vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding the treatment of charge-off accounts by credit reporting agencies XXXX, Experian, and XXXX, in violation of 15 USC 1681 ( 2 ) ( a ) ( i ). This issue pertains to the improper categorization of charge-off accounts as income by the Internal Revenue Service ( IRS ) , as well as the inclusion of these accounts on my credit report despite legal prohibitions. The IRS considers charge-off accounts as income, which is a policy that is fundamentally flawed and unfair to consumers. Charge-offs represent debts that have been deemed uncollectible by creditors and are typically written off as losses. However, the IRS treats these write-offs as income to the consumer, resulting in tax liabilities for individuals who are already facing financial hardship due to the inability to pay off these debts. Furthermore, according to 15 USC 1681 ( 2 ) ( a ) ( i ), credit reporting agencies such as XXXX, Experian, and XXXX are prohibited from reporting information that is inaccurate or can not be verified. Charge-off accounts, by their nature, are debts that have been discharged or written off by creditors and should not be included in credit reports as they no longer represent active obligations. Despite these legal mandates, I have observed that XXXX, Experian, and XXXX continue to report charge-off accounts on my credit report, which is not only inaccurate but also damaging to my creditworthiness and financial standing. This practice creates unnecessary obstacles for me in obtaining credit, securing housing, and accessing other financial opportunities. Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure that XXXX, Experian, and XXXX comply with the provisions of 15 USC 1681 ( 2 ) ( a ) ( i ) by ceasing the reporting of charge-off accounts on consumers ' 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 2024-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
Tried to resolve issue with company which demand s money for numerous charges! After this attempt company repeatedly reported multiple bills on credit report constantly within a month time period to keep knocking score down! Just keep updating constantly! Company name : wakefield! Four different amounts : {$200.00} {$340.00} {$650.00} {$310.00} And they just keep adding! When calling to talk they just demand money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-05-20 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: NJ

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have paid off my auto account with Ally Auto since XXXX or XXXX of XXXXHowever late payment and account still reporting on my credit. When I reached out to Ally was advise that though account is paid off it will not be removed from credit reporting for another XXXX years therefore interfering with my rent score and ability to get approved for a place to live. 

The delinquent account that I have with XXXX XXXX and XXXX has been paid off since XX/XX/XXXX but still reflecting negative on my credit report making it hard for my rent score to increase and me be able to move into a home when I made contact with the debt collector I was advised that even though account is paid in full it will not fall off of credit reporting until 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 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2024, I received mail from Bank of America stating " We've made the decision to close your credit card. '' for " Irregular authorized user activity on XXXX or more of your accounts ''. 

When I called on the phone, they stated the same thing. I requested further information regarding which irregular activity it is, which they responded with " We can not provide more information ''. 

I told them this is against my consumer rights to not provide any more information, as they can state this, without giving any evidence to why, even if my account had no irregular activity, and I would be taking legal action if they do not. But again, they have mentioned that they are not able to provide further information.

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 2024-05-20 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: TX

Complaint narrative:
I request that XXXX investigates my case and removes incorrect information that was noted on my credit scores. XXXX claims that my payments were not made on time and the account was noted as a loss with a " Chargeoff '' and " Repossession '' - all my payments were made ahead of schedule as shown in documentation provided and statements issued by XXXX that show no outstanding balance or late fees. In fact, XXXX just issued me a refund on XXXX for the sell of the car which shows that my account was not at a loss. Also, on calls with XXXX from the XXXXXXXX XXXX  XXXX Department, she confirmed that XXXX issued repossession due to internal paperwork ; not because I defaulted on my account. XXXX was aware of the ongoing issues with the party at fault not responding to damages of my totaled car and was aware of the separate lawsuit that was filed. While the lawsuit with the party at fault was ongoing, XXXX asked to pick up the totaled car from storage to auction it off and the sale price would be credited to my account- the agreement was for XXXX to pick up the car and I would continue to make my payments so that XXXX would not report anything to the credit bureaus ( as noted in total loss statement from XXXX and provided in documentation ). I did not default on this promise and XXXX has not kept their word and instead issued negative derogatory marks on my credit scores. XXXX from XXXX has not responded in writing to my XX/XX/16 email ( email provided in documentation ). XXXX has misled me and has not held their end in following their due diligence. They need to own up to what they agreed to on phone calls and remove all negative derogatory marks on my credit scores.

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 2024-05-20 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: TX

Complaint narrative:
I request that XXXX investigates my case and removes incorrect information that was noted on my credit scores. XXXX claims that my payments were not made on time and the account was noted as a loss with a " Chargeoff '' and " Repossession '' - all my payments were made ahead of schedule as shown in documentation provided and statements issued by XXXX that show no outstanding balance or late fees. In fact, XXXX just issued me a refund on XXXX for the sell of the car which shows that my account was not at a loss. Also, on calls with XXXX from the XXXXXXXX XXXX  XXXX Department, she confirmed that XXXX issued repossession due to internal paperwork ; not because I defaulted on my account. XXXX was aware of the ongoing issues with the party at fault not responding to damages of my totaled car and was aware of the separate lawsuit that was filed. While the lawsuit with the party at fault was ongoing, XXXX asked to pick up the totaled car from storage to auction it off and the sale price would be credited to my account- the agreement was for XXXX to pick up the car and I would continue to make my payments so that XXXX would not report anything to the credit bureaus ( as noted in total loss statement from XXXX and provided in documentation ). I did not default on this promise and XXXX has not kept their word and instead issued negative derogatory marks on my credit scores. XXXX from XXXX has not responded in writing to my XX/XX/year> email ( email provided in documentation ). XXXX has misled me and has not held their end in following their due diligence. They need to own up to what they agreed to on phone calls and remove all negative derogatory marks on my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: TX

Complaint narrative:
I request that XXXX investigates my case and removes incorrect information that was noted on my credit scores. XXXX claims that my payments were not made on time and the account was noted as a loss with a " Chargeoff '' and " Repossession '' - all my payments were made ahead of schedule as shown in documentation provided and statements issued by XXXX that show no outstanding balance or late fees. In fact, XXXX just issued me a refund on XXXX for the sell of the car which shows that my account was not at a loss. Also, on calls with XXXX from the XXXXXXXX XXXX  XXXX Department, she confirmed that XXXX issued repossession due to internal paperwork ; not because I defaulted on my account. XXXX was aware of the ongoing issues with the party at fault not responding to damages of my totaled car and was aware of the separate lawsuit that was filed. While the lawsuit with the party at fault was ongoing, XXXX asked to pick up the totaled car from storage to auction it off and the sale price would be credited to my account- the agreement was for XXXX to pick up the car and I would continue to make my payments so that XXXX would not report anything to the credit bureaus ( as noted in total loss statement from XXXX and provided in documentation ). I did not default on this promise and XXXX has not kept their word and instead issued negative derogatory marks on my credit scores. XXXX from XXXX has not responded in writing to my XX/XX/16 email ( email provided in documentation ). XXXX has misled me and has not held their end in following their due diligence. They need to own up to what they agreed to on phone calls and remove all negative derogatory marks on my credit scores.

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 2024-05-20 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: CA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
So on XX/XX/XXXX XXXX XXXX XXXX called me and said they sent a cashier check of {$420000.00} to my address and i asked why they didnt call me earlier before they sent out the cashier check to give me the tracking number or to even verify my address given the amount on the check. I went further to inform them that I no longer live in the XXXX XXXX address since XXXX and i am unable to access the address. I also reached out to the property manager and i was told there was no mail in the mailbox. I also requested that there should be a stop payment placed on the check and that XXXX very worried of the check getting into the wrong hands.i was later assured that nothing would happen to the check and if anybody try to cash out the check, it wont go through but i should go into the branch first thing in the morning on XX/XX/XXXX due to the fact that i was called by XXXX  on XX/XX/XXXX XXXX when the check already arrived at the address. So i was asked to go in the branch the next day to sign the lost/ stolen check declaration and other documents. I went in the bank and spoke to a branch manager and i filled all the paperwork and i was assured that nothing would go wrong and no one would be able to cash my cashier check and i should be receiving a new check to my new address on Monday XX/XX/XXXX. On XX/XX/XXXX i called the bank so request for the tracking number of the mail which is to be delivered to my address on XX/XX/XXXX and i was told that it was cashed out in citizens bank in on XX/XX/XXXX. So i asked how that was possible given that I did everything chase asked me to do right on time and i was assured that my money is safe. And also the cashiers check was paid out to only me so how would someone go into citizens bank and negotiate a cashier check in my name and citizens bank paid it out to the person. XXXX further asked me to file a police report and also fill out the forged signature document and open a claim on the money. I did all that and i was asked to wait XXXX XXXX. My main aim is to be able to get my money back without any excuse because my money is meant to be insured by XXXX, and citizens bank were supposed to verify the check from chase before releasing it to whoever came in the branch with my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: NY

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-05-20 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: NH

Complaint narrative:
I am opening this for the second time. XXXX refuses to provide any information to me in regards to this account. I have requested they send me any agreements, contracts invoices bills receipts.. but they wont do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: CITIBANK, N.A.
State: WI

Complaint narrative:
I have had my Citibank card hacked to the balance of approx. {$1300.00}. That happened between XX/XX/XXXX and XX/XX/XXXX. I closed my card and they sent me another card that I never activated. They allowed more charges saying they were reoccurring charges however, thery were not my reoccuring charges. They were for cell phone accounts. I called them again when I saw more charges and they closed the card and sent me another card that I never activated but they allowed more charges. I have been able to have charges reversed and gotten my balance down to zero. Citibank then decided to reverse some of the charges and the balance is now XXXX. They are saying that I was at restaurants in Michigan and XXXX XXXX and had a membership to an online health club. I have done none of this. Never purchased these services and have never been in XXXX XXXX or Michigan. I have never asked for a health club membership and now they are saying there is something with XXXX XXXX XXXX. I have spent hours on the phone with multiple people from Security ops to customer service and just spent another XXXX hours with them today ( XX/XX/XXXX ) and they always say they are going to reverse charges and then it doesn't happen. That has happened no less than 4 times. They now have put on my credit report that I have not paid them in 90 days and they are ruining my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX Incorrect Name XXXX XXXX XXXX  XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear To Whom may concern, I am writing this letter to you that I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION that you provide : XXXX. Validation of the debt that is the actual accounting. 
XXXX. Verification of their claim against you : that is, a signed Invoice. 
XXXX. A copy of the contract binding between me and you in a letter by certified mail. 
XXXX. Full disclosure because I was not told that I was creating the credit with my wet ink signature. 
XXXX. Equal consideration because you as the creditor brought nothing of value to the table. 
XXXX. Lawful Terms and Conditions. 
XXXX. Wet ink signatures between you and me. 

Reporting information you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: TX

Complaint narrative:
All my accounts handled by Juno Finance, A service by CapitalJ Inc, have been frozen since around XX/XX/XXXX ( as far as I noticed ). Limited information was given regarding the situation, such as that this is due to a dispute between their partner XXXX and the partner bank  XXXX XXXX  XXXX XXXX. However, there has been no further information, except that starting XX/XX/XXXX, no interest payments will be paid any longer.

Company response to consumer: Closed with explanation