vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I got a email on XX/XX/08 stating to contact JP Morgan chase as my account may be shut down. So I called the number listed they transferred and stated that the bank could no longer maintain a relationship and that my accounts would be shut down I thought Id be able to get my funds out at least to deposit in my other bank but they shut my cards down as well as XXXX my XXXX which makes it to where I can not send the money to my other bank I had no warning which is not professional

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MI

Complaint narrative:
I just want my money back from my chime account please thank u XXXX in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: DISCOVER BANK
State: NY

Complaint narrative:
I contact the credit agency concerning this matter and have not received a response as of yet. i asked that the hard inquires be removed because they were not authorized to run my credit without my permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NM

Complaint narrative:
XX/XX/XXXX ; Purchased Vanilla Gift Cards from XXXX XXXX as XXXX gifts. XXXX {$100.00} cards were faulty. XX/XX/XXXX ; Notified company and they gave me an email address ( XXXX ) and case number ( XXXX ). I emailed requested information and was told to wait 3 - 4 weeks for a response. XX/XX/XXXX ; Called to check up on issue, and provided additional information, replacement cards should be sent out. XX/XX/XXXX ; Called to check status of replacement cards. Was told that case number and information provided did not match what they had on record. XX/XX/XXXX ; Called about case number, and provided additional information. Was told that information did not match what they had on record and could not pursue this matter and further .....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: IL

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.

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 2024-05-08 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: NC

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 2024-05-08 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Subject : Cease and Desist Request Regarding Violation of 15 USC 1692c ( c ) Dear LVNV FUNDING LLC, I am writing to report an incident of unauthorized debt collection attempts made by LVNV FUNDING LLC. Despite the debt not being owed by me, XXXX persistently attempted to collect it, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 10 ). The incident occurred over the past several years, during which LVNV FUNDING LLC repeatedly contacted me, claiming that I owed a debt to LVNV FUNDING LLC. However, upon investigation, it was discovered that this debt was not mine and was, in fact, a result of identity theft. Despite providing evidence and documentation supporting this claim, LVNV FUNDING LLC continued their collection attempts. Furthermore, LVNV FUNDING LLC repeatedly contacted XXXX, XXXX, and XXXX regarding this unauthorized debt. This violates my rights under the FDCPA, as it constitutes harassment and false representation of the debt, as outlined in 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 10 ). Numerous attempts were made to communicate with [ Debt Collection Agency Name ] to cease their collection efforts and rectify the situation. However, they persisted in their attempts to collect the debt, disregarding my rights as a consumer. As per the FDCPA, debt collectors are prohibited from attempting to collect debts that are not owed by the consumer and from engaging in harassing or deceptive practices. The fine for violating these provisions can range up to {$1000.00} per violation. I urge you to take appropriate action against [ Debt Collection Agency Name ] to ensure that they cease all collection attempts related to this unauthorized debt, refrain from contacting the credit bureaus, and to impose the appropriate fines for their violation. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: MA

Complaint narrative:
I recently reviewed a copy my credit report and noticed I had fraudulent accounts on my report. Please Remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXX - XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: SC

Complaint narrative:
Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX I am a XXXX  member of the XXXX XXXX, I am a 100 % XXXX XXXX. I joined the XXXX XXXX XX/XX/XXXX retired XX/XX/XXXX. I remained domiciled in XXXX XXXX  My DOB : XX/XX/XXXX I do not owe this money. I have not committed bankruptcy. 
The post card states : Between XX/XX/XXXX and today. 
I lived in the XXXX XXXX XXXX XXXX as of XX/XX/XXXX. 
The Statue of Limitations in South Carolina is three years. The Statute Limitations for this type of debt is three years. The notice states that I can not be sued. The collectors threaten to report this to " the credit beaus if I do not pay them. 
This is attempted extortion, they have crossed state line in an attempt to extort funds across state lines. They have contacted me digitally across state lines in this attempt at extortion. They have committed a RICO violation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Timely payments are a certainty for me. However, I find it puzzling why this company occasionally marks certain months as late, which doesn't align with my records. According to USC 1666b, any billing discrepancies should be promptly corrected and reflected accurately.

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 2024-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PRIMARY RESIDENTIAL MORTGAGE
State: GA

Complaint narrative:
Hello XXXX XXXX, Attached is further evidence of the contract breach on behalf of PRMI for your review. 
>Evidence of XXXX XXXX XXXX to XXXX >Evidence of Payment Confirmation Post Sale to XXXX >Evidence of electronic funds transfer payment to PRMI XXXX Sale to XXXX XXXX from XXXX XXXX Please provide me with proof of the payment entry from ( my payment to PRMI draft date : XX/XX/XXXX ) applied to my loan account serviced by XXXX XXXX. I do not see such an entry ; can you please explain why that entry does not exist on my account ledger with XXXX XXXX? 
Again, we need not be at odds ; the Breach has been proven with clear substantial Evidence. I implore you to work with me for the continued prosperity of your company. I look forward to hearing from you by XX/XX/XXXX with my orders delivered regarding DEED OF DISSOLUTION OF SERCURITY DEED BY GRANTOR FOR LACK OF EXECUTION BY BENEFICIARY. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: FL

Complaint narrative:
Opened a new credit card account XXXX, 2023 with XXXX XXXX XXXXXXXX ( hereafter referred to as XXXX ) and immediately set up auto-pay. A few months went by using the XXXX card and noticed a late payment fee and then another. Tried to call the XXXX many times and couldnt get through to anyone due to new automated phone system. Suddenly received notice from a credit monitoring service of a change of my credit report due to late payments to the XXXX credit card. I contacted XXXX online chat to verify auto pay and they said it failed the first time, so we set it up. The chat agent agreed to try to reverse the late charges. Note I still never received any email, text, phone call or USPS mail from XXXX to warn me of any late payment or that they would hurt my credit reports. After finding out my credit score has been reduced from XXXX to XXXX, I chatted and called XXXX several more times to request correction. One phone rep in Alabama basically said tough luck and it was my fault because auto pay takes several months to activate. I explained to her I should have been told about that and she insisted it was still all my fault. I asked to speak to a supervisor and she refused, citing the back office said it's all my fault. I ended to call to accept the next phone rep calling me and she seemed happy ; the next rep said he would send letters to the credit reporting agencies to try to fix the issue and send me a copy. The copy I received essentially said XXXX refuses to correct the problem based on their investigation. 

I am XXXX, honorably served in the XXXX am now a XXXX veteran and have never experienced anything like this with the dozens of other financial accounts Ive dealt with and have been a XXXX customer for 25 years. I have worked hard to be as responsible as possible for many decades to achieve an XXXX XXXX and XXXX basically screwed me over and damaged an important part of my life, a great credit score.

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 2024-05-08 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Dispute of Duplicate Bankruptcy flings Entry on Credit Report Dear Sir/Madam , I am writing to dispute a duplicate bankruptcy entry that appears on my credit report. Upon reviewing my credit report, I noticed that there are two instances of the same bankruptcy filing listed, which is inaccurate and misleading. I respectfully request that you investigate this matter and remove the duplicate entry from my credit report. 

Below are the details of the duplicate bankruptcy entry : Creditor Name : us bk ctXXXX XXXX XXXX Account Number : XXXX and XXXXXXXX XXXX  Date of Bankruptcy Filing : XXXX and XXXX Court Name : us bk ctXXXX XXXX XXXX I believe this duplication is an error, as there should only be one bankruptcy filing associated with my credit history. I have attached supporting documentation, including a copy of the official bankruptcy discharge papers, to verify that the bankruptcy was filed only once and has been properly removed. 

I kindly request that you promptly investigate this matter and remove both duplicate entry from my credit report. Please provide me with written confirmation once the correction has been made. 

Thank you for your attention to this matter. If you require any further information or documentation, please do not hesitate to contact me at the above-listed contact information. 

Sincerely, 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
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
I do not have any contract with this company and they are alleging I have a debt with them and have violated my right in consumer law to illegally collect this debt I am victim of identity theft somebody stole my personal personal identity and used it to obtain rental leases and other accounts I reported the fraud with police report ftc report to companies to then have the companies assign Me to a person who never answers the phone or follows back up knowing these accounts are fraudlent and do not belong to me. I had the accounts removed from XXXX credit agencies only for them to go to XXXX and report these fraudlent accounts I have tried everything to talk to somebody about me being a victim of identity but they purposely ignore me and try to report items to credit file after deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A customer charged back a wire without consenting me I agreed to return the funds but by that time the bank put a hold on all my funds. I need access to my money i have bills to pay, workers owed, and all these people have families. You guys are crushing my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Card has opened and closed an account on my credit that is not mines please have them remove the whole account.

Company response to consumer: Closed with non-monetary relief