vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This marks my third complaint regarding my status as a victim of identity theft. I am submitting to challenge the presence of certain items in my file, which are a direct result of the aforementioned crime. The items in question are unrelated to any transactions involving the acquisition of goods, services, or funds, either authorized or made by me. According to FCRA Section 605b, Credit Reporting Agencies are obligated to expunge any items listed on an identity theft report, specifically those under the reference # XXXX in my case. Kindly remove the reporting of these items from my credit file, as they stem from an alleged identity theft : -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to express my extreme dissatisfaction with the inaccurate and incomplete credit information that is currently listed on my credit report. It is unacceptable that such errors have been allowed to appear on my credit report, and it appears that the bureau has failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports published. I am demanding that you immediately remove the following items from my credit report : XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and XXXX/XXXX  XXXX. I request that you provide proof of the alleged items, specifically the contract, note, or other instruments bearing my signature. If you fail to provide such evidence, the items must be promptly deleted from my credit report. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2024-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my extreme dissatisfaction with the inaccurate and incomplete credit information that is currently listed on my credit report. It is unacceptable that such errors have been allowed to appear on my credit report, and it appears that the bureau has failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports published. I am demanding that you immediately remove the following items from my credit report : XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXXXXXX. I request that you provide proof of the alleged items, specifically the contract, note, or other instruments bearing my signature. If you fail to provide such evidence, the items must be promptly deleted from my credit report. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2024-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I did occur injury since time ago XXXX, when I did maintain an appropriate concerns First Republic Bank, attends to a professional business banking account, that did dramatically maintain very rude attends to of malfunction. 

I was after opening an First Republic business banking account, occur to very serious delays appointment applies mine new checking account to of mine professional legal business, " Legal Advisory & Document Company '', named XXXX XXXX XXXX, an XXXX. 

I was informed that day I opened the pro business account, that I would be at fact able receive a temporary, banking debit card, unfortunately I was not provided that card, and was caused upset, inconvenience, by acts this. 
Later I did occur very ill too, by regards I was failed an reasonable timely, delivery of mine First Republic Bank, business checking account, checks. 
" I had been an First Republic Bank account holder, and I had yet, exceed two weeks, receive either mine appropriate to business banking account 's, even that of " temporary debit card '', or for appropriate of business checks ''. 

I did attempt receive a fair remedy for regards the above mention of bank 's malfunctions occur compel mine legal business serious delays to continue at planned professional business, XXXX XXXX XXXX, an XXXX., the jurisdiction, " XXXX  '' coordinate applies to gain of replies U.S. Government, attends Internal Revenue Service , my XXXX company add forms acquire an appropriate jurisdiction {$5000.00} settlement, for each relevant U.S. citizen. 
The above mentioned describe XXXX XXXX XXXX ' " XXXX '' forms, is add here associate that to relevant regards at seriousness a " loss occur '', due fact First Republic Bank did fail provide me with promised to business banking account, debit card, a relative mine professional business checks.

I did because of this above mentioned First Republic Bank 's malfunctions, occur of XXXX of that to upset mine VA doctor diagnosed illness to XXXX XXXX XXXX, associates, compel me use VA prescribed medications. 
I did subsequent the events, here above describe, cause me illness, and to that regards communication further, attempt remedy these banking errors, and of malfunction occur me, with respect the First Republic Bank relative matter banking agent ( s ), did too, occur, " apply request by fax jurisdiction '', and formally, ask for an decent, as by law does require appropriate to acts available, support " Injury Claim Form ( s ) '', type relative insurance provision. 
I did during time more intense was mine injury occur relative fault of bank 's jurisdiction First Republic Bank, request an lawful appropriate injury claim, and that since then XXXX, I have yet received a fair, a lawful respect, claim, for appropriate concern injury, provision should occur lawful, by F.R. Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim they identity theft report is valid. And lastly, Im contact the credit reporting agencies. XXXX have removed the accounts per legal requirement. But for some weird reason Experian feels Im not following all the steps. 
DPT EDXXXX XXXX I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with Experian for over 6 months, Im at wits end. This is the 6th complaint Ive filed against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. 
I have filed it with a law enforcement agency. Identitytheft.gov is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally losing my mind because I have no other recourse

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 2024-01-16 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a 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 2024-01-16 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: PA

Complaint narrative:
Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ) and XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.

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 2024-01-16 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: PA

Complaint narrative:
Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.

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 2024-01-16 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: PA

Complaint narrative:
Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had Two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023 ) and XX/XX/2023 Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.

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 2024-01-16 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my 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

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 2024-01-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
Never received original letter discussing debt nor repayment options Have been garnished for over the original amount owed Account continues to accrue interest No statement provided each period as required by law- FDCPA and truth in lending disclosure AAFES defers to XXXX however AAFES  still garnished tax return- if debt belongs to XXXX now , how can it be treated as federal??

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 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

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 non-monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MN

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 2024-01-16 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by the credit inquiry listed below. However, this inquiry was not authorized by me. Therefore, I'm sending this complaint to dispute this inquiry and have it removed from my credit report. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
JEFFERSON CAPITAL has contacted me through mail stating that I owe JEFFERSON CAPITAL. I have never done business with JEFFERSON CAPITAL nor signed any contracts obligating me to do business with JEFFERSON CAPITAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: AZ

Complaint narrative:
ATTN : CFPB RE : Inaccurate Reporting Upstart Network XX/XX/XXXXXXXX  I XXXX XXXX am filing this complaint against Upstart Network for reporting information inaccurately on my credit report. 
According to15 U.S. Code 1681- Congressional findings and statement of purpose : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
According to 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

According to 15 U.S. Code 1692e - False or misleading representations, A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
This is in reference to an account with Upstart network beginning with # XXXX. I have provided proof of the inaccuracy attached to this claim. I have contacted XXXX XXXX XXXX numerous times, and they refuse to remove this inaccurate account from my credit report. This also is a violation of my Privacy under the Privacy Act of 1974. XXXX, XXXX, and XXXX are non-affiliated which violates 15 U.S. Code 6802. Upstart Network hasn't furnished a copy of my wet signature giving them permission to share my information with any non-affiliates. Upstart Network also hasn't provided a contract between us. 
This debt is a certificate of indebtedness and has been discharged. Income isn't supposed to be listed on a credit report. Upstart Network filed a 1099 to discharge the debt and failed to send me my 1099B copy from the IRS. This is security fraud and I request compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
Loan was extended two years and four months pass the anniversary date of the loan. I needed a forbearance because of two hardships during the activity of the loan. I was given a forbearance twice because of personal problems due to inadequate job performance. American Credit Acceptance extended me the courtesy by putting the arrearages on the back of the loan. I was only thirty days late twice. American Credit Acceptance extended twenty eight months past the Anniversary date of the loan. A total of {$10000.00} was charged to my account.

Company response to consumer: Closed with explanation