vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 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:
Subject : **Complaint Regarding FCRA Violations Unauthorized Reporting of Negative Items** Dear CFPB, I am writing to file a formal complaint regarding ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX, EQUIFAX, XXXX For over [ 4/5 ] years, I have been disputing the following negative items inaccurately reported on my consumer report : Account Name/Number 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 XXXXXX/XX/XXXX These negative items were reported without proper verification or notice, which constitutes a clear violation of my rights under the FCRA. Specifically : 1. **Failure to Provide Notice** : The creditor failed to provide me with the required notice of adverse action as mandated by Section 615 ( a ) of the FCRA before reporting negative information to the credit bureaus.

2. **Lack of Proper Investigation** : Despite my repeated disputes over the past several years, the credit reporting agency has not conducted a proper investigation or corrected the inaccurate information, violating Section 611 ( a ) of the FCRA.

3. **Privacy Violation** : My privacy rights were violated as my personal information was shared without my explicit consent, contrary to Section 604 of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: NY

Complaint narrative:
PLEASE REMOVE THIS FRAUDULENT ADDRESS AND ACCOUNTS THAT WERE OPENED UP IN MY NAME FROM MY CREDIT REPORTS. THERE WAS ALSO BANK ACCOUNTS THAT WERE OPENED IN MY NAME WITHOUT MY CONSENT USED TO MAKE PAYMENTS TO THESE ACCOUNTS OVER A HISTORY OF TIME. PLEASE REMOVE. I ATTACHED AN FTC REPORT ALONG WITH THIS COMPLAINT.

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 2024-08-11 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: DISCOVER BANK
State: NY

Complaint narrative:
PLEASE REMOVE THIS FRAUDULENT ADDRESS AND ACCOUNTS THAT WERE OPENED UP IN MY NAME FROM MY CREDIT REPORTS. THERE WAS ALSO BANK ACCOUNTS THAT WERE OPENED IN MY NAME WITHOUT MY CONSENT USED TO MAKE PAYMENTS TO THESE ACCOUNTS OVER A HISTORY OF TIME. PLEASE REMOVE. I ATTACHED AN FTC REPORT ALONG WITH THIS COMPLAINT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: CA

Complaint narrative:
reviewed my consumer reports and noticed I have payments on an account I was never late for. The consumer reporting agencies have assumed a vital role and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on payments Please investigate and provide proof with statements showing that these payments were late. if proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. 
According to the law 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 These late payment reporting to my credit is effecting me in a negative way Im not able to get approved my house loan please investigate and update this as soon as possible.

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 2024-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to file a complaint regarding a credit card application denial by American Express that I believe may involve discriminatory practices and a lack of equal consideration. 

On XX/XX/year>, I applied for the Blue Cash Everyday card from American Express. My application was denied, and I received an adverse action letter citing my XXXX score ( XXXX ) as the primary reason for the denial. 

I believe this denial may be discriminatory for the following reasons : 1. Religious Discrimination : As a XXXX, I operate with the belief of conducting business honorably and in good faith. I believe this religious principle may have been used against me in the credit decision process.

2. Lack of Equal Consideration : The adverse action letter does not provide sufficient information about how my application was evaluated beyond the XXXX score. I believe my entire financial profile and my commitment to honorable dealings were not given proper consideration. 

3. Potential Violation of the Equal Credit Opportunity Act ( ECOA ) : The ECOA prohibits discrimination in credit transactions based on religion, among other factors. I believe my application may not have been evaluated fairly and in compliance with this act.

4. Misleading Advertising : The credit card was advertised with certain terms, but the denial seems to contradict the implied accessibility of the product based on those advertised terms.

5. Lack of Transparency : The adverse action letter does not provide a clear explanation of how my religious beliefs and principles of honorable dealings were factored into the decision-making process. 

I request a thorough investigation into American Express 's credit application evaluation process to ensure compliance with anti-discrimination laws, particularly regarding religious beliefs and practices. 

Additionally, I ask for a review of American Express 's advertising practices to ensure they are not misleading consumers about the accessibility of their credit products. 

I appreciate your attention to this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have hard inquiries on my XXXX credit report that I didnt Authorize and they need to be remove. And my old XXXX XXXX account was closed due to be hack and identity theft. I never missed a payment but it say I miss XXXX payment and the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/year> I received a number of flight confirmation emails from JetBlue about flights originating in XXXX XXXX to various places on the east coast. The flights were in my name, confirmations sent to my email address, using the information I had saved on JetBlues website. I did not book these flights. 
I IMMEDIATELY canceled all of the flights and changed my JetBlue password. I also placed a credit freeze on XXXX, XXXX, and XXXX. 
I found that the flights werent even booked on my credit card and after some digging saw that it was a Barclays Bank Delaware card that was opened in my name. ( I received an email that I had opened an account with them XXXX hours after I had already reported it to them and closed the account. ) I immediately called Barclays, relayed that it was fraud and they closed the account and opened an investigation. At that time they had told me there were no charges yet on the card. 
I reported the identity theft with the Federal Trade Commission. 
This credit card is not even listed on any of my credit reports. All three reporting agencies believe this is because of the speed with which I caught the fraud and canceled the account. The only mention of it is a regular inquiry through XXXX from Barclays on XX/XX/XXXX, when the fraudulent account was opened. 
Barclays Bank Delaware has denied that it is fraud on the basis of the flights being booked in my name. I appealed with a letter and a copy of my FTC report. 
To be clear, there is no phone number nor email to speak with anyone in the fraud investigations at Barclays. There is only a fax number and po box . 
I now have to pay the card balance totaling {$2000.00}, which I did not spend or my XXXXredit score will fall. 
This was fraud and identity theft. My California DMV account was also hacked. 
I am reporting Barclays Bank Delaware for XXXX ) terrible consumer services, XXXX ) allowing someone else to open a credit card in my name, XXXX ) not notifying me of the opening of the credit card for many hours, XXXX ) ignoring the fact that I took every correct action immediately and are still requiring me to pay them, and XXXX ) not making any conversation over the phone or email available. This all should be illegal of Barclays Bank Delaware.

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 2024-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK
State: FL

Complaint narrative:
Requested to apply for FHA Payment Supplement Loss Mitigation Option ( The provisions of this ML may be implemented starting XXXX XXXX and must be implemented no later than XXXX XXXX ). I was advised there is no program to apply for.

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have hard inquiries on my XXXX credit report that I didnt Authorize and they need to be remove. And my old XXXXXXXX XXXX account was closed due to be hack and identity theft. I never missed a payment but it say I miss XXXX  payment and the account is closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
PLEASE REMOVE THIS FRAUDULENT ADDRESS AND ACCOUNTS THAT WERE OPENED UP IN MY NAME FROM MY CREDIT REPORTS. THERE WAS ALSO BANK ACCOUNTS THAT WERE OPENED IN MY NAME WITHOUT MY CONSENT USED TO MAKE PAYMENTS TO THESE ACCOUNTS OVER A HISTORY OF TIME. PLEASE REMOVE. I ATTACHED AN FTC REPORT ALONG WITH THIS COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: MI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # credit collection {$330.00} Account name : # XXXX XXXX XXXX {$790.00}, Account name : # XXXX  XXXX XXXX {$480.00} Account name : # XXXX XXXX {$1400.00} has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Navy Federal Credit union. 

I have a checking account with them, I deposited a check that was endorsed to me and signed by XXXX XXXX in XXXXXXXX XXXX XXXX. The check cleared and the funds are in the checking account. The funds are still not being made available after all this time. The bank requested verification documents from me, I sent in my ID and that was fine, I am unable to get a hold of the XXXX XXXX. The check was put into my account by them though and none of this was said before they did this. I get regular emails stating my account balance with them is {$7700.00} and I am being paid interest on this balance. The time the bank should be able to hold these funds has expired and they refuse to do so. I asked about closing my account getting the account balance they said that was impossible as well. I want the bank to release my money since enough time has passed. I have also illegitimately been denied access to my funds this entire time by this illegitimate unfounded concern. 

I would like the bank to unfreeze my checking account so I can access the funds in it that I'm collecting interest on, and possibly be compensated for being denied access to my funds all this time period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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:
Recently, I have submitted ( 6 ) reports on this inaccurate and incomplete item on my consumer report. 15 U.S.C. 6802 a financial institution may not, directly or through any affiliated, disclose to a non affiliated third party any non public personal information, unless such financial institution provides or has provided to the consumer a notice that complies. Not only has this disclosure agreement give my legal information but my personal information as well. By law you obligated to investigate these inaccuracies and incomplete accounts. 15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer report containing any of the following items of information inaccurate or incomplete. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer if the person has reasonable cause to believe that the is incomplete or inaccurate. Please remove this item immediately! 


XXXX XXXX ( account number ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Recently, I have submitted ( 6 ) reports on this inaccurate and incomplete item on my consumer report. 15 U.S.C. 6802 a financial institution may not, directly or through any affiliated, disclose to a non affiliated third party any non public personal information, unless such financial institution provides or has provided to the consumer a notice that complies. Not only has this disclosure agreement give my legal information but my personal information as well. By law you obligated to investigate these inaccuracies and incomplete accounts. 15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer report containing any of the following items of information inaccurate or incomplete. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer if the person has reasonable cause to believe that the is incomplete or inaccurate. Please remove this item immediately! 


XXXX XXXX  ( account number ) 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 2024-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I recently submitted a complaint for portfolio recovery in regards to suing me without serving me or communicating with me about this legal matter. They violated the XXXX  order in place for them. Portfolio recovery updated their account to closed in XXXX, however they didnt delete it off my report still leaving a negative mark. In addition, they did not update my XXXX report. Termination of collection authority prior to payment of the debt requires, under the instructions in the CRA reporting manual, that the debt collector also delete their reported collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: MI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # credit collection {$330.00} Account name : # XXXX XXXX XXXX {$790.00}, Account name : # XXXX XXXXXXXX XXXX {$480.00} Account name : # XXXX XXXX {$1400.00} has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-11 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # credit collection {$330.00} Account name : # XXXX XXXX XXXX {$790.00}, Account name : # XXXX XXXXXXXX XXXX {$480.00} Account name : # XXXX XXXX {$1400.00} has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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 explanation