vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 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:
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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grain Technology, Inc.
State: GA

Complaint narrative:
On XXXX XXXX XXXX, I sent in a Lawful Notice of Dispute, I gave the company a period of ten ( 10 ) days from the date of your receipt of my notice and if not then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. It's been over a month and they still have yet to provide this information or to delete this information from my credit report. They are now in default. They are also violating Fair Credit Reporting Act ( F.C.R.A. ), Violation of the F.D.C.P.A., Defamation of character by reporting this debt on my credit report while also violating 15 U.S. Code 1681b since they never got my permission to report this in writing, and also, the use of my copyrighted property. On my XXXX report it shows that you charged off the account. Which means the alleged debt is settled and you filed a XXXX. I need my copy for tax purposes since that is considered income. If not, I will file an IRS XXXX form for tax fraud you are committing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had applied for Solar Panels with Dividend Solar Finance which was approved on XX/XX/XXXX. However, there is a second hard inquiry from Dividend Solar Finance on XX/XX/XXXX which results in an increase of the hard inquiries on my account. 

Same for XXXX there was one inquiry on XX/XX/XXXX and another one on XX/XX/XXXX. I only authorized 1 inquiry same for XXXX. Inquiry date XX/XX/XXXX and another one on XX/XX/XXXX all the above are duplicated and have a negative impact on my inquiry count.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: Chime Financial Inc
State: PA

Complaint narrative:
I have several unauthorized charges on my account and filed a dispute. Chime bank denied it yet fail to give me evidence as to how and why they arrive at the denial decision. I thought my money was safe banking with chime but apparently not. 
I did not make the disputed transactions and yet I am force to accept it and lose the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: CT

Complaint narrative:
I reported that I had wrong information on my consumer report and the bank has agreed to remove it from my report but I havent heard anything from the agencies yet updating my report.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am formally filing a complaint against the a few credit reporting agencies ( XXXX, XXXX, XXXX and Equifax ) as I have submitted many notices to them requesting vital information in which they can only furnish. To date, I have not received a response or update to my requests ; therefore, I am demanding that the inaccuracies are updated on my Con

sumer Report. I recently reviewed a copy of my Consumer Report and noticed that there are a few accounts that have not been reporting accurately. These errors are causing inquiry to myself and family as we cant obtain the necessary goods and services for my household. 

According to the information currently reporting on my consumer reports, there are several accounts that have been noted as Charge Offs. I am aware that all businesses lawfully acting in commerce are to utilize IRS Form 1099C Cancellation of Debt for any remaining debt obligations not recovered. This IRS form is intended to be reported as income and not debt. 

This inaccurate information being furnished on my consumer report is clearly going against the rules of construction in the area of exclusions of reports containing information solely as to the transactions or experiences between the consumer and the person making the report. It also is inaccurate according to IRS Publication 4681, as cancelled debts are defined as Income and not Debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Per the FCRA, XXXX XXXX XXXX XXXX, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802 to report my information to a third-party agency effective immediately and indefinitely. Per 12 CFR 1016.7, I exercise the right to opt out at any time. 
The Privacy Act of 1974 protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their record by Federal Agencies. 
Please update my account by REMOVING. The account has been charged off and that is now considered a certificate of indebtedness and can not be reported to my credit report. 
I am requesting compensation of {$1000.00} per violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602a states permissible purposes of consumer reports, you can not report transaction history. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information is not shared per 15 USC 6801.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
I am requesting immediate removal from all 3 of my credit reports. 
Please respond within 30 days or I will be filing a complaint with the Consumer Financial Protection Bureau. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: ID

Complaint narrative:
I have the US Bank XXXX XXXX XXXX. It allows you to select two 5 % categories and one 2 % category. For my 5 % category, I selected " Furniture Store '' and within that category, you can view " Examples. '' I shopped at a store clearly shown as an example with US Bank. I spent {$2800.00} at this store and US Bank awarded me 1 %. I have called their customer support multiple times and was promised a call back but I have not received anything. How many other people are they doing this to and how many times have I shopped at places they say will earn you rewards but they don't pay out. It's very misleading and they are committing 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 monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Block, Inc.
State: WA

Complaint narrative:
CashApp XXXX says they support filing amendments ( form XXXX, https : XXXX.cash.app/sXXXX XXXX  However, they either do not support this, have it obfuscated behind a particular " window of time '' that you can file an amendment, or some other thing such that they are essentially blocking access to my taxes, which seems to me like it should be highly illegal. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.

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 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: U.S. BANCORP
State: IL

Complaint narrative:
I received unsolicited checks in the mail from US Bank, in spite of the fact that I specifically enrolled in paperless documents and statements. 
THIS IS AN OPEN INVITATION TO IDENTITY THEFT AND/OR CHECK FRAUD! 

I tried to stop these promotional mailings using the US Bank website and their phone app, and there is no way to do so. I am unable to get a response from their support, since they do not provide any way to contact them except by phone or in person and I do not have that much time to waste. 

IF THEY REFUSE TO STOP THESE DANGEROUS MAILINGS I WANT TO CLOSE MY ACCOUNT, BUT THEY DO NOT PROVIDE A WAY TO DO THAT EITHER.

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 2024-01-04 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: LA

Complaint narrative:
I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately.

I attached on this complaint the XXXX  copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.

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 2024-01-04 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: LA

Complaint narrative:
I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. 

I attached on this complaint the XXXX  copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.

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 2024-01-04 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Amsher Collection Services, Inc.
State: MS

Complaint narrative:
Today I received a text from AmSher saying that I owe XXXX XXXX I have not had a XXXX XXXX  account in over XXXX  years and I do not owe them a XXXX  never got XXXX  bill or letter from this company in over XXXX  years this is ridiculous collection practices past the statue of limitation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act the following has violated my rights. All three credit bureaus have a XXXX year freeze on my credit report impeding any new attempts to establish new credit files. The freeze placement was put in place by myself for protection. Following inquires were not filed under me and caused for fraudulent activities. Formal complaints have been made and the following bureaus must remove these fraudulent attempted inquires. 

XXXX XXXXXXXX -XXXX This is frustrating and impedes the process to financially prosper. 

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 and other adverse items 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. 

Attached is a copy of my credit report information associated with the following accounts that are marked to noticeably validate my findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act the following has violated my rights. All three credit bureaus have a XXXX  year freeze on my credit report impeding any new attempts to establish new credit files. The freeze placement was put in place by myself for protection. Following inquires were not filed under me and caused for fraudulent activities. Formal complaints have been made and the following bureaus must remove these fraudulent attempted inquires. 

-XXXX XXXX XXXX This is frustrating and impedes the process to financially prosper. 

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 and other adverse items 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. 

Attached is a copy of my credit report information associated with the following accounts that are marked to noticeably validate my findings.

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 2024-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states that I have right to privacy ( 15 USC 1681 section 6 0 4 a section 2, it also states a consumer reporting agency can not furnish an account with out my written instructions under 15 USCS 1666b a creditor may not treat a payment on a vehicle account under an open end consumer vehicle plan for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX Charged by Capital One ( Credit Card Company ) for purchase at WalmarXXXX  **Incorrect item was received by WalmartXXXX** XX/XX/XXXX Received Purchase Adjustment from Capital One while dispute investigation is in process XX/XX/XXXX Received Letter from Capital One stating that WalmartXXXX  had provided evidence that product had been delivered ( never in dispute ). Requested I send information by XX/XX/XXXX to continue dispute. At this point in time, I decided to work with the merchant ( WalmartXXXX ) instead of continuing with the dispute as it seemed simpler. I initiated a return for INCORRECT ITEM on XX/XX/2023. I was provided a XXXX code for XXXX. I called WalmartXXXX to confirm that the account was noted as having the wrong item so there would be no issues with the return process. Per XXXX tracking, item was received by WalmartXXXX returns on XX/XX/2023. On XX/XX/XXXX, XXXX chat confirmed item had been received and refund was being processed. 

XX/XX/XXXX -- WalmarXXXX  states that return is FRAUDULENT as the item returned did not match the item in the order .... 

XXXX XXXX I contacted Capital One and explained the situtation. I was told to upload various documents such as proof of incorrect item, proof of return, proof of attempts to resolve, and a personal statement regarding everything that happened. 

XXXX XXXX Documents provided to Capital One as requested. 

XXXX XXXX Capital One states they received the requested documents but the documents did not have the requested information to validate dispute. 

XXXX XXXX I called Capital One and was told by the agent to re-submit the documents with more clarity. Secure link was provided. 

XXXX XXXX Requested documents were uploaded. 

XXXX XXXX Capital One states that the time frame for dispute has expired. 

I called Capital One and was told that I needed to have submitted all documentation prior to XXXX for the dispute to be considered. This information was NEVER disclosed to me. I believed that when I spoke to the agent on XX/XX/XXXX, that I was continuing or re-opening the dispute as I had not received the promised refund. I was never told that the information was invalid. When I called on XX/XX/XXXX, I was never told that the information was invalid because of the date. Capital One will not let me open a new dispute either and the merchant refuses to resolve the situation with me.

Company response to consumer: Closed with explanation