vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I am writing to dispute an account on my credit report that pertains to XXXXXXXX XXXX. The account in question reflects a debt cancellation, for which I was supposed to receive a 1099-C form. However, despite multiple requests, XXXX XXXX has failed to provide me with the necessary documentation. 

Account Details : XXXX Creditor Name : XXXXXXXX XXXX Date of Discharge : XX/XX/XXXX I would like to emphasize that according to IRS regulations, when a debt of {$600.00} or more is cancelled or forgiven, the creditor is required to issue a 1099-C form to the debtor. This form is essential for tax reporting purposes. 

Despite my diligent efforts to obtain the 1099-C form from XXXX XXXX including [ briefly describe any attempts made to obtain the form, such as phone calls, emails, etc. ], they have failed to provide me with the necessary documentation. 

As a result, I kindly request that you investigate this matter and take appropriate action to either remove the disputed account from my credit report or update it to reflect the accurate status, considering the lack of documentation provided by XXXX XXXX 

Please find enclosed copies of [ list any supporting documents you are providing, such as copies of correspondence with the lender or proof of your attempts to obtain the 1099-C form.

I appreciate your prompt attention to this matter and request that you inform me of the results of your investigation as soon as possible. 

Attach you will see the proof when I request the document through CFPB the last year On XX/XX/XXXX Thank you for your assistance in resolving this dispute. 

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 2024-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Today, XX/XX/year> i was informed by Chase that my relationship has ended and that all my accounts are closed and all my cards were closed as well. I will received a check in 10 business days after final closure is processed by the system. 

I went to branch and could not be assisted. I was told that the bank reserve the right to close my accounts at any time for any reason and not tell me why. I asked for a speedy check delivery and was told that it was not an option. 

I transferred money from one checking to another to pay my rent and car insurance and received confirmation and it was rejected by the bank, I also paid tag registration and phone bill after this and it processed. I NEED to pay my rent or I will be evicted. 

THIS IS MY LIFE... WHY IS THIS HAPPENING? 

I live a boring life. Im an XXXX XXXXXXXX XXXX XXXX XXXX XXXX I pay my bills and sit down. I was a formal bank employer with XXXX XXXX and XXXX XXXX XXXX and a few credit unions. I never seen someone get their accounts closed without a conversation. I bank with Chase for over 10 years i believe. they just ended with me. All my auto withdrawal and direct deposit are up in the air.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Last year I discovered that someone hacked into Experian and associated an email with my social security number. I could not log in because when I put my information it does not match what they have in the system. After many hours I got to speak with a supervisor who issued an escalation number ( XXXX ) to recover my account. A year later I am still waiting and have spent a number of days on the phone trying to find someone who can help. However, when I get an actual person to speak with ( no easy task ) they ask verification questions that I can not answer ( like the license plate of a car that was junked 10 years ago. I had to wait XXXX hours to try again. When I did and passed the test, the support person said they could not help and I would have to try XXXX hours later. Giving the person the escalation number did not help. I have not been able to view my report to see if there is incorrect information. I think there is because my husband checked his and found an address that did not belong to us ( it was an address they used as one of the verification questions-which I got wrong because I never lived there ). So, they are verifying my identity using false information, but I can not correct it, because I can not get in to challenge the information.

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 2024-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/29, I realized my wallet had been stolen. I logged into Bank of America and noticed several fraudulent charges were pending on my checking account totaling {$15000.00} from a vendor called XXXX XXXX XXXX. I immediately notified Bank of America and filed a police report. I submitted the police report to Bank of America and received new debit and credit cards in the mail. 

In the next few days, about {$10000.00} of the fraudulent attempts were pending but ultimately denied. However, there is still {$5700.00} outstanding. 

On XXXX, they concluded that the charges were authorized by me, which is impossible. I am trying to escalate and have my claim reopened, but they are unresponsive.

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 2024-04-18 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I keep getting an error while trying to log into my Equifax account to dispute some information. My account wont let me in despite changing the password. I have called and emailed this company and its as if no one works there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: MD

Complaint narrative:
I would like to dispute the following items off my credit report : Equifax : XXXX Account Number : XXXX {$1100.00} XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$470.00} XXXX  Account Number : XXXX {$0.00} XXXX  XXXX XXXX  Account Number : XXXX {$970.00} XXXX XXXX XXXX  Account Number : XXXX {$970.00} XXXX  XXXX XXXX  Account XXXX XXXX XXXX {$4200.00} XXXXXXXXXXXX  Account Number : XXXX {$0.00} XXXX Account Number : XXXX {$1400.00} XXXX Account Number : XXXX {$1100.00} XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number XXXX XXXX {$0.00} XXXX  XXXX XXXX  Account Number : XXXX {$970.00} XXXX  XXXX XXXX  Account Number : XXXX {$970.00} XXXX XXXX XXXX  Account Number : XXXX {$4200.00} XXXX Account Number XXXX XXXX {$0.00} XXXX Account Number : XXXX {$1400.00} XXXX Account Number : XXXX {$1100.00} XXXX XXXX Account Number : XXXX {$970.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon careful examination of my recent credit report, I have identified discrepancies that warrant urgent attention, particularly regarding the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The companies have acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 
I kindly request a comprehensive investigation into these accounts and expeditious communication of the findings via postal mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I anticipate receiving your response within this specified time-frame.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I paid off my XXXX XXXXXXXX credit card to a {$0.00} balance. XXXX XXXX then charged off my card, and didn't send me any documents showing the {$0.00} balance. The account was then marked closed on all three credit bureaus. However, months later I begin receiving mail statements showing an outrageous {$1800.00} bill on the same card, with charges from a card that was supposed to have {$0.00} credit for available credit, on a {$600.00} credit limit. I also had two different collection companies inquiring about the same card at the same time ; one which has since disappeared. When I contacted XXXX XXXXXXXX, they act as if they have no record of final payment, saying payment was rejected. I did in fact attempt to make several payments from two different banks until one went through ( bank statement attached ). I also paid off my other credit card with them, which had a {$1000.00} credit limit, at the same time. I also, received a letter in the mail stating that both credit card accounts had " unusual behavior '' on it. Then I noticed that an {$1800.00} balance was added to the closed account ending in XXXX on my credit bureau accounts. How is this possible, unless someone is committing fraud, and my information has been compromised. I brought this to CFPB 's attention, and it was quickly dismissed without being looked into. I also requested that each credit bureau go through filings for this account and find that the balance was {$0.00} and account was closed, before it miraculously appeared again with a false {$1800.00} balance. The last set of charges are fabricated and balance is incorrect. The last payment made was for {$300.00} because thats all I owed. I do not waste my time, arguing balances that I know I owe ; this one I already paid off. I'm not giving up. 
So, fix it!

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 2024-04-18 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: LA

Complaint narrative:
I paid off my XXXX XXXX XXXX XXXX  to a {$0.00} balanceXXXX XXXX XXXX then charged off my card, and didn't send me any documents showing the {$0.00} balance. The account was then marked closed on all three credit bureaus. However, months later I begin receiving mail statements showing an outrageous {$1800.00} bill on the same card, with charges from a card that was supposed to have {$0.00} credit for available credit, on a {$600.00} credit limit. I also had two different collection companies inquiring about the same card at the same time ; one which has since disappeared. When I contacted XXXX XXXX they act as if they have no record of final payment, saying payment was rejected. I did in fact attempt to make several payments from two different banks until one went through ( bank statement attached ). I also paid off my other credit card with them, which had a {$1000.00} credit limit, at the same time. I also, received a letter in the mail stating that both credit card accounts had " unusual behavior '' on it. Then I noticed that an {$1800.00} balance was added to the closed account ending in XXXX on my credit bureau accounts. How is this possible, unless someone is committing fraud, and my information has been compromised. I brought this to CFPB 's attention, and it was quickly dismissed without being looked into. I also requested that each credit bureau go through filings for this account and find that the balance was {$0.00} and account was closed, before it miraculously appeared again with a false {$1800.00} balance. The last set of charges are fabricated and balance is incorrect. The last payment made was for {$300.00} because thats all I owed. I do not waste my time, arguing balances that I know I owe ; this one I already paid off. I'm not giving up. 
So, fix it!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: LA

Complaint narrative:
I paid off my XXXX XXXX XXXX XXXX to a {$0.00} balance. XXXX XXXX then charged off my card, and didn't send me any documents showing the {$0.00} balance. The account was then marked closed on all three credit bureaus. However, months later I begin receiving mail statements showing an outrageous {$1800.00} bill on the same card, with charges from a card that was supposed to have {$0.00} credit for available credit, on a {$600.00} credit limit. I also had two different collection companies inquiring about the same card at the same time ; one which has since disappeared. When I contacted XXXX XXXX, they act as if they have no record of final payment, saying payment was rejected. I did in fact attempt to make several payments from two different banks until one went through ( bank statement attached ). I also paid off my other credit card with them, which had a {$1000.00} credit limit, at the same time. I also, received a letter in the mail stating that both credit card accounts had " unusual behavior '' on it. Then I noticed that an {$1800.00} balance was added to the closed account ending in XXXX on my credit bureau accounts. How is this possible, unless someone is committing fraud, and my information has been compromised. I brought this to CFPB 's attention, and it was quickly dismissed without being looked into. I also requested that each credit bureau go through filings for this account and find that the balance was {$0.00} and account was closed, before it miraculously appeared again with a false {$1800.00} balance. The last set of charges are fabricated and balance is incorrect. The last payment made was for {$300.00} because thats all I owed. I do not waste my time, arguing balances that I know I owe ; this one I already paid off. I'm not giving up. 
So, fix it!

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 2024-04-18 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: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
In accordance with the fair credit reporting act, Navy Federal Credit Union has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. -- - Except as provided in paragraph the term " consumer report ' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I kindly request that you ensure the accuracy, timeliness, and verifiability of my personal information in your records. It is crucial that your documentation adheres to the standards outlined in the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. Therefore, I urge you to promptly delete any address within your system that does not align with my specific. 
the correct of my address is XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX please updated my information on my consumer 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 explanation