vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I XXXX XXXX, upon reviewing my ChexSystems consumer report on XXXX, I noticed a Charge-Off from XXXX XXXX dated XX/XX/year>, RTN/ACCT # XXXX with an amount of {$450.00}. ChexSystems is in multiple violations with the said account. 15 U.S.Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( CHEXSYSTEMS ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CHEXSYSTEMS ) shall not furnish any information relating to a consumer ( Myself ) if the person knows or has reasonable cause to believe that the information is inaccurate. CHEXSYSTEMS, can not report on a charged-off debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! 15 US Code 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ChexSysyems is a non-affiiliated party of XXXX XXXX on which my information is shared. XXXX XXXX Never informed me of my right to exercise my non-disclosure option. Having understood that this is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. If ChexSystems can not provide my written authorization, the charge-off must be removed. Furthermore, 15 US Code 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. '' The above listed accounts are adverse items which are being reported by ChexSystems without my permission which is against the law. Both together and separately, my consumer and privacy rights are being violated. The aforementioned charge-off is to be removed from my ChexSystems consumer credit report and file IMMEDIATELY as its reporting has caused myself and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )

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 2024-03-07 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 2024-03-07 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX There are discrepancies observed in my credit report pertaining to XXXX XXXX XXXX XXXX. The reported last activities differ across XXXX, Equifax, and XXXX, with Dates of XX/XX/XXXX, for XXXX, XX/XX/XXXX, for Equifax, and XX/XX/XXXX, for XXXX. A notable incongruity is evident in the representation of my payment history. Equifax indicates 8 instances of 90-day late payments, while XXXX reports only 1, resulting in a significant inconsistency. Moreover, there is a variance in the on-time payment percentages, with XXXX reflecting XXXX XXXX and Equifax documenting XXXX XXXX. Furthermore, specific entries in XX/XX/XXXX, differ, as XXXX reports a collection charge, whereas Equifax records an on-time payment for the same period. In light of these inconsistencies, I kindly request a comprehensive investigation into the matter and the implementation of necessary actions to rectify the inaccuracies present in my credit report. 


15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S. Code 1681i ( 2 ) ( B ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 


15 U.S. Code 1681 ( b ) - Congressional findings and statement of purposeIt is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-07 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: GA

Complaint narrative:
My privacy rights are being violated in multiple ways. According to 15 U.S. Code 6802 - obligations with respect to disclosures of personal information, Navy Federal Credit Union is in clear violation of the law. According to 15 USC 1681a, utilization and payment history are experiences with the lines of credit that were extended between the consumer ( ME ) and Navy Federal Credit Union, that is making the report. The law clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The credit bureau is reporting the wrong name of my credit report and I also have an inquiry that I have no knowledge of. I called to have it removed and they asked me to submit a report. This is false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: NJ

Complaint narrative:
Ive recently checked my credit report and noticed and inaccurate account reported

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 2024-03-07 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.

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XX/XX/2023 XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00}

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 non-monetary relief
Consumer complaint received 2024-03-07 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.

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXXF XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifax 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1500.00}. Please delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Navy Federal XXXX XXXX ( XXXX ) is a Broker-dealer wholly owned subsidiary of Navy Federal Financial Group , LLC which is wholly owned subsidiary of Navy Federal Credit Union , XXXX primarily serves members of Navy Federal Credit Union is a Securities intermediary broker, that in the ordinary course of its business maintains securities accounts for others and is acting in that capacity. As the investor that finance my loan as evidence of the CUSIP report that would indicate the return on the securities when invested. Through Navy Federal Credit Union Trustee malfeasance on the minor account a lien exist on auto title where there should be none. The UCC-11 indicates no lien exist in the UCC database , according to state law no other lien is valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: IL

Complaint narrative:
Experian is showing a student loan account balance with XXXX for $ XXXX. The account was transferred to XXXX. XXXX reports a zero balance. I have submitted numerous disputes to Experian to no avail.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: Experian Information Solutions Inc.

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXXXXXX XXXX**** Balance : {$60.00} XXXX XXXXXXXX Balance : {$890.00} XXXX XXXXXXXX Balance : {$0.00}

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 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
Debt collectorCredence Resource Management refuses to remove collections from my credit report. I paid the original creditor in full and disputed the account because Credence Resource Management refused payment. 

I talked with XXXX that tried to get me to pay for my credit report which I get for free through XXXX  and XXXX XXXX 

I think it's illegal for debt collectors to attempt to collect debt or report to credit bureaus a collection account Wynn it's paid in full. 

I believe the amount needs to be removed from my account free of charge since it's paid off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Regarding a promotional bonus that was advertised when I opened a Chase Total checking account and a savings account.

Upon opening these accounts with chase, I was informed of a promotional offer that included the following bonuses : A bonus of {$300.00} for opening a Chase Total checking account and having a direct deposit post to the account within 90 days. 
A bonus of {$200.00} for opening a Chase savings account and depositing {$15000.00} or more in new money within 30 days, maintaining a balance of {$15000.00} for 90 days. 
An additional {$400.00} bonus when completing both of the above bonuses. 
I am pleased to confirm that I have met all the terms and conditions required to qualify for these bonuses. 
Specifically : I opened a Chase Total checking account and had a direct deposit post to the account within the specified 90-day period. 
I also opened a Chase savings account, deposited {$15000.00} in new funds within 30 days, and maintained the required balance for the following 90 days. 
Despite fulfilling all the requirements for the promotional bonuses, I have not yet received the additional {$400.00} bonus as promised. I contacted a XXXX who assured me that the promotion would be honored, yet the bonus has not been credited to my account. 

I would greatly appreciate your assistance in resolving this matter and ensuring that I receive the full bonus amount as advertised. If there are any additional steps I need to take or if further documentation is required, please let me know so that I can provide the necessary information promptly.

Company response to consumer: Closed with explanation