vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
I got a notification that a new account was opened on my credit report. I noticed this account from Jefferson Capital and immediately called. I stated that this account did not belong to me. I then went on to ask how did they place this account on my credit without reaching out to me prior? I was not notified prior to this account being placed on my credit, and therefore not given the time to respond or dispute this alleged account. I spoke to three people in this company all of which on a recorded line could not verify with dates that I received communications about this debt. Had I received the proper notification of this debt, I would've disputed with the proper documentation to show it is in deed identity theft. I have never had a XXXX  phone or XXXX  account, my phone is in my parents ' name, always has been.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Delete those late dates now! The bureau and the furnisher have ignored my requests to fix this inaccurate reporting. I've followed FCRA procedures, but the information remains unverified and incomplete, violating my rights. Take immediate action, remove the late dates, and confirm in writing no more excuses! XXXX XXXX XXXX and XXXX XXXX XXXX. Also, get that fake bankruptcy off my credit report now! I've never been to court, and there's no judgment against me. Remove it immediately, or my attorney will file a federal case against you within 30 days no more delays! Take this seriously and fix it now! US BKPT CT CA XXXX XXXX XXXX Filed on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The last statement received I received on this credit card was XX/XX/XXXX. I made full payment on XX/XX/XXXX. No statement was issued on XX/XX/XXXX and Chase refuse to create or issue one, claiming that there were no transactions during the statement period, despite admitting verbally that they received this payment on XX/XX/XXXX. ( A transaction by definition ). 
This has cause jeopardy to me in trying to finalize a mortgage loan for a home I am purchasing. Their alternative solutions, a letter only available via delayed fax or extended delay USPS mail is not satisfactory for the underwriters and I am unable to prove that I have paid this statement. of XX/XX/XXXX, especially as I no longer have fax machine, a virtually obsolete technology. 
I would expect that ANY transaction with a financial institution should be legally recorded on a statement for the consumer, or another equally valid and available legal document. It is XXXX cost to them for their system to create a digital statement and post to my account therefore it is fiscally negligent and abusive for Chase to refuse to do so, for their own petty and dubious business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Last four of XXXX D.o.B XX/XX/scrub>XX/XX/XXXX Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintain. I received a response stating that the accounts were verified. 
I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is require. to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

XXXX. Account XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX. Acount XXXX XXXX XXXX Account number : XXXX Per the FCRA you are required to provide this information within 5-10 Days or delete the negative items from my credit

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 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have send documents to Amex verifying that i did not purchase a flight XX/XX/2023 XXXX and XXXX have verified this. 
I have send police report and other documents to Amex. 
I keep calling to verify they have the documents but there not confirming.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-19 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: AK

Complaint narrative:
This is not a verification account. XXXX Account # XXXX XXXX is reporting XXXX accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My loans are my business. My loans are my private information. XXXX have reported my private information without my consent. XXXX  actions have amount to aggravated identity theft XXXX XXXX XXXX. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. Please delete XXXX Account # 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 2024-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: LA

Complaint narrative:
I opened some disputes on my chime checking account against XXXX thats a betting casino site someone stoked my information and took the money from my chime account to make illegals bet. Betting is illegal and I have contacted XXXX and they said they refunded all the money to you guys ( chime bank ) but the money is still not in my account. Im being owe over XXXX usd dollars in my account. If this is not fixed before Thursday I will proceed to small claim courts. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account # XXXX XX/XX/year> Social Security Number : XXXX Loan Amount : {$16000.00} It has come to my attention that negative items are being reported on my credit to XXXX, TransUnion XXXX XXXX XXXX and XXXX XXXX without my consent. Per FCRA as a federally protected consumer I am now opting out any and all authorization, the consumer may have given you written, unwritten, verbal, and non verbal per 15USC6802.

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life.

I kindly request that all reporting violations be ceased immediately, and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.

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 2024-02-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account # XXXX XX/XX/2023 Social Security Number : XXXX Loan Amount : {$16000.00} It has come to my attention that negative items are being reported on my credit to XXXX, XXXX XXXX Equifax XXXX and XXXX XXXX without my consent. Per FCRA as a federally protected consumer I am now opting out any and all authorization, the consumer may have given you written, unwritten, verbal, and non verbal per 15USC6802.

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life.

I kindly request that all reporting violations be ceased immediately, and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account # XXXX XX/XX/2023 Social Security Number : XXXX Loan Amount : {$16000.00} It has come to my attention that negative items are being reported on my credit to Experian, XXXX XXXX XXXX XXXX and XXXX XXXX without my consent. Per FCRA as a federally protected consumer I am now opting out any and all authorization, the consumer may have given you written, unwritten, verbal, and non verbal per 15USC6802.

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life.

I kindly request that all reporting violations be ceased immediately, and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.

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 2024-02-19 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: FL

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 2024-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems has reportedly tried to collect debts that I have never owed. In investigation into the company needs to happen. 

I have no idea how XXXX allows this to happen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency 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 2024-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has reportedly tried to collect debts that I have never owed. In investigation into the company needs to happen. 

I have no idea how TRANSUNION allows this to happen

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 2024-02-19 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: CA

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. 

Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-02-19 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: CA

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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
MOHELA was required to transfer my repayment plan to save after the public health deferment ended. My account was initially in the save plan. I received documentation from MOHELA stating that my recertification of income would not be until 1 year after the public health emergency forbearance period ended which would put me around XXXX to XXXX of 2025. I contacted the servicer who initially put me in for forbearance for what was supposed to be 90 days why they were analyzing why they incorrectly serviced my alone. Instead they have now taken me out of forbearance and removed me from my income driven repayment plan that I was already enrolled in. They did not even send me an email regarding this. I only found out by logging into my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: AK

Complaint narrative:
XXXX XXXX Account # XXXX. 

XXXX XXXX is reporting XXXX accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My credit cards are my business. My credit cards are my private information. XXXX XXXX have reported my private information without my consent. XXXX XXXX actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Delete XXXX XXXX Account # XXXX.

Company response to consumer: Closed with non-monetary relief