am attaching the FTC report, hoping it will help you make a better decision regarding my situation. Thank you. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief