vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a 7-year-old charged-off XXXX  XXXX credit card that continues to appear on my credit report. This account, with partial number XXXX, was opened on XX/XX/XXXX. Despite the Fair Credit Reporting Act 's ( FCRA ) seven-year limit for reporting negative information, this charged-off account remains on my credit report, causing significant harm to my credit score and overall financial opportunities. 

Legal Grounds for Complaint Fair Credit Reporting Act ( 15 USC 1681 ) The FCRA stipulates that negative information like charge-offs should be removed after seven years from the date of the original delinquency. Since this charge-off is over seven years old, it should no longer be reported. 
Fair Credit Billing Act ( 15 USC 1666b ) The Fair Credit Billing Act requires creditors to promptly correct billing errors and discrepancies. The continued reporting of this charge-off could indicate improper handling of account information. 
Privacy Act of 1974 This act ensures consumer privacy and control over personal information. The continued presence of a charged-off account beyond its permissible reporting period raises privacy concerns. 
Fair Debt Collection Practices Act ( 15 USC 1692 ) The FDCPA prohibits unfair or deceptive practices in debt collection. The ongoing report of a charged-off debt may suggest improper debt collection practices. 
IRS Regulations on Discharged Debt According to IRS rules, a discharged or forgiven debt should not be reported on a credit report. Additionally, the absence of a 1099-C form, which confirms a discharged debt for tax purposes, raises questions about the accuracy of this charge-off. 
Requested Actions I request the following from the CFPB : Immediate Removal of the Charge-Off Given that the charge-off is over seven years old, it should be removed from my credit report. 
Investigation into Compliance with IRS Regulations Examine whether XXXX  XXXX issued a 1099-C, as required by IRS regulations XXXX for this charged-off debt. 
Review of Account Handling Investigate whether XXXX  XXXX violated any provisions of the Fair Credit Reporting Act, Fair Credit Billing Act, or Fair Debt Collection Practices Act. 
I request a prompt response and appropriate action to correct this situation. If further information or documentation is required, I am prepared to provide it upon request. Thank you for your attention to this matter, and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened my checking account with Citibank XX/XX/year> and mobile deposited a federal tax return check the same day ( XX/XX/year> ). On XX/XX/year> I received a notification that my check deposit was delayed and that the funds would be available on XX/XX/year>. On XX/XX/year> my account was blocked without warning and I could not access my online account. I called Customer Service on XX/XX/year> and was told that I needed to contact the XXXX Department for possible fraud issues with my check. I was able to get ahold of the XXXX Department on XX/XX/year> and was told that my account was flagged for possible fraud due to the federal tax return check I deposited. I was told that my account was being reviewed and that I would know on XX/XX/year> if my account would be unblocked and if I would have access to my funds. I called today, XX/XX/year>, and was told without reason that my account was being closed and I would receive a check in XXXX weeks as a refund for the check that I had deposited. I need the check sooner than that but they are saying that it takes 60 days for the account to be closed out and that I have to wait until the account is closed. They are essentially holding my money hostage and I am not okay with that, there is no reason that I should have to wait 60 days to be sent my money.

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 2024-05-08 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: CA

Complaint narrative:
I have disputed with all XXXX major credit bureaus erroneous information they are reporting on a charge-off account from XXXX. I will upload a form XXXX that was provided to me by XXXX as this debt has been Cancelled and forgiven. However all XXXX credit bureaus still continue to report inaccurate balances, past due balances and payments for the past XXXX years. I would like this account DELETED from my report, by all XXXX credit reporting agencies, as it is completely 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 2024-05-08 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: CA

Complaint narrative:
I have disputed with all XXXX major credit bureaus erroneous information they are reporting on a charge-off account from XXXX. I will upload a form XXXX that was provided to me by XXXX as this debt has been Cancelled and forgiven. However all XXXX credit bureaus still continue to report inaccurate balances, past due balances and payments for the past XXXX years. I would like this account DELETED from my report, by all XXXX credit reporting agencies, as it is completely 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 explanation
Consumer complaint received 2024-05-08 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:
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 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
On XX/XX/2024 filed a dispute for duplicate charges and the bank on XX/XX/2024 closed my disputes without an explanation letter or even a summary of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-08 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: NY

Complaint narrative:
I looked upon my credit report and discovered these accounts that need to be deleted.

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 2024-05-08 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 looked upon my credit report and discovered these accounts that need to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-05-08 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: GA

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-05-08 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and I've attached a copy of my report to this complaint on the following dates ( XX/XX/2022 and XX/XX/2022 ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Central Portfolio Control Inc.
State: CO

Complaint narrative:
Back in the beginning of XXXX, I applied for a lease. It was to rent out a room and live with XXXX other roommates. At the time, that was the best living situation for myself. Not even a full month after applying and getting approvedXXXX XXXX XXXX XXXX I was already having problems with my XXXX, such as XXXX XXXX XXXX So i became XXXX XXXX. I let the apartment complex know, about XXXX months in advance, that I no longer could move, in the condition i was in. it also felt unfair to the roommates that a XXXX would be brought up in a space with no room. They told me I had to find someone to sublease my apartment and they would also help. I had multiple people apply to said apartment to take over my lease, which in return i didn't hear back from the apartment complex again. Not until later on in the year when i got a message saying it was sent to collections. I had went and disputed it and it was approved and taken off my credit. It then went back onto my credit about XXXX years later and it was disputed and taken off again. It's now back on for the third time and I'm getting frustrated. I had multiple people apply for that room and then never heard back from them again, making it out to be that the room had been occupied. When a room is subleased, it's not my responsibility anymore and I'm not responsible for the payments. If I didn't have complications with my XXXX, I would've been able to complete the lease. However, I was not in any state to be able to do so. I wasn't even able to make it to work due to these complications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: NY

Complaint narrative:
I Recently Reviewed A copy of my credit report and noticed i had fradulent accounts on my report please remove these acounts from my report they are hurting 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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, 2023 paid and closed on report. I paid more than the balance stated. I paid the amount of {$300.00} to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I told XXXX XXXX to send a dispute or letter to resolve and have this removed off of my report with all credit bureaus once I pay the amount to resolve. When I saw that nothing was resolved I disputed it off of my credit report. However, it still is not fixed.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, 2023 paid and closed on report. I paid more than the balance stated. I paid the amount of {$300.00} to XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ). I told XXXX XXXX to send a dispute or letter to resolve and have this removed off of my report with all credit bureaus once I pay the amount to resolve. When I saw that nothing was resolved I disputed it off of my credit report. However, it still is not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: MI

Complaint narrative:
REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES. 
TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
Hello, I spoke to the original debt collector about removing this inaccurate information they sent to Aldous & Associates. Aldous & Associates have not responded nor do they answer the phone pertaining to debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: AR

Complaint narrative:
I am reaching out about a payment on my card that is coming from XXXX. The last email I have from that company is from XXXX of XXXX regarding the deferral of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been charged {$20.00} as far back as XX/XX/XXXX and it has hit at the same time as many other bills on auto draft so I had missed this until last month and when I contacted who I thought it was connected with to cancel, I did so. Only to find out this month when it happened again that it was from this source and not the one I thought it was from. When I log on to XXXX  account I have no form of payment saved to my wallet so I am unsure how a monthly {$20.00} payment is being made without a payment option to my account. The last registration I have with my account of XXXX is from XX/XX/XXXX for the deferral but the price is {$0.00}. My account even states that I have a standard account which is free when I go to my profile. The odd thing also is that their XXXX XXXX XXXX subscription is for XXXX which is less than the {$20.00} a month I have been charged for 2 years.

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 2024-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have requested the removal of these inaccurate accounts. According to the law, they must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MD

Complaint narrative:
I received my state taxes. But when my federal taxes tried to deposit chime said that my identity was not verified so they denied my deposit and sent it back to IRS. Chime has since delayed my federal tax returns totaling in XXXX between the dates of XX/XX/2024 to XX/XX/2024. I have not received my funds and I'm still waiting. I'm soon to close out my account because I think they are scamming me. This is my first time depositing it into Chime. I want to know where my money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: GA

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 explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2024 I went to Chase Bank to open my XXXX  bank account and met with banker, XXXX XXXX at Chase location : XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX XXXX asked for XXXX forms of ID 's which I was able to provide my Social Security Card and my Identification Card. 

However, when XXXX input my SSN into the system another name came up that had a bank account already with my number. I was told I was unable to open a bank account because of this. I asked for information on this person, how long the account had been opened and if we could close the account, since I had proof that the SSN belonged to me but I was unsuccessful. I was told to make a report with the police, identity theft and with Consumer Finance.

These are the steps that I'm currently taking.

I'm shocked that someone could open a bank account with my SSN when they need XXXX forms of ID. I'm even more shocked that I had proof of my identity and I couldn't close this persons account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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