vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-10 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: IN

Complaint narrative:
I submitted a dispute request to the credit reporting agencies, I asked for an investigation into an account that is reporting an inaccuracy on my consumer report. The XXXX XXXX account is being reported as a charge off, according to IRS Publication 4681 Canceled Debts, Foreclosures, Repossessions, and Abandonments : the lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. Once again according to the IRS publication 4681, even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 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 the reporting of this account inaccurate! I also asked for the following information : 1. A detailed description of the method or process used to verify the accuracy of the disputed charged-off amount on my credit report.

2. The specific documents or evidence obtained and reviewed during the verification process, including any correspondence or communication with the creditor involved.

3. The date on which the verification process was conducted and completed.

4. The name and contact information of the individual or entity responsible for conducting the verification process.

5. Any other relevant information that sheds light on how the accuracy of the disputed charged-off amount was established.

To this day I still have not received the information requested. The balance that was being reported as written off is not the same amount that is on the 1099C form, which is also another inaccuracy. Overall, this company has violated many FCRA laws including : *15 U.S. Code 1681e ( b ) Accuracy of report *15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and ( B ) Reporting information after notice and confirmation of errors

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 2023-09-10 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.
State: GA

Complaint narrative:
Experian continues to report inaccurate information. The account listed as XXXX XXXX XXXX NA has been XXXX and is now considered income per the IRS publication and can not be reported. 

This account must be deleted immediately. 

XXXX5 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It 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 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 2023-09-10 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: CA

Complaint narrative:
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 2023-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I deposited a check to my checking account that was from an accident that I had. When I deposited the check XX/XX/2023, the bank restricted my account and I could not access funds that were already in there until the check cleared. The check cleared on XX/XX/2023. But my account is still being restricted, I can not access my funds and the check funds or use my debit card. They said they needed to contact the insurance regarding the check. I gave them a phone number and they said that it wouldn't work and that they would not unrestrict my funds even thought he check has already cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: NV

Complaint narrative:
Got copy of credit report notice error Requested information about debt Filed ftc identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: GA

Complaint narrative:
To whom it may concern : According to the Fair Credit Reporting Act ( FCRA ) section 611 ( 15U.S.C. 1681i ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. I require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 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:
To whom it may concern : According to the Fair Credit Reporting Act ( FCRA ) section 611 ( 15U.S.C. 1681i ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. I require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.

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 2023-09-10 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: TX

Complaint narrative:
I am writing to dispute the inaccurate information present on my consumer report, which all three major Consumer Reporting Agencies have refused to update. Despite providing my name and current address, they persist in displaying incorrect aliases and addresses on my credit report.

The existence of this inaccurate information on my credit report constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681 and its subsections. These inaccuracies have inflicted severe financial harm upon me and have adversely affected my ability to secure loans and credit on equitable terms, as creditors are questioning my identity.

The conundrum I face is how to establish my identity when they are presenting multiple names and addresses associated with me. This situation is manifestly unjust. I have engaged in extensive correspondence with them, providing legal documents such as my driver 's license and proof of address, yet they persist in refusing to update my 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 non-monetary relief
Consumer complaint received 2023-09-10 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: TX

Complaint narrative:
I am writing to dispute the inaccurate information present on my consumer report, which all three major Consumer Reporting Agencies have refused to update. Despite providing my name and current address, they persist in displaying incorrect aliases and addresses on my credit report.

The existence of this inaccurate information on my credit report constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681 and its subsections. These inaccuracies have inflicted severe financial harm upon me and have adversely affected my ability to secure loans and credit on equitable terms, as creditors are questioning my identity.

The conundrum I face is how to establish my identity when they are presenting multiple names and addresses associated with me. This situation is manifestly unjust. I have engaged in extensive correspondence with them, providing legal documents such as my driver 's license and proof of address, yet they persist in refusing to update my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 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: Radius Global Solutions LLC
State: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definition ; rules of construction - Exclusion. - 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 consumer credit plan as late for purpose.

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 2023-09-11 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: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I sent a letter to the three credit reporting bureaus to investigate 5 accounts on my credit report that are in collections and that they verify my debt belongs to me with the original contract that I signed with the original creditor and none of them did so within 45 days. I asked that they all be removed from my report if verification with my signature wasnt provided during the timeframe and nothing was deleted. All that happened was the restarted the timeframe to the current date and began trying to collect on the debt. So now I am in a worse place since the timeframe has restarted. I never received letters verifying this debt from a single one of these collection agencies nor have I ever been given an opportunity to dispute that the debt wasnt mine. I never spoke with any one on the phone or in person. I feel as though this has all gone against fair debt collecting rules and I would like them to be deleted from my report completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I sent a letter to the three credit reporting bureaus to investigate 5 accounts on my credit report that are in collections and that they verify my debt belongs to me with the original contract that I signed with the original creditor and none of them did so within 45 days. I asked that they all be removed from my report if verification with my signature wasnt provided during the timeframe and nothing was deleted. All that happened was the restarted the timeframe to the current date and began trying to collect on the debt. So now I am in a worse place since the timeframe has restarted. I never received letters verifying this debt from a single one of these collection agencies nor have I ever been given an opportunity to dispute that the debt wasnt mine. I never spoke with any one on the phone or in person. I feel as though this has all gone against fair debt collecting rules and I would like them to be deleted from my report completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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:
After pulling my consumer report on XX/XX/2023, I filed a dispute with XXXX XXXX XXXX XXXX XXXX XXXX XXXX the XXXX major credit bureaus XXXX XXXX XXXX XXXX and TransUnion XXXX I disputed XXXX accounts that were furnished onto my consumer report by XXXX XXXX XXXX XXXX XXXX XXXX  that were reporting age was over XXXX years. Lawfully XXXX should have removed these accounts from my consumer report as they were delinquent. On XX/XX/2023 Transunion sent me their Investigation Results also XXXX dispalyed the results same as Transunion after the XXXX. The XXXX reults from the disputed accounts were XXXX out XXXX XXXX  accounts removal/deletion from my consumer report. Since then, i have had to send dispute letters to XXXX for continuingthe furnishing of false and lawfully disputed information. XXXX has made it clear that they do not respect my consumer rights.

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 2023-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
To Whom It May Concern : I am writing to file a complaint against Wells Fargo Bank , N.A . ( Wells Fargo ) regarding an unauthorized transaction on my account. 

On XX/XX/2023, I was at a casino in XXXX XXXX and withdrew {$180.00} from an ATM. However, I was also charged {$760.00} for a transaction that I did not make. I immediately contacted Wells Fargo to report the unauthorized transaction, but they refused to credit my account. They claimed that the transaction was valid because it was made with my debit card and PIN. 

I am disputing this claim. I lost my debit card after my transaction of XXXX on XX/XX/2023. I reported the lost card to Wells Fargo immediately, and they issued me a new card. It is clear that someone else must have used my card without my permission. 


Thank you for your time and attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC

Complaint narrative:
I have paid the escrow amount back with a money order and they keep retuning the money payment of XXXX and XXXX. They saying I didnt pay for the month of XXXX bill.. and I have all my receipts. They paid my Insurance company twice and ran up my mortgage payment. This is the second time this company XXXX XXXX XXXX XXXX  did this..

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 2023-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
This is a joint account that I am not aware of. I called the company to get a contract for this account. The company refused to give me any information. The company told me if I gave them {$11000.00}, they would reinstate me and delete this from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I, XXXX XXXX XXXX, am filing this complaint on behalf of myself without any third parties. CREDIT ACCEPTANCE CORPORATION is using XXXX of Law to publicize and furnish inaccurate/private information that has resulted from their own acts of Fraud and Identity Theft. CREDIT ACCEPTANCE CORPORATION has also DEFAULTED to provide requested information, stating Proof of Claim, showed complete Dishonor on XX/XX/XXXX. See attachments. On XX/XX/XXXX, my automobile was stolen by a third party company sent by CREDIT ACCEPTANCE CORPORATION. If this matter is not resolved as soon as possible, I will be seeking a default judgment through arbitration. See attachments.

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 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank canceled a credit card that was exclusively used for travel during the early XXXX years when no one was able to travel. The card had a credit line near XXXX. As a result, my XXXX XXXX went down. The reason for the cancellation was sighted lack of use. 
I wrote Citibank asking that my card be reinstated, but they refused stating that I required a new credit inquiry in order to get a new card. I requested that they use the credit history of the other card, a thank you card, to determine my payment history, or review the history of the card that was canceled. Citibank refused but sent a nice letter.

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 2023-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX  Capital One sent me a text message asking me if I made a purchase with XXXX  for {$39.00}. I told them no, I then asked who was the merchant, and they told me a subscription to a dating website and it was in California. I live in Texas. They created case XXXX XXXX and restricted my debit card and they are sending me out a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
LL Bean CitiBank MC showed a purchase of {$1300.00} made in XXXX CA ( XXXX away ) on XX/XX/23. I have no knowledge of this purchase or the company and have never been to XXXX. I phoned in a fraud alert to LL Bean CitiBank MC and they investigated. They wrote me ( postmark XX/XX/23 ) showing an invoice from the store for {$1200.00} plus {$110.00} for a total of {$1300.00} placed at XXXX. This transaction WAS NOT chip verified, and was PHONE OR INTERNET placed and NO shipping or tacking information was listed. The product is a pair of batteries weigh well over XXXX #. THE LETTER FURTHER STATED THEY WERE REFUTING MY CLAIM and charging me for the purchase UNLESS I provided proof supporting my claim and gave me until XX/XX/23 to prove my case. ( It's hard to prove I did n't drive XXXX to buy something ) I sent registered mail ( sent XX/XX/23, delivered XX/XX/23 ) my rebuttal again swearing I had nothing to do with this purchase, pointed out the above facts and a photocopy of a credit card purchase showing me purchasing gas XXXX away on that date at XXXX. They sent me a second letter SENT BEFORE ( XX/XX/23 ) the XX/XX/23 deadline given me. This finalized their dismissal of my right to claim. They have not responded to any further letters and are billing me for a fraudulent charge.

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