vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: EQUIFAX, INC.
State: AR

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: MD

Complaint narrative:
I opened a US Bank Silver Business checking account XXXX on XX/XX/2024 and I had funds in the account. However some time in XXXX, US bank seems to have closed my account without my consent. Since then ( more than 1 month after the account was closed by them ) I have not received my funds back to me yet. I called them several times, but I have not received a response yet. I request them to return the fund ASAP.

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 2024-09-27 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.
State: NY

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying to remove some inaccurate information from my credit report and both Trans Union and XXXX are refusing to investigate or correct the things on my credit report. They just sent these emails stating they do not think my dispute letters are coming from me. I am using template dispute letters from the CFPB website and from XXXX. I'm also reading online that the credit reporting agencies do this to everyone who sends disputes to avoid correcting the inaccurate information. THIS IS AGAINST THE LAW! The CFPB website states they have to investigate and respond within 30 days. Hopefully by filing this complaint the CFPB will investigate Trans Union and XXXX and hold them accountable for violating my consumer rights protected by Federal Law.

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 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX XXXX, I had a checkings account with Chase Bank until they decided to close my checkings accounts out of the blue. I called Chase Support and they said they no longer wished to have me as a Chase customer. I called again to see if I can withdraw the funds from my checkings account and they said they have to verify some payments that were withdrawn from cashapp in order to do so. They said my payments from cashapp are suspended because Chase it's withdrawn to a different name than my legal name, but on cashapp you can change your profile name to whatever name you want. I explained this to Chase Support and they keep redirecting me to different branches and I have to wait extremely long to get the same answer which is to verify my cashapp account payments. I visited the branch to talk more about this situation. The associate banker I talked to said that I can print out screenshots of my cashapp login page to show them. She said she would send them to the back office. I came to the branch again with the printed screenshots and she said she will send it to the back office. She called me back and said they weren't eligible. This time she says that I have XXXX dispute the payments in cashapp in order XXXX verify, so I called XXXX if I can do that but they said that the money was authorized and disputing is not possible. It has been extremely frustrating because I don't know what Chase Bank wants. I have access XXXX my cashapp accounts and I can login and show them that they are mine. Chase Bank also suspended my direct deposits from my job even though they said they suspended my cashapp payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: January Technologies, Inc
State: TX

Complaint narrative:
I do not know this third party debt collector I've never met them nor talk to them nor have I signed a written agreement or made any transaction with them and they have violated mind right by not giving me the option to or letting me know I could dispute it. I have not gotten a copy of the contract that I have signed with this collector it has put me under stress and sleepless nights trying to figure out how I owe this company money when I never have met them or I know anything about them this is against the law by not providing me an original signed contract. This needs to be taking off my credit report because if it's inaccuracy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: CL Holdings LLC
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name JEFFERSON CAPITAL SYSTEMS LLC Account # : Unavailable Original creditor : UNKNOWN. I looked at my transition credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XXXX, The now XXXX XXXX, XXXX XXXX XXXX secured a personal residential construction loan to build a home. At closing, the HUD XXXX XXXX, showed she paid off the lot where the home was being built for {$61000.00} +. However, the XXXX paid off the lot for {$16000.00}. From XXXX XXXX insisted that I, XXXX XXXX XXXX XXXX contract to build her home, and I took her money, which she collects {$100.00} per month in restitution due to her false misrepresentations in XXXX XXXX XXXX XXXX and is still able to practice making residential mortgage loans at XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, in XXXX XXXX XXXXXXXX XXXX and XXXX XXXX ( XXXX XXXX ) the correct XXXX, did an Order of Dismissal in Favor of me ( XXXX ), however, the XXXX XXXX XXXX won't clear my Good Name or stop collecting restitution for a debt I do not owe. From XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX me that it did not have jurisdiction to make me quit my job or surrender any of my XXXX XXXXXXXX licenses, however, they have not provided any Orders of recompence or financial assistance that will assist me to get back on my feet. Please Investigate as my Civil Rights and XXXX XXXX XXXX are being Violated as a XXXX XXXX who has been improperly imprisoned, unlawfully seized, and have lost my home, personal property, and ability to perform work on XXXX XXXX and at the XXXX XXXXXXXX. 

Additionally, from XXXX, while employed at XXXX and now XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX small business and personal accounts that I had with XXXX and XXXX in XXXX XXXX XXXX XXXX XXXX XXXX sensitive data about me, including that I was going to receive Pension from my ex-husband 's XXXX XXXX XXXX XXXX XXXX well as stating that I had a $ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX wasn't even aware that I had. This information was only accessible because she is an XXXX with access to systems that I know nothing about. She accessed my accounts and used my personal data without my expressed written permission and without my knowledge and did not disclose it to me but tried to use it against me to obtain additional money and property from me without the proper authority. This is a violation of a licensed residential mortgage bank loan XXXX 's code of ethics, policies and regulations.

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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically XXXX XXXXwhich falls under XXXX as defined by the XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau XXXX CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXXAccording to Section XXXX of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within XXXX business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( XXXX ). As only XXXX forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
On XX/XX/XXXX I received an email from Home Depot Credit Services with a statement showing a balance of {$5200.00}. The statement showed 6 purchases each between {$700.00} and {$900.00} that were made in Pennsylvania and New Jersey between XX/XX/XXXX and XX/XX/XXXX. I called the number on my credit card to report the fraudulent purchases. I was told that a person by the name or alias of XXXX XXXX had taken control of my account, made himself an authorized user, and was sent his own credit card linked to my account. I was NEVER notified of these changes. Home Depot has acknowledged notification of the fraud and stated in a letter that I did not have to make payments on the disputed charges. However, since then I have continually received email statements almost daily showing that I owe the disputed balance. I have also received two letters from Citi Bank stating they are attempting to collect a debt and that my account is past due. I last used my Home Depot card on XX/XX/XXXX and paid the balance on XX/XX/XXXX. I have not used the card since then. I have not made any purchases where I would owe any payment. It appears to me they are trying to make me pay for the fraudulent purchases that they were responsible for.

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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts 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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-09-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
This lending company calls EVERYDAY, approximately every two hours, starting as early as XXXX XXXX XXXX XXXX. They call using various out-of-state unrecognizable cell # s. They leave long messages, always on a teleprompter, stating that my loan has been approved for up to {$80000.00}. 
I have one existing credit card with Capital One, which I became unable to make monthly, timely payments on due to divorce. I contacted Capital One, and got nowhere attempting to work with them. I have never requested a personal loan from XXXX nor from any other lending company that has continued to harass me everyday. I believe that Capital One is behind this. When I have spoken with many of these callers from various agencies, and told them that I have never applied for a loan with them, and that I am registered on a National Do Not Call Registry, ( and asked to have my name/cell # removed from their contact list ), the calls stop for several days, only to resume again. These are nothing but harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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.
State: PA

Complaint narrative:
This morning, I was completely shocked to find inaccurate accounts on my credit report, and I have no idea how they got there. I check my report regularly, but this time, there were random discrepancies that I wasnt expecting at all. I even refreshed my browser hoping it was some sort of glitch, but they still showed up. I am extremely concerned, and I need the documents Ive sent to be reviewed thoroughly, so I dont have to stress about this ever again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: FL

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe to be fraudulent, as permitted under Section 605 ( b ) of the Fair Credit Reporting Act. List on the fraudulent accounts are attached on my FTC REPORT XXXXPLEASE READE FTC REPORT IN DETAILXXXX

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 2024-09-27 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: FL

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe to be fraudulent, as permitted under Section 605 ( b ) of the Fair Credit Reporting Act. List on the fraudulent accounts are attached on my FTC REPORT XXXX XXXX FTC REPORT IN 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