vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I was involved in a non-fault accident that caused my car to be totaled. My insurance company paid Kia Motor Finance  {$14000.00} in XXXX, which left me with a gap. In XXXX, the dealership canceled all my extended warranty in which they sent Kia Motor Finance a {$2500.00} check, which still left me a balance. I purchased the debt cancellation agreement on my contract with Kia Motor Finance, meaning if my insurance company doesn't pay the entire balance, XXXX will cover the difference. Kia Motor Finance continued to send me monthly statements via kmusa.com, which I made those payments while waiting for XXXX to pay the remaining balance off. Kia ends up charging my account off which is wrong. 

Under the Truth Lending Act - Kia Motor Finance is violating - 1. ) 15 U.S Code 1605 ( a ) ( 5 ) - Premium or other charge for any guarantee or insurance protecting the creditor against the obligor 's default of other credit loss.

2. ) 15 U.S Code 1666b ( 4 ) - The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

Federal Regulations - Creditors in the United States must charge-off installment loans after 120 days of delinquency. There are no late payments on this account or past due this account needs to be updated to be paid in full and closed.

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 2022-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WV

Complaint narrative:
{$3200.00} was transferred to an account that was not authorized. I filed a police report and was denied saying " no error occurred ''. This is caused by identity theft that was confirmed by XXXX. I also had credit card applications put in my name that wasn't approved. Police Report reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Moore Law Group
State: AZ

Complaint narrative:
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against The Moore Law Group, XXXX for committing Identity Theft. I have never given The Moore Law Group, XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with UCC Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are liable for violations under 15 U.S. Code 1692e ( 12 ).

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a Cease and Desist of all illegal activity, any communication and collection activity, of this and any alleged debts until The Moore Law Group, XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and The Moore Law Group, XXXX continues its collection efforts, I will file for litigation for actual damages caused, and The Moore Law Group, XXXX will be held criminally liable for aggravated Identity Theft pursuant to 18 U.S. Code 1028A, extortion, theft by deception, securities fraud, and mail fraud.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. 

Account # : XXXX Reference # : 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 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and end consumer credit plan as late for any purpose. 

Please Have XXXX XXXX XXXX # XXXX remove immediately because violating my rights will lead to legal liability being taken for each of these violations.

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 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 asked EXPERIAN to do a verification of everything on my consumer report and they stated they did and that everything was already verified as accurate. However I did my own investigation and found several inaccuracies on my consumer reports, even after EXPERIAN said everything was verified and they conducted a full " investigation ''. Experian removed the XXXXXXXX XXXX account in XX/XX/XXXX of 2021. Then experian reinserted XXXXXXXX XXXX  on XX/XX/2021 which then violated me per 15 USC 1681i. I have been struggling with the following accounts ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian and the companies listed above have all violated my rights several times over and caused me several damages.

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 2022-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello and thank you for taking the time to help me out, I wanted to please reach out because my checking account for my business was charged insufficient fun fees and wanted to please see if Im eligible for a courtesy waiver. This account was supposed to be closed however The Chase representatives did not give me the opportunity to do so Im not allowed for transactions to go through when they were not supposed to. I just want to bring the account current so I can close it out entirely please. And please requesting for the fees to be reversed that way I can bring the account current, thank you so much

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am submitting this complaint because Transunion has failed to provide relief to a previous complaint and continues to violate my rights under the FCRA. I submitted a previous complaint # XXXX to the CFPB against Transunion about inquiries on my credit report. Transunion responded XX/XX/22 that they were reviewing the complaint and would follow up within 60 days. On XX/XX/22 they responded that the investigation results would be sent via US mail within 7 business days. I never received the investigation results and through US mail. Also, in the description of non-monetary relief, they stated inquiry deleted. 

The inquiries are still on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 

Not only did the investigation results were not shared but also Transunion has violated federal law : 15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2. States that my written consent is needed to furnish my consumer report. 

I DID NOT give written instructions to furnish my consumer report with these inquiries.

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 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX To : ( XXXX, XXXX, equifax ) Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX From : ( XXXX XXXX XXXX Address : ( XXXX XXXX XXXX XXXX  XXXX XXXX, Ga XXXX ) Dear Consumer finance protection Bureau XXXX XXXX XXXX and Equifax and XXXX Pursuant to the FCRA & the FDCPAI now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
my identity was stolen and was used to apply for accounts that I personally DID NOT apply for. there are hard inquiries from varies company that has stolen information with out my signature or my consent. 

XXXX XXXX Bank XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX UXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALL CREDIT CAR SALES XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ALL CREDIT CAR SALES XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AMEX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and end consumer credit plan as late for any purpose. 

Please Have XXXX XXXX XXXX # XXXX remove immediately because violating my rights will lead to legal liability being taken for each of these violations.

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 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and end consumer credit plan as late for any purpose. 

Please Have XXXX XXXX XXXX # XXXX remove immediately because violating my rights will lead to legal liability being taken for each of these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: GA

Complaint narrative:
I was informed via Email that my card would be put on a security freeze while they verified my identity. It had been over 2 weeks since I went through the required steps that Discover asked and I'm still unable to use my card. There was no indication this would be done otherwise I would have opened another credit card to use. This is a bad practice and as I said there was no indication from Discover that this would be done.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX Number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, 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 XXXX  XXXX  XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 sec 602 A states I have the right to privacy.

15 U.S.C 1681 sec 604 A section 2 : It also states a consumer reporting agency can not furnish an account with out my written instructions.

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 2022-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2022 I was informed by PAYPAL XXXX  via e-mail that my account is permanently limited and that my monies would be held 180 days, after calls and further attempts to contact them they would not inform me as to why they took the action other to say some violation of their user agreement. They did not elaborate. I do not sell items utilizing PAYPAL so there is no need for them to worry about recourse or returns. They are holding {$60000.00} US dollars and keeping me in the dark. After much research online I'm learning that this is happening to many people and after they wait the 180 days they are told their money went to a {$2500.00} fine per user agreement violation ( no mention of which violations ) and said monies are essentially stolen by PAYPAL. PAYPAL has artfully created a stipulation that in their user agreement any disputes must be arbitrated. This is a costly and confusing process for many. This is a travesty that is happening to people across the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, 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 XXXX  XXXX  XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 sec 602 A states I have the right to privacy.

15 U.S.C 1681 sec 604 A section 2 : It also states a consumer reporting agency can not furnish an account with out my written instructions.

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 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, 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 XXXX  XXXX  XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 sec 602 A states I have the right to privacy.

15 U.S.C 1681 sec 604 A section 2 : It also states a consumer reporting agency can not furnish an account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
Delete Late payments from Opp Loans from, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Credit karma claims pre approved status before applying for a credit card, and those claims are false and caused me to drop my credit score immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Revenue Corporation
State: NC

Complaint narrative:
I received debt validation from United Revenue and appreciate them clearing this matter. As a result, I submitted payment via certified funds to clear my {$840.00} balance. Per their credit reporting policy and the new bill introduced in the United States Congress, medical collection accounts will be deleted when they are paid in full. However, my account has not been deleted. Since I have submitted payment in full, I kindly ask that this account be removed from my credit report, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, 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 Office of XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 sec 602 A states I have the right to privacy.

15 U.S.C 1681 sec 604 A section 2 : It also States A consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation