vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
Debt collector called. Explained his reason for calling. I told him why I thought this call should not have been placed to me. He then became combative, told me that if I dont have a home or apartment I will not be getting one. Told me he had my social security number. I told him he was very combative and was not letting me get a word in, he then praised himself for doing so and then told me to breathe when I became upset ( a micro aggression ) I asked him to not speak to me in that way and that he needed to allow me to speak. I told him I will get a lawyer, he told me that I can waste my money on that if I want. I then hung up, called back and asked to speak to his supervisor. I told her what happened. She did not address my complaint, instead she spoke of the debt. I explained to her why I didnt think I was a party on this complaint. She also became combative after I explained my position on this complaint. 
Agent 1 name is : XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I was the victim of a " subscription bomb ''. On XX/XX/XXXX, {$870.00} was charged to my Chase Sapphire Preferred credit card for tickets to a XXXX XXXX concert in XXXX XXXX from XXXX XXXX. When I caught the charge, on XX/XX/XXXX, I immediately called Chase and had my card cancelled. Chase refunded the purchase and I thought that was the end of the matter. 
On XX/XX/XXXX, I received an email from Chase stating that I had received the benefit of the transaction, and that they were charging the sum of money back to my card. I called, and I was instructed to call XXXX XXXX, because XXXX XXXX would not release any of my personal information. The charge had come from my email and my account, so it appeared that I had made this purchase myself. I noted that this came as a result of my email being hacked, so of course it would appear that this charge came from me. I called XXXX XXXX who asked why I waited so long to contact them- and they informed me that they would start an investigation into this charge. Chase called today, XX/XX/XXXX, to follow up. Absolutely nothing had been done on behalf of Chase. I contacted XXXX XXXX, who informed me I need documentation from Chase stating that this is fraudulent, so that they could begin investigating. I called Chase back at XXXX XXXX XXXX and was informed that they would do nothing because their work day ends at XXXX XXXX XXXX 
Given that XXXX months has elapsed, I question why documentation has not occurred between Chase and XXXX XXXX to the effect of a fraudulent claim. Chase is not active in their investigation, nor is XXXX XXXX. I also question why I am expected to do the communicating between these XXXX companies, especially when Chase charges an annual fee and is FDIC insured for this sum of money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-31 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:
DEFAMING MY CHARACTER. The IRS stated that a charge off is gross and ordinary income. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can not report income on my consumer credit reports. Furthermore, the amount charged off is incorrect. They are violations of Fair Credit Reporting Act., XXXX 's attached below. 

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 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 Paid, Closed/Never or Delete Debt collector ( Fair Debt Collection Practices Act ( hereinafter FDCPA ), 15 USC 1692 ) I will be filing a lawsuit. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize them and you want them DELETED. 15 USC 1601 hard inquiries. Delete Fraudulent, 15 USC 1601 hard inquiries. 



XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Please correct inaccurate data from my credit report as soon as possible. Please make the necessary corrections to my credit report as soon as possible. 15 USC $ Permissible purpose of consumer reports 1681b. 15 u.s.c. 1681a and 15 USC 1681. 15 USC 1692 K and 15 USC 1640 Civil liability. 15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. I have suffered damages as a result of the misrepresentation. As a result of XXXX violations of ( CFRA ). 


XXXX XXXX suffered damages as a result of the misrepresentation. As a result of XXXX, TransUnion and XXXX violations of Fair Credit Reporting Act ( CFRA ). I will sign the settlement as soon as the necessary corrections to my credit report are done.

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 2024-05-31 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:
DEFAMING MY CHARACTER. The IRS stated that a charge off is gross and ordinary income. 
XXXX XXXX, XXXX XXXX and XXXX XXXX XXXXXXXX can not report income on my consumer credit reports. Furthermore, the amount charged off is incorrect. They are violations of Fair Credit Reporting Act., 1099 's attached below. 

XXXX. XXXX XXXX account # XXXX -- -- -Paid, Closed/Never late or Delete XXXX. XXXX XXXX Account # XXXX -- - Paid, Closed/Never late or Delete XXXX. XXXX XXXX Account # XXXX - Paid, Closed/Never late or Delete XXXX. XXXX XXXX account ending # XXXX or # XXXX Paid, Closed/Never late or Delete XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX - Paid, Closed/Never late or Delete XXXX. XXXXXXXX XXXX, account # XXXX paid or Fraudulent account # XXXX, 2016 XXXX XXXX XXXX, Closed/Never or Delete XXXX. XXXX XXXX account # XXXX -- -- -Paid, Closed/Never or Delete Account # XXXX -- - Paid, Closed/Never or Delete Account # XXXX Paid, Closed/Never or Delete XXXX. XXXX XXXX account ending XXXX or FRAUD account # XXXX Paid, Closed/Never or Delete XXXX. XXXX XXXX XXXXXXXX account # XXXX - Paid, Closed/Never or Delete XXXX. XXXX XXXX XXXX or Fraud XXXX - Paid, Closed/Never or Delete Debt collector ( Fair Debt Collection Practices Act ( hereinafter FDCPA ), 15 USC 1692 ) I will be filing a lawsuit. 



XXXX. XXXXXXXX XXXX  - Transferred, closed/Never late. correction -Paid, Closed/Never DELETE NON WORKING ADDRESS XXXX XXXXXXXX XXXX  XXXX XXXX FL XXXX I did not authorize them and you want them DELETED. 15 USC 1601 hard inquiries. Delete Fraudulent, 15 USC 1601 hard inquiries. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 


Please correct inaccurate data from my credit report as soon as possible. Please make the necessary corrections to my credit report as soon as possible. 15 USC $ Permissible purpose of consumer reports 1681b. 15 u.s.c. 1681a and 15 USC 1681. 15 USC 1692 K and 15 USC 1640 Civil liability. 15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. I have suffered damages as a result of the misrepresentation. As a result of XXXX violations of ( CFRA ). 


XXXX XXXX suffered damages as a result of the misrepresentation. As a result of XXXX, XXXX and Equifax violations of Fair Credit Reporting Act ( CFRA ). I will sign the settlement as soon as the necessary corrections to my credit report are done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting ACT XXXX XXXX XXXX Has violated my rights. 
15 U.S.C 1681section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 602 A section 2. It also state a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I am a full class member of XXXX XXXX XXXXXXXX exhibit C. My federal loans were discharged due to school misconduct. I called Navient requesting information regarding which loans with them were eligible for discharge and refund. I was told they were unable to help me but none were refundable. I also recently emailed requesting how to obtain an application for school misconduct discharge and was told that I am not eligible because the loans are refinance loans and are not direct to school loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
XXXX XXXX XXXX ACCOUNT NUMBER : XXXX {$1900.00} XXXX XXXX XXXX  ACCOUNT NUMBER XXXX {$0.00} XXXX XXXX XXXX {$1500.00} ACCOUNT NUMBER : XXXX XXXX XXXX {$770.00} ACCOUNT NUMBER $ XXXX XXXX XXXX XXXX {$320.00} ACCOUNT NUMBER : XXXX INQUIRIES : 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 2024-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
On XX/XX/year> I reported to Federal Trade Commission report and Police Report that I am a victim of Identity Theft from XXXX XXXX ( Lender ). Now, I learned XXXX the second time that Radius Global Solution Collection via T-Mobile that I have standing balance of {$3100.00}. I learned that my personal information was used to open a credit card under XXXX XXXX XXXX  and XXXX. I did not open or authorize these accounts. I therefore request that it be clear my identity and place fraud alerts. Looking forward to hearing from you. pls contact me via email at XXXX. Thank you

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 2024-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
I filed an identity theft affidavit because nothing on my contract should have been XXXX. I physically signed every piece of paper for this contract and the only evidence presented was a docusign version of my contract yet again. I asked for a copy of the papers I signed that day and I was told I could not get a copy until the finance manager signed her part and she was not there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: MO

Complaint narrative:
They are reporting Mortgage as 60 days late for the month of XXXX they mailed me a letter out said it was Social Security breach back in XXXX that had affected the payment system. They mail this letter out. It was dated XX/XX/XXXX. I reached out to the mortgage company and transfusion and XXXX to get it removed off my credit report. Ive never been late on my mortgage. No one has done anything. Its been over four months now and it still has not got resolved.

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 2024-05-31 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: MO

Complaint narrative:
They are reporting Mortgage as 60 days late for the month of XXXX they mailed me a letter out said it was Social Security breach back in XXXX that had affected the payment system. They mail this letter out. It was dated XX/XX/XXXX. I reached out to the mortgage company and XXXX and XXXX to get it removed off my credit report. Ive never been late on my mortgage. No one has done anything. Its been over XXXX months now and it still has not got resolved.

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 2024-05-31 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: GA

Complaint narrative:
I Formally request the immediate removal of all negative items from my credit report under the Uniform Commercial Code ( UCC-11 ) declaration. No valid debt is in my name, and any negative entries are incorrect and unjustified.

I demand that your agency : Conduct a thorough investigation into all negative items listed on my credit report.

Verify the validity of these entries by UCC-11. 
Remove any negative items that can not be substantiated as legitimate debts. 
I expect a prompt response and resolution to this matter. Please confirm receipt of this letter and provide written confirmation once the negative items have been removed. 

Thank you for your immediate attention to this urgent matter.

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 2024-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the accounts referenced in my consumer credit report, which have arisen due to data breaches or fraud. I kindly request verifiable evidence containing my signature or electronic signature. This letter represents my personal request, and I urge careful consideration. These actions were undertaken without proper validation or original documentation from the reporting companies, constituting a violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

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 2024-05-31 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED These accounts were not authorized or initiated by me, and it is unjust for me to be responsible for them. I implore you to promptly correct this error.

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 2024-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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