vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 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: FL

Complaint narrative:
I am Filing an Complaint As A Federal Protected Consumer To Exercise My Consumer Rights And Resolved Inaccuracy and Unfair Activity In Concern With My Credit report. 

I Am Also now opting out of ANY and ALL authorization I the consumer may have given you written, no-written, verbal and non-verbal per 15 USC 6802. Im Rescinding that authorization per 15 USC 6802. According To 12 CFR 1016.7 states that a Consumer may exercise the right to OPT OUT at any time. This is effective immediately and indefinitely. 

According to Fair Credit Reporting Act, 15 U.S. Code 1681 - Congressional findings and statement of purpose. Accuracy and fairness of credit reporting The Congress makes the following findings : 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 Attached to this CFPB Complaint, I have attached Proof Copy of Inaccurate Findings On My Credit Report. I Have Circled In Red all Inaccuracies On Credit Reports With XXXX, XXXX & Experian.

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 2024-01-06 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$5900.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$29000.00}.

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 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
When I Filled out my Security Interest as an Investor I was met with resistance from the Computer algorithm. Under the Securities exchange Act of 1934 any consumer contracting for Credits can not be denied their own since the Issuer of the Security ( apllication ) is the Consumer for Personal Family and ( or ) household goods and Services. 

Know this Security as Issuer, Owner and Beneficiary have Federal Rights as the Consumer I am to be protected. 

From what I see is a XXXX tactic. 
XXXX Issuer the Security and Receive no Consideration or Compensation, thats a crime and can be reported to the Securities Exchange Commission for breach of the Securities Act 1934. Plus Civil Penalties under 15 USC 1681 ( n ) plus damages and injuries. 

15 USC 1681 : States you are not allowed to share my information except by written consent and you only have 30 days to send me n opt out letter the Privacy act of 1974 states those intentions very clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One recently decreased my availability credit without my consent. After doing so my credit score dropped XXXX points which affects my overall credit score. This changed has impacted me during the purchase of a home. The credit card balance is XXXX at this time and has been for months. The credit card was used without my knowledge by an XXXX XXXX, therefore I had no knowledge of the purchase. Capital One denied increasing my available credit without allowing an explanation. I was advised by the loan officer to not spend at this time. This is unfair practice because of the algorithms are used to not recognize all circumstances, people of color, critical resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: Westlake Services, LLC
State: NY

Complaint narrative:
Westlake financial entered a 36 months arrangement with me and did not inform me of my right to rescind, or my right to opt out and did in fact reported to the a third party credit bureau. Their terms and condition says they do not provide my information to third party non-affiliates. the violated their own terms and condition when the shared my information with the credit reporting agencies ( XXXX, XXXX, XXXX  ). Additinally they provided no opt out notice as per 12 CFR 332.9. This action violates : The Privacy Act of 1974 16 CFR 313 and all applicable subsections 15 USC 6802 15 USC 6803 15 USC 6804 15 USC 6805 16 CFR 433 Contact Info Westlake Financial. 
XXXX XXXX XXXX XXXX XXXX, CA 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 2024-01-06 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: NJ

Complaint narrative:
It's illegal to report transaction history to my consumer report XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX 15 USC 1681a ( A ) ( i ) Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting transaction History is illegal. 

I've attached a copy of my consumer report and all the items which are in clear violations are highlighted in green!

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 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
For months, since we opened the bank account late last year, we have been restricted/prevented from depositing funds into our new checking and/or savings account arbitrarily by Chase Bank. Sometimes they would prevent XXXX or XXXX deposits, XXXX deposits, wire transfers, cash, checks, even merchant account deposits. The reasons that Chase Bank would give us were both bizarre and nonsensical, and they always asked for something more as if they were deliberately trying to either provoke us, or fail, or get late with a response. One of the last items they required was a copy of our lease agreement with our current office space at XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  NY XXXX that we have been occupying since XXXX XXXX XXXX years ) but wherein we have a special relationship with them because it has always been an " auto-renew lease agreement '' since it s not a landlord-lease agreement but rather a " service agreement '' more akin to a hotel ( new trend, because they also accommodate virtual offices as well as physical tenants offices such as ours ). So now, these monsters at Chase Bank, rather than fix or ameliorate our problems with the above arbitrary and capricious refusals to allow us to deposit or become stable with our bank accounts, have instead decided to arbitrarily and capriciously CLOSE our bank accounts today, via email, on a Friday no less, when we can do nothing as the weekend now approaches. What makes matters worse is that we have incoming deposits on the way en route, and they did not even provide us with a reasonable window period or 30 day notice so that we can make arrangements for incoming and outgoing bill payments. This is the height of bank irresponsibility, cruelty, unprofessionalism, criminality. Please open a case, investigate, and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: NC

Complaint narrative:
I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

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 Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$850.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$0.00} ; 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 explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I got a phone call said they are XXXX and that there was a phone number registered with my information thats been sending scam messages. They asked me to report to the XXXX police because the phone number was purchased in XXXX. I was then transferred to XXXX police. While I was reporting the case, they said I was a suspect of the fraud case they are investigating and they need to arrest me back to XXXX unless I bail myself with money. I then wire transferred {$180000.00} from my Bank of America account to a XXXX XXXX XXXX. I also told BoA that I was sending money to my family based on the instructions of the XXXX police

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 2024-01-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX the Accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A new address was added to my credit report which it doesn't belong to me. 
. The incorrect address is : XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: WI

Complaint narrative:
I C systems XXXX dollars charter filed 6-12-2023 garnish of wages and hurting my credit. I had a credit score of XXXX in XXXX and now it's XXXX. Things came off my report and now I have XXXX and XXXX has my pay being garnished

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$760.00} ; XXXX XXXX Balance : {$21000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: NJ

Complaint narrative:
I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

XXXX XXXX XXXX Late payments incorrectly reported between XXXX XXXX late payments incorrectly reported XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX, As a consumer by law these accounts in this letter must be updated immediately because Ive been violated. Consumer laws 15 US Code 1681a, 15 U.S Code 1681s-2 Responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. You are also in violation of 15 US Code 1681a 2 ( A ) ( i ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any 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 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2023, American Express confirmed receiving negotiable Instrument NOT ( a company check ) payment for {$10000.00}. On XX/XX/2023, the payment was reversed because they identified the payment was made with an invalid payment instrument. however, they communicated that the negotiable instrument was returned due to it being denied by the bank, it was requested that they return the instrument and send letter of denial from third party financial institution and as of to-date I have not received either. 
As for the 1099a this form of payment was in credits from the Internal Revenue Services and was accepted and sent to American Express, if the credits have been returned, please provide me with the IRS form used, according to the IRS to accept or decline the credits, a form has to be completed. Please provide the information sent to the IRS to accept or decline payment credits. 
For American Express to credit my account AND send to negotiable instrument back so I can address the issue with the payment, it's only fair to return it and allow me to address the issue and fix it. If they aren't willing to return the negotiable instrument then credit my account because they have acknowledged of receipt of tender, the fair solution is to credit the account until they can provide proof of the denial of the bank letter or credit from the account of the 1099a from the acceptance from the internal revenue service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express entered a 2 years and 10 months arrangement with me and did not inform me of my right to rescind, or my right to opt out and did in fact reported to the a third party non-affiliate. Their terms and condition says they do not provide my information to third party non-affiliates. they violated their own terms and conditions when the shared my information with the credit reporting agencies ( XXXX, XXXX, XXXX  ). Additionally they provided no opt out notice as per 12 CFR 332.9. This action violates : The Privacy Act of 1974 16 CFR 313 and all applicable subsections 15 USC 6802 15 USC 6803 15 USC 6804 15 USC 6805 16 CFR 433

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: IL

Complaint narrative:
I am writing to bring to your attention a serious issue regarding inaccurate reporting on my credit file, which is in violation of the XXXX XXXX credit reporting guidelines. I have attached a copy of my police report, which documents identity theft and serves as supporting evidence for the inaccuracies in question. 
The following accounts are erroneously listed on my credit report these accounts are neither listed on my XXXX credit report nor my XXXX credit report : Inquiries : XXXX XXXX XXXXXXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXXXXXX XXXX XXXX  Accounts : * XXXX XXXX * Account Number : XXXX * Amount : [ {$56.00} ] XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * Amount : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * Amount : {$720.00} * XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * Amount : {$2500.00} * XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * Amount : {$2500.00} I have already filed disputes with your bureau I have taken the necessary steps by contacting law enforcement to address the identity theft issue. The attached police report provides explicit details of the fraudulent activities associated with my identity, confirming that the reported accounts are a result of criminal actions. 
As per the XXXX XXXX guidelines, I request that you conduct a thorough investigation into the accuracy of the information being reported on my credit file. Furthermore, I insist on the immediate removal of the aforementioned accounts, as their inclusion is not only damaging to my creditworthiness but also a direct violation of my consumer rights. 
Please consider this letter as my formal notification of the inaccuracies on my credit report. If necessary, I am prepared to take legal action to rectify this matter and seek damages for any harm caused by the reporting errors. I trust that your bureau will treat this matter with the utmost urgency and adhere to the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX format. 
I expect a prompt and thorough investigation into this matter. Additionally, I request written confirmation of the results of your investigation, including any actions taken to correct the inaccuracies on my credit report. 
Your immediate attention to this matter is appreciated. Please feel free to contact me at XXXX or XXXX if you require any additional information.

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 2024-01-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX the Accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  the Accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

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