vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently checked my report and I seen that I had unauthorized inquires on my account. I am a victim of identity theft. I have no knowledge of these inquiries. Theses inquires must be removed no later than 4 business days as per U.S. Code 1681c-2.

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 2023-11-13 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: TX

Complaint narrative:
I disputed the XXXXXXXX XXXX XXXX account about 1 year ago with all 3 credit bureaus from my XXXX XXXX credit report. My dispute letters dated XX/XX/2022, stating that this account was purchased/ sold to another lender. I do not owe money to this creditor and is being reported inaccurate as well. Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. This is what my dispute letter states to all XXXX credit bureaus. I'm stating now and again, please delete this account. There is no need to modify, verify or adjust anything. I don't owe money to this creditor. Please delete. See attachment for the dispute letter and credit report. I don't understand why do ya 'll allow companies to continue to report on consumers credit reports when they have sold the accounts to other lenders. When we dispute this matter, ya 'll always verify the account instead of removing the account. There is no more interaction between the original creditor and the consumer. I have a letter from a former original creditor that demonstrated what I am stating. If needed I can submit it for proof.

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: MD

Complaint narrative:
Previously a student with XXXXXXXX XXXX XXXX XXXX XXXX XXXX enrolled in XXXX XXXX XXXX XXXX XXXX the school lost accreditation, discontinued courses, and no longer offered a degree program. I contacted the Department of Education ( loan carrier ) and they filed a suit against XXXX to have accreditation revoked. Accreditation issues were a longstanding issue with school and has been communicated since 2008 which Dept of ED/Higher Education of Learning placed them on probation and later revoked accreditation again. Students had no acknowledgment of these issues until the bill was created. I contacted the Dept of Ed to dispute the amount balance, which should be XXXX XXXX but never agreed, could not produce accurate information from the school or come to a fair agreement. I filed numerous applications to later be informed by staff, we never received your application. On a couple of occasions and now recently on pending status. Because, of the count attempts to fix the loan amount and the court documents finding the school incompetent to render services.I am filing a complaint to ask for assistance with this matter so I can address my credit, buy a house and avoid higher interest rates and larger down-payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: The CMI Group, Inc.
State: SC

Complaint narrative:
I reached out to XXXX  the original debt collector they couldnt find the account nor had any information to assist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for credit with chase Bank in XX/XX/2023 and was denied..an do to usc 1601 to 1681 I can't be denied an extension of my own credit for any reason resulting in discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX  ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Someone used my personal identity and former address that I used 10 years ago and file credit card applications three times in a month ( from this XXXX to XXXX ). I have called the Chase credit card services and closed those applications and also followed the instructions sending required materials via first-class mail to Chase Card Services to obtain copies of those fraudulent applications on XX/XX/XXXX, and XX/XX/XXXX respectively. I also made two calls to inquire why I have not received the documents that I need to report to the police. I was told that I would receive it in three weeks from the first call. I did not receive anything, then I made the second call when I was told that it would take 30 days. I asked them what number I should call to check where my case is at and was told there is no number to reach out to their investigation team. I must wait. It has been 32 days. I have not received anything from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
I have paid the settlement and provided documentation and they are not removing from 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 2023-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
Account in question : XXXX Company in question : NATIONAL CREDIT ADJUST Address XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone number ( XXXX ) XXXX The Company National Credit Adjusters are attempting to collect a debt that I do not owe. They also failed to send me any notice of the debt and my right to dispute before sending the account in question to my consumer Reports. This account is damaging my financial reputation and I wish to have it deleted. 

My current phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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:
Experian has deleted an account transaction from XXXX XXXX XXXX on XX/XX/2023 and has reinserted the information on XX/XX/2023. Experian failed to provide certified proof of the information that was allegedly verified. 

I have first hand knowledge that the account transaction is inaccurate and has been furnished and reported without any authority or written consent from me. 

Experian 's negligence is hindering me from obtaining credit for personal and household purposes. 

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 2023-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I attempted to negotiate a repayment agreement during my Chapter XXXX XXXX ; unfortunately, I was pro se and capital one does not acknowledge pro se litigation. I was told numerous times that I would need to hire an attorney if I wanted to be communicated with regarding the case. XXXX months after my XXXX, Capital One randomly repossessed my vehicle after avoiding me for the entirety of that XXXX month period. I was never able to get any response to legal petitions, they did not attend the meeting of creditors, they never wrote me or acknowledged my offer to enter into a repayment agreement, and they stole my vehicle before writing me a letter where they accused me of lying and of stealing from them. 

They have not sold the former vehicle, and are holding onto it for as long as possible to lessen the value and hopefully send me a massive bill for any remainder. Being autistic, I have XXXX idea what is going on and can not defend myself against this multinational finance company and their army of law firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Sequium Asset Solutions, LLC
State: MS

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I received a bill by email from Sequium Assets Solutions that stated I owed the amount of {$820.00} when in fact I never signed a contract and I complained on numerous occasions that they continued to bill me and my husband even though neither one of us have a contract with this company and the contract had expired years ago and each and every time I would complain about the double billing sending 2 statements to 2 people for the same account they continued to double bill us and we do not have a contract and are not obligated to pay them any money I do not owe this company for I do not have a contract with them and complained to get the account in my name and they would not do it and attached both of us to one account double billing us as of todays date I am waiting for them to fix this error they would not stop sending XXXX bills for the same account when neither of us is contractually obligated to pay it for the contract expires years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX/COMENITY/IKEAVC Account number XXXX Account type Credit card I had two marks on this account for 30 days past due. They occurred during XXXX, and I was not receiving a regular salary during the shutdown. I had been in contact with the company, and they said they understood and would work with me. 

I had paid off the account and requested that the two marks be cleared since I did communicate with the company when these events did occur, and secondly, I paid the account off. Mailed a XXXX  letter to the company XXXXXXXX XXXX XXXX. I received a response from the company on XX/XX/2023 declining my request. I did not think this was fair, but I did not know what else I could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: LEXISNEXIS
State: NC

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 2023-11-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
THIS ACCOUNT WAS A LEASED INFINITI XXXX XXXX THROUGH NISSAN- INFINITI LT ACCOUT XXXX I OPEN THIS ACCOUNT XX/XX/XXXX THIS ACCOUN T WAS INCLUDED THROUGH A XXXX  XXXX BANKRUPTCY AND IT WAS XXXX XX/XX/XXXX THIS IS CLOSED WITH A {$0.00} BALANCE AND THE INFORMATION NEEDS TO REFLEX THAT AND NEEDS TO SHOW CLOSED ACCOUNT I HAVE NOTIFY NISSAN- INFINITI LT THIS MATTER SEVERAL TIMES IN XXXX DISPUTE AND OVER THE PHONE BUT THE REP NAME XXXX STATED TO ME THE ACCOUNT IS STILL OPEN AND BY FEDERAL LAW XXXX  XXXX YOU NEED TO CLOSED THIS ACCOUNT OR I WILL TAKE LEGAL ACTION AGAINST YOUR COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
I lived in the XXXX from XXXX to XXXX and while there I opened an account at XXXX XXXX. I kept some money on that account, in case I would return to the XXXX, however, after some time Citizens Bank acquired XXXX operations in the XXXX and I stopped being able to access my funds through any means, including internet banking. This was because I did not have an SSN on record, what was due to the fact that I am a foreign citizen. After contacting Citizens several times, they did not offer a means for me to access my account by online banking and did not allow me to move my funds through a wire transfer. The only option offered was to cash a check in XXXX, the country that I live in, which would in incur in heavy fees and taxes to be paid by me, without any compensation by the bank, which is refusing to allow me to access my own money. I asked for a formal description of what the bank is proposing, but the manager refused to provide it, as well as any transcript of our conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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:
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 2023-11-13 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: NY

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 non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
XX/XX/XXXX check for {$27.00} mailed at corner mail box XXXX made credit card payment with balance of about {$2300.00} left in checking account XX/XX/XXXX attempted to take out {$1000.00} form checking not enough funds to cover called bank said between my signature and the rest of check definite difference in printing style appears to be fraud went to bank partially closed out account to allow some funds entered into account XXXX XXXX  filled out affidavit i believe opened new checking went back to check on progress waiting for refund 7 days later told still doing investigation waited again still investigation waited more went to branch still investigating week later told filled out affidavit wrong branch manager said XXXX  it was filled out correctly later called XXXX XXXX  with branch manager talked to fraud XXXX  kept checking with the back room than gave us update then back room then update still investigating XXXX XX/XX/XXXX this is way too long to be without my funds how do i pay my credit card to them w/o my funds

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 2023-11-13 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: TX

Complaint narrative:
Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error.

( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement.

( 5 ) A computation error to other similar accounting error on a creditor 's statement.

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with statement at least 21 days in advance, so precluding any occurrence of late payment on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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