vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-02 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to address the inaccuracies present in my credit report across the three major reporting agencies- XXXX, Experian, and XXXX. The Fair Credit Reporting Act explicitly states that information can not be reported without my consent. It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security of their non-public personal information. 

In my report, I have observed discrepancies regarding an account with XXXX XXXX. XXXX reports the account as being opened on XX/XX/year>, while Experian and XXXX report different open dates- XX/XX/year>. This inconsistency is not only inaccurate but also detrimental to my credit standing. I request the immediate removal of this item from my credit report. 

Furthermore, XXXX and Experian report a credit limit of {$550.00} for this account, whereas XXXX reports the credit limit as {$0.00}. These discrepancies further compound the inaccuracies in my report. 

The laws 15 USC 1681n and 15 USC 1681o are crucial in defending my claims. These provisions outline the civil liabilities for noncompliance with the Fair Credit Reporting Act, emphasizing the importance of accurate reporting by the credit reporting agencies.

Additionally, 16 CFR 313 and 16 CFR 313.7 play a significant role in defending my claims. These regulations pertain to the privacy of consumer financial information and mandate accurate reporting to ensure consumer privacy rights are upheld. 

It is also notable that while XXXX and XXXX report this account as current, Experian inaccurately lists it as 90 days late. This disparity in reporting further underscores the need for immediate correction.

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 2024-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: CO

Complaint narrative:
On XX/XX/year> I received an email starting my email was removed from my XXXX XXXXXXXX account. Mine later XXXX then sent an email that a loan was taken out via XXXX XXXX XXXX I started a chat with credit karma to close the fraudulent account, but they will not investigate who hacked them and used my data to get a loan. I asked for this information to be pushed to the hiring up so that they are wear of the back and fraudulent loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I spoke to several representatives who told me that I was eligible for a refund of {$5500.00}. However, it's been a month now and after numerous calls, I was informed by a different representative that they couldn't process the refund because the payment was supposed to be processed on the XXXX, but it went through on the XXXX, causing my credit line to drop. The setting was on automatic, and I'm not sure if this is my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I explicitly request an immediate and comprehensive investigation into the following account : XXXX  : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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:
Account Name XXXXXXXX XXXX Account Number : XXXX Late Payment Date : XXXX I am writing to dispute the following inaccurate information that appears on my credit report. Under the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. Additionally, if an open-end consumer credit plan provides a grace period during which the obligor may repay any portion of the credit extended without incurring an additional finance charge, such a charge may not be imposed unless a statement including the amount upon which the finance charge is based was mailed or delivered to the consumer not later than 21 days before the date specified for payment. In accordance with 15 U.S.C. 1666b, I request that the credit bureau conduct a thorough investigation of these items and correct or remove the inaccurate information from my credit report. You can also check below attachment that i am paying on time.

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 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am currently in the process of purchasing a XXXX and had my consumer report ran. Received notification there was a new listed collection account with XXXX XXXX for an alleged debt with XXXX XXXX for {$1600.00}. I reached to the original creditor to dispute the claim. They have a falsely created account that I have never attended and directed me to the collection agency. They were not able to assist the dispute or do any form of due diligence of resolving the issue.

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 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am currently in the process of purchasing a home and had my consumer report ran. Received notification there was a new listed collection account with XXXX XXXX for an alleged debt with XXXX XXXX for {$1600.00}. I reached to the original creditor to dispute the claim. They have a falsely created account that I have never attended and directed me to the collection agency. They were not able to assist the dispute or do any form of due diligence of resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am currently in the process of purchasing a XXXX and had my consumer report ran. Received notification there was a new listed collection account with XXXX XXXX for an alleged debt with XXXX XXXX for {$1600.00}. I reached to the original creditor to dispute the claim. They have a falsely created account that I have never attended and directed me to the collection agency. They were not able to assist the dispute or do any form of due diligence of resolving the issue.

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 2024-06-02 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: NM

Complaint narrative:
Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I am explicitly requesting an immediate and comprehensive investigation into the following account : XXXX XXXX XXXX I : No Account Number Given

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 2024-06-02 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: NM

Complaint narrative:
Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I am explicitly requesting an immediate and comprehensive investigation into the following account : XXXX XXXX XXXX I : No Account Number Given

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the inaccuracies present in my credit report across the XXXX major reporting agencies- TransUnion, XXXX, and XXXX. The Fair Credit Reporting Act ( 15 USC 1681 ) explicitly states that information can not be reported without my consent. It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security of their non-public personal information. 

In my credit report, I have identified discrepancies concerning an account with XXXX TransUnion reports the account as being opened on XX/XX/year>, while XXXX and XXXX report different open dates- XX/XX/year>. This inconsistency is both inaccurate and detrimental to my credit profile. I request the immediate removal of this item from my credit report. 

Furthermore, TransUnion and XXXX report a credit limit of {$300.00} for this account, whereas XXXX reports the credit limit as {$0.00}. These discrepancies in credit limit information across the reporting agencies further compound the inaccuracies in my report. 

The laws 15 USC 1681n and 15 USC 1681o are vital in defending my claims. These provisions outline the civil liabilities for willful and negligent noncompliance with the Fair Credit Reporting Act, emphasizing the importance of accurate reporting by the credit reporting agencies. The continued reporting of inaccurate information despite my dispute suggests willful noncompliance ( 15 USC 1681n ) and/or negligent noncompliance ( 15 USC 1681o ).

Additionally, 16 CFR 313 and 16 CFR 313.7 are pertinent to my claims. These regulations pertain to the privacy of consumer financial information and mandate accurate reporting to ensure consumer privacy rights are upheld. Reporting inaccurate information without my consent infringes upon my privacy rights, and these regulations mandate the protection and accuracy of such information. 

It is also noteworthy that while TransUnion and XXXX report this account with a high credit limit of {$250.00}, XXXX inaccurately reports the credit limit as {$300.00}. This disparity in reporting further emphasizes the urgent need for correction.

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 2024-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am using a XXXX reward credit card from Wells Fargo. And I have made a payment using XXXX XXXX  account. Due to the checking account issue ( XXXX XXXX XXXX ), the latest payment was reverted. I made the payment before the due date and was unaware of the checking account issues. 

However, Wells Fargo closed my account. The reason is suspicious payment activity. I tried to reach Wells Fargo but they can not solve it and want to transfer the call to the XXXX team.

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 2024-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC closed my account without any letter or warning. XXXX XXXX and receive a deposit every month. I need XXXX, XXXX and to pay my bills. Plus automatic payments come out of my account each month. This is causing a XXXX to me and I will be getting late payments due to my account being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have attempted to resolve these issues over the phone but, it seems like im just getting the round about and i really need this issue resolved because it is holding me back from moving forward in life. Please help me. The dates below are when they cards were opened, best of my knowledge. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX City, State Zip Dob : XX/XX/XXXX SS # XX/XX/XXXX XXXX XXXX  Acct # XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX Account Number : XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 
I need the transactions reported on XX/XX/XXXX Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 
Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-06-02 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: FL

Complaint narrative:
My information was compromised and my identity was stolen since then I have too many reviews in my report which I do not recognize since they are fraudulent. And trying to solve this problem with the companies and they don't give me an answer even in writing. 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors' Protection Service, Inc.
State: IL

Complaint narrative:
On my credit report the company XXXX XXXX have XXXX different accounts with XXXX different amounts. I should only be responsible for the {$1400.00} as this debt was due to an injury at work and was settled in court. I have no clue why they have XXXX on my account and why I would owe them XXXX plus the XXXX. I have no information on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: Army and Air Force Exchange Service
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-06-02 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: FL

Complaint narrative:
My information was compromised and my identity was stolen since then I have too many reviews in my report which I do not recognize since they are fraudulent. And trying to solve this problem with the companies and they don't give me an answer even in writing. 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 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

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 2024-06-02 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief