vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.

Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed 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 non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
One day, my credit card account simply disappeared from my account. I promptly called Bank of America to inquire about the reason behind this sudden closure, but they were unable to provide any satisfactory explanation. Instead, I was informed to wait for a letter. 

Upon receiving the letter, I discovered that the primary reason for my account closure was Irregular transactions or other activity on one or more of your accounts, with us and/or our affiliates, or on your credit profile. However, I have never engaged in any suspicious or irregular activities on my account. In fact, my transaction volume for last month was quite low. 

Undeterred, I reached out to Bank of America again, specifically requesting the actual transaction that could have been mistaken for irregular. Unfortunately, they were unwilling to provide me with this information. Furthermore, I have never received any suspicious reports on my credit report. The sole valid reason at this moment is discrimination and/or XXXX or origin profiling, just like the previous XXXX XXXX XXXXXXXX XXXX 

In an attempt to rectify the situation, I requested that my account be reopened, emphasizing the importance of preserving my credit score, which could result in significant financial consequences. However, my first bank, that I had been banking with for years, where I had maintained both my checking and credit accounts for several years, refused to assist me. They were even unwilling to provide me with the specific reason behind their decision.

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 2024-10-28 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: CO

Complaint narrative:
Experian account XXXX disputed as inaccurate dispute came back as nothing will deleted or changed infact i filed a complaint with the cfpb and nothing was changed in the photo docs below u will see all the inaccurate reporting from the three credit bureos, ive marked the discrepancy between all three bureos experian reports a collection account as open with monthly terms like a credit card and reports it late monthly so it re ages account to be more damaging i have no contract with this account with anyone ..the accounts .amounts, dates and statis are all diffrent

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 2024-10-28 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: PA

Complaint narrative:
I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit collection account for XXXX XXXX XXXX XXXX was deleted from my credit report, between XXXX XXXX and XX/XX/year> and on XXXX XXXX was added back to my report. According to the FCRA Reinsertion law 1681 I & subsection 5 if any information is deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Best Regards, 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 2024-10-28 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: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-10-28 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: GA

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

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: TX

Complaint narrative:
Errors on my credit report related to 15 USC 16c-2 show unauthorized hard inquiries, which are hurting my score. Please remove all inquiries I didnt authorize. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  Name : XXXX XXXX XXXX i am bank of america customer for 15 years. my business is XXXX XXXX and only way i can get paid from my client is through XXXX letter of credits or documentary collection. Bank of america offer these services as per their portal, however, beside my best efforts, i am refused as i am not a " XXXX XXXX XXXX XXXX '' as being told to me by business banker as well as treasury services. i dont know how to resolve it as i am being discriminated due to no fault of mine. Bank of america is offering services as such to many businesses but i m told, i am not qualified. i am refused any explanations or any policy references to relate to. 

I was told to get a referral from business banker. However business banker told me i am not qualified due to XXXX XXXX XXXX  limit.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Dear CFPB, I am writing to formally report a persistent issue I have encountered with XXXX XXXX XXXX regarding the inaccurate reporting of information related to a fraudulent auto loan under my name. Since 2016, XXXX XXXX XXXX has continuously reported false information to the credit bureaus, causing significant harm to my credit profile. 

Despite providing them with documentation proving that I was a victim of fraud, XXXX XXXX XXXX has failed to correct their records. Instead, they have re-reported this inaccurate information consistently for over seven years, which I believe violates the Fair Credit Reporting Act. 

The damages I have incurred due to this ongoing issue exceed {$15000.00}, both in financial losses and emotional distress. I am requesting that the CFPB intervene to ensure that XXXX XXXX XXXX removes all fraudulent reporting associated with my account. Additionally, I urge the Bureau to consider imposing a fine on XXXX XXXX XXXX for the harm caused by their negligence and failure to rectify this matter. 

I appreciate your attention to this urgent issue and look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: UT

Complaint narrative:
Dear CFPB, I am writing to formally report a persistent issue I have encountered with XXXX XXXX XXXX regarding the inaccurate reporting of information related to a fraudulent auto loan under my name. Since XXXX, XXXX XXXX XXXX has continuously reported false information to the credit bureaus, causing significant harm to my credit profile. 

Despite providing them with documentation proving that I was a victim of fraud, XXXX XXXX XXXX has failed to correct their records. Instead, they have re-reported this inaccurate information consistently for over

seven years, which I believe violates the Fair Credit Reporting Act. The damages I have incurred due to this ongoing issue exceed {$15000.00}, both in financial losses and emotional distress. I am requesting that the CFPB intervene to ensure that XXXX XXXX XXXX removes all fraudulent reporting associated with my account. Additionally, I urge the Bureau to consider imposing a fine on XXXX XXXX XXXX for the harm caused by their negligence and failure to rectify this matter. 

I appreciate your attention to this urgent issue and look forward to your prompt response.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This account # XXXX was purchased by a Third Party Debt Collector ( XXXX XXXX XXXX ). This account must be deleted as the status is not correct, the amount is not correct and the account was paid for less than owed by the Third Party Debt Collector ( XXXX XXXX XXXX ). How much did the collection company pay for this item? I don't know and my credit report does not reflect such amounts. This is a clear violation of the 15 USC 1681 ( a ) ( 1 ) : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

After multiple attempts to settle these issues with XXXX XXXX XXXX they have ignored all requests to delete this inaccurate information. 

In addition to inaccurate information being reported, this report is a violation of my privacy per the Privacy Act of 1974 and 15 USC 6802 ( b ) ( 1 ) ( a - c ) : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option AND a violation of USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

In this case my personal information was NOT RESPECTED and disclosed to third-party non-affiliates ( TRANSUNION, XXXX, XXXX ) without written or electronic notice of how to opt out of disclosure. 

THIS INFORMATION IS NOT ACCURATE NOR IS IT FAIR. AND A COMPLETE VIOLATION OF MY PRIVACY. Per 16CFR433.2 I have a right to uphold my rights as a consumer : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. 

Therefore this information must be DELETED 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 non-monetary relief
Consumer complaint received 2024-10-28 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: NY

Complaint narrative:
This account # XXXX was purchased by a Third Party Debt Collector ( XXXX XXXX XXXX ). This account must be deleted as the status is not correct, the amount is not correct and the account was paid for less than owed by the Third Party Debt Collector ( XXXX XXXX XXXX ). How much did the collection company pay for this item? I don't know and my credit report does not reflect such amounts. This is a clear violation of the 15 USC 1681 ( a ) ( 1 ) : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

After multiple attempts to settle these issues with XXXX XXXX XXXX they have ignored all requests to delete this inaccurate information. 

In addition to inaccurate information being reported, this report is a violation of my privacy per the Privacy Act of 1974 and 15 USC 6802 ( b ) ( 1 ) ( a - c ) : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option AND a violation of USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

In this case my personal information was NOT RESPECTED and disclosed to third-party non-affiliates ( XXXX, XXXX, EQUIFAX ) without written or electronic notice of how to opt out of disclosure. 

THIS INFORMATION IS NOT ACCURATE NOR IS IT FAIR. AND A COMPLETE VIOLATION OF MY PRIVACY. Per 16CFR433.2 I have a right to uphold my rights as a consumer : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. 

Therefore this information must be DELETED IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Chime Financial Inc
State: WA

Complaint narrative:
On XX/XX/XXXX I attempted an ATM withdraw for {$200.00} from an XXXX atm at XX/XX/XXXX on XXXX XXXX XXXX XXXX XXXX. I got a message " balance unavailable '' and no money was dispersed. Upon looking at my online account I notice the {$200.00} charge as pending. So with my last money I attempted to get {$10.00} cash back and at that time I was charge twice by XX/XX/XXXX ( XXXX XXXX ). I immediately called Chime and they said that they can't do anything about it. It's very frustrating because I have no other money. It's created a real hardship. This has happened now 3 times to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX of XXXX, I opened a joint account with my now ex-wife with Citibank. It was for my XXXX Affairs XXXX compensation checks to be deposited into. Furthermore, I never lived at the residence in question and only received mail there for a brief time. On XX/XX/XXXX of XXXX, I was XXXX and ended up doing 8 years in XXXX XXXX. During that time, though the deposits were still coming in, I had no access, physically or digitally to this account. Additionally, dyeing those 8 years the account was hacked and a victim of fraud several times and my ex-wife could not simply close the account due to my government funds going to it and she could not change that as she has no authorization or access to my VA account. When I got released from XXXX on XX/XX/XXXX, I tried to open a bank account with XXXX XXXX and XXXX and was denied and informed to file an inquiry with XXXX XXXX. Several weeks later, I get notices of fraud and past due debt to Citibank in the amount of {$1100.00}. I file a dispute and appeal with Citibank through XXXX XXXX and get back letters stating that all information regarding the account is verified and accurate despite me sending several forms showing I was XXXX with no access to said account. I am now filing a complaint against Citibank as well as XXXX XXXX for damaging fraudulent claims and possible infringement on my credit reports and score.

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 2024-10-28 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:
I recently reviewed my credit report, and noticed my XXXX XXXX account ( Account number XXXX ) was not reporting accurately. It showed i had a late payment, that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. I've attached a copy of my report to this complaint on the following date of XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

XXXX XXXX Last XXXX of SSN - XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, Ca, 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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX  XXXX Account Number : XXXX Bal. {$0.00} Account Name : XXXX XXXX Account Number : XXXX Bal. {$0.00} Account Name : XXXX  XXXX XXXX Account Number : XXXX Bal. {$0.00} Account Name : XXXX  Account Number : XXXX Bal. {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Bal. {$0.00} Account Name : XXXX XXXX  Date of XXXX : XX/XX/XXXX Account Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account Name : XXXX  Date of Inquiry : XX/XX/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