vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I closed a XXXX account, and they had equipment charges that were not correct. After XXXX searched and realized their mistake they corrected the account. Months after they reported as a collection debt. I disputed it and it was removed from my credit. Months after it shows up again in my credit. I put again a dispute, and it was not removed. I called XXXX, the collection agency, my credit monitor XXXX and they did not remove it. I started again a second dispute with Experian, and they did not remove it. So, I submitted a third dispute and they have not responded. Emails say that its pending investigation. The only thing I want is that Experian removes this information from my record once and for all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

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 | ACCOUNT # XXXX, XXXX XXXX | ACCOUNT # XXXX, XXXX XXXX | ACCOUNT # XXXX, XXXX XXXX | ACCOUNT # XXXX, XXXX | ACCOUNT # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

My dispute remains unresolved, and I am deeply concerned about the negative impact these inaccurate accounts are having on my credit score and financial well-being. I have provided substantial evidence supporting my claim.

I urge you to immediately investigate these discrepancies and remove the disputed accounts from my credit report permanently. Failure to do so within 15 days will unfortunately force me to escalate this matter further.

Please be advised that I have contacted the XXXX XXXX XXXX XXXX XXXX to seek guidance and assistance in resolving this issue. Additionally, I am prepared to pursue legal action for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. This includes the potential for seeking damages arising from the harm caused by these inaccurate reports.

I sincerely hope that we can resolve this matter amicably and avoid the need for further action.

Please respond to this letter within 15 days with a confirmation of the removal of the disputed accounts. I look forward to a prompt and satisfactory resolution,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MD

Complaint narrative:
To Whom it may concern I have recently review a copy of my consumer report and have noticed that there is a collection furnish on my report that I know nothing about, nor am I sure that it is even my debt. The misinformation being furnished to my consumer report is negatively effecting my credit worthiness and may have substancial financial consquences for me and my future The debt furnished on my consumer report reads as followed I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX According to the Federal Laws governing debt collection and Credit Reporting FDCPA and the FCRA you have violated my consumer rights under the following 12 CFR 1006.34 ( b ) ( 5 ) 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 12 CFR 1006.34 ( d ) 15 USC 1681s-2 ( a ) Debt collectors are required to abide by these strict guidelines inorder to ensure the accurancy of the debts that they report and providing verification of the debt upon the request from a consumer I XXXX XXXX am formely requesting the following actions to be taken in regards to the incorrect debt being furnished on my consumer report 1 - Provide me with detailed information about the ownership of the debt in question to include the account number, original creditor, and all documentation related to this debt to include your forward flow agreement between your company and the original creditor 2 - Cease any and all collection activities in relation to this debt until the validation process is complete 3 - Investigate the source of the error and promptly update my consumer report with the 100 % accurate information 4 - Confirm in writing that this debt has been removed from my consumer report and that there will no longer be any attempts to collect on this debt I am urging your agency to comply with the above requested actions as it is mandated by Federal Law. So please do so inorder to prevent any potential legal consequences for non compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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:
The credit reporting agency is reporting an undeliverable address. The addresses are as follows : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXXt XXXX FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Client Services, Inc.
State: CO

Complaint narrative:
A collector at Client Services lied to me and said that I absolutely had to make a payment when they demanded it be paid. I called Client Services in XX/XX/2023 to begin a payment plan that month. But I called them again prior to the XX/XX/2023 due date as I needed the plan to begin on XX/XX/2023 instead. The same collector said I was not allowed to do that and that I was required to begin paying in XXXX. I was intimidated into complying to his demand and was told to make a payment by the end of XXXX at the latest ( and continue to pay each month thereafter ), regardless of the fact that Client Services does not even own the account. I have since paid them each month in good faith, but only because I was daunted and lied to. I would have filed this complaint/dispute sooner had I known that it is illegal for collectors to intimidate and/or lie to consumers. I was told that was obligated to start paying on the month of their choice. There was not, and still is not, a written notice, agreement, nor policy signed stating that I was required to pay them ( for an account they do not even own ) as soon as they said I must. Client Services used intimidation and deception so that I would believe I had no right to decline their terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Sterling Infosystems Inc.
State: IL

Complaint narrative:
Upon receiving my criminal review sterling was asking my employer to consider XXXX  from XXXX  years ago when I was XXXX and Im almost XXXX XXXX XXXX in the state of Illinois our Government passed a law that anything thats over XXXX years isnt used against us its illegal to do so this company refuses to follow our laws see laws and its XXXX years for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, this statement is being generated on my own behalf. Per the FCRA, these accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681 Section 602, Section 1681c-2, and 1681 B. These companies are in violation of these laws. US DEPARTMENT OF EDUCATION, XXXX XXXX, XXXX XXXX XXXX XXXX Furthermore, I am also a victim of identify theft. Per 15 U.S. code Section1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identify theft : XXXX XXXX AXXXX 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 2024-02-24 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:
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 XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX  XXXX I have the right to privacy. 

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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2024-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC

Complaint narrative:
They are repeatedly harassing my references and myself. They have sent my references and work hundreds of messages and calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
on XX/XX/2024 I submitted a report about me informing XXXX  XXXX, XXXX, and goldman sachs of my decision to exercise my rights under the provisions of XXXX XXXX XXXX of the Gramm-Leach-Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information. 
As a federally protected consumer, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my nonpublic personal information with non-affiliated third parties including the consumer reporting agencies for any purpose I wish to exercise my right to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. 
Please take immediate action to ensure that my nonpublic personal information is not disclosed to non-affiliated third parties and consumer reporting agencies in violation of my opt-out request. I trust that your institution will comply with all applicable federal regulations and laws, including the XXXX, to protect my privacy and information security. 
I kindly request written confirmation of my opt-out request, acknowledging that my decision has been processed and implemented. These companies are still reporting charge-offs on my report even though I am using the law and exercising my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: NJ

Complaint narrative:
I have XXXX unauthorized credit inquiries on my XXXX report as of XX/XX/2023 : XXXX XXXX XXXX [ XXXX ] XXXX XXXX XXXX XXXX XXXX ] XXXX XXXX XXXX [ XXXX ] I called the respective above numbers as seen in my credit report to enquire the reason for the inquiry. However, they kept redirecting me to another department and they could not find this hard inquiry in their record checked using my SSN. Some of the creditors were unreachable as well despite I made multiple attempts to connect with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: NJ

Complaint narrative:
I have XXXX unauthorized credit inquiries on my XXXX report as of XX/XX/2023 : XXXX XXXX XXXX [ XXXX ] XXXX XXXX XXXX [ XXXX ] XXXX XXXX XXXX [ XXXX ] I called the respective above numbers as seen in my credit report to enquire the reason for the inquiry. However, they kept redirecting me to another department and they could not find this hard inquiry in their record checked using my SSN. Some of the creditors were unreachable as well despite I made multiple attempts to connect with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XXXX XX/XX/XXXX, I called Capital One Bank to make a monthly payment. I asked the agent what would be the lowest payment amount that I could make without being reported 30 days late to the XXXX credit bureaus and still be current. She asked me if I could make a certain amount and I asked her if she could give me a second amount that would allow me to be current and not reported 30 days late. She told me to hold on for a few minutes as she made a new calculation and told me that the lowest amount to be current and not reported as 30 days late would be {$17.00}. I even remember asking her if she was sure that the {$17.00} would be enough and she laughed and replied yes and not to worry. So later on, on XXXX XX/XX/XXXX, I got an alert from XXXX stating that I was XXXX payments past due. I immediately called Capital One and explained to the agent who answered the phone what had happen and she transferred me over to a supervisor. The supervisor told me to hold on while she pulled up the conversation. After XXXX minutes she came back to the phone and told me to give them 10 days to call me back with a decision. Today is XXXX XX/XX/XXXX and no one has gotten back to me. I have been with Capital One since XXXX off and on and have never ever in my life been late with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Requested validation of debt shows all of the accounts are reporting as open on my credit report. Reporting incorrectly which is a violation reported as open on my credit report Midland credit Management XXXX XXXX XX/XX/2024 XXXX XXXX XXXX balance XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Requested the following from the companies above The name and address of the original creditor The original creditors account number The amount owed A copy of the last billing statement from the original creditor The date the original creditor claims this debt became delinquent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I received my refund advance in my XXXX money account ( XX/XX/24 ) and on XX/XX/XXXX they froze my account after i used my advance. An entire month later my remaining tax refund was deposited into that account- which is still frozen and I can not even access my money. I have called, emailed, wrote them on social media platforms and also have already supplied them with all the documents they requested to verify my identity and they have yet to unlock my account so I can get my money. At this point I am beyond frustrated and would just like my account unlocked and my account closed!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-24 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: MD

Complaint narrative:
The negative XXXX XXXX XXXXXXXX account is more than XXXX XXXX XXXX. I requested Equifax to delete the account and it was not. Both XXXX and XXXX have removed it from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — Store credit 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I purchase and item totaling XXXX XXXX make an initial charge of {$400.00} my chase Amazon XXXX card to be able to ship item, next day I cancel item due to the item difucult use, i cant yse this on my self I had to show someone else, it was comolicated to use a portsble Defribilator. 
Next day I cancel item and Amazon reflected this on my account. XXXX attempted Delivery on XX/XX/year> I refused the XXXX attempted delivery. 
The balance of XXXX was supposed to be bill by amazon in monthly installment.

Since item was cancel and package refused on attempted delivery.

I have put a dispute through Chase showing documents emails, responses from amaxon showing tracking of package and refusal of item tracking it back to UPS This is been going on since XX/XX/year> Chase told me that Didpute time have pass, I took Chase 3 months to rule on Amazon favor then closing Dispute.

I sent a Fax requesting a, reopening of the dispute again with all documentation reflecting package cancellation, refusal of attempted delivery by XXXX. Amazon keep refusing to refund me {$400.00}. 

I contacted Chase Executive offices complaining abou this issue. I receive a Chase internal letter XXXX XXXX stating the same outcome Chase telling me that is been so long since XX/XX/year> that Amazon is refusing to refund me and that the charge of XXXX was valid. 
Showing all the documents sent by Amazon to me about cancellation and package refusal. Is not fair what there doing is ore disgusting having all the require documents showing to rule on my favor and simply refund my XXXX and Chase the provider of card not protecting me as their consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
A collector at XXXX XXXX lied to me and said that I absolutely had to make a payment when they demanded it be paid. I called XXXX XXXX in XX/XX/year> to begin a payment plan that month. But I called them again prior to the XX/XX/year> due date as I needed the plan to begin on XX/XX/year> instead. The same collector said I was not allowed to do that and that I was required to begin paying in XXXX. I was intimidated into complying to his demand and was told to make a payment by the end of XXXX at the latest ( and continue to pay each month thereafter ), regardless of the fact that XXXX Services does not even own the account. I have since paid them each month in good faith, but only because I was daunted and lied to. I would have filed this complaint/dispute sooner had I known that it is illegal for XXXX to intimidate and/or lie to consumers. I was told that was obligated to start paying on the month of their choice. There was not, and still is not, a written notice, agreement, nor policy signed stating that I was required to pay them ( for an account they do not even own ) as soon as they said I must. XXXX XXXXs used intimidation and deception so that I would believe I had no right to decline their terms.

Company response to consumer: Closed with explanation