vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-28 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: CA

Complaint narrative:
I have made multiple attempts to communicate, and make Equifax aw that there are fraudulent and unauthorized inquiries on my consumer report. And they continue to violate my rights by continuing to report this fraudulent and in accurate information on my consumer report. Then recently I seen two additional inquiries pop up on my credit report, which infuriates me because I continue to suffer from Equifaxs deliberate decision to ignore my request. The following inquiries are fraudulent and unauthorized and I want them removed from my consumer report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition, I filed a identity theft report with the FTC and I am including a copy of that report with this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: MI

Complaint narrative:
PLEASE REMOVE ALL OF THE INCORRECT PERSONAL INFORMATION ON MY CREDIT REPORT. THE INFORMATION LISTED ON THIS DOCUMENMT IS NOT MINE AND NEED TO BE CORRECTED. THIS IS A RESULT OF IDENTITY THEFT.US CODE 1681 E- COMPLIANCE PROCEDURES B ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2024-01-29 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: TN

Complaint narrative:
LVNV Funding is erroneously reporting adverse information to Credit Reporting Agencies in violation of the FDCPA. I believe this is an unethical approach to coercing payment for invalid debts. I advised both, LVNV and the original creditor regarding the erroneous information and requested validation. LVNV attempted to send copies of statements of transactions in lieu of contractual agreements that would allow me to see the binding signature. They were notified to cease and desist collection actions ; as well as, retract adverse information which renders them liable. They have not done so. I am now contacting CFPB, as I am seeking to establish due diligence in my efforts to resolve this matter and be justified for punitive damages should I have to resort to civil action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Veros Credit, LLC
State: CA

Complaint narrative:
VEROS CREDIT XXXX XXXX ACCT XXXX I CALLED VEROS CREDIT TO HANDLE ACCOUNT THAT THEY HAD WITH ME BUT THE LIE ON THE CREDIT REPORT ON THE OPEN DATE AND CLOSED DATE I REQUEST PROOF OF CONTRACT WITH THE ORIGNAL HOLDER NOR SOLD OF THE CAR APPRISEL AMOUNT WHEN THEY SOLD THE CAR THE CONTRACT WAS OPEN 2016 THE HELD THE ACCOUNT UNTIL The exact length of California 's statute of limitations depends on whether the debt is based on a written contract or oral promise. In the case of a written contract, the statute of limitations is four years. But if it is an oral promise, the limitation period is just two years. WHICH VEROS VIOLATED MY RIGHTShe statute of limitations on debt in California is four years, as stated in the state 's Code of Civil Procedure 337, with the clock starting to tick as soon as you miss a paymenta. The Basic Rate : The California Constitution allows parties to contract for interest on a loan primarily for personal, family or household purposes at a rate not exceeding XXXX XXXX  per year. THEY ALSO WAS VERY NASTY RULED WHEN TRYING TO SPEAK ABOUT THE LOAN AND ALSO THE CALL WAS RECORED SHE WAS CUT ME OFF IN SAID THE WRONG THINGS I WAS A CO SIGNER NOT THE ACTUALL OWNER ALSO THEY FRAUD THE APPLICATION MADE ME THE PRIMARY OWNER WHEN INDEED I WAS TOLD I WAS THE CO SIGNER BUT IT PASSED THE LIMITATION. COMPANY IS VERY RULED DIDNT WANT TO WORK IT OUT BECAUSE OF THIS IS CAUSE A HARDSHIP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MI

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 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are 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 some accounts. All is being investigated by the FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 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: Self Financial Inc.
State: PA

Complaint narrative:
I have an account that appears on my credit report after being paid off and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reliant Capital Solutions, LLC
State: OH

Complaint narrative:
To let you know I have never owned the amount of {$12000.00} on or after the date XX/XX/2022 its a fake report. 
Thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: IL

Complaint narrative:
A new bank account was opened with my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: 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. The XXXX XXXX Account number XXXX and the XXXX  Account number XXXX are in violation of my rights in accordance to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 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: CA

Complaint narrative:
I AM RESUBMITTING BECAUSE ONE OF MY UPLOADED DOCUMENTS WAS MISSING INFORMATION. 

ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY CARD I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING PLUS THESE ARE NEGATIVE ITEMS CREATED UNDER MY SOCIAL SECURITY NUMBER, REMOVE THEM. I HAVE CONTACTED THE XXXX XXXX XXXX  AND MY ATTORNEY GENERAL AS WELL. Unauthorized Inquiries : XXXX XXXX XXXX - XX/XX/2023, XXXX XXXX - XX/XX/2023

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 2024-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My account was frozen XX/XX/XXXX without notice due fraud suspicion which I understand but then my account was closed on XX/XX/XXXX, nothing has been communicated to me in writing, I was told I would receive a cashiers check for my balance which was in my account prior to the attempted fraud. I need this money to live. Chase gives nothing in writing and the customer service agents keep telling me to call back in a few days. I understand the bank has legal requirements due to government safeguards but I need my money returned. This was a scam to my account and my money in the account is valid from my job and can be traced to XXXX XXXX my employer. The amount in the account which is suspended is {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Transunion is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). Transunion is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am exercising my right of opting out of your reporting services. US DEPARTMENT OF EDUCATION never informed me of my right to exercise my nondisclosure option. 15 U.S. Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR1016.7 goes on and states that " A consumer may exercise the right to opt out at anytime. I am opting out of your reporting services.

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 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On my latest American Express statement I noticed my card renewed and an annual fee was charged. I contacted American Express today to cancel my card and refund annual fee. I had to ask multiple times to cancel the card. I was then told the fee would not be refunded since it had been more than 30 days. Amex offered multiple offers to keep my account open but they all required agreeing to not close the account for 12 months resulting in an additional yearly fee. I asked to speak to a supervisor and requested a formal complaint be open for deceptive practices. I then asked to speak to their manager to confirm the complaint. The manager stated there would be no follow up since my compliant was marked internal. I reiterated my concerns 1. By the time a customer realizes there is a fee its too late to cancel.

2. There is no way to stop/turn off the auto renewal.

3. American Express does not follow up with customers who file formal complaints for deceptive practices and/or policies.

Representative told me they could not email chat but to reference ID i.e. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Oklahoma Student Loan Authority
State: MT

Complaint narrative:
I co-signed a loan for my daughter for college. It was Paid in full on XX/XX/2023, but is still showing on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Filed a complaint and charge back with Bank of America about a XXXX  charge on a XXXX branded Credit card through Bank of America. Instead of requesting or providing and information they simply closed the dispute. Then tried to bully me by saying that the vendor can come after me other ways. 

Based on the lack of products and services I did not receive as outlined in the product list we are disputing {$3400.00}.

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 monetary relief
Consumer complaint received 2024-01-28 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: NC

Complaint narrative:
I am writing in response to TransUnions letter dated XX/XX/year>, which acknowledged the recent submission of my dispute concerning certain entries on my credit report. 

I fully understand the importance of authenticating the source of requests ; however, the dispute was indeed submitted directly by me, the consumer, and not through a third party. I take great care in managing my credit profile and have diligently followed the appropriate procedures outlined by the Fair Credit Reporting Act ( FCRA ). 

In TransUnion 's response, they noted that it didn't appear that the request was sent directly by me or a properly authorized third party. Allow me to reiterate that I am the authorized individual disputing the accuracy of the information on my credit report, and this communication serves as additional clarification and verification of my identity. 

To address TransUnions specific concern, I have not engaged the services of any credit repair company, credit clinic, or any third party to represent me in this matter. Therefore, there is no third party to identify, and I have not granted authorization for any such entity to communicate with TransUnion on my behalf.

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 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Good Evening, I have submitted a registered security via the Electronic Fund Transfer Act, it is my understanding that my signature secured the security, in which per your Indenture you are selling that security on the secondary market and making profit daily. I did not GIFT you my signature/security. I expect Considerable Value to be given in exchange. Holders shall have an absolute right to receive payment of the principal of, and interest on, their Notes when due, and to institute suit to enforce any such payment. IN SHORT THE CREDIT APPLICATION IS a Asset-backed security ( A ) means a fixed-income or other security collateralized by any type of self-liquidating financial asset ( including a loan, a lease, a mortgage, or a secured or unsecured receivable ) that allows the holder of the security to receive payments that depend primarily on cash flow from the asset, including- ( i ) a collateralized mortgage obligation ; ( ii ) a collateriilzed debt obligation ; ( iii ) a collateralized bond obligation ; ( iv ) a collateralized debt obligation of asset-backed securities ; ( v ) a collateralized debt obligation of collateralized debt obligations ; and ( vi ) a security that the Commission, by rule, determines to be an asset-backed security for purposes of this section ; and Per 15 USC 78c ( a ) ( 79 )

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 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2024 I submitted the completed form as well as the two pieces of documentation requested. The website stated to expect a reply in 3-5 days. I have heard nothing.

The website also tried to force me to obtain other services before it would let me do what I wanted to do.

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 2024-01-28 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: GA

Complaint narrative:
I am wanting to get these inquiries off my credit report because I DID NOT authorize these companies to run my credit. I have filled out an FTC report that is attached as well. 

Companies : XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX 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
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  JP Morgan Chase XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX JP Morgan Chase, Additionally FCRA as a federally protected consumer. Under modern privacy laws, I as a consumer have a legal right to opt out of any activities involving the collection, use, and disclosure of my personal information. In other words, I as a consumer can simply say " NO '' to all data processing activities, from marketing emails to website cookies to the sale of data. However all businesses non affiliates which are investors by law must honor these requests or risk facing significant penalties from the Federal Trade Commission or from the Federal Government. I am now Opting Out on all authorization that includes mailing and solicitation. I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802.

Under the Privacy Act of 1974 I do not have to provide you with my social security number or my personal information, I am federal protected by the United States Government Under Article 7 of the GDPR The consumers or data subjects who have previously given their lawful consent to a specific data processing activity can withdraw their consent whenever they wish. I can withdraw from any data offers at anytime.

I am also a XXXX  resident. In XXXX XXXX XXXX residents have also rights to Opt Out on all things including non affiliates mailing solicitations.

I should not receive any other piece of mail from any non affiliates or third parties.

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Foursight Holding LLC
State: PA

Complaint narrative:
this account appears on my report as charged off when it also reports I paid this off 100 % and has been closed. You can not say it was bad debt and I paid it off 100 %.

Company response to consumer: Closed with explanation