vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to file a complaint regarding the denial of my credit card application with Bank of America, which I believe was wrongfully executed and in violation of consumer protection laws. 

On today, I submitted an online application for a credit card with Bank of America. However, to my dismay, I received a screen message informing me that my application had been denied. This decision came as a surprise to me, especially considering my previous positive credit history and the fact that I was recently approved for a car loan by the same institution. 

Upon receiving a denial, it was indicated that the decision was based on information obtained from a consumer reporting agency. However, under Section 615 ( a ) of the Fair Credit Reporting Act ( FCRA ), I have the right to receive a copy of the credit report that was used in the decision-making process. To date, I have not received any such report from Bank of America, which raises concerns about the transparency and fairness of the decision. 

Furthermore, I believe that Bank of America may have violated the Equal Credit Opportunity Act ( ECOA ) as outlined in 15 USC 1691 et seq. The denial of my credit card application appears to be discriminatory, as there is no valid reason for denying me credit when I have demonstrated responsible financial behavior and have been approved for credit by the same institution in the recent past.

Additionally, under the Truth in Lending Act ( TILA ) as stated in 15 USC 1601 et seq., consumers have the right to receive a written explanation of the reasons for credit denial. While I appreciate the brief explanation provided in the denial letter, it fails to provide specific details or reasoning behind the decision, which makes it difficult for me to understand why my application was denied. 

In light of the above, I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Bank of America if it is found to be in violation of any consumer protection laws. I also request that Bank of America provide me with a detailed explanation for the denial of my credit card application and furnish me with a copy of the credit report that was used in the decision-making process. 

Name : XXXX XXXX XXXX : XXXX SSN : 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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I was late with my payment, I have since made the payment, and they called my work. I cant make personal calls but they can leave a message on my direct line. Somehow XXXX XXXX called and left a message on a different line which was subsequently distributed to my entire department and a second department. So now 20 people including two vice presidents know I have a past due credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. 

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and I have no knowledge of or have ever been connected to the following information : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX 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 non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and I have no knowledge of or have ever been connected to the following information : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-02-27 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:
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. 
XXXX XXXX  : Acct # XXXX, XXXXXXXX XXXX  : Acct # XXXXXXXX XXXX XXXX XXXX  : Acct # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Acct # XXXX. ALL has violated my rights. 

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 States : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 ) States : 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 2024-02-27 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:
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. 
XXXX XXXX  : Acct # XXXX, XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX : XXXX XXXX XXXXt : Acct # XXXX. ALL has violated my rights. 

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 States : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 ) States : 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 2024-02-27 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: RFNA, LP
State: SC

Complaint narrative:
Republic Finance is using my credit report as collateral as a method to repossess a loan that was issued through XXXX XXXX. Republic Finance had access to my XXXX XXXX XXXX  Report and knew I lost my job and continued to market to me despite not seeing any funds in my account. This was using deceptive practices and caused substantial injury, as a result, is punishable by law at {$1000.00} per violation. The FCRA Law states that. Federal Trade Commission Act/Dodd-Frank Act states that these practices can not cause harm to consumers, and this issue with Republic Finance has caused substantial harm to my credit report as well as mental anguish. This item needs to be removed from my credit. I never received a 1099A Acquisition or Abandonment of Secured Property 1099c Cancellation of debt. This company uses swap methods and knowingly has traded this note on the secondary market and is seeking only interest payments. XXXX XXXX XXXX  through XXXX XXXX, which is part of XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2024-02-27 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: EQUIFAX, INC.
State: TN

Complaint narrative:
First off I have not applied for any Credit so My scores are unchanged. On XX/XX/2024 I checked my XXXX  Score and it's XXXX. Then I checked Equifax Credit Score. It's completely missing and in it's place is a '? ', They said it was the Systems Depart Fault. They said check back in a few days. A week later the score is back but it's been lowered like XXXX points to XXXX so I called them again. Equifax has a known history of screwing up Peoples Credit and they have been Hacked. Also if you ask me, they are incompetent. I sent a dispute in last year. Only XXXX fix the issue. Equifax and XXXX share Info and coordinate credit and they did nothing on the Dispute, I did get a word salad from them. Also when I called Equifax the first time reaching out I about the "? ' I was told by their representative they could not change my address since had I moved. Today XX/XX/2024 I called Equifax and their Representative said change of address is not an issue, I will address it. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I started out as a XXXX. Today I XXXX XXXX XXXX XXXX XXXX XXXX and I usually XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX the Deposit or Loans Systems which impacts the Customers Accounts is fired on the spot. Something needs to be done to these So-Called Credit Reporting Agency 's , They cost you XXXX  of Dollars in Interest with their erroneous credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX violated my rights under 15 U.S. Code 1666b which states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I also never received a late payment letter from XXXX XXXX in the mail informing me ( the consumer ) that my account was late according to section 1637 ( b ). Therefore, please update the payment status on my report for XX/XX/2024 to On Time as this account is at a XXXX balance. 

Thanks

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 2024-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have previously disputed this fraudulent account last year and this account was removed from my credit report. I have even sent a FTC report to the company directly and also to your company and now this fraudulent account has been sold or whatever to another company and has been put back on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to address the severe discrepancies I discovered upon reviewing my credit report. The inaccuracies I found have caused me significant distress and concern. 

During my recent investigation of my credit report, I uncovered several unverifiable, invalidated, inaccurate, and questionable items. It is unacceptable that your agency failed to ensure the accuracy of these reported items, as mandated by the Fair Credit Reporting Act.

Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is imperative that all information on my credit report is reported accurately. The presence of these inaccuracies is a direct violation of these regulations.

Enclosed, please find copies of all letters I have previously sent in an attempt to rectify these errors. 

I demand immediate action to address and correct these inaccuracies. Failure to do so will result in further escalation of this matter. 

I expect a prompt response from your agency regarding the steps taken to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: GA

Complaint narrative:
I am writing to address the severe discrepancies I discovered upon reviewing my credit report. The inaccuracies I found have caused me significant distress and concern. 

During my recent investigation of my credit report, I uncovered several unverifiable, invalidated, inaccurate, and questionable items. It is unacceptable that your agency failed to ensure the accuracy of these reported items, as mandated by the Fair Credit Reporting Act. 

Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is imperative that all information on my credit report is reported accurately. The presence of these inaccuracies is a direct violation of these regulations. 

Enclosed, please find copies of all letters I have previously sent in an attempt to rectify these errors. 

I demand immediate action to address and correct these inaccuracies. Failure to do so will result in further escalation of this matter. 

I expect a prompt response from your agency regarding the steps taken to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: CO

Complaint narrative:
I am very upset by this as I have already fought this and proved that this was not my account, they removed it. It was previously under XXXX XXXX under account number XXXX. They must have sold it to a new company, but I have already proven this is not mine and they removed it. I have reached out to the new company with no response. I have asked them to verify the debt and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Porsche Financial Services, Inc.
State: TX

Complaint narrative:
I purchased a XXXX Porsche XXXX in XX/XX/XXXX from Porsche XXXX XXXX and used Porsche XXXX XXXX for the loan. 

I purchased a new car XX/XX/XXXX from XXXX XXXX. XXXX XXXX immediately cut a check for the full payoff amount per the payoff statement of {$9300.00}. Porsche received the check ( Check # XXXX ) and cashed it on XX/XX/XXXX. Following the cashing of XXXX  XXXX 's check in late XXXX, Porsche continued to take money from my account in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Monday, XX/XX/XXXX, I received a check for TWO payments only ( {$1300.00} ) for reimbursement despite being owed 3 payments. They accepted the full payoff amount in XX/XX/XXXX and still took out 3 payments following the cash out plus trying to take ACH Debits out of my account 4 months later! 

XX/XX/XXXX, I received correspondence from Porsche XXXX stating they are reporting me to the credit bureaus for late/default payments and penalties because I blocked payments, however, I do not owe any money. They will not return my calls ( I've been speaking with PFS and XXXX who is higher in charge at XXXX ) about whats going on. They reported in XX/XX/XXXX to my credit bureaus that I was paid off. So what are they trying to collect from my bank account? Thank goodness I did a stop payment with my bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National credit systems is saying i owe them {$14000.00} and made a derogatory mark on my credit report. i do not owe them this debt. they can not provide me any docs that i signed and owe them any debt. i don't know who this company is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief