vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 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: OH

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : Acct number XXXX, XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> 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 information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, 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 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 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 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 2024-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CREDIT BUREAU REPORTING INACCURATE INFORMATION TO MY CREDIT PROFILE. ACCORDING TO THE FCRA THIS IS A VIOLATION

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 2024-05-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent out several letters asking for validation and deletion of the accounts on my credit report that is reporting negatively. I have enclosed the letters I have sent with no response back. 
Letter one on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Dear XXXX XXXX, XXXX XXXX Account # XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed above as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

This account is inaccurate and does not belong to me. I do not have a contract with this company. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

After doing so please provide me with an updated credit report reflecting the changes. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXXXXXX Letter 2 on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Dear XXXX XXXX XXXX Re : Account # XXXX XXXX, XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed above as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

XXXX Reporting twice on my credit report, I do not have a contract with this company. Delete immedietly. 

XXXX Reporting inaacurate information, I do not have a contract with this company. Delete immediately. 

XXXXreporting inaccurate information. I do not have a contract with this company. Delete immediately. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

After doing so please provide me with an updated credit report reflecting the changes. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent out several letters asking for validation and deletion of the accounts on my credit report that is reporting negatively. I have enclosed the letters I have sent with no response back. 
Letter one on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Dear XXXX XXXX, Re : Account # XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed above as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

This account is inaccurate and does not belong to me. I do not have a contract with this company. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

After doing so please provide me with an updated credit report reflecting the changes. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Letter 2 on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Dear XXXX XXXX , Re : Account # XXXX XXXX, XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed above as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

XXXX Reporting twice on my credit report, I do not have a contract with this company. Delete immedietly. 

XXXX Reporting inaacurate information, I do not have a contract with this company. Delete immediately. 

XXXXreporting inaccurate information. I do not have a contract with this company. Delete immediately. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

After doing so please provide me with an updated credit report reflecting the changes. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks : DATE COMPANY ADDRESS XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX DATE COMPANY ADDRESS XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I have a reference number is XXXX at : IdentityTheft.gov. I was a victim of identity theft a few months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
Hello United auto credit Im writing you again til I get every problem situation and corrected as of XX/XX/2024 my account has been charge off Ive should of receive my 1099-c form to file gross ordinary income and income dose not get reported as debt because the charge off process changes debt into gross ordinary income as stated by the IRS. This account is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My complaint of fraud and massive crime is against Chase. No matter what I do or Chase does, fraud still occurs on cards they issue. They would only give me records for one month at first so I could remove fraud. They stopped at three years of records after days and days and days of fighting with them. I can no longer do business with Chase. They are a fraud conduit.

Bottom line they know there is 100 % fraud on their false charges. They need to be closed down. It is not safe to bank over the internet.

To be clear, there is 7 plus years of fraud on my card
and they will not remove it, Chase has made the process impossible. I tried to negotiate with them many times. They told me they do not do that anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have had a Belk credit card for more than 20 years and it was upgraded years ago to a Belk Mastercard to be used anywhere. I was in store on about XX/XX/2024. The sales associate said that my card was eligible for an upgrade and was that ok. I assumed because of how much money I spent on the card, my rewards would be upgraded. Not true. I got a new Belk store only credit card. It is certainly not an upgrade in any way. I contacted Synchrony Bank to rectify this situation and get it off my credit report. They told me they had received XXXX of calls over this matter and they could do nothing. I would have to go through Belk. I contacted Belk customer service and they said they could do nothing but I could go make a complaint at my Belk store in person. I did that day. The manager said there was nothing she could do. She stated that Belk realized they had a problem and fixed it. She actually pointed out the young man who lied to me at the cash register. If Belk has admitted they did something illegal, like open new cards while telling customers it's an upgrade, then they must fix this with consumers. I suspect there was a monetary reward for managers and sales representatives, and it went awry when those folks lied to customers and opened a new account under the guise of upgrading an existing account. I also contacted Belk customer service on XXXX and was told they would get back to me. That was a month ago. I want the card canceled without affecting my credit score, and I want the ding on my credit score for opening a new card removed. So far, Belk and Synchrony have said they can't do that. My Belk store is in XXXX Georgia. The manager at that store is the one who admitted Belk knew there was a problem but refused to fix it.

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 2024-05-13 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am a victim of fraudulent information reporting and I am refiling this complaint to MACYS/CBNA. I am writing to appeal that you block the following false information from my credit report. 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 remove 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 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 2024-05-13 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: IL

Complaint narrative:
FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts contain inaccurate information. I am entitled to receive {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I spoke to someone named XXXX from Bank of America regarding signing a payment deferral letter. 

In the letter it shows Bank of America is going to defer property taxes paid. The amount of property taxes paid is included in the total amount to be deferred. 

I reported to Bank of America on XX/XX/2024 that I had paid the taxes and any amount Bank of America paid was an overpayment. 

Per the tax office on XX/XX/2024 they refunded the overpayment of property taxes to Bank of America. 

XXXX XXXX states that she can see that Bank of America received the refund check for the taxes. 

According to XXXX XXXX I can go ahead and sign the letter with the total including taxes refunded to Bank of America. This would mean Bank if America would be paid twice for the taxes. Bank of America revived the refund for the tax overpayment and now wants the customer to pay the taxes again as its included in the total. 

She further states that if I sign the letter, I should trust Bank of America will fix it on the back end. This is dishonest and not fair to the customer. Asking a customer to sign an incorrect document seems illegal. 

I did everything right. On XX/XX/2024 XXXX BOfA notified a refund was being mailed. ( see attached ). The XX/XX/2024 notice was weeks before the XX/XX/2024 letter went out. 

Bank of America should have verified Everything prior to sending out that XX/XX/2024 letter. 

The other option to correct Bank of America mistake would be to have Bank of America will need to verify the monies were refunded with escrow and this would void the current payment deferral letter. 

And a new evaluation would need to take place prior to a new deferral payment letter being sent out. 

The process can take up to 30 days and in this reevaluation. This would be XX/XX/2024. 

She further states that the foreclosure scheduled for XX/XX/2024 will proceed even if Bank of America hasnt completed its reevaluation before XX/XX/2024. 

XXXX catamount way XXXX XXXX XXXX Reference number : 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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to contest the inclusion of this bankruptcy on my credit report. It's alarming because I possess a court letter clearly stating it should not be reported to you. Additionally, the involvement of an unauthorized third party adds to the ridiculousness of this situation.

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 2024-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
I purchased a vehicle from a local car lot, I put XXXX down with a payment of XXXX a month through a loan company credit acceptance, after almost a year my principal hasn't hardly moved even with the XXXX down. 
Come to find out there's multiple states either sueing or already have sued credit acceptance for hiding loan costs and setting borrowers up for failure. 
This is exactly what they have done to me. They are guilty of the consumer financial protection act of 2010. 
I'd like to get what I paid in along with my down payment that seems nonexistent on my paperwork.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Block, Inc.
State: MI

Complaint narrative:
I have an account with Afterpay. I am enrolled in a programAfterpay Plus. The program is set to end on XX/XX/year>. I amsupposed to be allowed to continue utilizing the perks ofthe program until this date. However, Afterpay has alreadyremoved the features and benefits of the program beforethe agreed date. I have reached out to Afterpay for 5 dayswith no response back to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: IL

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XXXX, 2024 my entire direct deposit $ XXXX {$920.00} ( XXXX diff amnts ) was transferred to the credit builder acct. after trying to transfer a portion. I was not able to get cash from that acct. I called to have it transferred back into checking and close the credit builder acct. The representative closed credit builder prior to the transfer. Then they said the transfer was not possible and the funds would have to be mailed. I had to wait over 3 wks. to get my funds to find out that nobody would cash the check. I was forced to open an additional checking acct. to get my funds. Also, XX/XX/2024 when I opened chime acct., their accounting was wrong, they took about {$20.00}. I haven't yet closed the acct. due to the fact that I am XXXX and must appear at the social security office to do this. I have a hard time getting around. Thank you!

Company response to consumer: Closed with explanation