vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 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: NC

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Inaccuracies on Credit Reports Regarding XXXX XXXX  To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit reports concerning an account with XXXX XXXX  XXXX The information reported by Experian, XXXX, and XXXX reflects inconsistencies and misrepresentations that are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Specifically, my concerns are as follows : Misrepresentation of the Credit Limit : My credit report lists a credit limit of {$6900.00} for the XXXX XXXX  account. However, this account has been charged off and is no longer active. Listing a credit limit on a charged-off account constitutes a misrepresentation, as I am unable to utilize this credit line. 
Misleading Available Credit : XXXX inaccurately reports that I have an available credit balance of - {$2300.00}. This figure is misleading and mathematically incorrect, creating confusion regarding the true status of this account. 
The reporting of a charged-off account with an active credit limit and misleading available credit figures violates my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits the use of false, misleading, or deceptive representations in connection with the collection of any debt. 

The credit reporting agencies ' failure to ensure the accuracy of the information provided to them by XXXX XXXX and their subsequent misrepresentation of this account also violates 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 

Requested Resolution : I demand that the Consumer Financial Protection Bureau intervene to : Investigate the inaccuracies regarding the XXXX XXXX  account across all three credit reporting agencies. 
XXXX Experian, XXXX, and XXXX to correct or remove all misrepresentations related to this account, including the reported credit limit and available credit. 
Provide me with confirmation of the corrections or deletions made to my credit reports. 
I have enclosed copies of my credit reports highlighting the disputed information, as well as supporting documents demonstrating the misrepresentation. 

Please take immediate action to address these violations of my consumer rights. I look forward to your response within the 30-day timeframe mandated under the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Leave me quheld me quite a bit of money and we're XXXX  XXXXXXXX XXXX XXXXXXXX dodging me on paying back the money.So I reached out to consumer protection girl

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 2024-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: CLGF Holdco 1, LLC
State: OK

Complaint narrative:
I disputed charges with all 3 credit companies and submitted my proof of identity theft Report from the IRS to these companies i was advised my disputes would take 30 -45 days to be resolved and removed its been 6 months now and I'm receiving calls from these collections agencies stating that I owe them money for a credit card I closed out months prior I told them to send me proof of an existing contract that I had with them i asked were they apart the credit card company i made the contract with the said no we are a collections agencies trying to settle my debt with my old credit card company i ask were they on united state soil they said no so I advised them of my status of my citizenship and told them that this fraud for them to try and collect a debt from me I also advised them that the credit card company that sold or gave them my information without my consent is in breach of our contract for selling my in formation just committed fraud Companies involved XXXX, MILESTONE, XXXX XXXX all breach my personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I opened a Citizens Bank Clearly Better Business Checking account on XXXX XXXX XXXX and deposited {$100.00} in cash on that same day in XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. On or about XXXX XXXX XXXX I lost access to my online banking account, and my debit card was disabled. I contacted the customer support on the same day and was only told there was an investigation related to my account for whatever unknown reason. I was only assured that that matter should be resolved within 10 business days and funds would be released by then. As of today, XXXX XXXX XXXX, I have not had my funds returned as previously promised. Nor was there any communication whatsoever about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: MI

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. The remarks have been detrimental to my life and credit health.

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 2024-11-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hi Capital One, I was notified by the credit bureaus that there was a checking account ending in XXXX and a XXXX XXXX XXXX XXXX XXXXXXXX that was created recently. I did not create or apply for any of Capital One 's accounts. This is identity theft. Please investigate and close all accounts with any balances as they are NOT mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I disputed a charge of {$1200.00} from XXXX, who were charging me for damage to one of their cars, a car for which I purchased the rental insurance and paid something like {$13.00} per day for nearly 6 months straight. I received a temporary credit when I disputed the charge a while back ; and, when I checked my bank account earlier today, to my outrage, the dispute credit was reversed ( meaning my bank sided with XXXX on this issue ). I. Want. My. Money. Back. I did not pay almost {$2500.00} over 5+ months of renting this car for the added rental car protection to have them charge me for incidentals that are meant to be covered by it. I am a student, and I need this money to pay for tuition and other expenses. It is my money, and I worked hard for it. I do not have a lot of financial freedom, and I am struggling enough to make it here in the XXXX XXXX area as it is without huge companies like Capital One and XXXX taking advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a Chase freedom unlimited credit card ending in XXXX. I opened the account in XX/XX/. It was brought to my attention that Chase unilaterally closed my account. 
Chase did not make any attempts to resolve any problems with me beforehand. I never had a 30 day late payment. I have always paid on time as agreed. I never added any authorized users. This is not a joint account. My account is not associated with fraud. I never did anything illegal with my credit card ( e.g. ; online gambling ), I never submitted a Reg E claim, I never left the country or my state. I never let anyone use my credit card, I never reported my card lost or stolen. I used the card for a one-time balance transfer and paid as agreed. There is no reason for my account to be closed. Because Chase closed my credit card account due to no fault of my own, it negatively impacted my credit score by increasing my credit utilization ratio. In addition, Chase never sent me an adverse action notice as required by federal law. I seek to hold Chase accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: AL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX  {$510.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-23 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: PA

Complaint narrative:
I recently reviewed my credit report and I noticed that my consumer privacy rights were violated. In accordance with the Fair Credit Reporting Act the list of accounts below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602a. 

XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 604 A section 2 it also states : a consumer reporting agency can not furnish an account without my writing instructions. Under 15 USC 1666b as it states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Please be advised that I did not give consent for any agency to report on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: PA

Complaint narrative:
I recently reviewed my credit report and I noticed that my consumer privacy rights were violated. In accordance with the Fair Credit Reporting Act the list of accounts below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602a. 

XXXX XXXX XXXX 15 U.S.C 1681 section 604 A section 2 it also states : a consumer reporting agency can not furnish an account without my writing instructions. Under 15 USC 1666b as it states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Please be advised that I did not give consent for any agency to report on my consumer report.

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 2024-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 2024-11-24 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: MS

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 2024-11-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc.
State: NY

Complaint narrative:
I got a loan with American First Finance in XXXX XXXX  worth XXXX dollars taking the 100-day early payment payment, paying XXXX weeks with automatic charges. Today XXXX I just received an email saying that my 100-day payments end on XXXX and that I still have a balance of $ XXXX  to pay if I do not comply with the contract, I will go to the 12-month program paying the same XXXX  my debt will rise to a total of XXXX  dollars. I have already paid 16 installments with a total of XXXX  I am missing XXXX  dollars to fulfill the lease, I would be missing one * installments + XXXX  And they say it is $XXXX  THIS IS AN ABUSE THAT THESE FINANCIAL INSTITUTIONS ARE DOING. 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear XXXX, Equifax, XXXX, XXXX, Tenant Screening This letter serves as a final demand regarding your failure to remove inaccurate records from your screening reports. Despite previous assurances that these records would be deleted, they continue to appear when companies conduct screenings. This constitutes willful misrepresentation and a violation of federal law, including the Fair Credit Reporting Act ( FCRA ). 

Your failure to resolve this matter has already prompted me to escalate my complaint beyond the Consumer Financial Protection Bureau ( CFPB ) to organizations such as the Federal Trade Commission ( FTC ) and legal authorities specializing in consumer protection violations. I am also preparing to involve legal counsel to hold you fully accountable for the ongoing harm caused by your inaction. 

I demand the following actions immediately : 1. Full removal of all inaccurate or negative records associated with my file. Cases to Be Expunged ( Case Numbers ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL OF THESE ARE DISMISSED I DONT OWE ANY COMPANY REMOVE IMMEDIATELY. 
2. Written confirmation that these records have been permanently deleted. 
3. An official acknowledgment that I am opted out of any and all negative reporting. 

Should you fail to comply with this demand, I will proceed with further action, including litigation and reporting to additional federal authorities. This is your final opportunity to resolve this issue without significant legal consequences. 

I expect immediate confirmation of these corrections. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear XXXX, XXXX, Experian, XXXX, Tenant Screening This letter serves as a final demand regarding your failure to remove inaccurate records from your screening reports. Despite previous assurances that these records would be deleted, they continue to appear when companies conduct screenings. This constitutes willful misrepresentation and a violation of federal law, including the Fair Credit Reporting Act ( FCRA ). 

Your failure to resolve this matter has already prompted me to escalate my complaint beyond the Consumer Financial Protection Bureau ( CFPB ) to organizations such as the Federal Trade Commission ( FTC ) and legal authorities specializing in consumer protection violations. I am also preparing to involve legal counsel to hold you fully accountable for the ongoing harm caused by your inaction. 

I demand the following actions immediately : 1. Full removal of all inaccurate or negative records associated with my file. Cases to Be Expunged ( Case Numbers ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL OF THESE ARE DISMISSED I DONT OWE ANY COMPANY REMOVE IMMEDIATELY. 
2. Written confirmation that these records have been permanently deleted. 
3. An official acknowledgment that I am opted out of any and all negative reporting. 

Should you fail to comply with this demand, I will proceed with further action, including litigation and reporting to additional federal authorities. This is your final opportunity to resolve this issue without significant legal consequences. 

I expect immediate confirmation of these corrections. 

Sincerely, 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 explanation