vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
I sent a letter to XXXX regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2025-01-02 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: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
XX/XX/year> JPMCB Card XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX  Inquiries not authorized by me, and they are dates that I tried not to request anything to raise my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I made a {$2300.00} purchase. The next day I paid that amount off as I pay my balance off every day. My credit limit is XXXX so I make sure to pay off my card every day so I can continue to use it daily. They put a XXXX  day hold on my payment for some reason and now I can't use the card!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My problems began with Citi Bank and their payment option with their mobile app thru XXXX. For years, the app worked fine to make payments until XXXX when I took out a personal loan with CitiBank. XXXX  at that time, so they could get automatic payments, scrambled my checking account number so I could not verify if it was correct. There was also another account unknown to me that I could not remove from their app or even add anything. Consequently, my bank showed me I made intended payments to Citi thru their app XXXX but XXXX never paid CITI and Citi claimed my bank refused to pay. My bank denies all of their accusations. So, when I got notice from Citi the following day or XXXX that my payments did not go thru, I would have to call and complain and pay over the phone. Countless phone calls with CITI apologizing, claiming I am and exceptional customer, never late and that they would guarantee my proper banking information would be corrected. It never was and still is incorrect. My XXXX card where I buy all my food, gas, meds, sundries, etc was suddenly cancelled on XX/XX/XXXX when I was at the store and the card was DECLINED with available credit somewhere near $ XXXX plus. When I called, I was told CITI declined me and a letter was sent. To date, no letter, no explaination. Up and until XX/XX/XXXX, CITI still had my bank account scrambled. XXXX XXXX # XXXX admitted XXXX was a problem. The next day, XXXX took a payment for my personal loan over the phone because again, XXXX XXXX up my on time payment. I was told no late fee. I have written Citi to their legal department, and their credit card department, no one has responded. I have contacted my attorney who wants to see the decline letters that have not arrived. In the meantime my score was XXXX on XX/XX/XXXX. XX/XX/XXXX when they closed my other card it went down to XXXX and today I imagine it is much lower but Citi no longer offers that to me because I don't have a credit card. My payment history on all credit is golden. Citi Bank has major internal problems that have very much hurt me financially, credit wise and has ruined my good name. It is very hard to reach anyone with authority on the phone but collections is always available. I have documented Citi as well. No response. I am planning to purchase a home in XXXX months. This has literally KILLLED my homeownership prospects.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Various accounts are listed and being reported on my consumer report as charged off and or written off and profit loss write off and still show an open status with late payments being reported. Also some of these accounts are being reported again from a collection agency or debt buyer with a new account age, as if it's a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/XXXX i submitted a transfer from HSA Bank to XXXX XXXX XXXX. 
they said it would take 4-6 weeks. It still hasn't happened and they don't return calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Complaint Type : Credit Reporting - Incorrect information on your credit report Issue : Dispute investigation by credit reporting company didnt fix error Complaint Details : I am filing this complaint regarding inaccurate and unverifiable information reported on my credit file by XXXX. Despite multiple disputes submitted to XXXX, no verification or validation has been provided as required under the Fair Credit Reporting Act ( FCRA ). The details of the accounts in question are as follows : XXXX XXXX Account ( # XXXX ) Conflicting statuses : " Closed at credit XXXX 's request '' and " Charged off '' Credit usage shows 100 %, with a balance ( {$440.00} ) exceeding the credit limit ( {$300.00} ) Missing payment history from XXXX to XX/XX/XXXX XXXX has not provided any validation documents from XXXX XXXX XXXX XXXX  Account ( # XXXX ) Reflects five late payments without clear documentation or explanation Reports a past-due amount of {$160.00}, despite a highest balance of {$190.00} Misleading status : " Closed at credit grantor 's request '' but still reported as past due No documentation validating the account details has been provided XXXX  Account ( # XXXX ) Discrepancies : Account lists a credit limit of {$300.00}, a highest balance of {$0.00}, and " Discharged through Bankruptcy XXXX XXXXNever Late '' Missing payment history from XXXX to XX/XX/XXXX The status shows " Completed investigation of FCRA dispute - consumer disagrees, '' but no substantiating documents were provided As a victim of the XXXX XXXX breach, I believe the inaccuracies may also stem from identity theft or fraudulent activity.

FCRA Violations : 15 U.S.C. 1681i ( a ) : XXXX has failed to delete or verify the disputed information within the required 30 days. 
15 U.S.C. 1681e ( b ) : Experian has not ensured maximum possible accuracy in reporting these accounts. 
Case Law Reference : In XXXX XXXX TransUnion XXXX ( XXXX ), the court ruled that credit reporting agencies can not rely solely on data furnishers and must conduct their investigations. XXXX has failed to comply with this precedent.

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 2025-01-02 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: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-02 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:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: VA

Complaint narrative:
I recently noticed Jefferson Capital on my credit report. I have NEVER obtained ANY CREDIT from this company. I have reached out to this company and requested documentation with my signed wet signature but they have failed to send proof. The reason they could not provide proof is because I have never had credit with the company, they have listed themselves for a collection company but again I have not contract or credit with this company. When asked for validation they sent me documents saying my personal information is correct. This documentation does not prove any monetary obligation to this company. As I further research I also notice this company is collecting on behalf of XXXXXXXX XXXX This account also has not been verified as accurate but instead documentation was sent to me stating my personal information is correct. This is not how accounts are verified or validated. THIS IS A VIOLATION OF MY FCRA RIGHTS. These 2 accounts are basically attempting to collect on the same unverified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: NJ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2025-01-02 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: NY

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-02 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: CA

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 XXXX XXXX  account [ 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 explanation
Consumer complaint received 2025-01-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hard pull on Experian XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Inquiried on : XX/XX/year>

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 2025-01-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im writing to address a serious issue regarding the reporting of my mortgage account ( Account Number : XXXX ). Its been brought to my attention that my payments for several months are inaccurately showing as late, when in fact, Ive always paid on time.

Specifically, the following months : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> should all be marked as OK or Paid as Agreed. There is no excuse for these mistakes, and they need to be corrected immediately.

The fact that these late payments are showing on my report is not only incorrect but also a violation of my rights under federal law. To be clear : 15 U.S.C. 1681a-2 requires that credit reporting agencies ensure the accuracy of the information they report. These inaccurate late payments are a direct violation of that law.

Under 15 U.S.C. 1681c-2, I am entitled to have these inaccuracies investigated and removed within 30 days. You have had more than enough time to address this, and I expect it to be corrected immediately.

15 U.S.C. 1681b holds you accountable for reporting only accurate information. Its clear that my payments were on time, and your failure to reflect that is both negligent and unlawful.

At this point, theres no more room for error. I expect you to update the records to show that I made timely payments, as I always have, and remove any references to missed or late payments from my credit report.

If this is not corrected immediately, I will be filing complaints with the FTC, CFPB, and pursuing legal action for failing to comply with the law. Im giving you 5 business days to get this fixed.

I expect written confirmation of the correction within 4 days. This issue needs to be resolved, and I will not accept anything less than the accurate reporting of my payment history.

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