vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-13 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: ACIMA CREDIT, LLC
State: AL

Complaint narrative:
I am writing to complaint to ACIMA DIGITAL FKA SIMPT about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: NC

Complaint narrative:
Here is a List dates of Inquiries I have no knowledge of : 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/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 2024-06-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Here is a List dates of Inquiries I have no knowledge of : XXXX XXXX XXXXXXXX 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/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 2024-06-13 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: IL

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Section 605B of the FCRA [ 15 U.S.C. 1681c-2 ] mandates the blocking of any information that a consumer identifies as resulting from identity theft. I am trying to obtain credit and these fraudulent accounts are hurting my chances to get a car and home for my family. I have attempted many times to get these accounts removed from my consumer report. I am aware of the process in which these agencies verify information and it is not reasonable and accurate. This is fraud and it illegal for corporations to join together to participate in fraud in the guise of just doing business. These unfair practices has cost me greatly and I need to be made whole.

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 2024-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX place a fraudulent account for collections on my credit report on XX/XX/year>. I have no knowledge of this account and I have attempted to remove the account with Transunion. In compliance with the Fair Credit Reporting XXXX Act, section 611, part B subsection ( iii ) ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], I would like for Transunion to care to maintain the procedures to assure complete accuracy in the information they have published and has not complied with the law by providing the requested information within the 30 days allowed. I have also requested a debt validation with a written signature for each account and have not received any response.

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 2024-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
XX/XX/year>, I had major fraud with my bank account and while the bank was resolving this fraud situation. another checking and debit card account was activated. I signed in to place my new checking account online with Barclaybank and it blew it out and did not allow it to hold in place of the old card. They kept calling me, could see on my caller id, and as soon as I answered they would hang up. I was consistently calling and checking my account in XXXX and XXXX. I spoke to XXXX separate people, I have witnesses, on XXXX occasions as they told me my payment was NSF. I advised that my accounts with XXXX XXXX XXXXXXXX had fraud on them and that I could not get my new checking account number to stay in the online portal, but that this was not NSF. I made a payment and then they would put it on hold for an extensive amount of time and then credit the payment back. Other payments I was trying to make stated " unable to locate. I was furious since customer service assisted me on XXXX separate occasions and should have made notes. I should have known when I opened this card that they charged me {$29.00}, and I had no idea until I got back from vacation and checked the card, no mailing or communications. My credit line was {$13000.00}. So at the end of XXXX they advised that I was 30 days late even though I was making payments and I was not since my payment was not due until the XXXX of the following month. So since I had a problem in less than 30 days, they banged my credit advising my account was past 30 days. Also, without checking my credit and seeing I have never had a late and my cards all carry high credit limits, they took it upon themselves to reduce my income to an amount that is absurd and reduce my credit line causing me to have a late, which I have disputed because it wasn't over 30 days and due to fraud. Moreover they took my limited down to where it almost put me over my credit limit. They said they would fix this situation but have done nothing. The last person I spoke to advised that this would be taken care of ; however, he just removed the late charge. Made a payment in XXXX after the customer service rep got the new checking account to stick in the portal. I made {$250.00} and another {$350.00}. Now I look and the payment for {$350.00} is on hold for whatever reason. This is the only credit card company I have had major issues with regarding the fraud I encountered. I never received anything in the mail about being late or through my email from them. Once they took my credit line down and charged me with being late, then I did receive a letter, only letter or correspondence from them. I have many cards and all have low balances and high limits. I am so fed up with the deceptive practices of Barclay Bank.

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 2024-06-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I made a payment on XX/XX/XXXX, the last day of my 30 days to not be late with XXXX payment and on XX/XX/XXXX requested a foreberance request. I was approved on an unknown date and notified via email on the XXXX of XXXX. The last date showing my payment was past due was on the XXXX when I accepted my request. From that date on, my account has shown not only am I not past due, but that my account doesnt have payment due until XX/XX/XXXX and that the company would not be reporting my payments as past due. I have two 30 day late payments on my credit report and have file multiple credit disputes to correct this. The last late notice that the company has was XX/XX/XXXX well within my grace period for XXXX payment. If I had known my payment was past due I wouldve paid it. If I had known my last payment was late, I wouldve been able to renew my lease and not send in a 60 day notice, assuming Id be able to lease somewhere else. Ive requested documentation and not received any response. No response to any emails other than your information is received and the last conversation disconnected on me after I brought up the involvement of my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I made a payment on XX/XX/XXXX, the last day of my 30 days to not be late with XXXX payment and on XX/XX/XXXX requested a foreberance request. I was approved on an unknown date and notified via email on the XXXX of XXXX. The last date showing my payment was past due was on the XXXX when I accepted my request. From that date on, my account has shown not only am I not past due, but that my account doesnt have payment due until XX/XX/XXXX and that the company would not be reporting my payments as past due. I have two 30 day late payments on my credit report and have file multiple credit disputes to correct this. The last late notice that the company has was XX/XX/XXXX well within my grace period for XXXX payment. If I had known my payment was past due I wouldve paid it. If I had known my last payment was late, I wouldve been able to renew my lease and not send in a 60 day notice, assuming Id be able to lease somewhere else. Ive requested documentation and not received any response. No response to any emails other than your information is received and the last conversation disconnected on me after I brought up the involvement of my attorney.

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 2024-06-13 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: 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 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. List all accounts : XXXX XXXX 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 explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: QUALITY ACCEPTANCE LLC
State: CA

Complaint narrative:
A charge off is considered a certificate of indebtedness which means it is income and must be removed. Account XXXX I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations. According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I kindly request assistance in reviewing the status of the charged-off amount associated with my account.

15 usc 1681B permissible purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX failed to take action with sending all below inquiries to them as fraudulent I also sent proof of previous FTC report, social security card, drivers license, And W-2. XXXX is also keep inquiries on report that are past 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 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

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 2024-06-13 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 a victim of identity theft please remove this fraud inquiry 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 2024-06-13 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:
" 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. List all accounts : XXXX  - XXXX, XXXX - XXXX, XXXX  - XXXX, XXXX - XXXX "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: TX

Complaint narrative:
On XX/XX/year> Chase Bank arbitrarily and with XXXX notice, closed 100 % of my checking and saving accounts. 

This includes the following account numbers : Joint checking account : XXXX XXXX XXXX ( {$200.00} of cash assets ) Personal checking account : XXXX XXXX XXXX ( over $ XXXX of cash assets ) Personal savings account : XXXX XXXX XXXX ( over $ XXXX of cash assets ) I only learned of the sudden account closures when I attempted to use my Chase bank debit card to refuel my automobile, and the card was DECLINED. 

I called Chase bank customer service to inquire, and a representative confirmed that Chase suddenly and without notice decided to close the XXXX above mentioned accounts. When I asked them WHY, the rep responded that " Chase has no obligation to tell you ''. When I asked WHEN. 

Further, the rep stated that all $ XXXX in cash assets were FROZEN, and they stated that Chase Bank would not RELEASE the funds to me before XX/XX/year>, where I would need to drive to a local branch to receive my funds. No explanation as to why this date was chosen. 

I called Chase Bank back several times afterwards and was told the same exact rehearsed response. 

These sudden account closures has been a financial hardship. With no access to my accounts, I was unable to transfer cash into the joint account that I share with my husband. My husband likewise could not access the same joint account, and likewise could not fund that account. The joint account is used to pay 100 % of household bills, including mortgage, insurance, utility bills, etc. All of these payees have likewise charged me numerous XXXX fees totaling hundreds of dollars, and utility companies have scheduled the termination of gas, electricity, and water. Additionally, scheduled deposits into this account have " bounced ''. 

The freezing of over $ XXXX in my personal checking account, and abrupt closure of this account, has been a financial hardship. Numerous merchants have hit me with NSF fees totaling hundreds of dollars.. 

The freezing of over $ XXXX in my personal savings account, and abrupt closure of this account, has also been a financial hardship. 

My ASK of the CFPB : XXXX. I request immediate assistance from the CFPB with the un-freezing of my personal checking and savings account. My desire is not to wait until XX/XX/year> - the date that Chase Bank provided to me. Additionally, I have low confidence that Chase Bank will actually release my funds on XX/XX/year> at all. 

XXXX. I request assistance from the CFPB with my getting reimbursed by Chase Bank for the hundreds of dollars in late fees and NSF fees charged by merchants, as well as any utility reconnect fees as appropriate. 

XXXX. I request assistance from the CFPB with charging Chase Bank with any penalties as deemed appropriate for these egregious actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: 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 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. List all accounts : INACCURATE INFORMATION DISPUTE : XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation