vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CO

Complaint narrative:
Dear Discover Bank, I am writing to request that you remove the paid charged-off account associated with my name, XXXX XXXX XXXX and social security number XXXX from all three major credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX Since the account number is unknown/unavailable, I request that you use my social security number and name to identify the account. 


As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and complete information on consumers ' credit reports ( 15 U.S.C. 1681e ). Furthermore, the FCRA states that credit reporting agencies must remove information that is no longer accurate or complete ( 15 U.S.C. 1681i ). Additionally, the Consumer Financial Protection Bureau ( CFPB ) has issued guidance stating that credit reporting agencies should remove paid charged-off accounts from consumers ' credit reports ( CFPB Bulletin XXXX XXXX. This guidance is consistent with the FCRA 's requirement that credit reporting agencies maintain accurate and complete information. Moreover, the FCRA also requires that furnishers of credit information, such as Discover Bank, ensure the accuracy and completeness of the information furnished to credit reporting agencies ( 15 U.S.C. 1681s-2 ). As the furnisher of the credit information , Discover Bank has a responsibility to correct and update the information to reflect the payment of the charged-off account. In addition, the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of 2009 requires that creditors, such as Discover Bank, provide accurate and complete information to credit reporting agencies ( 15 U.S.C. 1666c ). The CARD Act also prohibits creditors from furnishing information to credit reporting agencies that is inaccurate or incomplete. Furthermore, the Federal Trade Commission ( FTC ) has stated that the removal of paid charged-off accounts from credit reports is a best practice for credit reporting agencies ( FTC Staff Report, " 40 Years of Experience with the Fair Credit Reporting Act '' ). The FTC has also emphasized the importance of accurate and complete information on credit reports ( FTC, " A Guide for Consumers : How to Dispute Credit Report Errors '' ). 


In my case, the charged-off account was paid in full on XX/XX/XXXX. Despite this, the account remains on my credit reports. 


I request that you take immediate action to remove this account from all three credit reporting agencies. As the furnisher of the credit information , Discover Bank has a responsibility to correct and update the information to reflect the payment of the charged-off account. 


I would appreciate it if you could provide me with written confirmation of the removal within 30 days. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am reporting Capital One for extortionate or credits pursuant to 18 U.S. Code 894- Collection of extensions of credit by extortionate means : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( XXXX ) to collect or attempt to collect any extension of credit, or ( XXXX ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than XXXX years, or both. 

Employees at capital one are profiting and have personal financial interests to deny credit which is a guaranteed right owed the applicant/customer/investor. Capital One is a servicer who doesnt put up any consideration in taking risk because employees can not deny what it doesnt loan in the first place. Employees at Capital One purchase retail installment contract from dealership and therefore equity wont allow me and my significant other to be denied an auto loan. Therefore employees at Capital One used false advertising, false and misleading information, deceptive language and deceptive business trade practices to deny us credit regarding the auto loan. Employees at Capital One reporting personal information to consumer reporting agencies without our consent when those reports are proof of income that Capital One employees sale for profit and gain so how are they getting away with denying applicants anything when equity will not allow denials? I will provide documentation and under penalty of perjury as Consumer Financial Protection Bureau employees are witnesses, Capital One employees must admit or deny information provided through my research.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I received an American Express gift card as XXXX gift, and I immediately tried to use it to add to my XXXX balance. After trying to add this card to both the app and on my XXXX directly, I was met with a message telling me to " Check Card information '' despite everything being correct, one issue is that I have no name on the card therefore I can not input a correct name into the XXXX. I went to the American Express Website and put in my card information, and it told me that my card was active and still had the original balance on it. After that, I was still determined to get the money on my XXXX and tried linking the card to XXXX, which got declined. Then, I tried linking the card to the American Express app so that I can link that to XXXX, however that got declined as well. It gave me a messaged stating " Please call the number on the back of the card '', which I did, and explained my problem to a lady and she was very unhelpful when I asked her how to fix my issue and it was hard to understand her. My card is perfectly fine but the gift card will not work for any retailers online, as far as I know.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: VA

Complaint narrative:
I have disputed hard inquiries from my credit report dated back to 2020. That I am unaware of as I was notified that my information was involved in a data breach from a medical facility. I reached out to the credit bureaus and companies and have not been able to have this issue resolved. Its been over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, Acct Number XXXX I am writing to formally dispute a matter involving [ Collection Agency 's Name ] regarding an outstanding debt that they are attempting to collect from me. I have previously requested documentation pertaining to the purchasing agreement associated with this debt, specifically a copy of the original agreement, but have not received any response or the requested documentation. 

On XXXX XXXX I contacted XXXXXXXX XXXX via, phone to request a copy of the purchasing agreement letter, as I believe it is my right to verify the legitimacy of the debt being claimed. Despite my efforts, I have not received any correspondence or documentation from them. 

This lack of response not only raises concerns about the validity of the debt but also appears to be a violation of my rights under the Fair Debt Collection Practices Act. I kindly ask the CFPB to investigate this matter and assist in resolving it. 



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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: TN

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 explanation
Consumer complaint received 2024-12-25 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: LA

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. These account has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ZWICKER & ASSOCIATES
State: SC

Complaint narrative:
Debt supposedly sold to XXXX after debt was written off and no 1099-C can be provided or was provided

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
They have received copies of the tribal declarations dated XX/XX/year> and have not discharged the debt. There are no more negotiable instruments left or type to send. Only other means I have will be labor.

The attached declaration has the seals of three notaries, and the seal of the XXXX XXXX XXXX as the debtor. The XXXX and the Person/Individual are all listed on the document and it is filed and numbered at the XXXX of XXXX XXXX stating they are responsible for the debts and the instrument is presented, valid to discharge the debt. They have received every form of instrument, and they have not discharged this debt. This AMEX has chosen to keep it alive, keep every instrument sent certified, close the account and recently declare me dead.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL branch of Chase Bank to open a new account. Every one was professional and courteous. I opened a three month CD and a savings/ checking account via checks drawn from my XXXX XXXX  account. 
A requirement for the Total Checking account at Chase is either direct deposits by an employer or government agency. I commented that it would not be a problem because I receive social security benefits and I would transfer the direct deposits from XXXX XXXX to Chase. 
What occurred is the basis of my complaint. 
That following Monday, I contacted Social Security to change my benefits from being deposited to XXXX XXXX Chase. I was alarmed to learn that it had been done already - by the bank. I sent an email to the branch manager and the gentleman who opened my accounts inquiring as to who did this transfer. The day passed with no response. That gave me concern. The following day I called Chases fraud department inquiring who had done the transfer. They could not give me that information, but it apparently is a service the bank provides. 
Now maybe this was mentioned to me when I was at the bank, but without signing a document giving the bank explicit authority to do the transfer, I did not think it would be possible, but apparently it is. I believe this practice is a red flag for possible fraudulent transfers. 
For example, I could not change my dividend deposits, which involve a much smaller amount than my monthly social security deposits, without putting the request in writing and returned to XXXX. 
As a consumer and an XXXX, I believe this practice at Chase needs to cease. I believe a risk management procedure, something akin to having an express written approval form for authorizing any such transfers be used for the future. If such a form was included in the disclosures I signed at the bank, I did not receive a copy, nor was I aware that this would be done without my calling social security first to authorize. Any paper work following the phone call, if needed, could be provided by the bank. 
Please note that in a few days, I did receive a polite and professional phone call from the banker to discuss and I learned this is a practice provided by the bank as a courtesy. I believe this should be reconsidered. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I received a credit alert on XXXX XXXX notifying me of a collection account added to my credit report. I don't know anything about the company or the debt that's listed. Nothing has been provided to me about the account or the debt prior to being added to 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 2024-12-25 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: GA

Complaint narrative:
TransUnion has illegally removed 2 good standing accounts from my credit report in violation of FCRA and causing injury to my credit score. These accounts are identified as XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Resurgent/LVNV is practicing in a fraudulent scheme with XXXX XXXX and are sending threatening emails to take me to court if I dont pay for debts that was written off and paid for by the NCUA. The debt was insured and paid back to XXXX XXXX and was deleted from my credit report. Then resurgent LVNV bought the already deleted account and reported it back to my credit report as a collection. This is illegal when the NCUA paid the debt back and the debt was deleted from my credit report. If Resurgent wants a legal battle with me please be my guest. If this is not deleted I will sue them for {>= $1,000,000}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: NY

Complaint narrative:
equifax is in clear violation of the law. Under 15 USC 1681 of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report???

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- except as provided in paragraph ( 3 ). The term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumers and the person making the report. 
Transaction : In business law, a transaction is an event associated with business dealings conducted between two or more parties that involve the formation and performance of an obligation or contract.

THE LAW CLEARLY STATES : Transactions or experiences between the consumer ( me ) and the person making the report is NOT INCLUDED ON MY CONSUMER REPORT.

Delete the above late payment from my consumer report, this agency is in violation of 15 USC 1681. 

The reporting of this account violates multiple provisions under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: GA

Complaint narrative:
To Whom It May Concern I am writing to formally demand the immediate removal of unauthorized credit inquiries from my credit report. These inquiries include, but are not limited to, the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information was recently compromised in a data breach, which has led to unauthorized activity on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and demand its removal if it can not be verified as authorized by me. 

Furthermore, the continued reporting of these inquiries after my dispute violates my rights under the FCRA, including but not limited to the following provisions : 1. 15 U.S.C. 1681b ( c ) - Permissible purposes for consumer reports. Unauthorized inquiries do not meet this standard.

2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Consumer reporting agencies must conduct a reasonable investigation of disputed information.

3. 15 U.S.C. 1681n - Liability for willful noncompliance. 

I have already filed complaints with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter and will escalate further if these inquiries are not removed immediately. Additionally, I reserve the right to pursue legal action for the willful disregard of my rights under federal law. 

You have XXXX hours from the receipt of this letter to remove the unauthorized inquiries from my credit report. Failure to comply will result in further action, including filing additional complaints with state and federal regulators, contacting the Federal Trade Commission ( FTC ), and seeking legal representation. 

This is a serious matter, and I will not tolerate any further obstruction or delay. Please confirm in writing that the inquiries have been removed. I expect full compliance without further denials or delays. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
I was double charged for services at {$190.00} each time and monthly fees that I dont recall My ss # is XXXX the address was XXXX XXXX XXXX XXXX pa XXXX And XXXX XXXX XXXX XXXX I remember expressing to the representative what I experienced the only resolve was for me to start over again I do not recall how much more than a year that we paid monthly and I beleive it was {$99.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: PA

Complaint narrative:
I submitted a dispute to this agency and it came back " verified ''. The thing is, errors are still on my report even after the result therefore I submitted another dispute noting every single error. Please see attached.

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 2024-12-25 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: PA

Complaint narrative:
I have disputed the accuracy of this account before and the errors/inaccuracies are still being reported. I demand that they delete this information immediately.

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