vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
this account, " XXXX XXXX XXXXXXXX XXXX XXXX' is still open, on my credit report as a remaining balancing. it should be removed and detected as XXXX balance. i no longer have this loan

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
this account, " XXXX XXXX XXXX XXXX  '' is still open, on my credit report as a remaining balancing. it should be removed and detected as XXXX balance. i no longer have this loan

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kashable LLC
State: MD

Complaint narrative:
1. XXXX- have ignored my request to provide me with validation that this debt was assigned or sold to a collector. I have call several times and was told because they no longer have the account, I have to speak to the collector but XXXX is the one that is reporting the inaccurate information on my credit report each month since XXXX. The collection agency is not reporting anything to the credit bureau. 

2. Kashable loan Llc - In year XXXX, Kashable loan agree to take a smaller payment amount because I no longer had an income due to not working until I retired in XX/XX/XXXX. Kashable have inaccurate reported me delinquent for 276 days pass due. I received a phone call on XX/XX/XXXX from XXXX offering me a settlement of {$2900.00} but constantly reported to the credit bureau inaccurate information and remains charging me XXXX percentage interest. 

3. XXXX XXXX XXXX - have reported inaccurate delinquent payments transfer from XXXX XXXX XXXX XXXX during the bank merger between the two banks. This account was transferred from XXXX XXXX XXXX XXXX. 

4. XXXX XXXX XXXX XXXX XXXX XXXX )- This account has been paid in full for XXXX XXXX XXXX. I was told by XXXX XXXX XXXX this account can be deleted but has to be done by the collection agency because the account was placed with them for collecting but they refuse to delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
At the end of XXXX, I received a letter from chase, informing me that all accounts will be closed on XX/XX/XXXX. The reason given was unexpected activity. I called many departments and wrote many letters. I wanted to ask what was violated. stipulations, leading to forced cancellation of accounts. But the final answer is that there is no reason, and the final decision can not be appealed. I have been a customer of chase for 8 years, and my account status has been good and my credit is good. I guess, it may be at the end of last year, I deposited a lot of checks within a month, and then transferred them to my personal account in XXXX XXXX XXXX because I need to apply for a loan from XXXX XXXX XXXX, so they require me to put down payment Deposit in their bank to approve the loan. These east wast banks can provide proof. And all checks and cash I deposit into chase can provide proof of legal origin. I hope chase can tell me the detailed reasons and accept my legal proof. In the future, I will pay more attention to the regulations of chase, and will not violate the user guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, 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: CA

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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 explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I submitted a letter to the CEO of Chase but only received a form letter response which did not address my specific concern. This will be the 2nd time in my lifetime I have experienced this same problem and ironically both times ( 20 years separated ) it was with Chase. The core issue is I will periodically receive text & email alerts to validate charges. When I receive these and I respond no that I do not recognize the charge they immediately cancel the card and reissue a new one. In most circumstances this would not be so problematic, however Chase did this twice to me within a 60 day period and I was traveling both times. I fully understand this is part of their fraud mitigation but it leaves the consumer in peril when traveling. I recommended they should pick up the phone and call the customer to address intervention if they are that concerned about fraud. I say this because the 2nd time they cancelled my card, although I did not recognize the charge I did recognize the business. I immediately called the business and it was a mistake for which they immediately refunded the charge. If XXXX would have just called before cancelling the card it would have saved me a lot of inconvenience. Their form letter indicates they did nothing wrong and fail to provide any service recovery for the inconvenience they created due to their process. I explained in my letter to Chase that other credit card companies call me before cancelling the card and in most situations we were able to mitigate any concerns with fraud without card cancellation. For Chase, it is crystal clear that they dont care about customer service or any inconvenience they create for the customer. They will just say it is their process. I tried to convey that other banks are more customer service oriented and their company should reconsider their process. All I receive are form letter which I presume are computer generated so the fact is that Chase is doing nothing to address this problem. I believe they should be required to indicate up front boldly the risks of using their credit cards if this is going to be your sole credit card because there is high probability they will cancel the card and if this is done when traveling, for example, it becomes very problematic. Chase could care less about customer impact so there should be an effort to provide warnings to consumers relative to their business practices of immediately shutting down the card instead of having a more proactive approach of contacting the customer directly via phone. As stated, other banks are more proactive so companies like Chase should have more stringent disclosure requirements to protect consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I took out a {$15000.00} private loan in XXXX for XXXX XXXX from XXXX XXXX ( which was later transferred to Navient ) while I prepared to study for the CA XXXX exam. In XXXX I filed for Chapter XXXX bankruptcy and had my debts discharged. I listed the private loan on the schedule but was told it was not dischargeable in bankruptcy. After the bankruptcy I continued to pay on the private loan and still have a balance today. I recently saw an article about a decision in a Navient case that said this loan should have been discharged and I could file a complaint for assistance. 

Here is the article : https : XXXX I have spent over {$15000.00} in payments and still owe about {$8000.00}. I would like help sorting this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, 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: OH

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 2023-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Global Lending Services LLC
State: TX

Complaint narrative:
We went to XXXX of XXXX texas about a month and a half ago. It took forever to get approved for loan for vehicle. Ever since we got the vehicle, there has been nothing but problem after problem. We tried getting XXXX to trade us out of the said vehicle into another vehicle. Global lending services has been helpful trying to get us a substitution of collateral from XXXX of XXXX. XXXX of XXXX has not been helpful in any case at all. They sold us a car with lots of problems and refuses to help resolve the issue, basically saying " sorry about your luck reapply for credit. '' And we have been denied because we're stuck in this loan with a faulty car, and XXXX of XXXX has not helped whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On my experian consumer report account # XXXX XXXX # XXXX XXXX company name XXXX XXXX XXXX. Amount {$650.00} for first one {$630.00} for second one. This is not my debt. The address affiliated with this account is not mines. Also this is violating my 15usc 1681b law. This is not accurate information. This is inaccurate and out dated information they are reporting. This section speaks on accurate information being reported on a consumer report. this information needs to be deleted you have caused damage to my reputation and my way of living.

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
this account, " capital one auto financing '' is still open, on my credit report as a remaining balancing. it should be removed and detected as XXXX balance. i no longer have this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
One of the laws that deals with identity theft in the United States is the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681. This federal law sets out rules and guidelines for how consumer credit information is collected, shared, and utilized. It also provides mechanisms for correcting any errors in credit reports, which can be critical for protecting my reputation and financial well-being. 

Identity theft, when carried out using my personal information, could lead to defamation of my character because the thief 's actions might tarnish my credit history and financial reputation. For instance, if the identity thief uses my information to open fake accounts, default on loans, or engage in criminal activities, these actions could be attributed to me by creditors, potential employers, and others who might perform background checks. As a result, my ability to secure loans, find housing, gain employment, or make significant financial decisions like buying a house or starting a business could be seriously hindered. 

As I'm working towards buying a house and establishing a business, having a strong financial reputation is crucial. Lenders, landlords, and potential business partners often assess my creditworthiness and character before entering into agreements. If someone has stolen my identity and used it for fraudulent purposes, it could result in financial liabilities that I'm not responsible for, which could negatively impact my credit score and overall reputation.

Considering 15 USC 1681, a part of the Fair Credit Reporting Act, this law offers specific protections for consumers like me whose credit information has been compromised. It includes provisions for accurate credit reporting and avenues to dispute incorrect information. These measures are vital in rectifying the harm caused by identity theft and preventing further damage to my character and financial prospects. 

Identity theft involves someone using my personal information without authorization, such as my name, social security number, or financial details, for fraudulent purposes. This act can have serious consequences both legally and personally, including potentially damaging my reputation, which is a form of defamation. Defamation refers to making false statements that harm someone's reputation, and in the case of identity theft, it can happen when the thief uses my stolen identity for illegal activities, which can damage my character and stand in the community.

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
One of the laws that deals with identity theft in the United States is the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681. This federal law sets out rules and guidelines for how consumer credit information is collected, shared, and utilized. It also provides mechanisms for correcting any errors in credit reports, which can be critical for protecting my reputation and financial well-being. 

Identity theft, when carried out using my personal information, could lead to defamation of my character because the thief 's actions might tarnish my credit history and financial reputation. For instance, if the identity thief uses my information to open fake accounts, default on loans, or engage in criminal activities, these actions could be attributed to me by creditors, potential employers, and others who might perform background checks. As a result, my ability to secure loans, find housing, gain employment, or make significant financial decisions like buying a house or starting a business could be seriously hindered. 

As I'm working towards buying a house and establishing a business, having a strong financial reputation is crucial. Lenders, landlords, and potential business partners often assess my creditworthiness and character before entering into agreements. If someone has stolen my identity and used it for fraudulent purposes, it could result in financial liabilities that I'm not responsible for, which could negatively impact my credit score and overall reputation.

Considering 15 USC 1681, a part of the Fair Credit Reporting Act, this law offers specific protections for consumers like me whose credit information has been compromised. It includes provisions for accurate credit reporting and avenues to dispute incorrect information. These measures are vital in rectifying the harm caused by identity theft and preventing further damage to my character and financial prospects. 

Identity theft involves someone using my personal information without authorization, such as my name, social security number, or financial details, for fraudulent purposes. This act can have serious consequences both legally and personally, including potentially damaging my reputation, which is a form of defamation. Defamation refers to making false statements that harm someone's reputation, and in the case of identity theft, it can happen when the thief uses my stolen identity for illegal activities, which can damage my character and stand in the community.

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I began requesting my credit report primarily via Annual Credit Report.com in or around XX/XX/2023 which led to a few disputes and corrections required by the consumer reporting agency, XXXX. As a victim of identity theft, A few corrections were made as a result of this inquiry to my credit report. After wanting to review my report again, now through XXXX 's consumer website I was unable to complete the verification process and was prompted to call the Consumer Care line at the following number : ( XXXX ) XXXX ( XXXX ) XXXX. On or around XX/XX/2023 I was unable to get a representative from XXXX by calling the Consumer Care number. Also, was unable to receive an updated report via Annual Credit Report.com. Later in XXXXXXXX XXXX I call XXXX and after not being able to go through verification, and spending over 1 hour on the phone with customer service, I was not able to get my personal information. This is alarming as a consumer.

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I began requesting my credit report primarily via Annual Credit Report.com in or around XX/XX/2023 which led to a few disputes and corrections required by the consumer reporting agency, XXXX. As a victim of identity theft, A few corrections were made as a result of this inquiry to my credit report. After wanting to review my report again, now through XXXX 's consumer website I was unable to complete the verification process and was prompted to call the Consumer Care line at the following number : ( XXXX ) XXXX ( XXXX ) XXXX. On or around XX/XX/2023 I was unable to get a representative from XXXX by calling the Consumer Care number. Also, was unable to receive an updated report via Annual Credit Report.com. Later in XXXXXXXX XXXX I call XXXX and after not being able to go through verification, and spending over 1 hour on the phone with customer service, I was not able to get my personal information. This is alarming as a consumer.

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