vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 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: MS

Complaint narrative:
On XX/XX/XXXX I requested that the following inquiries be removed from my credit report : XXXX : XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX  Inquiry date XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry dateMar XXXX, XXXX XXXX  XXXX  Inquiry dateXXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Experian : XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
COMPANY IS LISTING INCORRECT INFORMATION, 30 DAY LATES AND I HAVE NEVER BEEN LATE. I REQUESTED THAT THEY DO RESEARCH AND REMOVE. i ALSO OPTED OUT FOR ALLOWING ANY NEGATIVE INFORMATION TO BE SHOWN ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
An electronic payment was made to the credit card company on XX/XX/XXXX, which is the day I received the bill in the mail for a payment due XX/XX/XXXX. I have a screenshot of the payment made through XXXX XXXX for the entire balance of {$71.00} on XX/XX/XXXX. On XX/XX/XXXX I received a statement with a {$29.00} late fee and {$2.00} interest charge. I called the credit card company and they refused to waive the late fee. 
When I tried to explain that I had a screenshot of the payment the representative named XXXX could care less.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called JP Morgan Chase XX/XX/24 XXXX  separate times, I had paid the credit card off in full and XXXX week later after the balance was {$0.00}. They charged a {$32.00} Interest Charge which they failed to include in the balance. 

I requested 3 times to remove ans waive this charge, JP Morgan Chase refused to grant my request. 

They're acting in bad faith as this is an unfair, unreasonable, and dishonest act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
The credit reporting agenciesXXXX, XXXX and XXXX continue to report my Capital One XXXX  credit card ending in XXXX as a charge off. However, I was a victim of a burglary in which the thief fraudulently used my card and identity to cause the charges on my credit card, as a result, I am not responsible for the charges. I have attached a copy of the police report in which the criminal was ordered to pay me a restitution of {$49000.00} and sentenced to XXXX  years in XXXX for the crimes of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this charge off account from my credit report agencies as it is a result of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: MI

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. 


I told XXXX, XXXX, and Equifax to reinvestigate this account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

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 XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: MI

Complaint narrative:
I have requested XXXX XXXX XXXX to produce and send me. All original contract documentations with my signed signature pertaining to alleged delinquency 30 day past due debt for XXXX of XXXX. That is being reported as a past due delinquency on my TransUnion credit profile. I sent a certified letter on XX/XX/XXXX requesting the original contract along with payment history documentations. It's been well over 30 plus days and XXXX XXXX XXXX  has yet to produce or mail the original contract documentations or the payment history pertaining to alleged 30 day past due delinquency debt hat is being reported on my TransUnion credit report. ( See Attached certified letter mail date and receipt )

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
COMPANY IS REPORTING INCORRECT INFORMATION, SO I DISPUTED THE INFORMATION, I SENT OPT OUT REQUEST AND A COPY OF THE CIVIL LIABILITIES ACT. SO THAT NEGATIVE WAS NOT AUTHORZED TO BE SHOWN ON 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 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened up my business account then I deposited my check to my business account then Chase froze my account and wont release funds from check I deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: MS

Complaint narrative:
I sent Experian credit bureau a letter to verify XXXX XXXX XXXX XXXX XXXX wasnt not mine U.S Code 1681b states the credit reporting Agency doesnt not have the right to report anything on my credit report without my written instruction. I never gave them written instruction to report anything on my credit report. 15 U.S code 1681c Identify theft prevention ; fraud alerts and XXXX XXXX XXXX. State without my written instruction this is consider as identity theft. On XXXX this account was deleted from my XXXX XXXXXXXX credit report but came back verified on my experian credit report how is that possible when the experian credit bureau properly investigated the information reporting on my credit report in accordance with the fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. I need proof on how did they verify this account or delete it immediately or I want a XXXX dollars for every violation as they violated my rights even more.15 U.S.C 1681 section 602 A. State I have the right to privacy

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 2024-03-23 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. 

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 XXXXXXXX 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 2024-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX is a Debt Collector. I never did business with this company. This is an identity theft case.

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I Requested validation of this debt as allowed per the FCRA section 609 and the fdcpa.

Despite Previous correspondence the collection agency Lvnv funding LLC has only provided a billing statemen of the alleged debt, and has failed to provide the original contract.as me being a previous victim of identity theft. I always request all documents for my own file. Additionally, LVNV funding. LLC has failed to provide documented ownership of the debt, proof of their license or right to collect on the debt in my state, and proof of any previous payments made on the debt. Their failure to provide this information within the required timeframe is a clear violation of the FDCPA. Furthermore, LVNV Funding LLC has continued to contact me through true accord regarding this debt despite me requesting for them to cease communication. They are texting me as i type this .which i have documented. Their continued contacts constitutes harassment.moreover, LVNV funding LLC has even failed to report to the bureaus that the two alleged debts were in dispute.as such, I demand {$1000.00} for their non compliance and harassment. Additionally they are reporting a balance on a collection account. ( two collection accounts by them ( XXXX XXXX XXXX ) this is misleading and inaccurate reporting.LVNV has violated me in many ways. So i request they delete these accounts off of my credit report. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Dear cfpb, I am experiencing extreme hardship at this time. I made arrangements with Synchrony Bank and Care credit. I thought was going to be activated. One for {$180.00} the other for like {$80.00}. We made arrangement for auto pay for XXXX monthly payment for both accounts. Synchrony did not activate autopay. This put me behind, and now they are requesting double payment. I do not believe that I am responsible for that payment during the time in which they did not activate my account.. I can not afford a double payment at anytime. I asked for them to change my payment to accommodate my finical situation, so that I may be more able to honor my committed payment arrangement. I do thank you for reducing the payment to {$180.00} but the denied my request to change the payment date to the XXXX so I could be certain that the money would be available early in the month. This is the unfortunate reality of situation I'm currently experiencing. But that amount of payment is still harsh considering my circumstances.

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 2024-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I'm submitting this complaint in reference to Southwest Credit System knowingly inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand the account be deleted off of my credit report immediately. Southwest Reported the account back in XX/XX/XXXX with a different account number, I summited a complaint. No response. In XX/XX/XXXX, and Southwest rep stated the account was no longer in their possession and removed the account. On XX/XX/XXXX the account was added back with a new account number which is considered false information and a violation to my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Upon reviewing my credit report, I discovered multiple hard inquiries that I did not authorize. These inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX were made without my consent, which is a violation of my rights under the FCRA, FACTA, and FDCPA.

Enclosed with this letter are copies of my credit report highlighting the unauthorized hard inquiries for your reference. I request that you conduct a thorough investigation into these unauthorized inquiries and remove them from my credit report immediately. 

The FCRA requires that credit bureaus investigate disputes regarding inaccurate or unauthorized information in a timely manner. Therefore, I request that you investigate these unauthorized hard inquiries and remove them from my credit report as soon as possible. 

Failure to comply with the FCRA, FACTA, and FDCPA may result in legal action. I trust that you will handle this matter with the urgency and seriousness it deserves. 

Please inform me of the results of your investigation and any actions taken.

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 2024-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
XXXX invest account Ive been charged for a few months Everytime I have to transfer money taken out out my checking account finally after paying fees they finally stopped now after a few months they have taken money out of an account I closed along time ago. Now i have to try to close it again!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-23 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: TX

Complaint narrative:
I AM IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WITH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS IMMEDIETELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE. 

TRANSUNION : XXXX XXXX XXXX XXXX CHARGE OFF LAST ACTIVITY XX/XX/XXXX ( CERTIFICATE OF INDEBTNESS ) -CXXXX XXXX- CHARGEOFF ( CERTIFICATE OF INDEBTNESS ) -XXXX XXXX XXXX CHARGE OFF LAST ACTIVITY XX/XX/XXXX -XXXX XXXX  {$14000.00} ( NOT THE SAME WITH OTHER BUREAUS, INACURATE MUST BE DELETED ) XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX CHARGE OFF IS A CERTIFICATE OF INDEBTNESS . INCOME CANT BE REPORTED. 

XXXX, XXXX XXXXXXXX XXXX- CHARGE OFF LAST ACTIVITY XX/XX/XXXX ( CERTIFICATE OF INDEBTNESS ) - XXXX XXXX {$15000.00} ( NOT THE SAME WITH OTHER BUREAUS, INACURATE MUST BE DELETED ) -XXXX XXXX LAST ACTIVITY XX/XX/XXXX THIS IS INACTIVE MUST BE DELETED. ( CERTIFICATE OF INDEBTNESS ) XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX, XXXX XXXX  XXXX XXXX CHARGE OFF ( LAST ACTIVITY XX/XX/XXXX. XXXX BUT OPEN DATE IS XXXX XXXX. XXXX ) XXXX XXXX $ {$15000.00} ( NOT THE SAME WITH OTHER BUREAUS, INACURATE MUST BE DELETED ) -XXXX XXXX  LAST ACTIVE XX/XX/XXXX BUT OPEN DATE IS XX/XX/XXXX THIS IS INACTIVE MUST BE DELETED. 
XXXX XXXX  LAST ACTIVE XX/XX/XXXX BUT OPEN DATE XX/XX/XXXX, THIS IS INACTIVE MUST BE DELETED. 
XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX CHARGE OFF IS A CERTIFICATE OF INDEBTNESS. INCOME CANT BE REPORTED. 


IN ACCORDANCE with the fair credit reporting act. public law 91-506. title VI, section611. provide the names and business addresses of each individual with whom you verified above so that i may follow up. please send me an updated copy of my credit report after your investigation.

Reporting inconsistent balances across bureaus date of first delinquency illegally being changed privacy act of 1974 this is a voilation 15 U.S.C.CODE 1681B every company must have written consent to confirm everything is accurate.

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 2024-03-23 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was charged for purchases that I did not make. They were all done in the month of XXXX from XXXX. I have never been to XXXX. I did not report this for a few months because I was dealing with the death of my mother. Once I did report it I told them I had no idea where the card was. They remove the charges. Then without warning they rebuild me. They said they tried to make a phone call with no contact and they also had a letter mailed XX/XX/XXXX that was never sent out. When I called to complain the lady said that the physical card was used and those were my purchases and then I had to prove that I was not in XXXX at the time. It is almost impossible to prove a negative so I have attached my bank statement from XXXX so you can see the pattern of the charge. I have also attached the adjustment they gave me and then also the rebill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: MI

Complaint narrative:
For the past XXXX weeks I have contacted the credit bureaus. They updated my new balance, but then reduced the credit limit amount. This is inaccurate as the credit limit actually increased right after I paid it down. So they obviously knew this as they reduced the limit after they saw the payment lowered. They even increased it and then lowered it. I even sent a screenshot showing the updated credit limit. I'm getting a car soon and this inaccurate info will influence how much I pay! I could understand if it was an actual mistake but when I contacted them they keep denying it. It's inaccurate and they should fix 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 explanation