vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-31 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: FL

Complaint narrative:
I am requesting for the assistance for immediate removal of outdated items from my credit report, which I believe are negatively impacting my credit score. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase offered a {$2000.00} bonus payment for maintaining a {$250000.00} balance in a new account for 40 days. We followed the directions and met with a chase representative, who led us through the process and said that we met the terms and conditions. We have maintained this balance since XXXX yet Chase is refusing to honor the bonus payment. 

The Chase representative, XXXX, is now saying that she made a mistake and the account we opened should have been in a different category. She is the one who advised us on the account we should open, gave us the code to use, and maintained that our account met the terms. If Chase is not honoring this payment now this is fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Klarna AB
State: MD

Complaint narrative:
I applied for a one-time use charge card with Klarna, I was denied because of my credit history. 

This denial was based on a consumer report. I extended my personal information and social security card ( credit card ) in good faith that that would allow me to obtain this financing to purchase a laptop for school. 

I extended my credit to the company but received no benefit and no approval. 

This is a violation of the Equal Credit Opportunity Act which states that you can not deny a consumer access to credit for any reason. Credit is a right of all consumers, so you can not deny me access to it. 

I demand to be allowed to obtain financing through use of my credit so I can purchase the laptop I need for personal, family, and household uses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
" I, XXXX XXXX, am writing to express my concern about the actions of LVNV FUNDING. It has come to my attention that the company has been illegally reporting on my account, and I am requesting that all communication regarding this matter ceases immediately. I do not give LVNV FUNDING permission to communicate with me regarding any alleged debts, as stipulated in 15 U.S.C. 1692c ( a ). The negative reporting on my credit report is defamation of character, and I have the right to seek actual damages according to 15 U.S.C. 1692k ( a ) ( 1 ). This negative reporting has caused me to be unable to secure a new car, and I believe that LVNV FUNDING is engaging in extortion by reporting on my credit for this alleged debt. I am requesting that LVNV FUNDING remove its reporting on my credit immediately, or I will fully exercise my rights as a federally protected consumer and seek legal remedies. I will be sending a letter via certified mail to confirm this request. To avoid any misunderstandings, I have included references to the relevant laws for your convenience. I hope that this matter can be resolved quickly and amicably. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OK

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC
State: CA

Complaint narrative:
On XXXX XXXX XXXX XXXXXXXX posted a collection on my credit report that they purchased from another collection agency ( XXXX XXXX XXXX XXXX ), or they change name. Originally, I already filed a disputed back in XX/XX/XXXX. I stated that it was an identity theft. The collection was removed from my credit report. Now it shows up again with a different company, FRONTLINE ASSET STRATE. They bought back the fraud account from XXXX XXXX again. I already called XXXX XXXX directly to tell them that a drug addict individual that I shared the house with, stole my identity. I opened an account for XXXX internet, and that was it. I didn't open any account with mobile service. They told me to go file a police report for identity theft for something happen years ago. The police department can't do anything unless I can get some form of identification from the individual. The guy got evicted when I was living at the old house. There is no way to track him down or known his where about. Now XXXX XXXX is trying to sell this fraud account to FRONTLINE ASSET STRATE to collect from me again. This will cause a financial burden and hard ship, and my employment, because I have to care for my wife with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i have been reporting this incident for years now and no one hasnt did anything about it. Its alot of things i can not apply for because someone has use my information and open several accounts in my name. My car was vandalized a few years ago in XXXX, tx at a hotel and they stole my bag with my ssn, ids and other personal info. I see students loans, bank/credit unions, utilities, cars and etc thats not mines. And its leaving negative output on my credit report. I need them remove asap. I attached other important to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: OK

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 explanation
Consumer complaint received 2023-08-31 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report with transunion. checking my file ive noticed alot of errors that are causing denials on my credit report an are not following the laws in place. none of the data matches all 3 credit reports. please reveiew an remove the information filed as asap.

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 2023-08-31 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: MA

Complaint narrative:
I have found an inaccuracy in my Credit report ( one Account for three different Creditors ), 1 ) Equifax Credit Report ( XX/XX/2023 ) Account NAME : XXXX XXXX  XXXX XXXX  Number : XXXX Balance : {$880.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX ( XXXX Credit Report XX/XX/2023 ) Account NAME : XXXX XXXX Number : XXXX Balance : {$610.00} XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX Tel ( XXXX ) XXXX XXXX ) Account NAME : XXXX XXXX, XXXX XXXX  Number : XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX One Account belongs to three Creditors. ( Account Number ) This is an inaccurate report, according to the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I am planning to buy a home one day so I pulled all of my credit reports. I am not in a contract with this agency National Credit Systems, and I did not sign a contract with National Credit Systems I have no knowledge of this collection account. 
I am not liable for any debt eigh National Credit Systems and they did not provide me with what I requested which was original contract.Touch and hold a clip to pin it. Unpinned clips will be deleted after 1 hour. 
This is debt that is not mine is defamation, effecting my credit, my reputation, and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2023 With reference to section 609 of the FCRD Act, I would like to request further information on the following item as recorded on my credit report I request that you provide the original documents for this information containing my appended signature and any other related information if this information is unavailable i am requesting a removal as soon as possible EXPERIAN I XXXX XXXX XXXX recently reviewed my credit report and I found unauthorized number, account wrong listed on records etc., EXPERIAN ACCOUNT # XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally funded yprotected consumer rights to privacy and confidentiality under 15 USC 1681. These are account I want DELETED AN ARE UNAUTHORIZED Here as no permissible use and are not accounts that I have not had relationships with and are all unauthorized an have no Permissible use and are all unauthorized an have no Permissible use.

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific 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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-31 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: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: DApps Platform, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX {$200.00}, XX/XX/XXXX {$800.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$500.00}, XX/XX/XXXX {$550.00}, XXXX {$850.00}, XXXX {$60.00}, XXXX {$570.00}, XXXX {$2000.00}, XX/XX/XXXX {$600.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$1400.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$1100.00}, XX/XX/XXXX {$600.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$1000.00}, XX/XX/XXXX {$600.00}, XX/XX/XXXX {$60.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$60.00}, XX/XX/XXXX {$300.00}, XX/XX/XXXX {$550.00}, XX/XX/XXXX {$520.00}, XX/XX/XXXX {$600.00}, XXXX {$640.00}, XXXX {$600.00}, XXXX {$500.00}, XXXX {$800.00}, XXXX {$900.00}, XXXX {$300.00}, XXXX {$400.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$350.00}, XX/XX/XXXX, {$500.00}, XXXX {$1500.00}, XX/XX/XXXX {$500.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XXXX XXXX, XXXX {$1200.00}, XX/XX/XXXX {$50.00}, XX/XX/XXXX {$100.00} and XX/XX/XXXX {$850.00}. This totals {$59000.00}. 

Four times I have put in to have my money released since the middle of XXXX. Trust Wallet decided instead of releasing my money to put it in a VIP account. For {$20000.00} I would not have any additional fees and could have my money released per the email they sent me. An activation deposit was sent. {$20000.00} was sent. No mention of a late fee. XX/XX/XXXX, it was paid off XXXX. I received an email I would receive my money in XXXX to 10 days. A few hours ago I received an email I now owe a {$550.00} late fee. Late fee? I have no emails from this company about a deadline or late fee. They refuse to release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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, specifically 15 USC 1681 section 602 subsection a, it emphasizes the importance of consumer reporting agencies fulfilling their responsibilities in a fair, impartial, and respectful manner towards individuals ' privacy rights. XXXX Equifax and XXXX are examples of such agencies, and as a consumer, I have the right to safeguard my personal information from being shared. This right is reinforced by 15 USC 6801, which states that financial institutions have an ongoing obligation to uphold customer privacy and protect the security and confidentiality of their nonpublic personal information. By definition, the " furnisher of information to credit agencies '' falls under the category of financial institutions. Moreover, 15 USC 1681 section 604 subsection a subsection 2 specifies that consumer reporting agencies can only provide consumer reports under certain circumstances and with the written instructions of the relevant individual. Neither the financial institution nor the consumer reporting agencies, XXXX Equifax and XXXX, have obtained my consent in writing or any other form. Consequently, any consent previously given to XXXX Equifax, XXXX, or the " furnisher of information to credit agencies, '' whether expressed verbally, non-verbally, in writing, implied, or otherwise, is hereby revoked. According to 15 USC 6802 subsections b and c, a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without explaining to the consumer how they can exercise their option to maintain nondisclosure. However, the " furnisher of information to credit agencies '' failed to inform me of this right. Furthermore, as per 15 USC 1681C subsection a subsection 5, no consumer reporting agency is permitted to include certain adverse information in a consumer report unless authorized under subsection b or if the information is a record of a crime conviction that predates the report by more than seven years. Since this account is an adverse item being reported without my consent, it is a violation of the law. Additionally, 15 U.S. Code 1681s2 subsection A subsection 1 prohibits any person from furnishing inaccurate information about a consumer to a consumer reporting agency if they have knowledge or reasonable cause to believe it is inaccurate. Moreover, 15 U.S. Code 1681e mandates that consumer reporting agencies establish and maintain reasonable procedures to prevent violations of section 1681c and to restrict the provision of consumer reports to the purposes listed in section 1681b. XXXX Equifax and XXXX have not demonstrated reasonable procedures in this regard. Lastly, as outlined in 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services.

Company response to consumer: Closed with explanation