vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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: NM

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-06-25 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: Kriya Capital, LLC
State: TX

Complaint narrative:
I sent letters to all XXXX credit bureaus requesting accuracy and of disputes verification. Requested 3 times for items to be deleted. I requested names of individuals who verified info from their company. They did not provide info. They did not able to Section 611 ( 5 ) ( A ) of FCRA. They failed to comply with section 616 and 617 regarding civil liability. I demanded deletion of accounts I listed. I sent all mail via certified mail and have all receipts from post office. I mailed letters to credit bureaus on XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. I also sent letters via certified mail to each individual company requesting verification and deletion on XX/XX/XXXX. I have receipts from post office, as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: Rent Recovery Solutions
State: TX

Complaint narrative:
I sent letters to all XXXX credit bureaus requesting accuracy and of disputes verification. Requested 3 times for items to be deleted. I requested names of individuals who verified info from their company. They did not provide info. They did not able to Section 611 ( 5 ) ( A ) of FCRA. They failed to comply with section 616 and 617 regarding civil liability. I demanded deletion of accounts I listed. I sent all mail via certified mail and have all receipts from post office. I mailed letters to credit bureaus on XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. I also sent letters via certified mail to each individual company requesting verification and deletion on XX/XX/XXXX. I have receipts from post office, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States that I have the right to privacy. 

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I don't convey to Portfolio Recovery 15 U.S.C 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. 

No consent is IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
I received a letter from XX/XX/XXXX about a finance contract that I entered creating securities in that contract that I was told by false advertising that I would be approved for sore down on a line of credit for a phone or other services for their company so I entered into that contract giving ssn and signature to fund they account but was then told to to my credit score I had to put a down payment to get the service I already funded wit my financing contract signed. The letter from XXXX stated that do to a report and information they received from LEXISNEXIS, XXXX XXXX XXXX ATTN LEXISNEXIS XXXX XXXX, XXXX, GA XXXX, it influenced their decision on making me put a down payment when under the us code 15 USC 1662 & 15 usc 1611 state that a down payment in a consumer credit transaction is illegal and the finance charge is the some of all charges

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
File complaint to all three credit bureaus and Midland credit management I have disputed this account with all three bureaus and its been past 30 days and no return service. Ive requested this account be removed from my credit report with all three bureaus since this is not my account identity. Midland Credit has failed to provide my application or contract with my signature on it since Ive never had this account. 

Midland credit management XXXX XXXX XXXX XXXX XXXX, California XXXX NMLS ID : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. REMOVE THIS ACCOUNT IMMEDIATLY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. REMOVE THIS ACCOUNT IMMEDIATLY

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 2024-06-25 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I contacted all 3 credit bureaus via certified mail on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ( provided proof ) and each company requesting validation abd accuracy of debit. I asked them to provide who from their company provided info to credit bureaus. I did not authorize any information to be shared and demanded they remove all information. They have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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:
On XXXX XXXX they reveived a letter that I sent to them via certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) asking them for the contract that I have with them that includes wet ink signature. That letter was not filled out and sent back to me. Correspondence was sent back to me states that the application was taken over the the phone or the internet and do not have a paper copy to send.

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 2024-06-25 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: IL

Complaint narrative:
A

fter Speaking with the courthouse asking do the report bankruptcies to the credit bureaus and they respond was NO " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-06-25 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: CA

Complaint narrative:
This complaint is not being sent in error. I am a consumer by law. Inaccurate information is being reported on my credit report causing me a lot of sleepness nights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: OK

Complaint narrative:
31 CFR 29.518 - Reporting delinquent debts to credit bureaus. ( e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau or XXXX.

Account is in dispute. I did not give authority or permission to report. I have opted out and this needs to be removed immediately.

15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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 2024-06-25 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: ALLIANT CREDIT UNION
State: GA

Complaint narrative:
Subject : Follow-Up on CFPB Complaint ID # XXXX - Unaddressed Legal Violations Dear Alliant Credit Union, Thank you for your response to my CFPB complaint. However, I must point out that your response does not address the specific legal violations I raised. 

1. **15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) ** : Late payment information, as transactions solely between myself and Alliant, should be excluded from my consumer report. Your response did not address this exclusion clause. 

2. **15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( ii ) and ( iii ) ** : You did not confirm whether you provided the required disclosures and opt-out options before communicating information among related entities. 

3. **15 U.S.C. 1681a ( d ) ( 2 ) ( B ) and ( C ) ** : The inclusion of unauthorized credit extensions in my report was not addressed. 

4. **15 U.S.C. 6802 ( a ), ( b ) ( 1 ) ( A ), ( B ), and ( C ) ** : Your response lacks confirmation that required notices were provided before disclosing nonpublic personal information. 

5. **15 U.S.C. 1637 ( b ) and ( b ) ( 10 ) ** : You claim periodic statements were available electronically, but you did not provide evidence that these were consistently accessible 21 days in advance as required by law. 

6. **15 U.S.C. 1681s-2 ( a ) and ( b ) ** : The inconsistencies in reported credit limits and late payments were not addressed adequately. 

Your response focused on the accuracy of reported information but failed to address the legal exclusions and specific requirements under the Fair Credit Reporting Act ( FCRA ) and related laws. I request a thorough review and correction of my consumer report in compliance with these legal standards. I also demand compensation for the damages incurred due to these violations. 

I expect a prompt resolution and a detailed response addressing each of these issues to avoid further escalation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CRED Technologies dba cred.ai
State: ID

Complaint narrative:
Text me that theyre closing my account if I dont activate my physical card when I have a working digital card. My husband was arrested twice for domestic violence and the domestic violence shelter returned my mail to sender when I left there. Cred.ai can clearly see their own tracking number that it was returned to sender. I dont know when Ill have an address for safety and threatening to close my account is unacceptable. I have protections under Violence Against Womens Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: ID

Complaint narrative:
My account was closed with no notification. I have no idea why it was closed. I still have money in the account.

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 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am writing to file a complaint regarding an issue with a deposited check in my Chase Bank account. On XX/XX/XXXX, I deposited a check totaling {>= $1,000,000} into my Business Chase account. The check was processed and cleared ; however, Chase Bank has refused to release the funds to me, citing an inability to verify the issuer of the check using the phone number registered in their system. 

The check in question represents proceeds from the sale of a property, issued by XXXX XXXX XXXX, XXXX. I have provided Chase with all necessary information, including the check details and any supporting documentation upon their request. Despite this, Chase has maintained that they are unable to verify the authenticity of the check issuer through their standard verification processes. 

I have diligently followed up with Chase customer service representatives, providing additional information and offering to assist in any way possible to facilitate the verification process. However, the funds remain inaccessible in my account, causing significant inconvenience and financial strain.

I believe that I have complied with all necessary procedures and provided sufficient documentation to support the legitimacy of the deposited check. Therefore, I am seeking assistance from the CFPB to help resolve this matter promptly and ensure that Chase releases the funds owed to me without further delay. 

I will be happy to provide a copy of the check deposit receipt and any other relevant documentation to support my case. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
unauthorized unrecognized inquires and accounts are on my report, XXXX XXXX XXXX XXXX XXXX ally financial XXXX XXXX XXXX XXXXXX/XX/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 2024-06-25 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:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which was involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-06-25 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: OH

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. REMOVE THIS ACCOUNT IMMEDIATLY

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 2024-06-25 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: TX

Complaint narrative:
I am writing to formally complain about Equifax 's failure to conduct a proper and thorough investigation into disputed inquiries on my credit report. Since XX/XX/XXXX, I have submitted multiple disputes regarding seven inquiries appearing on my report. These inquiries, dated XX/XX/XXXX, and XX/XX/XXXX, include : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite accompanying my disputes with FTC reports and detailed letters, Equifax consistently closed the disputes as resolved within 24 hours, without a genuine investigation. A thorough investigation would have resulted in the immediate removal of these inquiries, especially considering the multiple disputes filed. 

Equifax 's actions constitute a violation of consumer protection laws and my right to a fair and accurate credit report. I have communicated these concerns directly to Equifax, highlighting their non-compliance with legal requirements. Unfortunately, my efforts have been met with disregard. 

As a result, I have filed a complaint with the XXXX XXXX XXXX  ( attached ) and am prepared to pursue legal action due to the significant harm these inaccuracies are causing me. 

This letter serves as my final attempt to resolve this issue amicably. I urge Equifax to immediately remove the following inquiries from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I look forward to your prompt intervention in this matter. 


XXXX  Complaint ID : XXXX

Company response to consumer: Closed with explanation