vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 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: FL

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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: CA

Complaint narrative:
Ive called XXXXXXXX XXXX informing them of my need of my 1099c i was informed that I can not get it from them I have to get it from another company which is false. The IRS clearly defines a charge-off as Gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT. It is very inequitable to make me choose between potential tax consequences and still have XXXX XXXX continue to hold me liable on the debt that clearly states it is charged off. And received security interest on. Because its fact that it is income it makes the reporting of this account inaccurate! By definition by the IRS which clearly says a canceled debt or charge-off is income. The reporting of this account as a debt is inaccurate. The lender must file Form 1099-C and send me a copy if the amount of debt canceled is { {$600.00} } or more this applies to financial institutions, credit union XXXX federal government agency, or other applicable entity. XXXXXXXX XXXX XXXXs a financial institution by definition. any organization whose significant trade or business is the lending of money are subject to this regulation. Additional regulations ( 26 C.F.R. Section 1.6050 P-1 ).

In XXXX XXXX  I wrote XXXX XXXX discussing a deposit account possib
ly associated with my account and have not heard anything in response. According to their card holder agreement If the Account was approved on condition of its being secured or partially secured, the following rules apply : ( i ) you agree to create a Deposit Account, which you shall maintain with us and cause to remain unencumbered, except for the security interest granted to the Bank pursuant to this Agreement. If The Account is closed by you or by us for any reason, and ( B ) we fail to apply the funds in the Deposit Account against amounts owed on the Account or otherwise to us, you may request, in writing, that we apply the funds in the Deposit Account against such amounts. We will honor any such written request after we receive it at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. If the amount in the Deposit Account exceeds the amount you owe the Bank, then, unless you instruct us otherwise After the Account has been closed and there are no amounts owing in connection therewith or otherwise under this Agreement, we can hold the funds in the Deposit Account until the earlier of the following : ( 1 ) we elect, in our discretion, to close the Deposit Account and return any remaining funds to you ; or ( 2 ) not more than 30 days after we receive from you a written request to return any funds remaining in the Deposit Account. it has been well over the time frame with no communication.

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 2024-01-29 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: NC

Complaint narrative:
I am writing to file a formal complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ). Despite numerous attempts to dispute inaccuracies on my credit report, specifically related to the reporting of late payments on accounts with OneMain, XXXX XXXX, and XXXX XXXX XXXX, TransUnion has failed to provide a fair investigation and transparent explanation of the verification process, as required by the FCRA. 
I have disputed the presence of these account on my consumer report multiple times. TransUnion claims to have verified the accuracy of this account, yet I have not received any satisfactory response detailing the steps taken to verify its accuracy. Pursuant to the FCRA, I am entitled to a clear and comprehensive explanation of the verification process and the basis on which these were verified on my consumer report. 

XXXX Acc # XXXX XXXXXXXX XXXX XXXX Acc # XXXX XXXXXXXX XXXX XXXX Acc # XXXX I have raised concerns about the late payments posted on my accounts with XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX. I have specifically requested information about the verification process in accordance with the FCRA. TransUnion has not provided any adequate response or documentation regarding the investigation into the accuracy of these late payments. 
I believe that TransUnion failure to provide a satisfactory response violates my rights under the FCRA, which grants consumers the right to dispute inaccuracies on their credit reports and receive a fair and transparent investigation. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with the FCRA. I appreciate your attention to this serious matter and look forward to a resolution that upholds the rights of consumers. 

Thank you for your prompt attention to this complaint.

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 2024-01-29 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: RI

Complaint narrative:
XXXX, XXXX and Equifax per 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: RI

Complaint narrative:
XXXX, Experian and XXXX per 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
This account does not belong to me. I have never had an account with XXXX XXXX or Sunrise Credit Service. This account may be a result of identity theft, as I have already been a victim in times past. Please remove this fraudulent account immediately.

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 2024-01-29 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: MA

Complaint narrative:
On XX/XX/XXXX, I initiated contact with Experian regarding inaccuracies present on my credit report. Despite my initial communication, there has been no response from Experian to date. Below, I outline the specific details of the erroneous information and the necessary corrections : Account with XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} Issue : This account was never late. 

Request : Please correct/update this inaccurate information promptly on my credit report. 
Account with XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is not mine. 
Request : Please remove the mentioned account from my 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 non-monetary relief
Consumer complaint received 2024-01-29 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: HI

Complaint narrative:
Title 15 of the United States Code, Section 1666b, is a provision within the Truth in Lending Act ( TILA ) that outlines the rights and liabilities of consumers and card issuers in cases of unauthorized use of credit cards. Here 's a summary of the key points covered in this section : 15 USC 1666b : ( a ) Prompt Notification : If a cardholder reports the loss or theft of a credit card to the card issuer, the issuer must provide an explanation of the cardholder 's rights and responsibilities under this section. 
The card issuer must provide a written statement of these rights and responsibilities to the cardholder at the specified address. 
( b ) Limitation on Liability for Unauthorized Use : The liability of a cardholder for unauthorized use of a credit card is limited to the lesser of {$50.00} or the amount obtained by the unauthorized use before notifying the card issuer. 
If the unauthorized use occurs before the card issuer provides the written statement of the cardholder 's rights and responsibilities under this section, the liability is capped at {$500.00}. 
Practical Implications : Prompt Notification Requirement : Card issuers must inform cardholders of their rights and responsibilities when they report the loss or theft of a credit card. 

Liability Limitation : Cardholders are generally liable for up to {$50.00} for unauthorized use of their credit cards. However, if the unauthorized use occurs before the card issuer provides the written statement of rights and responsibilities, the liability can be up to {$500.00}. 

Consumer Protection : These provisions of TILA aim to protect consumers from significant financial losses resulting from unauthorized use of their credit cards, encouraging prompt reporting of lost or stolen cards while providing a reasonable liability limit. 

Understanding these provisions is crucial for both cardholders and card issuers, as they outline the rights and responsibilities of each party in cases of unauthorized credit card use.

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 2024-01-29 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: T.S. Holdings
State: NC

Complaint narrative:
I do not recognize this account, the amount that they are charging me, I do not know what it is, they never contacted me, it is an account that has been active since XX/XX/2023 from a believer that I do not know, the amount that they are reporting to me is {$1900.00}. I have already written to the different credit bureaus reporting this situation and they have not given me a solution. I do not have Letters or documents or receipt of what I am being charged, which I do not have the slightest idea of where this debt that is affecting my credit report comes from.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: MA

Complaint narrative:
I am writing to bring to your attention a matter of concern regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Despite my initial contact, I have not received a response from Equifax as of today 's date. 

Details of the inaccurate information and necessary corrections are outlined below : The following account with XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$500.00} ) was never late. Please correct/update this inaccurate information on my credit report. 


The XXXX account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) is not mine. I request the removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MI

Complaint narrative:
I have frozen my reports through LexisNexis and received a form with the pin confirming it was frozen. I tried to get a XXXX quote and a few days later received an email from XXXX stating I did not receive the best quote due to information it pulled through LexisNexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Subject : Notice of Default and Credit Denial Dear American Express Customer Relations, I am writing to address the recent denial of my credit application with American Express and to bring to your attention a specific provision in your Inventor Trust Agreement that I believe is pertinent to my application. 

In reviewing the Inventor Trust Agreement, specifically Section 2.9 - Exchange and Registration of Transfer of Securities, it has come to my attention that my application is considered a security under this provision. I understand that the proper evaluation of creditworthiness is crucial, and I have carefully reviewed the terms and conditions associated with this section.

Given the information provided in Section 2.9, I would like to highlight that my application should be considered within the framework of the agreement, and any denial should be thoroughly reviewed in accordance with the terms outlined in the Inventor Trust Agreement. 

I believe that my application has not been given due consideration in light of the mentioned section, and I am concerned that this denial may constitute a notice of default under the terms of the agreement. 

I kindly request a thorough reevaluation of my credit application, taking into account the relevant provisions in the Inventor Trust Agreement. Additionally, I would appreciate any clarification on the reasons for the denial and any specific documentation or information required to remedy the situation. 

I value my relationship with American Express and trust that this matter can be resolved amicably. Your prompt attention to this issue is greatly appreciated. 

Sincerely, XXXX XXXX, agent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: MS

Complaint narrative:
I have noticed something is wrong with my credit file XXXXXXXX XXXX XXXX with account # XXXX it has several innacuracies which I have tried getting them to remove the account but I havent had any luck.the items that are wrong is listed below : Account type Date opened Date last reported Date last active I want this account removed immediately

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 2024-01-29 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Account unable to be open

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