vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-13 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: NY

Complaint narrative:
All 3 credit bureaus have been notified that they are reporting XXXX card payment on my credit report from XX/XX/XXXX as late. I have called and sent letters to XXXX  to rectify the situation because I have never paid them late every month I have made a payment I have payment scheduled to show Ive contacted all three bureaus. No one has fixed this they have sent Correction over to the company. The company keeps sending it back as its valid. Finally I spoke to someone in XXXX. They said they sent a letter out XX/XX/XXXX acknowledging what I said is accurate, and that they are fixing it. Theyre telling me I should wait 90 days theres no reason for me to wait 90 days when this has been reporting eight months now and incorrectly and ruining my credit. The problem is still shows on my credit reporting all three agencies as a late payment over 30 days. Consumer law 15 USC 1681 permissible purpose, states that it is a violation to report anything these bureaus want on my report without my written consent. I do not give the consent I want this removed, and Marked paid as agreed for all months for all 3 credit bureaus.

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has all of my info, some right. Most info mainly most wrong... but they do not have this info that shows correct documentation nor the issue of the disputes. nor can you place any uploads to show that you creditors is breaking laws under the fair credit acts. 
it's really a shame that we the USA has such a horrible consumer abusive credit system. we really need a better system. Consumer protection why have these unreliably credit bureaus, save us taxpayers some time and money by closing them and just you guys the consumer protection run things, we consumers must always come and cry to you people anyway because these horrible 3 national credit bureaus never get anything most right, they ruin consumers lives, they allow massive inquires and then the consumer like you will see samples of must suffer. I am sending you the exact same info that I need for the Consumer Protection Agency to get tough with Experian to get them to do my updates plus get a better website for consumers to upload info. Cut us consumers a break huh ... I know I only speak for me that I am sick and tired of paying for lawyers in this bad XXXX economy, can we all get on the same page so I can have money to pay my bills on time not lose my apartment home. and can not get another apt . home in my name due to faulty info on my national credit reports.

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian Credit Reporting has Removed an Open Account as well the Inquiry from the company of the account ( XXXX  XXXX ) from my Credit Report. The Company has reported it Open as well as Credit Usage to Experian from 2022 to date. My Credit Report states that I have " 0 Open Accounts '' and " 0 Credit Usage. '' This is Fraud and a Violation of my Rights 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 2023-08-13 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: DE

Complaint narrative:
According to the FAIR CREDIT REPORTING Everything has to be one hundred percent accurate on my credit report. 
The credit bureaus stated my account was properly investigated but how is that possible if there is a credit sale deficiency, it is reporting that this account type as a loan when in fact, this alleged arrangement is acknowledged by the governing laws as a credit sale. This has never or will be a loan agreement in place. Under any premises were goods or money loaned to me, the alleged debtor. It is a direct violation of FCRA to knowingly furnish or report false and incomplete information. 

Also the reporting of the lateness on the credit report is in accurate, it states I was current then 30 days late XX/XX/2018, 90 days late XX/XX/2018 and the vehicle was reposed in XX/XX/2018. 
The date last reported is inaccurate, this is grounds for removal they also violated my rights under 15 U.S.C 1681 SECTION 602 A : states that I have the right to privacy 15 U.S.C 1681 SECTION 604 A SECTION 2 : states that a consumer reporting agency can not furnish a account without my written instructions Lastly the reinvestigation has taken more than 30 days.

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 2023-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I received a XXXX credit card in the mail that I did not apply for on XX/XX/23. I contacted Chase that day and they cancelled the card and said they reported it to the credit bureaus as fraudulent. They advised that the card had a XXXX balance and had not yet been activated. 

I also got a phone call the same day from the fraud alert team at Chase regarding a checking/savings account. I reached out to that division of their fraud department and they closed a fraudulent account there as well. Had I not received the credit card in the mail, I may not have followed up on the fraud alert phone call, as I thought the phone call might be a scam ( since I had not opened a Chase checking/savings account ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 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:
violation of credit bureaus to report information on my credit report without my consent. legal code 15USC code 1681b. this is identity theft

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 2023-08-13 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: AZ

Complaint narrative:
violation of credit bureaus to report information on my credit report without my consent. legal code 15USC code 1681b. this is identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On the date of XXXX XX/XX/2023, I filed a credit report dispute with Equifax concerning a collection entry attributed to XXXX XXXX on my credit report. Within my dispute submission, I furnished concrete legal evidence validating the full payment and settlement of the account in question. This submission substantiated that the collection attempt was not only unlawful in its pursuit of debt recovery, but also posed a detrimental threat to my credit history. 

Regrettably, the subsequent investigation by the credit reporting agency conspicuously dismissed the irrefutable documentation I presented as evidence. Instead, undue emphasis was placed solely upon a statement offered by the collection agency. This course of action undermines the legal protections outlined in state statutes, which are designed to safeguard consumers against unfair and illicit credit reporting practices. 

I am deeply concerned by this blatant disregard for the legal rights and protections afforded to me as a consumer. The actions of both the credit reporting agency and the collection agency deviate from the parameters set forth by state law, infringing upon the fundamental principles of equitable and transparent credit reporting. 

I am appealing to the Consumer Financial Protection Bureau to ensure that my rights are upheld, and that the appropriate corrective measures are taken to rectify this situation. It is my firm belief that through the enforcement of relevant state laws, my case will be given the legal consideration and confidence it rightly deserves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: TN

Complaint narrative:
I have applied a gift card to my XXXX XXXX account. The only allow 1 payment card per transaction. So if you end up with a gift card that is under {$1.00} it's not able to be used. This is forced breakage. 

You used to be able to combine gift cards or use a credit card with a gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: MI

Complaint narrative:
The United States Bankruptcy Court for the XXXX XXXX of Michigan does not report individual bankruptcy case filing data to credit reporting agencies. Nor do they update information directly to the credit bureaus. I have supporting documents.

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 1681 c. ( a ) ( 5 ) 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 crime 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 a reasonable cause to believe that the information is in 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 2023-08-13 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: MI

Complaint narrative:
The United States Bankruptcy Court for the XXXX XXXX of Michigan does not report individual bankruptcy case filing data to credit reporting agencies. Nor do they update information directly to the credit bureaus. I have supporting documents.

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 1681 c. ( a ) ( 5 ) 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 crime 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 a reasonable cause to believe that the information is in accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: NY

Complaint narrative:
All 3 credit bureaus have been notified that they are reporting XXXX card payment on my credit report from XX/XX/XXXX as late. I have called and sent letters to XXXX to rectify the situation because I have never paid them late every month I have made a payment I have payment scheduled to show Ive contacted all three bureaus. No one has fixed this they have sent Correction over to the company. The company keeps sending it back as its valid. Finally I spoke to someone in XXXX. They said they sent a letter out XX/XX/XXXX acknowledging what I said is accurate, and that they are fixing it. Theyre telling me I should wait 90 days theres no reason for me to wait 90 days when this has been reporting eight months now and incorrectly and ruining my credit. The problem is still shows on my credit reporting all three agencies as a late payment over 30 days. Consumer law 15 USC 1681 permissible purpose, states that it is a violation to report anything these bureaus want on my report without my written consent. I do not give the consent I want this removed, and Marked paid as agreed for all months for all 3 credit bureaus.

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 2023-08-13 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: NY

Complaint narrative:
All 3 credit bureaus have been notified that they are reporting XXXX card payment on my credit report from XX/XX/XXXX as late. I have called and sent letters to XXXX to rectify the situation because I have never paid them late every month I have made a payment I have payment scheduled to show Ive contacted all three bureaus. No one has fixed this they have sent Correction over to the company. The company keeps sending it back as its valid. Finally I spoke to someone in XXXX. They said they sent a letter out XX/XX/XXXX acknowledging what I said is accurate, and that they are fixing it. Theyre telling me I should wait 90 days theres no reason for me to wait 90 days when this has been reporting eight months now and incorrectly and ruining my credit. The problem is still shows on my credit reporting all three agencies as a late payment over 30 days. Consumer law 15 USC 1681 permissible purpose, states that it is a violation to report anything these bureaus want on my report without my written consent. I do not give the consent I want this removed, and Marked paid as agreed for all months for all XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I noticed some unauthorized inquiries on my Transunion credit report. Per TransUnion 's rules, a FTC identity theft report has to be filed in order to get them removed. I completed the report and mailed it into TransUnion. I called them to follow up on the removal of the inquiries and was told that my account was being handled by a supervisor and was immediately transferred to one. The first thing I asked was why is my account being handled by a supervisor. I was told that it's because there was a fraudulent report received. I said ok if the report was received why haven't the inquiries been removed? She stated that because the freeze was lifted online when the inquiries were made. I said well isn't that the point of filing a FTC identity theft report?? Isn't that the way most identities are stolen, online?? Someone hack 's your information and uses it for fraudulent purposes! Who are you to tell me that my information wasn't stolen?? I want every inquiry dated XX/XX/2023 and after removed from my credit report immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: AZ

Complaint narrative:
violation of credit bureaus to report information on my credit report without my consent. legal code 15USC code 1681b. this is identity theft

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: VA

Complaint narrative:
In reference to Discover Bank Account # XXXX On XX/XX/, I wrote Discover Bank a letter informing them of their inaccurate reporting of an account on my consumer reports. Discover Bank is in violation of multiple laws set forth by Congress. 
15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Discover Bank ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Discover Bank ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. 
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! 
By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from Discover Bank for the cancelled debt of {$6000.00} in order to file as ordinary income. Where is my 1099-C Discover Bank is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is unsatisfactory! 
Discover Bank has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information, and as such I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: Credit Karma, LLC
State: MO

Complaint narrative:
Someone created an account with credit karma and is illegally accessing my account as it was linked to an email I dont recognize. The email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In reference to Wells Fargo Account # XXXX On XX/XX/23, I wrote Wells Fargo a letter informing them of their inaccurate reporting of an account on my consumer reports. Wells Fargo is in violation of multiple laws set forth by Congress. 
15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Wells Fargo ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Wells Fargo ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. 
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! 
By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX  for the cancelled debt of {$3700.00} in order to file as ordinary income. Where is my 1099-C Wells Fargo is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is unsatisfactory! 
Wells Fargo has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information, and as such I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation