vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please remove the attached personal information and inquiries from my credit report as it is affecting me and my family.

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 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Credit Card '' 15 USC 1602 ( I ) The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

( There is no limitation to the term any. Any means all. This is why a social security card is technically a credit card because it is always used to obtain property, money, labor, and credit. ) Each violation of Title 15 of the United States Code is {$1000.00}. 


I, the consumer and natural person, was denied credit by Bank of America, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, & XXXX when I applied for a insert whatever you applied for. 
According to the Equal Credit Opportunity Act adverse action against a consumer is against the law which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. 
Due to the response I received by Bank of America, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, & XXXX you are subject to criminal liability for violating 15 USC as I have proof that I was discriminated against due to the response I received. 
Bank of America, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, & XXXX is in violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number which according to 15 USC 1602 ( 1 ) is defined as a credit card was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Company Name. 
If Bank of America, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, & XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit credit card I will indeed make Bank of America, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, & XXXX criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. 
I will also follow up with an invoice for said violations ( {$1000.00} per 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 explanation
Consumer complaint received 2024-09-28 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:
I have been disputing this account on my Experian credit report since XXXX. 
Experian has repeatedly stated that this account has been verified as accurate. 
However, they failed to provide documentation detailing verifying this account. 
I believe that I have the right to know who is using my personal information and how this verification process was conducted. 
Therefore, I kindly request that Experian provide me with the documentation used to verify this account. 
Thank you for your prompt 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 2024-09-27 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:
There are items on my credit report that have resulted from fraud to which I never benefitted from. I have reported them to the federal trade commission but they are not removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: FL

Complaint narrative:
I am writing to file a complaint against Self Financial Inc. regarding an unknown debt that has been negatively impacting my credit report. Despite multiple requests for debt validation, the creditor has failed to provide any documentation supporting the claim. 

The presence of this unverified debt on my credit report has severely hindered my ability to obtain credit. I have been unable to secure loans for essential needs such as housing, education, or medical expenses. Furthermore, the negative reporting has negatively affected my living arrangements and overall financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: NH

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.

These two accounts below has smaller amts that were reported without my consent to report as being late. The sub accounts are as follows with totals and times late. 

Accounts # XXXX Accounts # XXXX $ XXXX 5 days late {$10000.00} - 2 days late $ XXXX 5 days late $ XXXX 2 days late 15 USC 1681 Section 602 A. States that I have the right to privacy.

15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section sates : no consumer reporting agency may make any 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency

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 2024-09-27 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-27 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:
Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agenvy prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) 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. 

Please remove the following items from my credit report, immediately : Accounts XXXX. XXXX XXXX XXXX XXXX : XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX. XXXX XXXX XXXX : XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX. XXXX  XXXX XXXX  : XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX. XXXX XXXX XXXX  : XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX. XXXX XXXX XXXX XXXX this account is being reported inaccurately, please remove this from my credit report 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 non-monetary relief
Consumer complaint received 2024-09-27 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:
Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agenvy prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) 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. 

Please remove the following items from my credit report, immediately : Accounts XXXX. XXXX XXXX XXXX XXXX  : XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX. XXXX XXXX XXXX : XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXXXXXX XXXX XXXX XXXX : XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX. XXXX XXXX # : XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXXXXXX XXXX XXXX  : XXXX this account is being reported inaccurately, please remove this from my credit report 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 non-monetary relief
Consumer complaint received 2024-09-27 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
While booking a Southwest Airline Flight, I been preapproved for a Southwest Rapid Rewards Credit Card. I applied and been approved. The advertisement communicated if you are approved then you can use the card and receive XXXX $ off of purchase of XXXX $ or more. I received a confirmation email stating I will receive the card in XXXX to XXXX business days. At this time it has been XXXX business days and I have not received the card. 

I have called Southwest Airlines communicating I been accepted and wanted the XXXX $ discount for getting approved. They told me they could not grant me the discount, that I would have to call Chase Bank. I contacted Chase Bank and they said I have been approved of the card but can not use it. They can not provide information for me to use it so I may make the purchase, as stated in the advertisement, to obtain the discount. 

I have saved my flight, but did not purchase as I am waiting for the credit card. However, now, the flights have sky rocketed in price. 

I need the discount as stated in the advertisement asap and need the credit card asap, as its not received!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: AL

Complaint narrative:
under 15usc1681 of the far I am promised a100 % accuracy on my credit report .Theyi have disputed this account several times and the verified it as accurate which is incorrect .Is different dates different balances different amounts reporting on all the credit bursars. Have never did business with this company. I asked for a purchase agreement and all got was verified as accurate. I am aware of litigation rights and I will be ppersuing legal obligation. of a fine of {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: AL

Complaint narrative:
under 15usc1681 of the far I am promised a100 % accuracy on my credit report .Theyi have disputed this account several times and the verified it as accurate which is incorrect .Is different dates different balances different amounts reporting on all the credit bursars. Have never did business with this company. I asked for a purchase agreement and all got was verified as accurate. I am aware of litigation rights and I will be ppersuing legal obligation. of a fine of {$1000.00} per 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 explanation
Consumer complaint received 2024-09-27 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: GA

Complaint narrative:
I have disputed XXXX XXXX regarding them reporting repeated charges- off on my credit report and they have replied stating that they sold the account to XXXX XXXX XXXX and by the FCRA they are not in the wrong by reporting the repeated charge-off each month and they will not change anything. 

To my understanding, according to the FCRA, these laws should be applied to this company as well as the credit bureaus that are reporting this inaccurate information Key Legal Citations in This Dispute Letter : 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Requires furnishers of credit information to report accurate information.

15 U.S.C. 1681e ( b ) : Mandates credit reporting agencies ensure maximum possible accuracy.

15 U.S.C. 1681c : Limits the duration that negative information can remain on a credit report ( 7 years for most items ).

15 U.S.C. 1681i : Requires credit reporting agencies to investigate disputes and correct inaccuracies.

15 U.S.C. 1681n : Allows for statutory damages if the FCRA is willfully violated.

26 U.S.C. 6050P : Governs the reporting of debt cancellations to the IRS.

15 U.S.C. 6802 : Protects the privacy of consumer financial information and governs its sharing with third parties.

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 2024-09-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed XXXX XXXX regarding them reporting repeated charges- off on my credit report and they have replied stating that they sold the account to XXXX XXXX XXXX and by the FCRA they are not in the wrong by reporting the repeated charge-off each month and they will not change anything. 

To my understanding, according to the FCRA, these laws should be applied to this company as well as the credit bureaus that are reporting this inaccurate information Key Legal Citations in This Dispute Letter : 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Requires furnishers of credit information to report accurate information.

15 U.S.C. 1681e ( b ) : Mandates credit reporting agencies ensure maximum possible accuracy.

15 U.S.C. 1681c : Limits the duration that negative information can remain on a credit report ( 7 years for most items ).

15 U.S.C. 1681i : Requires credit reporting agencies to investigate disputes and correct inaccuracies.

15 U.S.C. 1681n : Allows for statutory damages if the FCRA is willfully violated.

26 U.S.C. 6050P : Governs the reporting of debt cancellations to the IRS.

15 U.S.C. 6802 : Protects the privacy of consumer financial information and governs its sharing with third parties.

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 2024-09-27 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: 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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 informationisinaccurate.

Please remove these Inquiries from my credit report. 
These inquiriesarelisted : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
Someone tried to use my credit without my permission. Now there are inquiries on my credit that I didn't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: MD

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief