vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2023 I XXXX XXXX sent a notice letter to Experian the consumer reporting agency. 

They are reporting 2 incorrect names on my consumer report and inquiries that I do not recognize and did not consent to. 

I've asked that they please update this information but they have not responded and the inaccurate items are still reporting. I listed the items to be updated in the letter below that I sent to Experian. 

It is now XX/XX/2023, more than 30 days past date of delivery and nothing has been done about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: TX

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 confidentially under 15 USC 1681. 

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 ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) : # XXXX, has violated my rights. 

15 U.S. Code 1681 Section 602 A. states I have right to privacy.

15 U.S. Code 1681 Section 604 A. section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S. Code 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: TX

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 confidentially under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) : # XXXX, has violated my rights. 

15 U.S. Code 1681 Section 602 A. states I have right to privacy.

15 U.S. Code 1681 Section 604 A. section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
I have been employed by an agency that counts towards the PSLF since before I even started my degree program. Currently Mohela says that many of my payments do not qualify for the program. I'm not sure how they can say this as my employment has been with local government for the entire time. When I reached out to Mohela the only response I get is that they are experiencing a high volume of inquiries and I will be notified when they get to my questions .... It's been over 9 months now and still no answers. When I call, I go through a phone tree then on hold for an eternity. I don't have time to sit on hold all day just to sit on hold and never be addressed. This company needs to be fired and stripped of their ability to handle student loans!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Identity money laundering forgery XXXX XXXX XXXX XXXX state to state loans of all sorts contact Texas FBI XXXX division and XXXX XXXX police department XXXX XXXX sheriff 's office look for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx and other people as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Dear Southwest Credit Systems, I am writing to formally dispute the validity of the debt you are currently attempting to collect, associated with the account [ Account Number ]. I demand proper validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

1. Proof of Debt Ownership : I request conclusive evidence establishing Southwest Credit Systems legal ownership of this debt, including the original contract between myself and the original creditor, not a mere copy. Please provide documentation demonstrating your right to collect on this alleged debt.

2. Consent for Third-Party Disclosure : I have not authorized the original creditor to sell or disclose my personal information to third parties. Clarify the legal basis upon which Southwest Credit Systems obtained this information when acquiring the debt. 
3. Compliance with Georgia State Laws : Furnish documentation proving Southwest Credit Systems legal authority to collect debts in the state of Georgia. Include references to relevant state and federal laws that authorize and regulate such collection activities. 
4. Full Accounting Ledger : Provide a comprehensive accounting ledger illustrating the total amount claimed, delineated by principal, interest, and any legitimate fees. Include details of any payments made on the account.

5. Detailed Payment History : Supply a detailed payment history, specifying the application of payments and any charges incurred. This information is essential for a thorough examination of the alleged debt.

6. Alleged Collections Fees : Challenge the legality of the {$500.00} collections fees purportedly added to the debt. Clarify the basis for these charges and provide documentation supporting their imposition.

Furthermore, I assert my rights under the FDCPA to request that Southwest Credit Systems validate this debt within 30 days from the receipt of this letter. Failure to comply will result in legal action. 

I also demand the immediate removal of this debt from my credit report and an immediate cessation of all debt collection attempts. I want to emphasize that pursuing a remedy through the courts can be a lengthy and expensive process for both parties. It is in our mutual interest to resolve this matter amicably and promptly. 

This correspondence serves as an official notice of my dispute, request for validation, and demand for removal under the FDCPA. I expect your prompt and diligent attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/XXXX, I encountered issues logging into my bank app. Shortly thereafter, I received an email notification stating that my bank account, specifically the check account, was slated for closure by Chase Bank due to suspicious activity. Subsequently, around XX/XX/XXXX, my bank account was indeed closed, with an estimated timeframe of receiving a check within 10 business days, or by XX/XX/XXXX. 

As of today, XX/XX/XXXX, despite numerous attempts to contact the bank via phone, I have received no resolution or updates regarding my situation. Chase has not indicated any intention to return the funds held in my account. It's crucial to note that my account contains my salary, which I rely on for rent payments and credit card obligations. The impact on my daily life has been substantial. 

I am reaching out in the hope that you can assist me in resolving this matter promptly. Your intervention in communicating with Chase Bank on my behalf would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: GA

Complaint narrative:
See the documents that I was able to attach

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: GA

Complaint narrative:
Review the documents 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 non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RGS Financial, Inc.
State: NV

Complaint narrative:
In an attempt to contact RGS I requested Copy of original contract, payment history, name and address of original creditor, proof of collections authorization, & purchase debt agreement. This information was not sent to me. This unverified debt does not belong to me if it cant be proven that it belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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 this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America shared my information to nonaffiliated third parties without giving me the option to opt out or receiving my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX I made a deposit in the ATM and the machine broke down not crediting me my {$2000.00} in cash. After the bank investigated they only credited me {$100.00}. The back is not further helping me with a more thorough investigation that needs to be done. I will attach the ATM receipt given at the time and the fax confirmation of when I faxed it to bank that they claimed they never received.

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 monetary relief
Consumer complaint received 2023-12-28 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: DISCOVER BANK
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681 section 602, establishes the importance of consumer reporting agencies like XXXX, XXXX, and XXXX conducting their substantial responsibilities with fairness, impartiality, and respect for consumer privacy. Under 15 USC 6801, it is mandated that financial institutions maintain an ongoing duty to honor customer privacy and secure sensitive personal information. As such, DISCOVER BANK, categorized as a financial institution, is bound by these provisions. Specifically, 15 USC 1681 section 604 allows consumer reports to be furnished solely with the consumer 's written permission. 
However, I have not provided DISCOVER BANK or the mentioned consumer reporting agencies with my consent, in any form, to share my information. Furthermore, under 15 USC 6802, a financial institution is prohibited from disclosing personal information to unrelated third parties without informing the consumer of their right to prevent such disclosure. I was not made aware of this right by DISCOVER BANK.

Moreover, 15 USC 1681C ( a ) ( 5 ) restricts consumer reporting agencies from including certain negative information older than seven years in their reports. Any reporting of such outdated adverse information by these agencies without my consent is a violation of the FCRA. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the dissemination of information by any entity if there is knowledge or reasonable belief that the information is incorrect.

Consumer reporting agencies are required by 15 U.S. Code 1681e to establish adequate procedures to prevent violations of section 1681c and ensure that consumer reports are only used for authorized purposes. Failure to maintain these procedures by XXXX, XXXX and XXXX would be non-compliant with the FCRA. Lastly, as per 12 CFR 1016.7, I am entitled to opt out of such reporting services at any time, which I am hereby exercising.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: Uplift, Inc
State: GA

Complaint narrative:
I found that UpLift was reporting on my credit report. This was not me I sent them a police report and FTC affadavit 4 times already with no response, I also sent it to the credit bureaus and still have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
Someone used my name to committ fraud with Affirm. They sent me an email confirming that they will remove the fraud, I also sent a copy of that email to XXXX for removal with the FTC affadavit and police report to have the information immediately deleted and or blocked however neither Affirm nor XXXX have responded and everyday this is on my credit its causing me financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
I recently received my LEXIS NEXIS Consumer Credit Report as used for insurance and other financial matters. There are multiple errors and entries including but not limited to incorrect addresses, incorrect names used and other false information. I want the opportunity to immediately correct and remove ALL FALSE information from their files and database. 

Because of their system error, this process to receive information and correct it has taken almost 2 months and I am still being penalized by companies with whom I would do business. So their error filled and erroneous reports are causing me harm and causing me to suffer loss. I wish this stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I wired money to a comapny that is fraudulent and the account is with Chase bank. I tried to get help from Chase but have been unable to. I have insurance docs this company forged as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I communicated to Chase Bank N.A. directly and have been given multiple promises of communication within one to two business have weeks go by with answers. I first communicated with them on XX/XX/ and they have yet to respond. As the original cardholder and holder in due course, I exercised my right to initiate a consumer credit transactions with Chase Bank N.A. to open a credit account. According to federal law ( 15 USC Section 1602 ), a " credit card '' includes any device used to obtain credit, which I have granted your corporation. I am well aware of my rights as a consumer, and credit is a right granted by me, the creditor ( 15 USC Section 1602 ( f ) ). They denied my application, my right to extend credit, and discriminated against me. Additionally, reporting to consumer reporting agencies is voluntary, and I did not receive proper information to opt out. Additionally, I have not received any benefits from the use of my credit. The denial of my right to extend credit has caused me severe financial, discrimination, emotional, and mental distress. Also, I was deprived from my disclosure rights not to allow my personal information to be shared with the public and with 3rd party credit reporting agencies. The only credit bureau that exist is the CFPB. There are no federal laws that empower a credit score, missing credit bureau information, age of account, or the bank to deny me my right to extend credit ( 15 USC Section 1691 ). Discrimination against an applicant in a credit transaction is unlawful ( 15 USC Section 1691 ).

Company response to consumer: Closed with explanation