vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year> My only employer is : N/A I dont have a employer I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, 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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year> My only employer is : N/A I dont have a employer I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I spoke with the company in XXXX and was told they could not reduce my payment or interest rate ( $ XXXX month @ 14 % interest ). I made a complaint on this website Complaint # XXXX and navient responded I was offered a {$200.00} a month payment. Since then the company denied they responded this information despite documentation. I also requested my original loan balances and information on where each loan came from and have yet to be provided with this information. This is due to my total balance increasing almost XXXX in a few months. I also asked options for lump sum payments and was not provided that information either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
My credit at the time this account is saying it was opened was no where near good enough to secure a card of this type! I absolutely have no recollection of this debt and never have had this card in my possession, let alone any bill to prove so! They are saying the entire limit was used at once and never once paid? This account is NOT MINE! Ive not been able to open up a credit card for many years! I would like to see all supporting documents they have to prove so!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: NY

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 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 2024-05-31 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Cease and Desist Harassment and Dispute of Account Dear Spring Oaks Capital , LLC, I am writing to dispute the validity of the account referenced below and to demand an immediate cessation of all harassment related to this matter. 

XXXX XXXX : XXXX Bank XXXX Account XXXX. : XXXX Current Creditor : Spring Oaks Capital SPV , LLC Reference No. : XXXX Balance : {$3400.00} I contest the validity of this debt for the following reasons : 1. Lack of Notification : I have not received any prior notification regarding the transfer or sale of this debt from XXXXXXXX XXXX to Spring Oaks Capital SPV , LLC. According to legal requirements, creditors must provide written notice to the debtor before transferring or selling the debt to a third-party collection agency. The absence of such notification constitutes a violation of my rights. 

XXXX. Harassment : I have been subject to relentless and harassing communications from your organization regarding this debt. Despite my requests for validation of the debt and verification of your authority to collect, these communications have persisted, causing significant distress and harassment. 

XXXX. Request for Removal : I demand the immediate removal of this account from my credit report. Due to the lack of proper notification and the harassing nature of the communications, I assert my right to have this account deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

In light of the above, I demand that all communications regarding this debt cease immediately. Furthermore, I request that Spring Oaks Capital , LLC take immediate action to investigate and rectify the violations outlined herein, including the removal of the account from my credit report. 

Please be advised that any further attempts to collect on this disputed debt or any continuation of harassing communications will be met with appropriate legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, shortly after receiving my permanent residency, I went to a Chase branch in XXXX, XXXX, with my wife to be added to her exisiting checking account and also applied for a Chase Freedom Credit Card. 

At that time, I was approved for a freedom credit card. The card was sent to my home and I activated it. However, when adding me to my wife 's account, the banker at the branch input incorrectly my details ( birthday and social security number ), and consequently this resulted in the bank account being frozen a few days later for a number of days. Sadly, even after the details were corrected by the branch manager, and my documents approved in person, I was informed by Chase that they will " no longer have any relationship '' with me, which led to a cancellation of my freedom credit card, just 4 days after it was activated, as well as not being able to join my wifes accounts. 

It is worth noting that Chase would not disclose any information or give me any explanation as to why they decided not to have any relationship with me, and I am not aware of anything I did wrong, only know that the mistake that occured was by a Chase XXXX. It is important to note that I never used the credit card. 

As somebody who has just immigrated to the XXXX, I do not have a credit score, and therefore am obviously in a much more sensitive position than the average person. Due to this situation a credit inquiry was made with the credit bureau. This can potentially create an unfavourable outcome to me with any future applications and affect my credit score. 

Given I was not able to use the card for an issue that was out of my control and was not related to my card application, I have asked Chase to remove this inquiry from my credit report. However, Chase refused. I have tried to dispute this decision by contacting them on multiple phone calls and also sent them a letter in the mail to explain the situation, but they refused. 

Just to clarify, if I had known that the credit card application could be affected by the mistake the XXXX made on another Chase application I would not have applied in the first place. That information was never discussed with me and the banker processed both applications for the credit card and adding me to the checking account at the same time. 

In conclusion, a mistake made by the banker ( her putting the wrong birthday and ssn ) to an existing Chase account of my wifes led to a decision made by Chase to stop their relationship with me without giving any reasons, which then caused the credit card I was just approved for to be canceled, affecting my credit report and lowering my chances to successfully build a decent credit score in the XXXX. Finally, I would like to add that since this issue has been dragged on for so long, my credit score has fallen down further due to inactivity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
- XXXX XXXX I received a notification from credit karma that my credit dropped from XXXX to XXXX due to the fact that I owe XXXX the amount of {$770.00}. I didnt receive any letter or notification of this debt before it was out on my credit and I use only XXXX for years now. There was no sort of communication or notification from this company about this debt. 
XXXX my social and identity was stolen by an ex spouse of which it was reported to Irs, the police and credit reporting agency and I have a note on my credit stating to confirm anything with me on my phone number XXXX or my email XXXX before it is added to my credit and that wasnt done by this company. 
- This company also lied that I opened this account XXXX XXXX with XXXX and I stopped making payments XX/XX/year> and now it is a collection or charge off. 
- I have reported them to XXXX for further assistance and if they do not respond or take it off my credit I am filing charges against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not the result of an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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:
After examining my credit report, I identified inaccurate accounts that were not the result of an error.

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 2024-05-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
These reward cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not offer me a refund. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender XXXX and tell us there is nothing they can do about it. They falsely advertise that their cards can be used anywhere that accepts American Express  cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I tried to use at XXXX- it was declined and I had to 'request ' a new card. Same issue with current card. My money is inaccessible. All I want is the total balance on my cards in cash/check. 

card # XXXX {$100.00} activated XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: FirstPoint Collection Resources
State: PR

Complaint narrative:
On or around XX/XX/XXXX I was alerted by XXXX XXXX about a debt of mine falling into " Collections '' I rushed to see what that was all about as I am very responsible with my debts and take care of my credit as best as possible. As I investigated I see on my XXXX report this supposed account with XXXX XXXX XXXX as being the culprit. Also at the same time I see a new " address '' of mine show up on the XXXX report as well. I do not recognize this XXXX, PA XXXX address at all. I have never lived anywhere outside of XXXX XXXX and have no business at all linking me to this electric utilities company and much less living in the state of Pennsylvania. I am certain this has to be a huge mistake by XXXX or my identity has been stolen. Oddly enough I have no other negative remarks on record nor anything else has shown up on either of the buraus monitored by XXXX XXXX or XXXX. I strive to keep my credit in top shape. All my accounts are in good standing. And I pride myself for being a responsible adult, specially in these matters. Nonetheless my biggest gripe apart from this huge burden being laid upon me, is that when attempting to file a dispute with XXXX as so graciously XXXX XXXX guides me to do, I am unable to do so as the forced process that requires me to log into XXXX seems to be broken. I've been trying to log in to complete this dispute claim and have this looked into yet every single time I attempt to I am met with a " We are temporarily unable to complete this request. Please try again later. '' message. It has been this way for the past 2 weeks almost and no help over the phone either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYST Date opened XX/XX/XXXX Collection account. {$470.00} past due as of XX/XX/XXXX This account should be remove is has been four years, the day the account was open is wrong. The Fair Credit Reporting Act regulates credit reports. The Equal Credit Opportunity Act prevents creditors from discriminating against individuals. The Fair Debt Collection Practices Act established rules for debt collectors. The Electronic Fund Transfer Act protects consumer finances during electronic payments. 

The statute of limitations for debt collection in Texas is four years, as stated in Section XXXX of the Texas Civil Practice and Remedies Code. This means that creditors or debt collectors have XXXX years from the date of the last activity or default on the debt to file a lawsuit to collect it. This includes credit card debt and consumer debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: LA

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
I sent a letter to Diversified Adjustment demanding proof of the original debt and application with my signature. I also provided them with documents regarding me being a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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