vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 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: NC

Complaint narrative:
Experian XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX From : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX XXXX ] Report # XXXX This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments are inaccurate. Please Investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 
XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX I also respectfully request to be provided proof of these alleged items specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late please update my payment history to PAANL, status ( paid as agreed never late ). And supply a corrected credit report to any creditors who have requested a copy of my credit report in the last XXXX months. 
I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within XXXX  days of the completion of your reinvestigation. I also read that under federal law, you have XXXX  days to complete your investigation. 
It Is my understanding that you must validate these items with the reporting creditor for aaccurac, please remove any information that the creditor can not verify. I know this must be completed within XXXX  days of receipt of this letter, or you must remove the incorrect information. 
Please send an updated copy of my credit report to the above address.

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 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I had a checking account with Bank of America, and since I am out of the country and the account being inactive, I received a notice regarding this in the month of XX/XX/XXXX. I contacted the bank officials several times asking assistance to close the account and transfer the money, but failed and hence contacted CFPB seeking help to solve the issue. I filed an original complaint ( # XXXX ) dated XX/XX/XXXX. One representative named XXXX XXXX XXXX XXXX Resolution Specialist, Regulatory Complaints contacted me over my phone. She suggested me to write a letter for communication stating to close my account upon my request and send me a Banker 's Cheque, to my address after verifying my identity and my concerns are being genuine. She gave me the address to communicate also. Later she sent me a packet via XXXX courier which included all these information. She also told the Banker 's Cheque validity would be XXXX days and once not cleared within XXXX days, I should get back to her so that she would issue a new one. I received an email from Bank of America XXXX days after stating that my account has been closed. But after that there were not information or correspondence. I after waiting for almost XXXX months, filed another complaint with CFPB during the month of XXXX. Complaint # XXXX  dated XX/XX/XXXX. 
As a response to this another representative named XXXX XXXX XXXX, Executive Escalations, Resolution Complaint Operations, Bank of America contacted me over my phone like XXXX XXXX XXXX  did. According to him, a Banker 's Cheque was issued for me but dispatched to a wrong address. He also emailed my in my personal email address detailing all what have happened and a new cheque would be issued with a stop payment notification issued on the previous one. The response email I received from him on XXXX  and he mentioned that the cheque would be sent to my address on the same day. Despite waiting XXXX  days, I am yet to receive any information regarding the status of the same to this moment. He also mention that he would contact XXXX XXXX XXXX  for any tracking information and later replied that there were none. 
Copies of all communications are attached herewith.

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 2024-01-20 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: TX

Complaint narrative:
I hope this letter finds you in good health. I am writing to express my dissatisfaction and concern regarding the persistent reporting of a late open account on my credit report, despite my numerous attempts to correct this error through your dispute resolution process. 

I have submitted multiple dispute requests, accompanied by supporting documentation and evidence, to rectify the reporting of the late open account on my credit report. Unfortunately, despite my best efforts, the correction has not been made, and this error continues to adversely impact my creditworthiness. 

I kindly request the following actions be taken promptly : Conduct an immediate and thorough investigation into the reporting of the late open account on my credit report. 
Provide a detailed explanation for the repeated failures to correct the reporting despite multiple dispute submissions. 
Expedite the necessary corrective measures to update my credit report accurately and remove the late open account. 
Furnish written confirmation of the resolution, including a clear timeline for completion. 
In consideration of the persistent challenges faced in resolving this matter, I expect a resolution withinthe exact timeframe from the date of this letter. The ongoing reporting of this late open account has caused undue stress and has negatively impacted my financial standing. 

Failure to address this complaint promptly may compel me to escalate the matter to regulatory authorities, and I may seek legal counsel to protect my rights as a consumer. 

I trust in your commitment to fair and accurate credit reporting and anticipate a swift and satisfactory resolution to this issue. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$11000.00} ; XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance : {$23000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 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 2024-01-20 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian keeps reporting information on my credit report report with out asking me I file an dispute and told them according to 15 USC 1681a ( 1 ) ( 2 ) says it don't suppose to be there they doing what they want and I also told they will be fine. Because of them now I'm homeless

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 2024-01-20 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: TX

Complaint narrative:
I attempted over an 18 month to have items removed due to data breach. 

Dear Consumer Financial Protection Bureau ( CFPB ), My information was sold and bought illegally because I was a victim of the 'Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from+ my credit reports. 

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  I have spent so much in resources, time and energy trying to get them this to rectify erroneous issues on credit report. Please assist me getting this resolved as it is impacting my financial well being. 

Thanks for your time and consideration in this matter. 

Many thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, These Accounts are STOPING me from ability of getting a new house for my family.

Account name : XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. States I have to right for privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of Information, other than records of convictions of 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 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 non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CARCO Group, Inc.
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was going through my credit file & realized that theres a security freeze on my credit file. I need to unfreeze/unlock my credit immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was going through my credit file & realized that theres a security freeze on my credit file. I need to unfreeze/unlock my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: SD

Complaint narrative:
Credit Acceptance was not creditor I signed up for. My XXXX XXXX XXXX XXXX. Was signed with XXXX XXXX. I had everything set up on auto pay during the time of the loan when I realized XX/XX/XXXX, that it was through credit acceptance. My contract is not the same with what I agreed to and signed. The car dealership that I had purchased the vehicle from must have done some type of switch with creditors?? I need to have this disputed. This is not the agreement that I signed up for and I ended up having to give the car back because the payments were larger than what I anticipated from what I had agreed to when I signed the contract. This has been false and misleading to me as the 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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sterling Infosystems Inc.
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

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 2024-01-20 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear CFPB, Im making complaint to chase bank against important satiation as I need a help on this issue, Im so unhappy with chase on the way they deal with us if I want to rename this I would say unprofessional, This is kind of torture way, The story is every time I deposit a check the bank either but me on high risk or put the check on hold for XXXX days For unknown reason I fully understand its for security to verify the check sources as I fully understand its too many fraud is going around this days but you have to understand which person you dealing with.

First Im client with chase over than XXXX years since XXXX  Im not new customer I never did or enter any kind of fraud check to my account I never did any thing wrong with chase bank or any fraudulent activity. 

The question is why every time I put check to my account I found always kind of tourture either pending XXXX  days or secure message # please call the bank or we m

ay close you account # or high risk fraud flag and waiting a lot of time on holding chase phone call to resolve the situation. Chase bank dealing with us as criminals but its not a policy they broke the law against what chase says on the official website When do checks clear? This from chase bank 1-By law, banks are required to make at least the first {$220.00} of a personal check deposit available for use by the next business day Footnote1 ( Opens Overlay ). Never happened with me chase is not clear on this part.

2-Certain types of checks are designed to clear faster, often being available in full by the next business day. Never happened. 

3-Depositing a large amount more than XXXX, even if I deposit XXXX dollar same issue red flag XXXX days holding. 

Thanks for response,

Company response to consumer: Closed with explanation