vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 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: CA

Complaint narrative:
XXXX XXXX XXXX  fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2024-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
in accordance with the fair act credit reporting act XXXX account ending has violated my rights. 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 usc 1666b a creditor may not treat a late payment on a credit plan as late for any purpose. i was held accountable for a late payment on my credit i was charged a late fee and paid XXXX XXXX XXXX unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Greetings. Me and my business ( XXXX XXXX XXXX ) have received a lawsuit from American Express. What do you recommend I do? Do I try to ask to settle out of court, and do you represent me in situations like this? I am not sure exactly which account this lawsuit is coming from. I am having financial hardship, but am willing to work with the company. 

I attached the information and the XXXX XXXX XXXX XXXX number. They say I have XXXX  days to reply before a judgement is made automatically. I also have random law firms reaching out to assist once they saw the case filed. On average how much should I even pay for representation in a case like this, if you can not assist? Thanks. 

The amount is {$3300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: FL

Complaint narrative:
I was looking through my credit report this morning and noticed some unauthorized inquiries that I had never applied for. According to the Fair Credit Reporting Act, legally these unverified and unauthorized items must be removed. I contacted the credit bureaus and they refused to remove them.

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 2024-03-13 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: FL

Complaint narrative:
I was looking through my credit report this morning and noticed some unauthorized inquiries that I had never applied for. According to the Fair Credit Reporting Act, legally these unverified and unauthorized items must be removed. I contacted the credit bureaus and they refused to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: FL

Complaint narrative:
I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Remove the fraudulent accounts from my credit file within the required timeframe, as mandated by FCRA. This is a final warning : If the listed accounts are not blocked or removed, legal action will be taken, and my attorney is ready to ensure accountability for your noncompliance. DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX  Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}.

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 2024-03-13 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new

credit. I demand that you remove the inquiry immediately. 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 explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA XXXX XXXX XXXX as well as XXXX XXXX loan are all reporting as late payments each month even though accounts are charged off. 

This is resulting in credit to report most recent missed payments as XXXX  months ago. 

This is factually incorrect and a violation of FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX  XXXX Date Open : XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/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 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifax 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Between XX/XX/XXXX to XX/XX/XXXX, there were approximately 133 charges labeled as XXXX which were not transacted by me, nor authorized by me. I notified Chase when I realized this. The combined total of the transactions amounted to {$2400.00}. Chase reversed those transactions and credited my account as they investigated my claim for fraud. On XX/XX/XXXX, these charges were debited out of my account again and upon contacting Chase, was told there was not sufficient evidence of fraud. They told me that this was legitimately made through a digital wallet. I subsequently provided proof through my XXXX account as well as my digital wallet transactions to show that none of these charges showed up, nor did I use XXXX at any point during the period above. Chase continues to decline my claim without telling me what information they have obtained to determine that these transactions were valid. 

I've contacted XXXX and they told me that they couldn't find any rides associated with the phone number listed on the credit card pertaining to the " XXXX '' label which was XXXX. 

I have filed a police report and did some research online and found out that I was not the only one who fell victim to this " XXXX '' charge fraud. I found a website that indicated that the phone number above was a fraudulent number. Many people have complained about being charged as if it were XXXX, but it turned out to be a scam. I believe Chase should be investigating these charges with more diligence or provide me with more information that I can share with the police. They should be able to check the IP address of the phone used for these digital wallet transactions as well as the location of the charges that would help me further prove that these were not charges made by me. 

<Police report info> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
EVEN THOUGH EQUIFAX HAVE BEEN SUPPILED WITH IDENTITY THEFT PAPERWORK ACCOUNT XXXX XXXX XXXX THEY CONTINUE TO FURNISH THIS ACCOUNT! ALONG WITH TWO OTHER ACCOUNTS THATS REPORTING INACCURATE! XXXX XXXX XXXX REPORTING DEROGATORY WHEN ACCOUNT WAS PAID AND IT STATES PAID CHARGE OFF, PAYMENT HISTORY STATES LAST PAYMENT DATE BUT EQUIFAX REPORTS STATES PAYMENTS OK. XXXX XXXX  XXXX LOOK AGAIN AT LAST PAYMENT THEY LOOK AT PAYMENT HISTORY! DIRECT VIOLATION OF FCRA SECTION 602, ( 15 U.S.C.1681 ), ( 15 U.S.C. 1681 C-1 ), ( 15 U.S.C. 1681e ) ( 1681G-2 ) SECTION 623 ( a ) ( 2 ) ( a ) SECTION 623 ( A ) ( 1 ) ( C ) This is a direct violation of my rights And I'm fully prepared for litigation on this XXXX XXXX MATTER PRE ARBITRATION WILL BE IN THE MAIL FCRA 1681 G-2 CLEARLY STATES THE RULE THEY HAVE CONTNUED TO HARM MY REPUTATION, CREDIT WORTHINESS, BEEN FIGHTING XXXX YEARS ENOUGHT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: SC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit 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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Under FCRA 605B, I understand that we must remove any incorrect accounts from my credit report. Can you please examine the documents? I've noticed that some of the accounts listed are inaccurate, which is causing me some unease.

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 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
My name is XXXX XXXX on XX/XX/2024 I was contacted by a collection agency and again on XX/XX/2024 that didn't volunteer their identity the company was portfolio recovery associates on XX/XX/2024 they called again after I said contact me in writing, [ 15 USC1692g a ] Notice of debt contents, States within five days after the initial communication with a consumer in connection with collection of any debt sent the consumer a written notice, containing the amount of the debt the name of the creditor to whom the debt is owed, As of XX/XX/2024 I have yet to receive any notice of alleged debt from portfolio recovery associates that explains my rights to dispute any debt they may claim I owe. after not hearing from the company I sent them a cease and desist letter which is my right I am aware portfolio recovery associates is a repeat offender of FCRA and the FDCPA I am protecting myself from deceptive practices. 15 USC 1692g FDCPA has been violated by portfolio recovery associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
in XX/XX/XXXX I sent a Notice of Conditional Acceptance, Notice of Acceptance, Rescission, Opt to Cure, & Estoppel to Capital one in which they did not respond. As a result, they are in default, and have not honored the terms of the contract. All items were sent to the CEO & CFO of Capital One ( XXXX XXXX ) ; however, they have charged off the account in error and are still reporting to the Credit Bureau 's as well as. Below were the terms in which they did not honor. The amount is still showing on my credit report and they are still reporting monthly to all credit bureau 's. They have not removed the lien as well. 

No further payment is owed The outstanding debt has been discharged in full reducing the account balance to XXXX. 
Remove negative credit reporting you have reported to the crediting agencies You will mail me a lien release You are accepting this NOTICE as full accord and satisfaction You agree that for any attempt by you or your agent to repossess my Car with Account XXXX XXXXXXXX ( hereafter referred to as the Your Monthly Auto Statement )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm deeply dissatisfied with your continued reporting of a fraudulent account on my credit report, despite assurances from the bank and compliance with identity theft laws. This disregard for the law undermines consumer trust. Remove XXXX XXXX XXXX XXXX FRAUD from my report promptly. I expect a swift response detailing the actions taken to rectify this issue.

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 2024-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Federal law mandates a response within 15 days, which you've failed to meet, putting you in violation. Ignoring this warning could lead to fines of up to {$1000.00}. I trust that upon receiving this notice, you'll promptly comply with my demands. I'm not inclined to take punitive action, but I'll do what's necessary for full compliance. 
Send me the detailed procedures for investigating : XXXX XXXX XXXX XXXXXXXX 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