vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank closed my credit card in this XXXX, XXXX, siting " association with a chase credit card, deposit or investment account that was previously closed ''. I have been paying the card on time and in full every month since I opened it in XX/XX/XXXX, I never once had an issue and I have been using it regularly for normal daily spending such as grocery, dining, clothing shopping. I called to ask for a specific reason, I was not given XXXX. I needed a credit card so I applied for another one issued by Chase in XXXX, XXXX and was granted one right away with a high credit line. A few days ago I received the statement from Chase saying they are closing this credit card in XXXX, siting the same reason. I called twice, emailed a few times asking for a specific reason but still was not given one. Again, I have not had any issues. I even checked my credit score, it is excellent. During the time I had the credit card, I had no issues, Chase never contacted me regarding any issues they might have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I am a Victim of identify theft, I did not authorize anyone to apply for ( XXXX/FORTIVA LINE OF CREDIT ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'M FILING THIS DISPUTE WITH THE CFPB ONCE AGAIN DUE TO EXPERIAN FAILURE TO VERIFY THE INFORMATION SUBMITTED TO THEM BY XXXX OF THEIR PAID SUBSCRIBERS, XXXX XXXX XXXX  I HAVE DISPUTED THIS ACCOUNT NUMEROUS OF TIMES & SUBMITTED SUPPORTING DOCUMENTATION, AND ALWAYS BEEN TOLD THAT THE INFORMATION WAS VERIFIED AND REPORTING ACCURATELY ACCORDING TO THE FCRA LAWS, THE LAST XXXX DISPUTES ALONE, ( XXXX ) HAS FALSELY CERTIFIED THAT THE INFORMATION BEING REPORTED ON MY EXPERIAN CREDIT REPORT IS ACCURATE THIS WAS INVALIDATED ON XX/XX/2023 WHEN I DISPUTED THIS ACCOUNT PAYMENT HISTORY FOR THE XXXX TIME ( XXXX ) FINALLY MADE XXXX CORRECTION ON ACCOUNT ENDING IN XXXX THAT ( XXXX ) PREVIOUSLY CERTIFIED UNDER LAW TO EXPERIAN THAT WAS REPORTING ACCURATELY XXXX TIMES PREVIOUSLY SO I MUST ASK WHEN WILL MY CONSUMER RIGHT BE HONORED TO HAVE INACCURATE ACCOUNT INFORMATION DELETED NOT MODIFIED THIS HAS BEEN MY ONLY REQUEST IF IT WAS TO BE FOUND THAT ACCOUNT HAS NOT BEING REPORTING ACCURATELY TO DELETE ACCOUNT NOT UPDATE AFTER BEING GASLIGHTED AND NUMEROUS STALL TACTICS USED AGAINST ME I HAVE ATTACHED SOME OF THE SAME DOCUMENTS AND SOME NEW SUPPORTING DOCUMENTS SHOWING THE GASLIGHTING AND STALL TACTICS AND JUST PLAIN DISREGARD OF MY REQUEST OF INFORMATION AT THIS POINT IM READY TO MOVE FORWARD WITH LEGAL ACTION AGAINST EXPERIAN FOR ALLOWING ( XXXX  ) TO REPEATEDLY CERTIFY FASLY TO THE ACCURATE INFORMATION OF ACCOUNT WHEN THE ACCOUNT IS NOT REPORTING ACCURATE AND STILL IS NOT REPORTING ACCURATELY

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 2023-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
ACCORDING TO FCRA 1681a ( 2 ) A ( i ), LATE PAYMENTS SHOULD NOT BE REPORTED AS NEGATIVE INFORMATION. UPON REVIEWING MY ACCOUNT I DISCOVERED MULTIPLE INACCURATE LATE REPORTS. THIS INCORRECT REPORTING ADVERSELY AFFECTS MY CREDIT WORTHINESS AND HINDERS MY ABILITY TO OBTAIN FAVORABLE CREDIT TERMS. 
COMPANY AGREED TO REMOVE ALL LATE PAYMENTS AND HAS NOT HELD UP THEIR WORD. I HAVE NOT MADE LATE PAYMENTS IN THE LAST 2 YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
A car loan application was filled out using my identity on XX/XX/2023. The application was not from me but it had my name and information, I believe someone filled it out so a credit check would made on me to mess with Mt XXXX XXXX. The application with through capital one report was made through XXXX consumer relations and XXXX risk solutions inquiry department and capital one auto financing which was made on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: PA

Complaint narrative:
I Am a victim of identity theft - i have been contacted by XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX ( THEY ARE COLLECTING AN ACCOUNT ON BEHALF OF ( CREDIT XXXX BANK, XXXX. ) REF # XXXX - THEY KEEP RESELLING THIS ACCOUNT THE AMOUNT IS {$950.00}. I have been sending in certified letters to XXXX XXXX XXXX XXXX ( CREDIT CONTROL , LLC ) XXXX XXXX XXXX AND XXXX XXXX keep sending me letters advising updated and accurate and NOT INVESTIGATING, i also sent them copies of the police reports NO ACTION TAKEN Requests to Block Unauthorized Charges from my Credit Report under FCRA XXXX. I HAVE NO KNOWLEDGE ABOUT THIS ACCOUNT ( PLEASE FOLLOW THE LAW ) Please provide the following : Agreement with your client that grants your authority to collect on this alleged debt that is not listed as mine. Agreement that bears the SIGNATURE of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency XXXX that this debt was assigned or sold to collector. ( XXXX ) showing IRS info XXXX accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
NAME : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, State Zip : XXXX SC XXXX XXXX Address : 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 reports ( 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 prot, consumer. NO CONSENT IS IDENTITY THEFT. As a consumer XXXX  demanding the XXXX accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm a victim of Identity theft. There are numerous accounts with significant balances that have been reported to my consumer report that I have no knowledge of nor created. Including address, phone numbers and inquiries. I've made several attempts to have them remove including written documentation submitted to the bureau 's requesting accounts to be removed. However, the issue has been unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: PA

Complaint narrative:
Thank you for responding to compliant # XXXX and your file # XXXX and XXXX. I have attached documentation for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have disputed a number of hard inquiries on my credit report and have not have them removed even though XXXX has investigated this issue and found them incorrect. They have deleted them, but Equifax has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My debit card was stolen and was used to make purchases. I reported the card was stolen to the police department and to Wells Fargo bank on XX/XX/2023. The bank closed that debit card, and mailed me a new debit card. However, the bank allowed a company to charge my card TWICE on XXXX XXXX, and again on XX/XX/2023, for $ XXXX each. 

I am not sure how Wells Fargo Bank function in this climate, this was not an ACH transaction/ Checking account transaction, this is a debit card that was already closed. I had to go to the bank to make deposits to cover this transaction. 

This is a subscription charge and the provider have a different debit card from a different bank.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Name, Address, Telephone number and Date of birth incorrect. Needs to be deleted and updated 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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted over XXXX  disputes to Equifax on this account. This is my XXXX XXXX  Card account. This account is not CLOSED. I recently was approved for a credit limit increase. When i provided my statements and approval letter to Equifax as proof that the account is open, they ignored it and still reported the account as CLOSED. the showed the increased limit however. which didnt make any sense. if the account was closed how did the limit increase. Now when i dispute the close the dispute in a day. never looking at my proof. I have had the comenity write a letter. i sent the letter to Equifax. still they would not report the account as OPEN. not sure whats going on here. their hurting my payment history, credit length on open account and credit utilization by not reporting this account as OPEN. i can provide proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
FCRA Opt-Out Request. 





XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/23 XXXX ) Original XXXX : XXXX XXXX XXXX XXXX XXXX Account number XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Phone number ( XXXX ) XXXX. XXXX ) Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX Account number : XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX. 
XXXX ) XXXX  XXXX. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX Account number XXXX Subject : Opting Out of Any and All Authorizations Pursuant to the Fair Credit Reporting Act ( FCRA ) To whom it may concern : I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically in accordance with 15 USC 6802. I hereby inform you that I am opting out of any and all authorization whether they were given to you in written, unwritten, verbal, or non-verbal form.

As a consumer, it is my right to control the disclosure of my personal and financial information. I understand that the FCRA grants me the ability to limit access to my credit information, and I am now exercising that right. By opting out, I am requesting that you cease the collection, sharing, and reporting of my personal and credit information to any third parties, including but not limited to creditors, lenders, and other credit reporting agencies.

Please ensure that my name and all associated personal information are removed from your databases and any future credit reports. This includes but is not limited to my social security number, date of birth, current and previous addresses, employment history, and account information.

I kindly request that you confirm in writing within 30 days of receiving this letter that my opt-out request has been processed and that my information will no longer be shared or reported. Furthermore, I expect that you will comply with the FCRA regulations by not providing my information to any unauthorized parties in the future.

Please consider this communication as a formal notice of my decision to exercise my rights under the FCRA. Failure to comply with this request may result in legal action taken against your agency for violations of my rights as a consumer.

Thank you for your prompt attention to this matter. I trust that you will handle my request with the utmost professionalism and ensure that my rights under the FCRA are fully respected. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
So I paid off my Bank of America credit card nd they promised wen I was making last payment tht they will send me a paper nd also to credit agency nd have it remove off my credit so it wnt affect it its still there I tried reaching them many times they didn't respond nd credit wnt fix it they said Bank of America says it's current I paid off XXXX card nd same thing was told to me I made full payment of wat i owe as I lost my job due to covid nd had injury nd health issue but as soon I got money I paid off they promised to remove the bad credit late payment off my credit nd same they didnt rhey didnt remove it it's still showing nd affecting my credit I opened a account with chime credit card nd I couldn't even make it wrk it didn't let me do nothing I never got the credit card I told them nd they said they will fix it nd send me another card i requested for account to be close becauz I couldn't use it nd it was just affecting my credit nd they closed my account nd than suddenly closed my checking  account too nd now they lying nd saying I didn't comply which is a lie as i requested I'm also seeing if says I got a credit loan for sumthing which i didnt idk wats going on I feel like scam is going on please help me All XXXX of these companies lied to me to make me pay it off all nd than did this nd hurted my credit I can't get another credit card or house or car

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC.
State: MS

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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