vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This bankruptcy reporting error was initially disputed on XX/XX/2019 and has been disputed several times over the past few recent months to which Experian has refused to take any XXXX public record was reported verified by their company and deemed accurate. However, this bankruptcy record reported by Experian is inaccurate due to the court listed on file. The court name reported on my report is inaccurate as this court in XXXX does not exist, nor were there any bankruptcy proceedings involving myself in XXXX court. The information that they have listed on my credit report was also not verified by any court as per the documentation submitted with the dispute to their company.

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 2023-11-17 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: MO

Complaint narrative:
I have formally requested the removal of the following information from my report : In XXXX, a XXXX XXXX XXXX  was opened under my name without authorization. I promptly contacted XXXX XXXX, requesting closure of the account due to its non-affiliation with me. Additionally, XXXX, identified as a collection agency for XXXX XXXX, does not represent any legitimate account of mine. Notably, both XXXX and XXXX have already expunged this information from my credit report and restricted XXXX XXXX 's access to my profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX is reporting late payments on my credit bureau when I was under federal bankruptcy protection. Even according to their own attached letter, I was under federal bankruptcy protection, and when I got out of federal that bankruptcy protection on XX/XX/XXXX, I immediately sold the residence which actually was sold prior to XX/XX/XXXX but it takes a little while for the house to close and therefore I should not have a late payment on my account.

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 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: AR

Complaint narrative:
On XX/XX/2023, I was attempting to make a payment online to my aspire account. I noticed that my available balance was not reflecting the correct amount but I proceeded to make a payment. Upon paying down my balance I thought that I had accidentally made XXXX payments which prompted me to call into the customer service line. During that phone call with a representative named XXXX I learned that my account was actually in collections with no notice given to me. Upon further review, I learned that my credit limit had been lowered, I learned that my account was no longer active and I also learned that while my account is not active and in collections I was charged a {$25.00} authorized users fee when Im not even authorized to use the card per XXXX. I was confused about this so I asked to speak with a manager by the name of XXXX. Upon talk to XXXX I learned that my account was actually locked due to fraud activity and that if I made a payment that customer service could unlock my account. XXXX couldnt explain ther service fee, he could tell me why I got a Thank You For Your Payment prompt online though he wasnt seeing the XXXX payments of {$280.00} that I thought I paid and that if I called back tomorrow customer service could reactivate my account. Ive had friends tell me that they have had some fraudulent charges placed on their accounts that they had to dispute and have removed and so I would like my concerns to be investigated further because Im uncomfortable with the additional fees if my account is in collections and not active, the fact that Im not receiving any notice of whats happening with my account or the credit limit decreases, no one was able to further explain the status of my account even though XXXX is a manager and the fact that my account was supposedly closed for fraud months ago before the account was sent to collections and I was charged a {$25.00} fee for a card I can not use currently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17 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: NY

Complaint narrative:
I recently initiated the process of purchasing a house, and during the mortgage application, I discovered several inquiries on my credit report that were not made by me. Additionally, there are negative items, collections, and late payments reported that are inaccurate and have resulted in significant damage to my credit report.

However, after conducting thorough inquiries with the respective companies in the credit reports, it has been confirmed that they do not have any records of me in their systems, and still, the credit bureaus refuse to do a proper investigation to correct my credit reports.

I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), which leads me to acknowledge that these creditors have violated my rights under 15 USC 1681, Section 602, which states I have the right to privacy, and 15 USC 1681, Section 604a, Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions. 

The Fair Credit Reporting Act ( FCRA ) prohibits the reporting of inaccurate information and ensures the accuracy, fairness, and privacy of information in consumer reports. The inclusion of unauthorized inquiries and inaccurate negative information on my credit report is not only a violation of my rights under the FCRA but also constitutes defamation of my character. 

Account XXXX XXXX XXXX  Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: NY

Complaint narrative:
I recently initiated the process of purchasing a house, and during the mortgage application, I discovered several inquiries on my credit report that were not made by me. Additionally, there are negative items, collections, and late payments reported that are inaccurate and have resulted in significant damage to my credit report. 

However, after conducting thorough inquiries with the respective companies in the credit reports, it has been confirmed that they do not have any records of me in their systems, and still, the credit bureaus refuse to do a proper investigation to correct my credit reports. 

I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), which leads me to acknowledge that these creditors have violated my rights under 15 USC 1681, Section 602, which states I have the right to privacy, and 15 USC 1681, Section 604a, Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.

The Fair Credit Reporting Act ( FCRA ) prohibits the reporting of inaccurate information and ensures the accuracy, fairness, and privacy of information in consumer reports. The inclusion of unauthorized inquiries and inaccurate negative information on my credit report is not only a violation of my rights under the FCRA but also constitutes defamation of my character. 

Account # XXXXXXXX XXXX Account # 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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX is reporting late payments on my credit bureau when I was under federal bankruptcy protection. Even according to their own attached letter, I was under federal bankruptcy protection, and when I got out of federal that bankruptcy protection on XX/XX/XXXX, I immediately sold the residence which actually was sold prior to XX/XX/XXXX but it takes a little while for the house to close and therefore I should not have a late payment on my account.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX is reporting late payments on my credit bureau when I was under federal bankruptcy protection. Even according to their own attached letter, I was under federal bankruptcy protection, and when I got out of federal that bankruptcy protection on XX/XX/XXXX, I immediately sold the residence which actually was sold prior to XX/XX/XXXX but it takes a little while for the house to close and therefore I should not have a late payment on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: VA

Complaint narrative:
I am writing to bring to your attention a matter of great concern regarding the accuracy and completeness of the information contained in my credit report. After a thorough review, I have identified discrepancies that I believe warrant immediate investigation and correction. 

Specifically, I dispute the notation of a late payment on my credit report, which I assert is inaccurate. To address this issue, I kindly request that you conduct a comprehensive investigation into the details of this account, ensuring that all data, including notation dates and balances, is reported accurately, regardless of whether it has been formally reported or not. The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX In addition, I respectfully request proof of the alleged late payments. According to consumer protection laws, if you are unable to provide such evidence, or if proof of late payments is lacking, I insist that my payment history be updated to reflect a PAANL status ( Paid as agreed, never late ). Furthermore, I request that a corrected credit profile be supplied to any creditors who have requested a copy of my report in the last six months.

To ensure transparency and adherence to legal guidelines, I am also seeking clarification on the procedures used to determine the accuracy and completeness of the information on my credit report. I understand that, as per regulations, this information must be provided within 15 days of the completion of your reinvestigation. Additionally, I am aware that federal law grants a 30-day timeframe for the completion of your investigation.

I must emphasize the importance of validating the items in question with the XXXX  reporting creditor for accuracy. If any information can not be verified by the creditor, I request its immediate removal from my credit report. I expect this process to be completed within 30 days of your receipt of this letter, as mandated by law. 

Your prompt attention to this matter is greatly appreciated. I trust that you will conduct a thorough and fair investigation to rectify the inaccuracies in my credit report. I look forward to receiving a response within the stipulated timeframes. 

Thank you for your understanding and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2023 unauthorized inquiries were made on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: Global Lending Services LLC
State: MD

Complaint narrative:
On XX/XX/2023 unauthorized inquiries were made on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Fraudulent unauthorized credit inquiries with no line item link to credit report caused by identity theft.

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 2023-11-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2023 unauthorized Inquiries were made with using my information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Earnest Inc.
State: OH

Complaint narrative:
Attempted to refinance my daughter 's XXXX school loans ( which I co-signed for ) with Earnest into one loan to make it clearer & easier for her to pay back. Same total amount, similar interest rates, same payment amount. I am on XXXX due to XXXX caused by military service and 100 % of my income comes from the gov't ( VA and XXXX ). They went back a number of years somehow and pulled the lowest credit score they could find of XXXX from XX/XX/2022 ( which happened to be the month following a 2-week long XXXX vacation I took my XXXX kids on and I immediately paid off that following month ) and claimed they were concerned my score was too low and that I wouldn't be able to make payments if I got sick, injured, or became unemployed- which isn't even applicable to me. I believe this was willful discrimination because I am a XXXX veteran on public assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality 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 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  has violated my rights . Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality 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 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 has violated my rights . Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Albert Corporation
State: OH

Complaint narrative:
I contacted my bank just before XXXX EST. My payday is every other Tuesday but this bank provider always pays me on a Friday or earlier depending on if theres a holiday. I contacted my employers payroll department to confirm that they in fact wired my paycheck to my chosen bank for direct deposit prior to XX/XX/2023. The bank requested my official pay stub, my account and routing number, all of which I provided to them because they told me they would escalate the issue and this would help them resolve the issue faster. Little to my satisfaction they did not escalate or resolve this issue and I still have not received the funds that I am due and have no way to feed my child or pay my bills.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
so I placed an order for items from this merchant XXXX XXXX XXXX XXXX XXXX, but I decided to cancel some of the orders. However, the workers said I could not cancel and so i was charged the amount. I found this to be ridiculous because every restaurant in the city or Country was allowing me to cancel my orders. They basically just told me that they can not cancel and that I have to take the orders. I decided to file it with the bank but they did not understand my issue when I filed a dispute with them. I tried to talk to the merchants first but since that failed I filed a dispute with my bank. 

The amount was {$17.00} and my claim number XXXX with number ending in XXXX Full account number is XXXX Date closed - 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 monetary relief