vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-01 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: VA

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  : # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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. I presume that no such debt exists. Additionally, I have not received any proof validating this debt. 
as required by law.

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 2024-09-01 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: MoneyLion Inc.
State: GA

Complaint narrative:
Dear Sir or Madam, I am writing to express my concern regarding several errors in my personal credit report, which are negatively impacting my credit score with XXXX, XXXX, and XXXX. Below, I outline the issues that I have identified : Closed account by MONEYLION LLC : This account is listed as closed on my report, which is incorrect as it should be reported differently. 

Closed account by XXXX XXXX : Similarly, this account is marked as closed, which is adversely affecting my credit history. 

XXXX XXXX : There is incorrect information associated with this account that needs to be reviewed and corrected. 

XXXX XXXX XXXXXXXX : XXXX late payments are reported, which is inaccurate and harming my credit score. 

XXXX ( XXXX ) XXXX There is a blemish related to this account that requires immediate correction. 

I have attempted to contact the respective institutions to resolve these issues, but I have been informed that I need to provide a letter of support from the Consumer Financial Protection Bureau ( CFPB ) in order for them to remove the disputes from my record. 

I am formally requesting that you review and correct these errors on my credit report. I appreciate your prompt attention to this important matter. 

Please do not hesitate to contact me if you require any additional information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
When i apply they say XXXX days and we will send you a response and its always we can not approve you at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: IL

Complaint narrative:
i recently checked my credit report and noticed unauthorized accounts these accounts and remarks have been detrimental to my life and credit health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: SC

Complaint narrative:
I would like to officially request that you review the data on file for me. As per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and Metro 2 compliance standards, I am challenging all inaccuracies or deficiencies in reporting. However, I must express my disappointment that the credit report I received was not accurate. I am surprised that this is the case, as you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. I have a challenge for you- please make a document that shows all of the evidence and sends it to me, complete with verified sources. It is important to note that the XX/XX/2020 states that any deviation from these standards jeopardizes the integrity of data. 

This is a serious issue that must be addressed. I want to emphasize that the report you sent me is not accurate. Are you certain that all of the information is accurate and properly formatted? Please take note that the below-noted claims are disputed and have not been confirmed as facts. I am requesting that you remove any false accounts on my credit report as soon as possible, as this will have financial consequences for me in the future if left unchecked. I can not tolerate anything less than 100 % accuracy on my credit report. 
US BKPT CTXX/XX/1505XXXX Listed below are the Collections that are being challengedXX/XX/4447

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 2024-09-01 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: SC

Complaint narrative:
I would like to officially request that you review the data on file for me. As per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and Metro 2 compliance standards, I am challenging all inaccuracies or deficiencies in reporting. However, I must express my disappointment that the credit report I received was not accurate. I am surprised that this is the case, as you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. I have a challenge for you- please make a document that shows all of the evidence and sends it to me, complete with verified sources. It is important to note that theXX/XX/XXXX XXXX states that any deviation from these standards jeopardizes the integrity of data. 

This is a serious issue that must be addressed. I want to emphasize that the report you sent me is not accurate. Are you certain that all of the information is accurate and properly formatted? Please take note that the below-noted claims are disputed and have not been confirmed as facts. I am requesting that you remove any false accounts on my credit report as soon as possible, as this will have financial consequences for me in the future if left unchecked. I can not tolerate anything less than 100 % accuracy on my credit report. 
US BKPT CTXX/XX/XXXXXX/XX/XXXXListed below are the Collections that are being challengeXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent Account has Violated my rights ( PORTFOLIO RECOV ASSOC {$1500.00} XX/XX/XXXX XXXX and another {$1300.00} XXXX XX/XX/year> ). I have never owed PORTFOLIO RECOV ASSO 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: OH

Complaint narrative:
Transunion These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXXXXXX {$5600.00} XX/XX/XXXX XXXX XXXX XXXX {$5500.00} XX/XX/XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXX Transunion Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-09-01 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: IL

Complaint narrative:
i recently checked my credit report and noticed inaccuracies and unauthorized accounts reporting on my credit report these remarks have been detrimental to my life and credit health

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 2024-09-01 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: IL

Complaint narrative:
i recently checked my credit report and noticed inaccuracies and unauthorized accounts reporting on my credit report these remarks have been detrimental to my life and credit health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received an injury settlement check for a covered XXXX  XXXX compensation Injury. It was for a large amount {$64000.00}. Theres were certified funds deposited on XX/XX/XXXX and cleared for use on XX/XX/XXXX. On Saturday XX/XX/XXXX, I received an email from Chase threatening to close my account because the check could not be verified using their software because My lawyer who wrote the check had a different phone number than the one listed in their verification software, so I reached out to my lawyer and he was able to provide a secondary phone number. At which time I reached back out to Chase again on XX/XX/XXXX and was put on hold while the verification team reached out to my lawyer and spoke to Chase and he gave them all of the info they needed to verify the check. I was told my account would be unlocked within the hour and my funds would be released and simply needed supervisor approval. On Sunday XX/XX/XXXX I attempted to use my debit card and it was declined and my account was still restricted, I called Chase again and was told that the approval team had a different address now associated with the business, I dont know what to tell them because my lawyers business address is the same address on the check and is his legal address. I need my money, Chase held my check for 10 days clearing it as a valid certified injury settlement check and then several days later put my money on hold and are keeping me from using it. I dont understand how this is legal or warranted, the check cleared, they spoke to my lawyer who wrote me the check which came from a state mandated XXXX XXXX account in charge of making sure all funds are good. This is out of my control. Both my lawyer and I quickly provided the information chase said was necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I looked on my credit reports and noticed that I have a collection account on all 3 credit reporting companies with this information : XXXX LVNV FUNDING LLC Balance {$690.00} Opened XXXX XXXX XXXX Account Status Open reported : XXXXXXXX XXXX XXXX XXXX LVNV FUNDING LLC XXXX Balance {$690.00} Date Opened XX/XX/year> Balance Updated XX/XX/year> XXXX LVNV FUNDING LLC Account Number XXXX XXXXXXXX Balance {$690.00} Date Opened XX/XX/year> Date Reported XX/XX/year> I do not owe this company money and I sent them a document ( see attached ) but they never responded. I will also request through the CFPB that the company sends the original purchase agreement with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: AR

Complaint narrative:
in XXXX of 2022 I got a loan from this loan company for solar panel and they were supposed to verify that the product was finished before they pay and they didnt I at same as a lot of people was scammed for that company selling solar panels I had been talking to the loan company to get my loan canceled but they refuse even that they know about this big scam also I know they had canceled a lot of loans for the same reason but they refuse to cancel mine my panels didn't got finished and the solar company doesn't exist any more so they are making me pay for something is not functioning I'm retired person and when I got this I was thinking on save a little on my bill instead I'm with a double payment and I cant afford

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I received a postcard that my address was changed for two accounts a XXXX debit card and an everyday checking account with Wells Fargo I never open it an account with Wells Fargo and my credit has been frozen for many years. It is very surprising to me that an account could even be opened with my credit being frozen like this. I asked for investigation and a resolution the investigation they said would take 45 days and we have no idea if it will be resolved or not but the fact that this even happened is worthy of a complaint.

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 2024-09-01 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: FL

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries Creditor Date of inquiry XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, Section 6, 2, which affirms my right to privacy. Furthermore, under 15 USC 1666b, a creditor is not permitted to report a payment as late on an open-end consumer credit plan for any purpose without my written instructions The account late payments in question are the following : Account # : XXXX XXXXXXXX XXXX Account # : 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 2024-09-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I retired from XXXX XXXX XXXX ( XXXX ) in 2020. It is the practice of XXXX  that employees receive their salary or retirement exactly on the XXXX day of the month. If the XXXX day of the month falls on a Saturday, Sunday or holiday, XXXX makes sure that payment is received on the working day before the non-working weekend or holiday. 

This changed when Bank of the West became BMO. BMO keeps the money until the next working day. So money paid on XX/XX/XXXX ( Friday ) by XXXX to make sure that employees and retirees have their money before the weekend or holiday are kept by BMO for a few days and will not be available until XX/XX/XXXX ( Tuesday ). 

This happened once before when XXXX sent payments to their employees on XX/XX/XXXX ( Friday ). BMO kept the funds and paid salaries and retirements on XX/XX/XXXX ( Monday ). 

I believe BMO is keeping the money for a few more days so as to receive interest on the money at the expense of the employees or retirees from XXXX and other companies.

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 2024-09-01 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: IL

Complaint narrative:
i recently checked my credit report and noticed inaccuracies and unauthorized accounts reporting on my credit report these remarks have been detrimental to my life and credit health

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 2024-09-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, Section 6, 2, which affirms my right to privacy. Furthermore, under 15 USC 1666b, a creditor is not permitted to report a payment as late on an open-end consumer credit plan for any purpose without my written instructions The account late payments in question are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-09-01 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: CA

Complaint narrative:
Delete this account XXXX XXXX XXXX # because the Date of Last Active is inconsistent. 
TRANSUNION XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>. 

Please send me a new report reflecting these changes. 

Thank you 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 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Delete this account XXXX XXXX XXXX # because the Date of Last Active is inconsistent. 
XXXX XX/XX/2023, XXXX XX/XX/2023, EQUIFAX XX/XX/2023. 

Please send me a new report reflecting these changes. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief