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 status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
What happened? 

I received a Copy B of a 1099-C form for my student loan debt, which indicates that the debt was canceled. Despite this, the debt is still being reported on my credit report as unpaid. I have attempted to resolve this issue with the creditor, but they have not updated my credit report to reflect the accurate status. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 

Relevant USC Codes : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : A furnisher of information must provide accurate information.

15 U.S.C. 1681s-2 ( a ) ( 2 ) : Duty to correct and update information.

15 U.S.C. 1681i : Requirements on consumer reporting agencies for conducting a reinvestigation.

15 U.S.C. 1692e : False or misleading representations.

12 CFR Part 1022 ( Regulation V ) : Implements the FCRA.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Theres an inquiry on my name that has nothing to do with me, I didnt request for any credit card ever by them! This is fraud!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There were several hundred unauthorized transactions that were made on my checking account from the time I opened it up till the time it was closed from many different merchants I wasn't able to fully get my money back for all them because they closed my account before I can get king figured out basically there was so many transactions form alot of different merchants that it was so. Confusing for me to try and figure out what was going on so I had to sit and look at every transaction very carefully I only got reimbursed for some of the transactions but not all them I want to please have someone help me file a claim for all the unauthorized transactions made on my checking account ending in XXXX from my bank of America checking account please I don't know how I am supposed to go about fixing this it's a big mess but I know one thing is for sure alot of $ money was stolen from my account my checking account all from unauthorized transactions also the phone number I had on file with my bank of America account the phone number were I was supposed to be getting some sort of txt message or alert for every transaction turned out was compromised due to date Leaked by a few different people like my cell phone provider at the time and a few other places I had received the email were it said my phone number had been compromised wich would explain why I wasn't never getting any type of alerts sent to me I was completely unaware of this till it was too late and now I don't now what to do to even get back any of my stolen $ money if there's any thing you can do to help.me.out I'd very much appreciate it I'm new to all this but I really need help thank you my phone number is XXXX you can contact me on this # thank u very much God bye for now ill be waiting to hear back from you guys thank u

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 2024-06-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Kikoff Inc.
State: FL

Complaint narrative:
I got covld last year and was out work fa 8 weeks also fighting not trying too be homeless and still trying too build credit I ask them too remove da late payments reporting they said no iam still doin business with them now

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: EQUIFAX, 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 three major reporting agencies- XXXX, XXXX, and Equifax. The Fair Credit Reporting Act explicitly states that information can not be reported without my consent. It is the policy of XXXX 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 Target TD. XXXX reports the account as being opened on XX/XX/year>, while XXXX and Equifax 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. 

Moreover, XXXX and XXXX report a credit limit of {$300.00} for this account, whereas Equifax 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 noncompliance with the Fair Credit Reporting Act and emphasize the importance of accurate reporting by the credit reporting agencies.

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. 

It is noteworthy that while XXXX and Equifax report this account with a high credit of {$330.00}, XXXX inaccurately reports the credit limit as {$0.00}. This disparity in reporting further emphasizes the urgent need for correction.

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: Experian Information Solutions 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 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 XXXX 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 Target TD. 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 both inaccurate and detrimental to my credit profile. I request the immediate removal of this item from my credit report. 

Moreover, XXXX and Experian 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 noncompliance with the Fair Credit Reporting Act and emphasize the importance of accurate reporting by the credit reporting agencies.

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. 

It is noteworthy that while XXXX and XXXX report this account with a high credit of {$330.00}, Experian inaccurately reports the credit limit as {$0.00}. 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 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: EQUIFAX, INC.
State: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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.

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.

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: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
They refused to inquire about the mistakenly reported late payments, my payments are current and up to date. Please remove reported late payments as they are adversely affecting my credit score because of incorrect reporting.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: 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 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 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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
What happened? 

I received a Copy B of a XXXX form for my student loan debt, which indicates that the debt was canceled. Despite this, the debt is still being reported on my credit report as unpaid. I have attempted to resolve this issue with the creditor, but they have not updated my credit report to reflect the accurate status. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 

Relevant USC Codes : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : A furnisher of information must provide accurate information.

15 U.S.C. 1681s-2 ( a ) ( 2 ) : Duty to correct and update information.

15 U.S.C. 1681i : Requirements on consumer reporting agencies for conducting a reinvestigation.

15 U.S.C. 1692e : False or misleading representations.

12 CFR Part 1022 ( Regulation V ) : Implements the FCRA.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
What happened? 

I received a Copy B of a XXXX form for my XXXX XXXX debt, which indicates that the debt was canceled. Despite this, the debt is still being reported on my credit report as unpaid. I have attempted to resolve this issue with the creditor, but they have not updated my credit report to reflect the accurate status. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 

Relevant USC Codes : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : A furnisher of information must provide accurate information.

15 U.S.C. 1681s-2 ( a ) ( 2 ) : Duty to correct and update information.

15 U.S.C. 1681i : Requirements on consumer reporting agencies for conducting a reinvestigation.

15 U.S.C. 1692e : False or misleading representations.

12 CFR Part 1022 ( Regulation V ) : Implements the FCRA.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent in my letters XX/XX/XXXX of this year and my report is still the same. I called Experian to fix the problem and they said they would do it and nothing happened.

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 — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Theres an inquiry on my name that has nothing to do with me, I didnt request for any credit card ever by them! This is fraud!

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: 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 explicitly request an immediate and comprehensive investigation into the XXXX XXXX XXXX account. No account number has been 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 explicitly request an immediate and comprehensive investigation into the XXXX XXXX XXXX account. No account number has been given.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a {$1000.00} cash deposit at Chase Bank, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/year> at around XXXX, at an ATM. Terminal ID XXXX. Bank account ending in XXXX. 

It did not credit my bank account the funds, or either shows a deposit made. 

I then proceeded to make a {$20.00} deposit again at the same ATM, Terminal XXXX XXXXXXXX and filmed everything from start to finish. Again, no record of the deposit or credit of the funds to my account. This was between XXXX and XXXX. 

I printed balance inquiries after each deposit, and also have sent a secure message to Chase about this incident. I started a business after XXXX XXXX as a sole proprietor, and these deposits were from the business and I need the funds to pay daily expenses from vendors. 

I am contacting CFPB to get this resolved as soon as possible, as this just happened today XX/XX/year>, and do not want to rely on Chase bank alone to resolve this. 

I need to be credited {$1000.00}, and {$20.00}, for a total of {$1000.00}.

Company response to consumer: Closed with explanation