vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-20 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: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
A hard inquiry was made by JP Morgan Chase on my credit file on XX/XX/year>. I have not applied for credit and do not believe that they had permissible purpose to pull.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capitalone credit card was opened XXXX and it was closed by them on XXXX since than I have requested to remove for my credit report cause frauds charges and fees and so they keep it open until XXXX this year or last year by saying it was still opened and the last payment was made on XX/XX/XXXX and I was out of the country since XXXX to XX/XX/XXXXXXXX XXXX stuck during the covid 19 and everytime I ask credit report to dispute it they don't want to it's be close over 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Violation of Privacy Act and Terms and Condition per to 15 usc 6801 reporting to non affiliates. Under the Privacy act of 1974 and 15 usc 6802 to 15 USC 6805,16 CFR 313.1 and 16 CFR 313.7 f i choose to opt out of all and any written and unwritten verbal and non verbal Authorization as a federal protected consumer per the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Violation of Privacy Act and Terms and XXXXndition per to 15 usc 6801 reporting to non affiliates. Under the Privacy act of 1974 and 15 usc 6802 to 15 USC 6805,16 CFR 313.1 and 16 CFR 313.7 f i choose to opt out of all and any written and unwritten verbal and non verbal Authorization as a federal protected consumer per the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: BARCLAYS BANK DELAWARE
State: PA

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've been disputing things on my report since the summer and it's alot of wrong information and wrong addresses plus wrong names on my report and I get email from ( Experian ) that they are not removing 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
Consumer complaint received 2024-10-20 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: CA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2024-10-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Portfolio Services, Inc.
State: SC

Complaint narrative:
According to *15 U.S. Code 1666 ( b ) *, creditors are required to correct billing errors promptly. I believe that this late payment entry is inaccurate for the following reasons : the late payment is inaccurate. : " The payment was made on time but was not processed correctly by your system and I never received a bill for the month in question, and I dispute the late payments that was applied as a result I am trying to buy a house for my XXXX XXXX  and this late payments hurts my dream thank you for understanding my situation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I had an account takeover and lrotected all accounts even if nonactivity was fraudulent. I have been with ulta since XXXX and they are my fav company. I called ulta to geta card and they kept telling me someine would call to verify my info. No call both time. I tried again last month but was told i needed to semd my ss card dl copy front and back to bread financial. I was really hesitante since i had id theft but ask a XXXX at an actual ulta store and they said that was normal. Aince it was the only was to get the card i did it via email XX/XX/XXXX. I was also supposed to get a letter vut never did. When i openes my mail yesterday there was a letter saying they closed my account so i called. 
The lady seemed like a acammer not ulta but idk. She qas unterested in a police report i filed and could not give me dates and info of when and why i had called. She said maybe i called XX/XX/XXXX or XXXX. I asked XXXX diffrent reps why i was closed and they said maybe they couldnt verify my info they think but said i couldnt knnow my own info. How can i not know my oqn info and why close my account when i send my document. I am now conxerned at who i was talking to and sho has my personal document. I am so upset because can not get another card and there was no reason to ckose my account when i did what they asked. I spoke to XXXX in the ulta commenity XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've been disputing things on my report since the summer and it's alot of wrong information and wrong addresses plus wrong names on my report and I get email from ( XXXX ) that they are not removing 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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've been disputing things on my report since the summer and it's alot of wrong information and wrong addresses plus wrong names on my report and I get email from ( XXXX ) that they are not removing it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: DE

Complaint narrative:
A hard inquiry was made by XXXX XXXX XXXX on my credit file on XX/XX/year>. I have not applied for credit and do not believe that they had permissible purpose to pull.

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 2024-10-20 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent activity, this is hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: TX

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 explanation
Consumer complaint received 2024-10-20 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: CL Holdings LLC
State: AR

Complaint narrative:
XXXX XXXX keeps posting on my credit report as closed and late payments, I was contacted my Jefferson Capital Systems XXXX XXXX XXXX advising that they was collecting for XXXX XXXX, I then paid the company the amount requested and was told that everything would be taken off my credit report, but everything is still on it, I have provided proof to XXXX and XXXX and both refuse to remove the account from my credit report even after providing proof of account paid for and cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I hope this message finds you well. I am writing to formally request the removal of an old account from my credit report that is over XXXX years old. According to the Fair Credit Reporting Act, accounts that are more than XXXX years old should no longer be included in credit reports. The account in question is [ Account Number or Description ], which was opened on [ Date ] and has been inactive since [ Date ]. I kindly ask that you investigate this matter and remove the account from my credit file at your earliest convenience. Thank you for your attention to this issue.

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 2024-10-20 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: AR

Complaint narrative:
I hope this message finds you well. I am writing to formally request the removal of an old account from my credit report that is over XXXX years old. According to the Fair Credit Reporting Act, accounts that are more than XXXX years old should no longer be included in credit reports. The account in question is [ Account Number or Description ], which was opened on [ Date ] and has been inactive since [ Date ]. I kindly ask that you investigate this matter and remove the account from my credit file at your earliest convenience. Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I hope this message finds you well. I am writing to formally request the removal of an old account from my credit report that is over XXXX years old. According to the Fair Credit Reporting Act, accounts that are more than XXXX years old should no longer be included in credit reports. The account in question is [ Account Number or Description ], which was opened on [ Date ] and has been inactive since [ Date ]. I kindly ask that you investigate this matter and remove the account from my credit file at your earliest convenience. Thank you for your attention to this issue.

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 2024-10-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Here is a list of the unauthorized inquiries : XXXX. XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX Here are some of the derogatory items on my credit XXXX. XXXX XXXX XXXX Was 120 days late XXXX time ( XXXX ). 
XXXX. XXXX XXXX XXXX, collection account, placed for collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Beginning XX/XX/year> until XX/XX/year>, I had been rate shopping for a mortgage loan. Equifax has listed on my credit report five ( 5 ) hard inquiries, one for each mortgage company that checked my credit. I have never denied that I entertained rate quotes from these mortgage companies. My issue is according to the policy of Equifax if a person is rate shopping for mortgage loans within a specified number of days, then the hard inquiries are consolidated and count as one ( 1 ) hard inquiry. The hard inquiries are not consolidated as they should be according to Equifax policy.

I previously filed a dispute for this same matter. Apparently, the dispute was not fully read or misinterpreted, because notices were sent to the five ( 5 ) mortgage companies that I had been rate shopping. These notices stated that I disagreed with my credit file being retrieved as a hard inquiry, so I received phone calls, emails, and documentation via USPS mail that the inquiries were legitimate. The legitimacy of the inquiries has never been in question, only the consolidation by Equifax which to this date has still not occurred and is impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: SC

Complaint narrative:
I pay off my car loan XXXX XXXX  with XXXX late payments from XXXX till XXXX but in my credit report showing late payments of couple months and thats hurting my my credit score

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 2024-10-20 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: SC

Complaint narrative:
I pay off my car loan XXXX XXXX  with XXXX late payments from XXXX till XXXX but in my credit report showing late payments of couple months and thats hurting my my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: IN

Complaint narrative:
I need to be Free and Clear of CPS. DEBT DUE TO XXXX FAILING TO DECLARE MY XXXX XXXX XXXXXXXX XXXX RECALL. THE ENGINE STOPPED ALONG WITH BAD TIRES, BRAKES, CAPIBLER, ALIGNMENT, CAR OUT OF CONTROL, REFUSE TO FIX UNDER WARRANTY, WHEEL BEARING.. YOU NAME IT! 
I HAD TO TOW IT BACK TO DEALERSHIP AT XXXX XXXX XXXX LOCATION OFF XXXX XXXX XXXX ALL PPL INVOLVED FROM SALES TO BANK HAVE ALL HAVE BEEN A TOTAL COVER UP.. I DID HEAVY RESEARCH AND FOUND PROOF OF NEGOTIAGTE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: MOHELA
State: OH

Complaint narrative:
Applied to the School Misconduct Discharge and was denied with a vague response, as follows : " We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( s ) : XXXX  carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school '' Requirements and factors are not defined and are hidden. Need explanation of such as I am a member of other discharges for other loans that were made for this same school that defrauded me.

Company response to consumer: Closed with explanation