vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 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:
I've observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Consequently, I reject the allegations against me and challenge you to provide evidence that justifies reporting this incomplete negative information on my credit report. 

In accordance with 15 U.S.C 1681e, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. It also requires them to conduct reasonable investigations of consumer disputes, following Metro 2 compliance standards outlined in the CRRG.

Deviation from these standards jeopardizes the integrity of the data, as emphasized in the CRRG. Any errors in reporting can compromise the accuracy of federally regulated reports. Therefore, I am exercising my rights to challenge these inaccuracies and non-compliant items. Ignoring my request would indicate a disregard for my consumer rights.

It is unjust for you to report unconfirmed and potentially unethical information that does not meet certified reporting standards. I am disputing these claims and demanding proof of proper reporting standards. Your actions are a violation of my rights, as outlined in this document. The incomplete and non-compliant nature of the report does not meet legal standards. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may lead me to escalate these issues to the CFPB, FTC, and my Attorney General.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To Whom It May Concern, Chase Bank has informed me that they are closing my checking account and all credit cards on XX/XX/XXXX due to " unexpected activity on this account ''. The checking account has been open since XXXX and credit cards over 5 years, and has always been in good standing. There has never been a negative balance and has been used for my employment direct deposit and paying off bills. There has been higher than average deposits and payments due to increase income. There has been no warning prior to this that any type of issue or risk was of concern. If there was such a high risk, they would have been shut down immediately. I am shocked they are closing all of my Chase checking and credit card accounts on XX/XX/XXXX after being a customer in good standing since XXXX. 

I ask that the accounts not be closed on XX/XX/XXXX so I have time to re-evaluate my relationship with Chase and continue to do business with them if I deem so. 

Many thanks for your help with this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with 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.

has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
on XXXX  I pulled m y credit report from the three credit bureaus and discovered that Mr. Cooper reported my mortgage as 30+XXXX late however I am participant of the XXXX XXXX XXXX XXXX XXXX  which advise mortgage providers to not report participants as late considering that payments are submitted in bulk and take processing time. To my dismay I discovered that MR. Cooper continuously submitted inaccurate information to the credit bureaus even after have a notation on my account to not do so. Mr cooper submitted over 10 months of late payments to the bureaus. I was approved in XX/XX/XXXX to be a participant in the home owners assistance program. I want the correct information sent to the bureaus so that my credit report reflect accurate reporting regarding my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was looking through my credit report and saw hard inquiries that are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Denning me access to credit for frivolous reasons. Ive never been late or missed a payment for 2 years

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have filed a claim with Chase about an unauthorized transaction, but my fraud investigation has been closed and unjustly denied. I reached out to the Executive Office regarding this but have received no communication since. 

I attended a concert on the night of XX/XX/2023 ; the venue was dark and crowded. I placed my jacket and bag containing my credit card, drivers license, and cell phone onto a bench behind me during the 2-3 hour concert. At some point during the night, an unauthorized person got ahold of my belongings and made a purchase of an outrageous amount of {$2600.00}. At the end of the night, I was able to locate my belongings nearby when the lights turned back on so I wasnt aware that anything fraudulent had occurred. I only noticed the charge as I was checking my Chase app the following days. I filed a fraudulent report for unauthorized use as soon as possible, but have received a decision that makes me responsible for this transaction claiming that I benefited from this. I have not filed a police report just yet since I was able to retrieve my belongings at the end of the night and I already received a new credit card. I believed that the fraud report would protect me from the unauthorized transaction, but I was wrong in believing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: AR

Complaint narrative:
Account Name : World Finance Corporation Account # XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is listed as having a PAST DUE BALANCE of $ {$5300.00}. The account is also listed as CO/ Charge Off but I have never received a 1099 cancellation of debt form, due to this the account is inaccurate and has to be removed. 
This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. 
According to the Fair credit Reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion. 
I have also submitted court documentation that I as the petitioner Petitioner shall be held harmless on all of the debts set aside to Respondent in the original Judgment. This account is an ex spouses and should be permanently delete from my credit report. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: NV

Complaint narrative:
I was investigating my credit report and was riddled with panic when I saw how many inaccuracies were being reported. I am in need of a new home for myself and my kids and these unverified inaccurately reported inquiries are greatly affecting myself and my family as we are not able to make a necessary move to be closer to family. I need these inquiries 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 explanation
Consumer complaint received 2024-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: P&B Capital Group, LLC
State: OR

Complaint narrative:
On XX/XX/2024, I submitted request for validation of debt and validation of the alleged contract which the debt collector supposedly owed which stated that I validated. The debt collector has not responded to my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was looking through my credit report and saw hard inquiries that are not mine

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 2024-01-17 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: Volvo Car Financial Services U.S., LLC
State: TX

Complaint narrative:
I submitted a formal complaint to Volvo Car Financial Services regarding the inaccurate reporting of a charged-off account on my credit report. Specifically, I raised concerns about the company 's failure to provide the required Form 1099-C for the canceled debt, as governed by the Internal Revenue Code ( IRC ) Section 6050P.

In my initial communication, I clearly requested the issuance of Form 1099-C for the charged-off account. The reporting of canceled or forgiven debt, including the issuance of Form 1099-C, is governed by the Internal Revenue Code ( IRC ). Specifically, the relevant section is found in Title 26 of the United States Code. The primary provisions related to cancellation of debt income and reporting requirements are outlined in IRC Section 6050P.

Here are the key sections of the Internal Revenue Code that pertain to canceled debt reporting : IRC Section 61 ( a ) ( 12 ) : This section defines gross income to include income from the discharge of indebtedness.

IRC Section 108 : This section provides exclusions from income for canceled debt in certain situations, such as insolvency or bankruptcy.

IRC Section 6050P : This section outlines the reporting requirements for discharges of indebtedness by certain entities, including financial institutions. It requires the filing of Form 1099-C when applicable.

Despite this request and the company 's commitment to resolving the matter, Volvo Car Financial Services has not provided the necessary documentation.

The inaccuracies in reporting have the potential to impact my ability to accurately report canceled debt on my income tax return. The company 's response did not address these concerns adequately, and as of the current date, the issues remain unresolved.

I appreciate the opportunity to provide this information as part of the complaint process. I request the issuance of Form 1099-C for the charged-off account promptly, in accordance with IRC Section 6050P. If further details or clarification are needed, please feel free to reach out to me XXXX XXXX XXXX XXXX at XXXX email XXXX and mail the 1099 c copy to XXXX XXXX XXXX # XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit Corporation
State: MD

Complaint narrative:
On XX/XX/XXXX I visited the Emergency Room at XXXX XXXX XXXX in XXXX  for a broken XXXX. My insurance policy requires a {$500.00} copay. My contract with my employer requires them to cover {$400.00}, which leaves me a balance due of {$100.00}. After my employer paid their portion by check, I received a bill for the {$100.00} balance. I paid the {$100.00} balance on XX/XX/XXXX using a credit card. Two months later I received notification in the mail my claim was sent to a collection agency for the {$100.00}. I sent them a cease and desist letter with proof I paid the bill and contacted XXXX medical. I received another collection notice a few weeks later. At this point, now XX/XX/XXXX of XXXX, I reached out to XXXX medical and explained again what happened. I dealt with XXXX XXXX XXXX. I Sent her a copy of the statement as proof of payment, the same as I had sent to the collection agency. She admitted I had proof I made the payment and couldnt figure out why XXXX was sending it to collection. XXXX emailed me she received the proof and would follow up. Having never heard anything from XXXX or XXXX medical again one would assume it was taken care of on their part. Until today XX/XX/XXXX I received a phone call from the collection agency attempting to take payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: WI

Complaint narrative:
In reference to an account of XXXX XXXX : XX/XX/XXXX - I sent a letter letting Transunion know that this account is not being reported correctly, and to please update to show that it's never been paid late. I received no response. 

XX/XX/XXXX - I sent a letter to Transunion following up that this account is still showing incorrect information and that it needs to be updated to show never paid late. I received no response. 

XX/XX/XXXX - I sent a letter to Transunion letting them know that this account is still showing incorrect information, and that it needs to be updated to show never paid late. I asked for the method of verifying this information - but again, never received a response. 

XX/XX/XXXX - I sent a letter to Transunion informing them once again that this account is continuing to show incorrect information, and it needs to be updated to show never paid late. - Once again, no response. 

XX/XX/XXXX - I sent a letter to Transunion explaining the numerous letters I have sent to them over the months since XX/XX/XXXX- and explained that they continue to report inaccurate information that is damaging my credit profile. I sent them factual information that shows the data furnisher that is reporting this account is reporting different information to different credit bureaus. There is NO WAY that this can be verified as accurate. I advised that if this was not resolved, I would be filing a complaint with the CFPB. 

I have never received any response to my letters. The only way I know what is going on is by looking online at my credit report/profile to see what they are updating. They continue to report inaccurate, damaging information and continue to put a statement that it has been verified on the account.

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 2024-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/2023 I requested XXXX to transfer {$80.00} into my cash app account, I never received the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: TX

Complaint narrative:
I recently sent a complaint to you about TransUnion as well I made a complaint on XXXX  about XXXX. Both responded that they could not move forward processing my notarized affidavits due to no identification I feel that was a stall tactic and I am now asking for you to help facilitate and oversee this process. In Commercial Law an unrebutted affidavit stands as judgment. I have attached all documents and resending them to TransUnion as well I will make a complaint on XXXX and XXXX. I have prepared my legal team the XXXX XXXX XXXX, XXXX if the agencies continue their willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: TX

Complaint narrative:
I recently sent a complaint to you about XXXX as well I made a complaint on XXXX  about XXXX. Both responded that they could not move forward processing my notarized affidavits due to no identification I feel that was a stall tactic and I am now asking for you to help facilitate and oversee this process. In Commercial Law an unrebutted affidavit stands as judgment. I have attached all documents and resending them to XXXX as well I will make a complaint on XXXX and Equifax. I have prepared my legal team the XXXX XXXX XXXX, XXXX if the agencies continue their willful non-compliance.

Company response to consumer: Closed with explanation