vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
Chex Systems XXXX XXXX XXXX XXXX MN XXXX Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX. 

XX/XX/XXXX SS 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 2024-09-08 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: MI

Complaint narrative:
You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline items are inaccurate. 


Account Name : XXXX Account Number : XXXX The inaccurate that you are reporting concerning me is harming me personally, emotionally, and financially, and causing me damage.

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 2024-09-08 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: NJ

Complaint narrative:
Hello, I need to dispute the following inquiries below on my EQUIFAX report. I have tried my best to contact these companies first but nobody could give me proof that it was me who authorized these. I tried contacting them by phone and mail. I believe these are fraudulent and not me who authorized them. I have also submitted FTC reports as this is likely identity fraud. Please assist me with getting these removed. I will also try to contact an attorney. Thank you. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I sent an endorsed negotiable instrument as tender of payment in XXXX XXXX to Capital One credit card company. I received no response, but an unannounced closing of XXXX credit card accounts at the end of XXXX XXXX. If they had a question about the payment they should've given the courtesy to contact me. At about the same time as sending the payment, I opted out over the phone of XXXX party reporting. 

When I spoke with a representative after the " unannounced '' closing of both accounts they said the reason was for breaking their policies. I asked about what policies were broken since I've been a longstanding customer. They said something about gambling & excessive charges which were ALL untrue. I don't gamble and there were no excessive charges. I usually pay my account in full. In my opinion, they're assuming I committed fraudulent activities which is inaccurate. I'm requesting an investigation with the intent to re-open both accounts with a clean reporting record or remove them immediately from all XXXX credit bureaus. 

Attached is an example of the payment & letter of instructions I sent them, but it was for two accounts for different amounts. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This is kind of a long complicated story. 

On XX/XX/year> I went to see a veterinarian looking for the best one to treat my bird, XXXX, whom I had for XXXX  years. This was a third opinion and this vet knew that. He used unfair business practices and deception to make me choose him. One of them being, telling me he was the only board certified XXXX XXXX this side of XXXX XXXX. He disparaged my current vet. I stopped my search for the most qualified vet then because he told me there were no others. Not true. He, ade me do expensive tests to determine if she would be ok for XXXX. That visit was {$330.00}. 

He called me a couple of days later telling me that she was ok for XXXX. I scheduled XXXX for the XXXX of XXXX. She never woke up after XXXX. XXXX months later, when I finally was given her medical records, her test results showed she was not ok for XXXX. He lied to me to get the sale, {$1500.00}. 30 days later only because I told them to, they credited me around {$250.00}. The total amounts in question are {$330.00} and {$1200.00}. 

A lot happens in between. 

I then started contacting Care Credit through Synchrony bank. Disputing the charges base on being lied to and his failure to provide the expected care from the expert he claimed to be and the only reason I let him care for the most important thing in my life. 

Synchrony bank refused to work with me and closed my account and turned me over to collections. My credit score went from a XXXX to a XXXX. 

I contacted synchrony corporate office and explained the problem. I sent them a thick envelope full of proof and they sided with the doctor based on one paragraph of lies. This vet uses these deceptive practices on other clients as well. I sent them all the proof they would need and even offered my phone records to prove that the doctors office was lying. 

Synchrony has denied my claim and my credit score has suffered because I refuse to pay for someone to receive me and be wreck less with my precious bird. The credit card company will not even consider consumer protection roles I thought they needed to follow to protect consumers from fraud. I have more documents if you need them. I've tried working with them to resolve this issue but they are unwilling to protect me from these unfair business practices and deception.

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 2024-09-08 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: NJ

Complaint narrative:
Hello, I need to dispute the following inquiries below from my TRANSUNION report. I have tried my best to contact these companies first but nobody could give me proof that it was me who authorized these. I never heard of these companies in my life. I tried contacting them by phone and mail. I believe these are fraudulent and not me who authorized them. I have also submitted FTC reports as this is likely identity fraud. Please assist me with getting these removed. I will also try to contact an attorney. Thank you. 

XXXXXXXX XXXX  ( Bank ) - XX/XX/year>XXXX XXXX XXXX ( Bank ) - XX/XX/year> XXXXXXXX XXXX XXXX  XXXX Bank ) - XX/XX/year> XXXX ( Finance ) - XX/XX/year>XXXX XXXX XXXX  ( Bank ) - XX/XX/year>

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 2024-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This XXXX XXXX XXXX is not original creditor my information was sold to them and they put this derogatory mark on my credit XXXX XXXX and they keep harassing me with phone calls repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year> Chase sent me email that they have closed my accounts, including my saving that has large amount of funds $ XXXX, that money is for my down payment as Im closing on my first home on XX/XX/year> and I have to have the down payment to close on the house, I told Chase I need my money they said the account closed and the fund is held till the back office finish the process and send me a check and its going to take XXXX days, I told them I cant I need the fund by Tuesday as Im going to the title company Wednesday morning to close on the house, and how come they never told me they were going to close the account so I can take my funds, they said they dont have to inform me, the person from the back office escalated the issue then Saturday morning on the XXXX of XXXX I called again and they said they but a note on the account to go to the branch and withdraw the funds, I went to the branch and they said they cant give it to me, I called the back office again and they said we cant force them as the branch manager refused to honor your situation, then chase back office told me they cant do nothing and they are sorry Im going to lose the house!!!, I explained to them its not just losing the house I have signed contract and I have to go with down payment, then they refused to continue the call.. I really need help. 

The Chase branch I went to XXXX XXXX XXXX XXXX IL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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:
= The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, Account name : XXXX XXXX  Account name : violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Hi my name is XXXX XXXX I am the owner of my Huntington bank Account. My account was closed for no reason an no explanation given. I tried calling, emailing, ect .... Still no REASON as to why my account was closed with a remaining balance was told they will mail me out a check with my remaing funds it has been a month and a half i had my work checks etc being sent there my rent was bounced bank now i am behind and at a verge of being kicked out and homeless i was told that this company can help me i need it please. i have a renaming balance of about XXXX and huntington closed my account on around the date of XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JP Morgan Chase Bank NA submitted a 1099-C to the IRS in XXXX but they never attempted to collect the debt from me or notify me from when it was charged off in XXXX. This account was charged off in XXXX when I was divorcing my ex husband and we were using XXXX XXXX to handle and settle and make payments on our accounts. According to Florida Law the statue of limitations were up in 5 years which was XXXX. This was illegal activity from JP Morgan and not only that, there was never any attempt to collect the debt from me. They never attempted to collect, and all this time later is a violation of Florida collection laws. There was NO ACTIVITY TO COLLECT in 7 years. 

The IRS form XXXX statute of limitations sets the timeframe during which the IRS can assess additional taxes or the taxpayer can amend returns related to canceled debt income. Here are some key points : Typically, this statute extends for XXXX years from the due date of the tax return with reported canceled debt income1.

You should receive Form 1099-C by XXXX XXXX the year after the debt was canceled or forgiven2. 
Generally, there is no statute of limitations on a 1099-C, but the creditor does have to send you the form promptly so that you can include it on your tax returns3. 
Statutes of limitations vary by state and by type of debt, but creditors are not required to file a 1099-C at that time since they can continue to try to collect on debt indefinitely4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: MI

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681 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  has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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 2024-09-08 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: MI

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy 15U.S.C 1681 section 604 A. Section 2 : it 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 items 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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX  is reporting that I was late on my payments for 30-60 days but I have proof payment was made in advance for the months they are claiming, payment was not received. I contacted them over the phone and they informed me they can not do anything about it or make changes since it is already being reported. 

I have written to XXXX, XXXX and Transunion, for the past seven ( 7 ) months, regarding the inaccurate information they are reporting, on behalf of XXXX XXXX, about my payment history. The three bureaus are reporting my payment history as Current, was past due 60 days OR Paid or paying as agreed but reflects the inaccurate missing payments, still, under section two-years payment history. 

I have sent out over three letters asking to validate debt and providing letters with proof of missed payments but nothing has been resolved. This is effecting everything from buying a home to my health. I really would like to get this resolved. My account is closed and XXXX XXXX has sent me checks because I overpaid the account. 

I received a statement from XXXX XXXX for XX/XX/year>XXXX  with a statement balance {$380.00} that was due XX/XX/year>. A payment was made on XX/XX/year>XXXX  for an amount of XXXX. Payment was processed and accepted. 

My XX/XX/year>XXXX  statement had a balance of - {$37.00}. They may be reporting I missed a payment because I did not have a balance to pay but I should not have a low score because I paid my bill balance. Look forward to this being rectify.

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