vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C.
State: NV

Complaint narrative:
Gurstel Law Firm is acting in bad faith by attempting to collect on a debt that does not belong to me. The original creditor, XXXXXXXX XXXX XXXXXXXX, has already acknowledged that the debt no longer belongs to me and is a result of credit card fraud and Identity theft and closed the accounts. However, Gurstel Law completely ignored XXXX and is incorrectly and malicously reporting my accounts to the credit reporting agencies despite my numerous follow up letters. I am requesting that Gurstel Law firm cease from reporting my closed XXXX accounts to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I signed up for the Chase Freedom XXXX Credit Card in XX/XX/year> due to the 1.5 % cash back on purchases and a well advertised {$200.00} sign-up bonus that is still listed on their website - 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 

The offer indicates that customers who spend {$500.00} within the first three months will be eligible for {$200.00} cash back in the form of XXXX bonus points with an expected 6-8 week waiting period. I spent {$500.00} within the first month and have waited for the XXXX bonus points to show up on my account. When it did not, I called the company and spoke with two different customer service agents on XX/XX/XXXX ( today ). They have indicated that I am ineligible for this offer with no further explanation. I have not had a Chase credit card in years and appear well qualified for the offer based upon all the stipulations on their website. This is unacceptable and I'm seeing that other customers have experienced the same frustration through a quick review of XXXX posts. 

The company either needs to remove this clear false advertising ( which is luring prospective customers to sign up based upon false promises ) or pay out the bonuses that customers have earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
FRB/ Chase now who responded and admitted to removal money {$140.00}, XXXX from # XXXX my account with no authorization or permission Stealing Now Chase claims it was for taxes. I submitted documentation XXXX month PRIOR to withdraw and prior to any FRB payment FRB supposedly doubled my payments but according to NYDept of Finance overpayments are returned and It went back to FRB FRB now Chase to date did not return my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: MN

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 XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

For many years I have looked at my account and in accordance to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow procedures to assume maximum possible accuracy of the information concerning the individual about whom the information relates according to 15 U.S.C 1681 ( e ) ( b ) 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604A section 2 It also states 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 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 2024-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: IL

Complaint narrative:
I applied to a credit card. I recognize US Bank allowed such credit cards for XXXX XXXX XXXX I feel that because I had a former previous XXXXXXXX XXXX XXXX  closed that US Bank wrongfully denied my application for a new credit card only because I utilized a XXXX XXXX XXXX in the past which likely had inquiries but had nothing to do with any poor credit report. 

Because my credit report was good and that US Bank only denied due to being concerned about numerous inquiries to the previous closure of a XXXX XXXX XXXX  and that I was not eligible to receive a XXXX XXXX XXXX  on my previous account upon closure due to no fault of the consumer as if the promotional period block was the only active item ( previous XXXX XXXX XXXX wrongfully lowered credit score as if to think I was a new credit card holder rather than a previous credit card holder as to be only blocked due to the promotional period ) - I feel that US Bank failed to provide a credit card as if to wrongfully blame the former XXXXXXXX XXXX XXXX  holder. 

I no longer need the XXXX XXXX XXXX  because I am utilizing XXXX now. I feel that US Bank wrongfully denied a XXXXXXXX XXXX XXXX and this is not the fault of the credit reporting agency but a fault of XXXX credit card application review per US Bank. US Bank can correct this as part of XXXX  Credit Cards in total, but I feel this is a concern for fraud against the XXXXXXXX XXXX XXXX  Application review wrongfully denying a XXXXXXXX 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 2024-09-04 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: NY

Complaint narrative:
For the past months I have tried to reach out to your company to have these items reviewed, investigated and removed - none of which you have responded with good concerns. I have been struggling with getting credit approvals because of this items reporting on my file, and I need you to remove them 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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In response to your this complaint being closed. I never received a letter from Tranunion Consumer Solutions requesting my SS #. I would like this to be re opened and the letter sent to me so I may provide the information requested. If Transunion can send this letter via certified mail I would greatly appreciate it.

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 2024-09-04 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Consumer financial protection bureau ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Unauthorized Disclosure of Personal Information Due to Data Breach and Request for Removal from Credit Report Dear Sir/Madam , I am writing to formally dispute the presence of certain entries on my credit report due to the unauthorized disclosure of my personal information, which I believe occurred as a result of a data breach. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies have a duty to ensure that the information they report is accurate and that it is obtained in compliance with applicable laws.

My personal information was compromised in a data breach, and as a result, it may have been used or shared without my consent. I did not authorize the use or sharing of my personal information, and I am deeply concerned about the potential misuse that could impact my credit report.

Under 15 U.S.C. 1681b, consumer reporting agencies are required to have permissible purposes for obtaining and reporting a consumer 's credit information. The breach and subsequent unauthorized use of my data do not constitute a permissible purpose under the FCRA. Therefore, I request that any entries on my credit report that were a result of this data breach be removed immediately.

Please conduct a thorough investigation and provide me with a detailed response. If you find that my information was used or shared in violation of the FCRA, I expect the erroneous information to be removed from my credit report without delay.

In accordance with 15 U.S.C. 1681i, you are required to investigate my dispute within 30 days. I request that you notify me in writing once the investigation is complete and the appropriate corrections have been made.

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: NY

Complaint narrative:
For the past months I have tried to reach out to your company to have these items reviewed, investigated and removed - none of which you have responded with good concerns. I have been struggling with getting credit approvals because of this items reporting on my file, and I need you to remove them 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 explanation
Consumer complaint received 2024-09-04 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: CA

Complaint narrative:
Equifax Fraud Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Identity Theft Notification and Request for Removal of Fraudulent Inquiries Dear Equifax/XXXX XXXX XXXX , I am writing to inform you that I am a victim of identity theft. My personal information has been compromised, and as a result, unauthorized individuals have fraudulently applied for credit cards, auto loans, and other forms of credit in my name. Due to this situation, there are several fraudulent inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, all fraudulent items must be removed from my credit report. I am requesting that you investigate and remove the following fraudulent inquiries from my credit
report : Fraudulent Inquiries : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX For your reference, I have included copies of my police report, my driver 's license, and proof of address. Please ensure that all fraudulent inquiries are promptly investigated and removed from my credit report.

Additionally, please provide me with a confirmation letter once these items have been removed and send me a revised copy of my credit report reflecting these changes.

If you need any further information or documentation, please contact me at the phone number or email address provided above.

Thank you for your immediate attention to this matter.

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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:
I was involved in a credit breach and identity theft

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 2024-09-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was involved in a credit breach and identity theft

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Sky Venture Holdings LLC
State: FL

Complaint narrative:
In the beginning process of filing for XXXX XXXX XXXX XXXX I reached out to this company as a courtesy to make them aware of the pending XXXX XXXX XXXX filing. In response within days they repossessed the vehicle the company states they advised of the potential repossession however I did not receive any notification. In fact I received a mailed correspondence after the repossession. And the only message I had from their company I returned their call and there was no message of the repossession. I have reached out to the company numerous times in attempt to resolve the outstanding balance. The vehicle is actually my daughters but it is in my name. The company refuses to return calls or emails and when I do call I speak with customer service representatives that just relay the message the company is demanding full payment including ridiculous fees added on top of the principal and agreed upon interest. I made the company aware that I never received a copy of any documents from their office and they continued to just disregard. Today I spoke with an agent and provided the bankruptcy filing number in all other information they requested only to be told there's notes from the supervisor it doesn't matter if there's bankruptcy filed they are moving forward with selling my asset. I have voiced to the numerous representatives I spoke with that I am fully aware of the amount due and intend on paying the correct amount but they are demanding almost double. I have asked to speak with somebody who understands the bankruptcy litigations and that is able to negotiate in the best interests of both the company and myself. I have yet to receive a return call from anybody that can assist. I also tried to explain to the company that if the vehicle is sold correctly the return would be a lot more and it would be unjust for them to sell it for what I owe and again they refused to hear it. Lastly when the repossession was taking place my teenage daughter told the gentleman my mom is at work she asked that you leave the property and deal with her directly regarding the pending bankruptcy the gentleman ignored the demand and basically bullied my daughter and ended up with possession of the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please remove these fraudulent credit inquiries from my consumer report. 

1. XXXX XXXXXX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX3. XXXX XXXX XXXX  XXXX XX/XX/XXXX4. XXXX ( Bank ) XX/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 non-monetary relief
Consumer complaint received 2024-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reviewed my credit report profile and noticed some hard inquiries that do not belong to me.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have asked proof of the appearance of the PERSONAL INFORMATION that I have no idea of.

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 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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:
I have discovered that incorrect personal information is being reported under my name. This error has resulted in the appearance of unknown and unauthorized information on my credit report.

Company response to consumer: Closed with non-monetary relief