vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: CA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This year in XXXX I called my bank citi bank about fraudulent transactions in my account which is currently in the negative of XXXX I told them that I lost my card around that time I have been calling them since XXXX and its now the end of XXXX anyone I get on the phone with gives me the same response which is not helping solve the issue I havnt been able to use my account for over 2 months and it is currently blocked all the funds in my account were stolen and used I have been trying to get help so I can get reimbursed for those funds. If anyone can help me about this situation would be greatly appreciated.

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 2024-12-26 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: OH

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of {$4000.00} and Citi Bank Account ending in XXXX XXXX Citi Bank Informed me that due to the check not signed that they will close my checking account. 

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX of {$1700.00} was deposited into Citi Bank Account ending in XXXX XXXX 

at this point I have no acess to any of my funds and I made several phone attempts to verify my account balance and request access to my Funds. 

Before Account closure I had a available balance in my account of with I didnt received any formal notices to this date as requested from my employer XXXX XXXX XXXX XXXX XXXX on a transaction ID verification of deposit of payroll check in the amount of {$1700.00} was deposited into Citi Bank Account XXXX XXXX XXXX XXXX I was told over the phone one thing and told something different by another account representative of investigator that no funds where received from the Payroll and that their was no transaction ID. 

One of my concerns are if funds where received or not, I need to know and gain access to those funds and Citi bank. i tried to demand an account closure to gain access to my funds i was told 60 day for any notice.

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 2024-12-26 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate information reported by XXXX XXXX XXXX on my credit account. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) Section 1681 ( e ) ( b ), which requires data furnishers to ensure maximum accuracy of the information provided to credit reporting agencies. 

**Details of the Issue : ** XXXX XXXX XXXX has reported my account inconsistently and inaccurately over multiple years. Below is a detailed record of the payment history as reported : - 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 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 The payment history contains multiple inconsistencies and inaccuracies. For example : - " Charge off '' ( CO ) status is reported repetitively without clear rationale or supporting documentation.

- " No Data '' ( ND ) entries appear inconsistently across months and years, raising questions about data reliability.

- " Closed '' ( CLS ) and " charge off '' entries are reported simultaneously in XXXX, which is contradictory. 

Such inaccuracies suggest that the reporting by XXXX XXXX XXXX is not in compliance with FCRA Section 1681 ( e ) ( b ).

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 2024-12-26 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: AR

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: TX

Complaint narrative:
There has been some irregularities on my credit report due to some closed account that I noticed recently that does not belong to me nor do I have anything to do with those closed account, this is a result of inaccuracy reporting and it violated my consumer right.I want all parties involved to look into this urgently and removed this closed account that i have nothing to do with and in Accordance with the FCRA section 611 this companies violated my consumer right. 


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/XXXX All these above account are not associated with me and they are showing on my closed account record kindly remove.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am trying to find out my credit report and score for Experian and XXXX but I cant seem to get a report generated

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 2024-12-26 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: CO

Complaint narrative:
In XXXX, I was refinancing my mortgage and all of a sudden a missed payment on a supposed XXXX account in XXXX showed up on my credit report. This issue was not on my credit report just XXXX years earlier, it just popped up on it. 

XXXX never sent me any notice that I owed them money from XXXX years ago for XXXX month payment. No back up information of any kind was ever provided to me, they just say I owed it and the credit reporting agencies marked my credit rating significantly. I filed a dispute and XXXX was the only one that seems to have corrected it. 

I went in to buy a car this week and this XXXX year ago issue still reduces my credit score significantly. This is the only mark on my credit and it reduces my credit score by XXXX points. 

Again, I reached out today to dispute it, and XXXX responded in about XXXX minutes that the dispute was resolved with no apparent change coming. 

To have a single payment issue from XXXX ago suddenly appear on your credit report is bad enough, but when that is the only mark on you credit to have it reduce your score by 25 % is ridiculous. Again, XXXX never said I missed a payment either XXXX  years ago nor any time since. It just got put on there decades later and there's nothing I can do about. That just seems crazy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: OH

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 explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
On or about XX/XX/year> a deduction of {$160.00} was taken from my Chime checking account. I contacted Chime and disputed the funds being taken from my account. Once I recognized it was my auto insurance I immediately contacted Chime to close the dispute and return the {$160.00} to my account. Upon contacting XXXXXXXX XXXX XXXX my carrier I was informed that no money was received and therefore they had canceled my auto policy. 
Upon me making another payment to XXXX XXXX XXXX a new policy was written, only to be deactivated which caused a second policy to be issued only to have that one deactivated after another payment and then a third policy was issued all unbeknownst to me that I now was carrying XXXX policies. When I went on my insurance app and saw that again it said my policy was deactivated I then went directly into the office where the agent there then found where the problem lie. 
This led to a series of phone calls to XXXX XXXX main office in order to untangle this mess. At which time it was disclosed that in fact the {$160.00} was not received and that's why my policies were canceled. 
I have been in contact with chime a minimum of 4 to 6 times since XX/XX/year> in regards to this issue. I have sat in the insurance agents office with both chime agent and XXXX  XXXX finance officer discussing the issue. At which time chime has been informed that my auto insurance company was never in receipt of the {$160.00} therefore my auto policies keep getting canceled. I have also spoken to four escalation supervisors all claim to be investigating. They also informed me that they could see that the {$160.00} have been taken from my account and has not been returned to my checking account. XXXX XXXX has clearly stated to chime that they were never in receipt of the {$160.00}. as of this date XX/XX/year> I have still gotten no resolve in the return of my {$160.00} to my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I have multiple accounts that have been charged off showing both a past due amount and a total outstanding balance. when an account is charged off the balance should be zeroed sense the company has written the account as a loss. Also when the account has been charged off the company is required to provide me with a 1099-c in witch i have not received any. with the inaccurate information and some of the companies have turned over the remaining balance to debt collectors these accounts need to be deleted from my credit reports immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: CO

Complaint narrative:
I have multiple accounts that have been charged off showing both a past due amount and a total outstanding balance. when an account is charged off the balance should be zeroed sense the company has written the account as a loss. Also when the account has been charged off the company is required to provide me with a 1099-c in witch i have not received any. with the inaccurate information and some of the companies have turned over the remaining balance to debt collectors these accounts need to be deleted from my credit reports immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: DE

Complaint narrative:
I am writing to request the removal of certain items from my credit profile. These charges are the result of identity theft, and I did not authorize them. I kindly ask that these items are removed and deleted in order to correct my credit report and so i can move forward with housing. i reported the theft of my identity to the Federal Trade Commission and i have also enclosed copies of the Federal Trade Commissions Identity theft affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: DE

Complaint narrative:
I am writing to request the removal of certain items from my credit profile. These charges are the result of identity theft, and I did not authorize them. I kindly ask that these items are removed and deleted in order to correct my credit report and so i can move forward with housing. i reported the theft of my identity to the Federal Trade Commission and i have also enclosed copies of the Federal Trade Commissions Identity theft affidavit.

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 2024-12-26 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: CT

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 2024-12-26 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: NY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-12-26 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: 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 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 Bank 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 non-monetary relief