vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 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: CA

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. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 non-monetary relief
Consumer complaint received 2024-04-20 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: NY

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that experian will investigate this account for me to ensure accuracy. Here is the account i am asking you to verify as accurate XXXX  XXXX account XXXX XXXX  XXXX account 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 2024-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RAS LaVrar, LLC
State: GA

Complaint narrative:
Firstly, I enter into this matter with honor and clean hands. I am serving you with a Notice of Understanding and XXXX  XXXX, along with a full record of accounting and a proof of claim. XXXX XXXX, as the holder in due course, XXXX XXXX XXXX seeks specific documentary evidence, namely, the true and certified copy ( not a photocopy ) original XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Agreement and Application, in both physical paper and electronic formats. This request is made in order to evaluate XXXX XXXX. 's compliance with UCC 3-302 HOLDER IN DUE COURSE and Generally Accepted Accounting Principles ( GAAP ). 

Please refer to the provided Proof of Claim documentation, which includes : 1. Verification of XXXX XXXX. 's holder in due course status is sought. XXXX XXXX XXXX formally requests documentary evidence demonstrating XXXX XXXX. 's initial acceptance of XXXX XXXX XXXX signed instruments in good faith and in exchange for value, as required by UCC 3-302. XXXX XXXX XXXX understands the necessity of consideration in a valid contract and requests access to complete public and private accounting records, including all actual accounting and double-entry transactions representing the flow of funds from XXXX XXXX XXXX account ( s ) to XXXX XXXX XXXX account ( s ), supported by a sworn affidavit. 

2. A true and certified copy ( not a photocopy ) of the original instruments, specifically the XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit Agreement ( s ) and the XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit Application ( s ) for account ending in ( XXXX ), is requested. This should be provided under penalty of perjury and with unlimited liability. Additionally, confirmation is requested regarding whether this Note has been sold. 

3. Presentment : XXXX XXXX XXXX formally demands the exhibit of the instruments for account ending in ( XXXX ) in accordance with the Uniform Commercial Code 3-501. 

4. If the instrument has been sold, all related actual accounting and physical paper/electronic market trade transactions are requested in accordance with the Uniform Electronic Transactions Act and GAAP. 

5. Confirmation of the name of the duly authorized representative from XXXX XXXX. is sought. Additionally, clarification is requested regarding any actions taken, both public and private, concerning this account in accordance with the Money Laundering Control Act of 1986. 

6. If there is an escrow account associated with a XXXX XXXX XXXX XXXX XXXX XXXX account ending in ( XXXX ), XXXX XXXX XXXX hereby formally requests access to the complete public and private accounting records. This includes all actual accounting and double-entry transactions representing the flow of funds and current account balances ( CAB ). 

7. XXXX XXXX XXXX requests all IRS tax form filings related to accounts ending in ( XXXX ), including but not limited to forms 1099-C and 1099-OID.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I have been asking this company for several years to confirm that this credit card belongs to me, which they have not done. I do not recognize this account and never opened it. I noticed this account on my credit report in XXXX  and reported it to total visa. I am a victim of identity theft and have filed a report with the Federal Trade Commission, which I sent to the credit reporting agency. However, this account is still on my credit report, and it needs to be removed because it is not a valid account that I authorized. Total Visa has ignored dispute after dispute, attached to this complaint is all the info they have requested in order to remove account. Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: CA

Complaint narrative:
I have been asking this company for several years to confirm that this credit card belongs to me, which they have not done. I do not recognize this account and never opened it. I noticed this account on my credit report in XXXX  and reported it to XXXX XXXX. I am a victim of identity theft and have filed a report with the Federal Trade Commission, which I sent to the credit reporting agency. However, this account is still on my credit report, and it needs to be removed because it is not a valid account that I authorized. XXXX XXXX has ignored dispute after dispute, attached to this complaint is all the info they have requested in order to remove account. Please see attached

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 2024-04-20 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: OH

Complaint narrative:
I am writing with the intent of having specific information removed from my personal file. The details of the items I am seeking to have deleted are outlined within the accompanying report. Unfortunately, I have been subjected to identity theft and wish to clarify that the charges in question were not incurred by me. In the interest of ensuring the accuracy of my credit report, I kindly request the prompt deletion of these items. 
For further credibility to my claim, I have reported this identity theft incident to the Federal Trade Commission. Enclosed, you will find copies of the affidavit provided by the Commission attesting to the identity theft. I appreciate your swift action in resolving this matter. I have attached my ID and Social Security Card to Verify my Idenity.

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 2024-04-20 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances of getting a mortgage and has caused a lot of financial harm to me. I need these fraudulent inquiry accounts removed ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: NY

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account i am asking you to verify as accurate XXXX  XXXX account XXXX XXXX  XXXX account 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 2024-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2023, our XXXX hosted a XXXX XXXX which lasted till XXXX after cleanup and money count. We went to the Chase ATM close to the school to deposit our cash so we wouldn't have it over the weekend, but when I submitted the stack, the ATM had an error. I removed the stack and tried breaking it into XXXX. The 1st stack seemed about accurate, the 2nd stack seemed short, and after the last stack in I knew we were short by {$410.00}. I attempted to cancel the transaction thinking it would refund my entire stack of bills, but it did not. Someone pulled up behind me to use the ATM so I pulled over to the side and called the XXXX XXXX to see what to do. She said they would give us the missing money after I file a claim, so I deposited what I had left ( {$1300.00} ) and filed a claim the following day. My husband ( also a XXXX XXXX ) was in the car with me to verify all this. Chase gave the money back right away at XXXX, but a month later took it back, saying they weren't off in the ATM. I am missing XXXX $ XXXX, XXXX $ XXXX, and XXXX $ XXXX according to our cash count sheet which was verified by 2 people prior to deposit. The ATM also had a note on it the following month stating they had deposit issues and not to deposit any cash, so I know it's not just me having deposit issues. They still refuse to give us our money back. Claim # XXXX was our original claim & they kept closing it after XXXX conversation with us after their initial reversal. No one else will help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Someone must have charged my account without my knowledge back on XX/XX/2020 ( 4 yrs, 1 mos ) I have tried letting them know I never purchased whatever was ordered. They refuse to remove this from my credit report even after I told them of The statute of limitations on debt in Texas is four years. Section 392.307 of the Texas Finance Code.

15 U.S.C 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
This is is the XXXX XXXX this matter come before you each of the previous time it was investigated and removed however, this company name Jefferson capital still trying to extort me for an account that I previously dispute and was removed from my credit file because it was fraudulent. 
In XX/XX/XXXX, I was in the process of buying a house I gave permission to a mortgage company to run my credit, there was a fraudulent account on my credit report associated with XXXX under a company name allied collection service. I immediately contact XXXX, the three credit reporting agency, XXXX XXXX XXXX as well as filling a FTC fraud report ; the matter was investigated and was removed from my credit file on XX/XX/XXXX. 
This year a company name Jefferson capital system, called my phone XXXX times a day, I thought it was scam, after many calls and no messages I called them back. I was threating to pay them the money they said I owed on a sprint account, I told them I never have sprint. a few days later the account appeared on my credit file when I looked closely it is the same fraudulent account that I have previously disputed and was removed from my file in XX/XX/XXXX. I called XXXX which is now XXXX, the XXXX I spoke with told me that matter was resolved and I don't have any account with them. I reached out to the credit bureaus and the company nothing has been done. I believe that they are using this to extort money from me. 
I have had a identity fraud alert in my credit since XXXX after my identity was stolen and I have previously from several complaint with the FTC regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: TN

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. 

Account Name : XXXX Account Number XXXX and list of Inquiries. 

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 2024-04-20 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: TN

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. 

Account Name : XXXX  Account Number XXXX  and list of Inquiries.

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 2024-04-20 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:
I XXXX XXXX have never given any credit reporting companies permission to report UNDER LAW FRCA SECTION 605B. I wish to have all reports on my name erased

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 2024-04-20 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've checked my consumer report XX/XX/2024 I still see the same inaccurate and malicious items on my report. I would like for XXXX, XXXX, and experian to reinvestagate and please inform me where they validate these inaccurate items from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all the inquiries and all the false addresses. Please delete of of the malicious and inaccurate information from my consumer report as soon as possible.

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 2024-04-20 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: TX

Complaint narrative:
I disagree with the account listed below wich still appers on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies ar highly injurious to my credit score, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, section 611, subsection A-D, please provide the names and bussiness addresses of each individual with whom you verified the above, so I may follow up. Please send me an updated copy of my credit report after your reinvetigation. 

XXXXXXXX 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 2024-04-20 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: GA

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 non-monetary relief
Consumer complaint received 2024-04-20 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: U.S. BANCORP
State: NY

Complaint narrative:
On XX/XX/2024 I attempted to purchase groceries at my local XXXX XXXX. I attempted to make a purchase on the mobile application. Unfortunately the app did not process my card. The next day I saw I was charged for the groceries. I reached out to customer service for XXXX but they said I had to dispute the transaction with US Bank. I reached out on XX/XX/2024 and they put a temporary credit on my account. I received no request for further information. A month later on XX/XX/2024 they put the charge. I called US bank right away and asked for it to be disputed. I also asked what information they needed and was told nothing at this time. I received a denial letter today XX/XX/2024 saying incorrectly I needed to return the merchandise purchased.

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