vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-26 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:
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year>, while traveling in XXXX, I attempted to use an ATM with my Chase debit card at a XXXX ATM. That ATM stated that the connection was lost and I should withdraw my card, which I did. I waited a few minutes to ensure no funds were disbursed, and none were disbursed. I contacted Chase within one hour of the occurrence because I noticed the transaction was " pending '' in my checking account for {$470.00} including banking fees. Chase asked me to try to obtain proof that no funds were disbursed, and I obtained a signed statement and a copy of the ATM spool from the XXXX XXXX  that owns the ATM which showed my Chase debit card number and next to it a statement " no service available ''. 

Despite repeated attempts to have Chase credit my account for what they debited, Chase keeps sending me AI or automated letters stating they " authorized the transaction '' so they are not refunding me the money Chase debited even though the XXXX XXXX  confirms that no service was available so no funds were disbursed. I feel like Chase is not treating me fairly and wonder if they are doing this to other Chase customers as well, which would be an easy way to increase Chase profits by charging customers for funds that were never disbursed. I hope a human being with a customer service orientation will review my case and reimburse my account for the non-disbursed funds. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-26 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: TX

Complaint narrative:
Experion, XXXX, and XXXX credit reporting agencys ' has violated my rights of privacy through a recent data breach ; allowing exposure of my information to computer hackers.

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 2024-10-26 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:
XXXX, Exquifax, and XXXX credit reporting agencys ' has violated my rights of privacy through a recent data breach ; allowing exposure of my information to computer hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: WA

Complaint narrative:
The account information regarding my credit score from XXXX is inaccurate. I received a notification from Credit Karma that my credit score was reduced by XXXX points at XXXX. All my credit data is exactly the same as XXXX and in fact, my credit balances have reduced because I am making payments each month. The FCRA makes it clear that bureaus are supposed to report accurate balance and payment data and with that the score should increase over time. XXXX has deliberately sabotaged my credit score by lowering it XXXX points WITHOUT provocation. This bureau has waited several months from my last complaint I filed against them for reporting inaccurate details about my credit, and suddenly they have diminished my credit score to retaliate against me unlawfully! I will upload pics from both XXXX and XXXX to show the exact same credit data and the scores from both bureaus who use XXXX XXXX  instead of XXXX. Credit Karma is their partner and displays information being reported by both XXXX and XXXX to the consumer via their APP. XXXX has reported that a significant vehicle loan had decrease by more that {$1100.00} and suddenly my credit score was decreased by XXXX points!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
COMENITY CAPITAL BANK is reporting information on my credit report and i never had a account with them nor did i give the permission to put anything on my credit report. please delete from all 3 bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
Hi, I have a vehicle loan through Ford Credit, account # XXXX. 

I put up my XXXX payment from the wrong bank. This bank account is not active and should have been deleted from my profile. 

Realizing the mistake when I got an NSF notice, I tried to cancel the payment and put up the correct payment details on the Ford Credit website. 

I was unable to cancel the XX/XX/XXXX payment. 

So I called several times this morning and was told repeatedly that the system will just automatically submit repeat ACH withdrawals until it pulls. 

This is problematic because now Ford 's computer system is just going to keep generating NSF fees indefinitely, and Ford is saying they can not stop it. 

I find this ridiculous and informed Ford that I am revoking authorization for that account, and that account has been deleted from my profile. Any further debit attempts from this account by Ford will constitute Fraud, as they do not have authorization to make any debits from this account. 

I was hung up on several times when I asked for a supervisor or manager so I'm escalating this to the CFPB I would note my payment is not due for another week so this should not affect anything at all

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-26 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: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Interest rate
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I noticed that my app was stating that I owed {$1900.00} however, my full mortgage payment already came out on XX/XX/XXXX for the amount of {$1900.00}, which was my monthly payment. 
Over the course of 17 months that I have had my mortgage my monthly payment has changed three times. According to the company it was because they were doing an escrow analysis. 
When we got our loan in XX/XX/XXXX, we got a 2-1 buy down ; which means for the first 12 months you get 2 % lower than your interest rate, than the second 12 months you receive 1 % lower than your interest rate. 
Then XX/XX/XXXX, apparently because we were unaware, our mortgage got sold to a partnering company. According to one of the representatives we were late {$36000.00}. According to another representative, we just straight owed the money because we were late. I spoke with two supervisors, both of them stated they would get back to me and neither did. Mind you, I told them multiple times, that I will provide bank statements, showing that we were never late and we have always been on auto draft. 
Fast-forward to XXXX XXXX I found out that we owed money. I spoke on the phone for three weeks with five different representatives and three different managers. The two managers never got back to me like they stated they would. And I spoke with the third manager on XX/XX/XXXX. He stated that if I dont pay it by XX/XX/XXXX, it will be docked on my credit report. He explained it, but did not provide documentation. 
The explanation this manager gave me was that they messed up on the interest rate for the last seven months, assuming since XXXX when they receive the loan, so I would have to make up the difference. I was very angry at this point to be honest because Ive been on and off the phone for the last three weeks and not getting any answers. Then when I do get an answer, I owe you the money regardless?! he proceeded to say that I owed the money and if I didnt pay it by XX/XX/XXXX, it will go on my credit. I proceeded to tell him that Im not paying for something that was not my fault and that was yalls screwup! 
At this point, I have to pay it so that it doesnt go on my credit report until I get answers.

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 2024-10-26 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: NJ

Complaint narrative:
See attached Documents In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX / XXXX - account number ending in XXXX and XXXX XXXX  account number ending in XXXX XXXX XXXX XXXX have violated my consumer rights. 15 U.S.C. 1681 ( a ) ( 4 ), FCRA section 602 ( a ) States I have the right to privacy. 15 U.S.C. 1681b-a ( 2 ) ( Section 604 A section 2 ) : It also states a consumer reporting agency can not furnish an 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, ( they may only report crimes not debts ) 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 the information is inaccurate. 
Please also see the Certified copy of the Department of the Treasury Division of Revenue Uniform Commercial Code Section SEARCH CERTIFICATE # XXXX SEARCH CRITERIA for XXXX XXXX, the Consumer, whereas the search results stated : " NO RECORDS FOUND ''. Please have RESPONDENT prove to Affiant and the CFPB that there is an actual debt and the fact that said alleged debt is owed by Affiant when the department of the Treasury States otherwise.

Resolution : Financial compensation in the amount of {$1000.00} USD per day since the inception and start of the negative reporting to current date and {$100000.00} for the fraud and deceptive practices that is ongoing and causing irreparable harm, stress, mental anguish and undue financial hardships for Affiant.

Please delete these accounts properlythank 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 2024-10-26 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: LA

Complaint narrative:
I am writing to formally request the immediate removal of certain inquiries from my consumer report that I believe to be inaccurate and potentially harmful to my credit profile. I have identified multiple inquiries listed below that do not comply with the Fair Credit Reporting Act ( FCRA ). 

Inaccurate Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXX - XX/XX/XXXX ( Experian ) XXXX XXXX XXXX - XX/XX/XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX Experian ) XXXX XXXX XXXX - XX/XX/XXXX ( Experian ) XXXX XXXX XXXX - XX/XX/XXXX XXXX Experian ) XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ( Experian ) XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) Under the FCRA, I have the right to dispute any inaccuracies on my consumer report. I believe that these inquiries do not reflect my actual credit activity and should not be part of my report. If these inaccuracies are not resolved, I intend to pursue legal action as permitted by the FCRA. 

Failure to Provide Notice : I was not provided with proper notice of these inquiries as required under the FCRA. I should have been informed whenever a creditor requested my credit report. 
Unauthorized Inquiries : I believe some of these inquiries were made without my consent, violating my rights under the FCRA to have control over who accesses my credit information. 
Inaccurate Reporting : The inquiries listed do not accurately represent my credit activity, leading to a misleading portrayal of my creditworthiness. This has caused potential harm to my credit score and my ability to secure financing. 
Inquiries Not Related to Credit Transactions : Some of these inquiries appear to be for purposes unrelated to credit transactions, which is a violation of the FCRA guidelines regarding permissible purposes for obtaining a consumer report. 
Failure to Investigate Disputes : If I disputed any of these inquiries previously, I did not receive a satisfactory investigation or response from the reporting agency, which is a violation of my rights under the FCRA. 
Retention of Inaccurate Information : The continued reporting of these inaccurate inquiries violates the FCRAs requirement to ensure that all information in a consumer report is accurate and up-to-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 explanation
Consumer complaint received 2024-10-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, and Georgia Fair Business Practice Act ( O.C.G.A. 10-1-390 ) a 1099-C form i

s issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and Georgia Fair Business Practice Act ( O.C.G.A. 10-1-390 ) remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, 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 2024-10-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, and Georgia Fair Business Practice Act ( O.C.G.A. 10-1-390 ) a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and Georgia Fair Business Practice Act ( O.C.G.A. 10-1-390 ) remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation