vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to dispute an account on my credit report, which I have contested four times without receiving sufficient information. The details of the dispute are as follows : Account Details : Disputed Amount : : {$460.00} Account Open Date : XX/XX/year> Issues : Amount Discrepancy : I do not agree with the amount listed for this account. 
Incorrect Open Date : The date listed as the account open date is inaccurate. 
Request : Under 15 USC 1692g and 15 USC 1681s-2, I am requesting that you provide : The last billing statement from the original creditor, including the amount due and the date it was due. 
If you can not provide this information, I request that this account be deleted from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
According to 15 USC 6801, 6802, 6803, 6804 privacy of nonpublic information. This information MAY NOT be disclosed, since the " account '' numbers of these said accounts, my SOCIAL SECURITY NUMBER these do not fall under the nonpublic information. If my social was not release to these debt buyers, then how do they report on my credit reports? I did not have a signed contract with these debt buyers and they have no right BY LAW to my " account '' number NOR are they suppose to have access to MY NONPUBLIC SOCIAL SECUIRTY number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2022 the company ( Equifax ) responded to my complaint regarding the Bankruptcy not reporting on my credit report. I've attached a document from my Equifax online account showing the Bankruptcy on my credit report. I also found that the disputing company is XXXX XXXX, I will also attach the letter I received from XXXX XXXX removing the incorrect Bankruptcy from my consumer report. Please remove this bankruptcy. I am seeking a {$1000.00} USD fee for failing to remove this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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

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 2024-08-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
According to 15 USC 6801, 6802, 6803, 6804 privacy of nonpublic information. This information MAY NOT be disclosed, since the " account '' numbers of these said accounts, my SOCIAL SECURITY NUMBER these do not fall under the nonpublic information. If my social was not release to these debt buyers, then how do they report on my credit reports? I did not have a signed contract with these debt buyers and they have no right BY LAW to my " account '' number NOR are they suppose to have access to MY NONPUBLIC SOCIAL SECUIRTY number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XX/XX/year> customer service will not allow customer account of application due from customer being bank liability XXXX XXXX term XXXX XXXX  from XXXX and sole owner to XXXX ( flying saucer ) that is an extension of customer 's limb of XXXX. Bank needs to balance ledger correctly as customer 's legal name is registered of XXXX XXXX. Customer 's bank asset legal name was changed in company application database by union military charging customer as federation military when customer is of a state with a english birth-given name that has a mandated rule applied to legal name the customer service of application broke.

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 2024-08-18 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: PA

Complaint narrative:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts identified in my report below are in violation and are not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

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

I am requesting for the original copy of the assignment contract to show full ownership of account. Failure to comply will forfeit your claims and will require you to delete all the list of items above. 

You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX requested a Debt Validation letter from Capital One ( partial account # XXXX ), in XXXX of XXXX -I received an Account Statement, which is insufficient to validate a debt -I told Capital One to Cease and Desist all Contact and Communications, as it pertains to this alleged Debt -This account was Charged Off, and Closed by XXXX of XXXX, and has continually Communicated and reported negative to all of the Credit Bureaus and Agencies -This is a direct violation of 15 USC 1692c ; their illegal actions have caused me great hardships and unnecessary struggles

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I had identify theft where someone used my credit card and created fraudulent charges. The merchant solar reviews supplied information clearly showing that another individual made the fraudulent transactions with their name, phone number, and e-mail address. American Express refuses to issue credit and rebilled my account for fraudulent charges. I B ] refuse to pay these charges and American Express is highly incompetent and unethical they are damaging my credit report on a monthly basis. I have filed identity theft reports with the police, FTC, all ( 3 ) credit bureaus. I am also in the process of filing a civil lawsuit against American Express. I demand they correct all the negative reporting to all ( 3 ) credit bureaus and credit my accounts ( 2 ) in full!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: NJ

Complaint narrative:
in accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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.

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 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/24, I applied for a credit card account at Alliant and they illegally discriminated against and denied me, effectively breaching their fiduciary duty to act in my best interest. My credit score was XXXX, and is now a XXXX. 

They are also violating multiple TILA and USC guidelines : 15 USC 1611 15 USC 1602 15 USC 1691e 12 USC 1431 Request for Documentation : Additionally, I request documentation of all books of account, both private and public, to demonstrate who received the benefit of the inquiry into my credit report. The inquiry from thier institution signals that a transaction has been completed on my credit account, from which I did not receive any benefit. 

I am entitled to clarity on who benefited from the inquiry on my consumer report from your institution, and peacefully demand that I receive all portions of that benefit due to me I also request a listing of all factors that were involved in this consumer transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: AZ

Complaint narrative:
JPMCB card XX/XX/XXXX. 
JPMCB card XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
CLARITY/CREDIT NINJA FMS XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: DE

Complaint narrative:
Hi my name is XXXX XXXX XXXX and I am distraught and personally writing this message myself to address these unauthorized inquires on my consumer report. There are hard inquiries that are listed on my account that I did not consent or approve. These accounts are hurting my Profile. I have asked TransUnion to remove them and they do not respect my wishes. They place me on phone hold and never return. I am very depressed and need HELP. I need help with these inquiries removed and blocked and I ask that my credit consumer report DO NOT GET FROZE. No fraud alert or freeze please! Thank you.

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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX is not reporting correctly. This is on a payroll deduction which means it is automatically paid. They are not reporting it correctly the payment amount is not correct nor is the payment history they are showing no payments for XXXX. Experian is violating 42 U.S.C. Section 666 I Only after such parent has been afforded all due process required under state law, including notice and a reasonable opportunity to contest the accuracy of such information. This is having an effect on my credit as not reporting consistent payments, please see attached pay statement which shows payroll deduction which proves payments are made consistently.

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 2024-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing a formal complaint against TRANSUNION for specific violations of my rights under the Fair Credit Report Act 623 A3, AC, and the Fair Debt Collection Practice Act 807 ( 8 ). 

These violations include the Failure to correctly enter a notice of dispute onto a consumer 's credit profile within 30 days of receiving I am filing a formal complaint against TransUnion for clear violations of my rights under the Fair Credit Reporting Act 623 A3, AC, and the Fair Debt Collection Practices Act 807 ( 8 ). 

In XX/XX/2024, I reviewed a consumer credit profile published by TransUnion and noticed several errors. I immediately disputed the errors directly with TransUnion, expecting that the published information would be promptly investigated and corrected. 

Specific errors : XXXX XXXX XXXX- XXXX  days Late XXXX XXXX XXXX- Inaccurate information I reviewed my credit profile again in XXXX and found the errors remained, with no indication or notice that the items were under dispute. 
This is in clear violation of Fair Credit Report Act 623 A3, AC, and the Fair Debt Collection Practice Act 807 ( 8 ).

Attached you will find : 1. A copy of my dispute letter to TransUnion with XXXX certification receipt. 
XXXX. XXXX Tracking information.

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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: FL

Complaint narrative:
I attempted to obtain my credit report after XXXX reported that they used information from Lexis Nexis to increase my rate. The LexiNexis site made it impossible to obtain my credit report. It repeatedly failed, and provided no actionable way to overcome the failure.

Essentially, LexisNexis is making it difficult to obtain credit reports. Ensuring that consumers don't have an opportunity to challenge or correct derogatory information that may be used against them.

Other credit reporting agencies, make the process almost painless. I believe that the practices used by LexisNexis are substantially in violation of the FCRA. The practices are similar to those used by XXXXXXXX XXXX and other scammers, that make it extremely difficult to cancel. In this case LexisNexis, makes it difficult to obtain reports. 

This is an unfair business practice, that adversely impacts consumers. It deserves attention, up to and including fines and the dissolution of Lexis Nexus. 

It should be further investigated whether insurance companies that use Lexis Nexis have any culpability, because they knew or should have known about violations at LexisNexis, yet continued using them as a data source.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: NJ

Complaint narrative:
I am filing this formal complaint against Equifax for multiple, willful violations of the Fair Credit Reporting Act ( FCRA ) in handling my identity theft case. Despite my attempts to resolve this matter directly with Equifax, they have consistently failed to meet their legal obligations, causing significant harm to my credit standing, financial stability, and emotional well-being. 

Complaint Details : On XX/XX/2024, I received an inadequate response from Equifax regarding my identity theft dispute. Their response demonstrated a fundamental misunderstanding or deliberate disregard of their FCRA obligations. The core issue is not the factual nature of a credit inquiry, but its fraudulent origin due to identity theft. 

Equifax has violated the following FCRA sections : 1. Section 605B ( 15 U.S.C. 1681c-2 ) : Equifax failed to block the reporting of information I identified as resulting from identity theft within the mandated four business days of receiving my identity theft report.

2. Section 615 ( f ) ( 1 ) : Equifax neglected to follow proper procedures for consumer disputes related to identity theft. Their cursory " investigation '' falls far short of the " reasonable procedures '' required by law to determine the accuracy of disputed information.

3. Section 623 : As an information furnisher, Equifax failed to conduct a proper investigation of the disputed information and to report the results to all nationwide consumer reporting agencies, as required when information is found to be inaccurate or incomplete.

These violations have resulted in : - Exposure of my private information - Failure to protect my identity from fraudulent use - Direct harm to my mental health, financial stability, and credit standing Actions Requested : I formally request that the CFPB require Equifax to : 1. Block ALL information I have identified as related to identity theft.

2. Conduct a THOROUGH reinvestigation of ALL disputed information.

3. Provide a DETAILED written report of their reinvestigation results within 5 business days.

4. REMOVE any information found to be inaccurate, incomplete, or unverifiable.

5. NOTIFY all nationwide consumer reporting agencies of any corrections made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: NJ

Complaint narrative:
I am filing this formal complaint against Equifax for multiple, willful violations of the Fair Credit Reporting Act ( FCRA ) in handling my identity theft case. Despite my attempts to resolve this matter directly with Equifax, they have consistently failed to meet their legal obligations, causing significant harm to my credit standing, financial stability, and emotional well-being. 

Complaint Details : On XX/XX/year>, I received an inadequate response from Equifax regarding my identity theft dispute. Their response demonstrated a fundamental misunderstanding or deliberate disregard of their FCRA obligations. The core issue is not the factual nature of a credit inquiry, but its fraudulent origin due to identity theft. 

Equifax has violated the following FCRA sections : XXXX. Section 605B ( 15 U.S.C. 1681c-2 ) : Equifax failed to block the reporting of information I identified as resulting from identity theft within the mandated four business days of receiving my identity theft report.

2. Section 615 ( f ) ( 1 ) : Equifax neglected to follow proper procedures for consumer disputes related to identity theft. Their cursory " investigation '' falls far short of the " reasonable procedures '' required by law to determine the accuracy of disputed information. 

XXXX. Section 623 : As an information furnisher, Equifax failed to conduct a proper investigation of the disputed information and to report the results to all nationwide consumer reporting agencies, as required when information is found to be inaccurate or incomplete.

These violations have resulted in : - Exposure of my private information - Failure to protect my identity from fraudulent use - Direct harm to my mental health, financial stability, and credit standing Actions Requested : I formally request that the CFPB require Equifax to : 1. Block ALL information I have identified as related to identity theft. 
2. Conduct a THOROUGH reinvestigation of ALL disputed information.

3. Provide a DETAILED written report of their reinvestigation results within 5 business days.

4. REMOVE any information found to be inaccurate, incomplete, or unverifiable.

5. NOTIFY all nationwide consumer reporting agencies of any corrections made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XX/XX/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

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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX 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