vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Hey Chase, my money has been held in chase for about 3-4 months now I had a check and didnt have a ID at the time and signed it over to my mom which she mobile deposited into her chase account she opened, they said they couldnt verify my phone number in my name and said I cant go up the the bank with my social and my id and the original check with my mom the person who deposited my chdck. I got a new phone for XXXX $ and still said they couldnt verifty my number and at this point its like my funds are being held for no reason they called and verified with the bank a cashiers check and keep saying my number isnt registered to my name when it is. 
XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( my check )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, California XXXX XX/XX/XXXX Personal Information Update Equifax ; I just looked at my credit report and was shocked to the amounts of errors you have listed. I am writing to have them immediately removed. 

The following account has been paid in full via negotiable instrument received by the company. 
The following account needs to be reported as paid in full or removed immediately XXXX XXXX XXXX XXXX XXXX  Reason : Please verify and validate ALL data for this account, every notion, dates and balances, whether reported or not The following account has been paid in full via negotiable instrument received by the company. 
The following account needs to be reported as paid in full or removed immediately XXXX XXXX XXXX XXXX XXXX XXXX  Reason : Please verify and validate ALL data for this account, every notion, dates and balances, whether reported or not The following inquiries were made without my knowledge or consent and I would like to be provided proof that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like them all removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand that each of these violations are {$1000.00} per each error and account per 15 USC 1681n ( a ) ( 1 ). I will be attaching a bill of particulars for your convenience. 

As the consumer I need this resolved immediately. See 15 USC 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

By provisions of the Fair Credit Reporting Act, I DEMAND that these items be removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the above address. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive been a victim of 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 explanation
Consumer complaint received 2023-09-24 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: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I inquired about debt that was on my credit report. Most of this debt happened when i was incarcerated. I didn't open any of these lines of credit. 

Also : 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 an account without my written instructions. 
15 USC 1666B A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: WA

Complaint narrative:
I have listed on my credit report the name XXXX XXXX. 
I have been the victim of online bullying and identity theft. 
Please complain to have the name removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have listed on my credit report the name XXXX XXXX. 
I have been the victim of online bullying and identity theft. 
Please complain to have the name removed from my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 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:
To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately.

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 2023-09-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I co-signed a loan for my sister. Navient negotiated a settlement for the loan without consulting me. Then they reported negative information on my credit report which they are still reporting. This ended up costing me at least XXXX basis points on a recently opened mortgage. This is the only unfavorable information on my credit report and its making my credit score XXXX. This is completely egregious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One Bank has participated in unfair and deceptive practices with their VentureOne credit card. I was charged a fee for XXXX on XXXX for not paying my full previous balance. This is not accurate. I paid my balance in excess for the month, but Capital One said I did not get credit for the payment of XXXX because it happened one day before my cycle date. I attempted to call and resolve on XX/XX/XXXX but the specialists and supervisors we uncooperative and rude. The funds were not withdrawn from my account until the DAY AFTER cycle ( XX/XX/XXXX ). They also stated they have no ability to reverse fees. Their system does not allow it. I know for a fact this is not true and do not appreciate being lied too. They need to be held accountable for not only how they treat their customer of over 15 years but also providing false and inaccurate information about what they can and can't do. I attempted to escalate further but the response I was given was to call back and I would get another specialist and I could then ask for a different supervisor. They expected me to stay on hold in the effort I would just give up. This has now become not about the money, but about how this company thinks it can treat a loyal customer. If they do this to someone that has been with them over 15 years, I can not imagine how they treat other customers. Capital One should be embarrassed with how their specialists and leadership treat me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive been a victim of 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 2023-09-24 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: CA

Complaint narrative:
Ive been a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below 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 2023-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. 
When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXXXXXX ( 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 2023-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
i had numerous phone calls asking my name and to verify my personal information with out them identifying who they are. they dont identify themselves as a person or from which company. all they say when i pick up is may i speak to me and it is regarding a buisness matter and when i ask who is this they dont confirm who they are i keep getting several of these calls in a day and throughout the week i believe that it could be from midland credit managment they are the only known ones that have been contacting me with mail about payment plans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 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:
To whom it may concern : The Fair Credit Reporting Act provides me with the opportunity to contest any information on my credit report that I believe is not accurate. I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. 
Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case! 
Below is a summary of the data in which I am challenging

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 2023-09-24 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 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: NC

Complaint narrative:
I am writing to express my deep concern and frustration regarding a dispute I have raised with Equifax concerning unauthorized hard inquiries on my credit report. These inquiries are inaccurate, have a detrimental impact on my creditworthiness, and I urgently request their removal in accordance with the Fair Credit Reporting Act ( FCRA ). 

The following unauthorized hard inquiries have been reported on my Equifax credit 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 I have diligently reviewed my credit report and can affirmatively state that I neither authorized nor initiated these inquiries. The inaccuracies in my credit report are not only damaging my credit score but also affecting my financial well-being. It is my understanding that the FCRA mandates accurate reporting by credit bureaus, and the presence of unauthorized and erroneous hard inquiries directly contradicts this requirement. 

I have previously contacted Equifax to dispute these inaccuracies, providing all necessary documentation and information to support my claim. However, despite my efforts, Equifax has not taken appropriate action to rectify the situation, and these unauthorized inquiries remain on my credit report. 

I kindly request your intervention in this matter to ensure that Equifax promptly investigates and resolves this dispute in accordance with the law. I urge you to take immediate action to facilitate the removal of these inaccuracies from my credit report to restore the accuracy and integrity of my credit profile. 

I appreciate your attention to this matter and request that you keep me informed of the progress and resolution of this dispute. I look forward to a swift resolution in compliance with the FCRA. 

Thank you for your assistance in this crucial matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
they called during the time i was at work. i kept receiving the calls through out the week so i picked up and during the conversation they were trying to identify some debts that i willing to settle with them during that conversation i did ask for an employee number and asked for me to consider this a legit phone call i would like something in writing or emailed about the two account i did verified with them about two defaulted credit cards and while i told the representative to hold on a sec she casually slipped some third acct that i allegedly owe while i was speaking to my worker and then what seemed like she took that piece of recording as confirmation of that debt validation which was personal loan from XXXX XXXX according to my credit report. after that the conversation became unfriendly and difficult and never received and letter or email or phone call from them as i recall.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to report a case of identity theft that has resulted in fraudulent information appearing on my credit reports from XXXX, Experian, and XXXX. This situation is causing severe harm to my credit, personal life, and the well-being of my family members. Despite following all required legal procedures and providing necessary documentation, the credit reporting agencies have not taken any corrective action. I urgently seek the CFPB 's intervention to ensure that XXXX, Experian, and XXXX fulfill their legal obligations by promptly removing the fraudulent information, which is jeopardizing my financial stability and the security of my family members who depend on our shared financial well-being

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 2023-09-24 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: FIRST PORTFOLIO SERVICING INC
State: NY

Complaint narrative:
XXXXXXXX XXXX reported late payments on all 3 bureaus. 
XXXX XXXX reported late payments on all 3 bureaus. 
XXXX XXXX  reported late payments on XXXX and XXXX. 
XXXXXXXX XXXX reported late payments on all 3 bureaus. 
XXXX reported late payments on all 3 bureaus. 
XXXX XXXX XXXX reported late payments on all 3 bureaus. 
XXXX XXXX reported late payments on all 3 bureaus. 
DeptedXXXX reported late payments on all 3 bureaus. 

In accordance with the fair credit reporting act this creditor violated my rights. Under 15USC1681 section 602 states I have the rights to privacy. 15USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666B a creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation