vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 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: GA

Complaint narrative:
Dear CFPB, I am submitting this formal complaint against XXXX, Experian, and XXXX to request the removal and blocking of fraudulent information on my credit reports due to identity theft. I have recently discovered unauthorized accounts and debts on my credit report that were opened in my name without my knowledge or consent. These fraudulent accounts are a result of identity theft, and I have already taken steps to resolve this issue. 
Details of the Fraudulent Information : Are attached in dispute letter I have taken the following actions regarding this fraudulent activity : 1. Submitted a complaint to the Federal Trade Commission ( FTC ) and completed an Identity Theft Affidavit ( FTC Affidavit Number : XXXX, XXXX, XXXX, XXXX XXXX. Contacted each credit reporting agency ( XXXX, Experian, and XXXX ) to notify them of the identity theft and provided the necessary documentation. 
Despite my efforts, the fraudulent information remains on my credit reports, negatively impacting my credit standing and subjecting me to potential liability for debts that I did not incur.

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 2024-09-21 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: NY

Complaint narrative:
While I was reviewing my most recent credit report, I noticed several inaccuracies on one of the reported accounts. This account is hurting my ability to rent a decent apartment for me and my family. Its my understanding that Equifax will investigate this account on my behalf to ensure that it is accurate. Here is the account I am asking you to verify for accuracy XXXX XXXX XXXX XXXX XXXX I appreciate your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received a letter from the IRS ( XXXX ) stating that Bank of America had let them know that I received income interest that I didn't report in 2022. It references account number XXXX which is not my account number, it doesn't sound like an account number at all. I don't have any interest income and did not receive the 1099-int form that the IRS is referencing.

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 2024-09-21 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: NY

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: OK

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-21 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: MD

Complaint narrative:
As Per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from credit report within four business days, pursuant to section 605c of the Fair CreditReporting Act. I am victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX Balance $ XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX Md

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 2024-09-21 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: CA

Complaint narrative:
I recently got a copy of my report and noticed fraudulent accounts on my record.Please remove these accounts as they are hurting my capability of obtaining credit.Thank you

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 2024-09-21 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: CA

Complaint narrative:
I recently got a copy of my report and noticed fraudulent accounts on my record.Please remove these accounts as they are hurting my capability of obtaining credit.Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Granite Edvance Corporation
State: MN

Complaint narrative:
On XX/XX/year> I applied for a private loan through XXXX  XXXX XXXX XXXX. I was sent an email that directed me to an adverse action letter you will find below. In the adverse action letter I was given a list of factors ( not deciding factors ) indicating why I was denied extension of my own credit. Not only were these factors illegitimate reason to deny me an extension of My own credit, they directly violate article 15 USC 1611 criminal liability for willful and knowing violation because they gave me false and misleading information. XXXX  XXXX XXXX XXXX did a hard pull resulting in a negative inquiry on my credit report therefore a consumer credit transaction had been made. I was denied the extension of my own credit and given a list of reasons that were not deciding factors yet I received no benefit. And compliance with 15 USC 1679 this was a consumer credit transaction therefore you can not deny me an extension of My own Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: CA

Complaint narrative:
Re : Dispute of Fraudulent Activity and Demand for Correction on XXXX  XXXX XXXX credit card I am writing to formally dispute the fraudulent activity on my credit report from XXXX  XXXX XXXX stemming from the unauthorized use of my stolen credit card. Despite my prompt reporting of the theft to the issuing bank and local authorities ( Police Report Number : [ XXXX ], Date : [ XX/XX/2023 ] transunion has failed to correct the erroneous information. Fraudulent Transactions : Demand for Correction : 1. Immediately remove the fraudulent transactions from my credit report. 
2. Correct my credit score to reflect the removal of these transactions. 
3. Provide a corrected credit report to all entities that have accessed my report in the past 12 months. 
Failure to Comply : If transunion fails to comply with my demands within 14 days, I will : Report to the Federal Trade Commission ( FTC ). 
Pursue civil litigation under 15 U.S.C. 1681 ( Fair Credit Reporting Act ). 
Seek damages for negligence, defamation, and emotional distress. 
You are hereby notified that I will seek relief under : 15 U.S.C. 1681 ( Fair Credit Reporting Act ) - 18 U.S.C. 1343 ( Fraud by Wire, Radio, or Television ) - State-specific consumer protection statutes Failure to comply will result in : - Actual damages - Punitive damages - Attorney 's fees and costs - Injunctive relief 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 2024-09-21 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one does not respond and opened bbb investigation. They claimed that refund for fraud was give. And then sent a closed resolution to bbb when in fact they have sent nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
While I was reviewing my most recent credit report, I noticed several inaccuracies on one of the reported accounts. This account is hurting my ability to rent a decent apartment for me and my family. Its my understanding that the credit bureaus will investigate this account on my behalf to ensure that it is accurate. Here is the account I am asking you to verify for accuracy Name : XXXX XXXX XXXX Alleged Balance : XXXX Account Number XXXX  I appreciate your attention to this matter.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
While I was reviewing my most recent credit report, I noticed several inaccuracies on one of the reported accounts. This account is hurting my ability to rent a decent apartment for me and my family. Its my understanding that the credit bureaus will investigate this account on my behalf to ensure that it is accurate. Here is the account I am asking you to verify for accuracy Name : XXXX XXXX XXXX Alleged Balance : XXXX Account Number XXXX  I appreciate your attention to this matter.

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 2024-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-21 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Neiman Marcus /capital One sent a past due statement on XX/XX/year> to XXXX XXXX XXXX XXXX XXXX. 

This is not my address nor is it the address on file for my account. This is my XXXX  parents address. This has caused unnecessary stress and undue XXXX. My financial accounts are my own and should not be mailed to XXXX dress that is not my own. This a violation of my privacy. I logged on to the website to change to verify my address and it stated that I needed to call. I called and all the customer service agents cared about was receiving a payment. They did not care about the emotional distress that the company had caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am filing this complaint regarding my credit account XXXX, which has been reported as a " charge off '' by Bank of America XXXX According to my credit reports, the account was closed and charged off. 

Under federal law, if a creditor cancels or forgives a debt that exceeds {$600.00}, they are required to issue a 1099-C ( Cancellation of Debt ) form to both the consumer and the IRS, reporting the amount of debt canceled. I have not received this form, and the creditor has not properly informed me about the cancellation of the debt.

The key points of my complaint are as follows : Failure to Issue 1099-C : Under the applicable law, I am entitled to receive a 1099-C if my debt has been canceled. The creditor has reported this account as " charge off, '' but has not issued the 1099-C, which may suggest that the debt remains active or has not been reported correctly to tax authorities. 

Negative Impact on Credit Report : Despite the account being marked as charged off, the creditor continues to report the debt as active, or has not provided clear information about its status. This is adversely affecting my credit score and making it difficult to resolve the debt.

Lack of Communication from Creditor : I have
attempted several times to contact the creditor to clarify the issuance of the 1099-C and the status of the account. However, I have not received clear or timely responses, resulting in confusion and delays in resolving this matter. 

Bank of America Account XXXX Charge Off Amount : {$4800.00}

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 2024-09-21 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: NY

Complaint narrative:
While I was reviewing my most recent credit report, I noticed several inaccuracies on one of the reported accounts. This account is hurting my ability to rent a decent apartment for me and my family. Its my understanding that the credit bureaus will investigate this account on my behalf to ensure that it is accurate. Here is the account I am asking you to verify for accuracy Name : XXXX XXXX XXXX Account XXXX XXXX I appreciate your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
SageStream LLC providing erroneous false information about my credit to and providing a score that is more than XXXX  points lower than XXXX, XXXX, and XXXX.They reported odd things that adversely affected my credit score such as maintaining a cellphone number that I have had for over XXXX  years and as XXXX  XXXX  I was XXXX  in different states but still maintained same number. SageStream stated this as being adverse due to " distance between address and area code of phone, '' I have lived at my current address for over 9 years and they reported " length of residence too short. '' Other two " length of time since most recent delinquency too short and too many delinquency too short '' which are both fault. They listed my credit score as XXXX. I have never in the history of my credit ever had a score in the XXXX. Whereas other reputable credit bureau list my score XXXX points higher at XXXX and XXXX. 

XXXX, XXXX, amnd XXXX also reporting erroneous information that I disputed. I have no deliquencies on my account. Nor was I deliquent on any mortgages. I request they follow up and update my credit report accordingly with accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX BALANCED {$670.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX BALANCED {$670.00}

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 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX. I received a promotion letter from JP Morgan Chase saying that as long as I booked a flight from Chase XXXX XXXX from XXXX to XXXX, I will be earning XXXX Chase XXXX points. Addtionally, since I'm not making reservations from Chase XXXX XXXX, I could also earn XXXX points. 

Please refer to XXXX from XXXX XXXX. I booked the flight from XXXX to XXXX on XX/XX/XXXX and completed the flight on XX/XX/XXXX. This trip falls into the promotional period. 

XXXX. I discussed with Chase and Chase XXXX from XX/XX/XXXX till now. I have Chase private messaged back and forth at least XXXX XXXXimes. But I'm still not receiving the promotional offer. 
On the letter Chase mentioned I will received the Chase XXXX XXXX after XXXX weeks.

Company response to consumer: Closed with explanation