vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 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: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: FC HoldCo LLC
State: FL

Complaint narrative:
i never requested to get my credit inquiry for inquiries mentioned below : A FEW OF THEM ARE 6 TIMES OR REPEATED AFTER 5-6 MONTHS. 

PLEASE REMOVE THIS - THIS WAS NEVER APPROVED OF ME TO GET INQUIRED. 

XXXX XXXX XXXX XXXX FLAGSHIP CREDIT ACCEPTAN 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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:
This company make a big mistake with my credit report they said I have missed payments! But, its no true! Only thing I did was delay payment for a couple days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Transunion has not given me access to my credit report online ; they sent me a letter saying they do not understand what I am requesting. I AM REQUESTING ONLINE ACCESS TO MY CREDIT REPORT. I KEEP GETTING THE SAME MESSAGE OF We are having technical difficulties. We appreciate your patience while we resolve this issue. THIS HAS BEEN THE SAME ISSUE FOR THE LAST COUPLE OF MONTHS. I KEEP CALLING A REP ASKING WHY, AND THEY DO NOT HAVE AN ANSWER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing another complaint because the cfpb closes a case when there has been no resolution the company sent a letter saying they can cancel or terminate my card without any reason per the agreement. I have also read the same agreement and I have read the consumer protection laws and they clearly stated it is discriminatory to make major changes to ones credit card without giving 45 day written notice which they still have not. And they still have my acct as open they even filed with the three credit bureau as open So them saying they can cancel or close anytime would be fine. But if they choose to keep it open yet restricted. That is biased if they have it open I have a right to use it. I am legally right in every aspect and will do everything in my power to not let them get away with this these are the type of things we as consumers should be protected from regardless how big the company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've been trying to get a car loan for about a year now. Not sure what the deal is but for over a year now I've been fighting all three credit reporting agencies tooth and nails to remove inacuracies after inaccuracies. I have filed complaints right here with this agency against all three credit reporting agencies in hopes that it would clean everything up. Denied, denied, denied, denied, denied, that's all I am getting! WHY I AM NOT OUT TRYING TO STEAL A CAR, I'M TRYING TO PURCHASE A CAR! Today I get an email from Transunion credit reporting agency and in the email on the front page it advertises a garaunteed car loan, DID I MENTION THAT I NEED A CAR LOAN REALLY BAD? So again, and there are screen shots attached to this complaint! So Transunion sends me a gauranteed car loan invite so I fill out the information and when I'm finished I get landed on a page to buy insurance. No car or car loan as garaunteed. Is there not laws against this? Are there different sets of rules that I do not know about? I just lived through covid like everyone else and now inflation has grappled the economy and I'm here with everyone else again, so why am I getting COMPLETELY hammered with lies and misinformation from not one but all three credit reporting agencies? Why am I being wrongly reported on all three credit reporting agencies? Why are the same credit reporting agencies sending me garaunteed car loan applications to my email then not following through with the garaunteed loan that it sends 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 explanation
Consumer complaint received 2023-11-22 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: FL

Complaint narrative:
XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXXInquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record XXXX XXXX XXXX XXXX Inquired on XXXX record unti XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until 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 non-monetary relief
Consumer complaint received 2023-11-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
In recent years I have had loans with Toyota and so far I have not received any refund for the extra charges made during the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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:
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 these accounts that contain late payments, incorrect information has to be reviewed and eliminated. This is incorrectly reported under my name and affects me too much. 


Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/1987 - Incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: NY

Complaint narrative:
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 these accounts that contain late payments, incorrect information has to be reviewed and eliminated. This is incorrectly reported under my name and affects me too much. 


Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/1987 Incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I am showing in my consumer report/credit report with XXXX, XXXX and XXXX on the day of XX/XX/2023, a hard inquiry with NAVY FEDERAL CREDIT UNION was posted to my credit report. Referring to 15 U.S.C 1681 section 602 A. States I have the right to privacy. Also refer to 15 U.S.C 1681 Section 604 A Section 2 : I did not give written or verbal consent to publish to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: J J Marshall & Associates, Inc
State: NJ

Complaint narrative:
Previous report was closed out when debt collector responded, Only CFPB did not even take the time to verify their information. The bond number provided by JJ Marshalls is not legally binding to them in the state of New Jersey, no did their office provide a new jersey business license. AS per NJ State Revune department JJ Marshall has no license or bond in the state. The bond number they provided is not registered to JJ Marshall!

This is how JJ Marshal repsonded and CFPB just closed the case not even verifying the information. 
We are a third party debt collector for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX who assigned us an account for XXXX XXXX on XXXX with a balance owed of {$3300.00}. We contacted XXXX XXXX on XXXX and she refused to talk to us until we sent her proof we were licensed in New Jersey. Collection agencies are not required to be Licensed, but are required to be bonded. Our bond number is XXXX. Anyone that wants to verify this can write NJ Division of Revenue Collection Agency Bond Unit XXXX XXXX XXXX XXXX, NJ XXXX. They Must include a self addressed return envelope with their request. I am also sending XXXX XXXX the supporting documentation regarding this account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: AL

Complaint narrative:
YOUR COMPLAINT Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had collections and inquires on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within XXXX business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Notice to Principal is Notice to Agent Notice to Agent is Notice to Principal RE : Adverse Action Dear XXXX I, the consumer and natural person was denied credit by Chase when I applied for a credit card. 
Adverse action against a consumer is AGAINST THE LAW according to the ECOA and TILA which is codified in ( 15 U.S.C 1691c ) and is pursuant to civil liability under ( 15 U.S.C 1692k ).

You are subject to criminally liability for violating ( 15 USC 1691 ) as I have proof that I was discriminated against by XXXX due to the response I received. XXXX is in violation of ( 15 U.S. Code 1642 ), ( 15 U.S.C 1681m ) and ( 12 CFR 1002 ) because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX. If XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make XXXX  criminally and civilly liable for all actual damages pursuant to ( XXXX XXXX XXXX ) and ( XXXX XXXX XXXX ). I will also follow up with an invoice for said violations ( { XXXX } per violation ). Thank You, Last Name : First -Middle / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I received notification from my credit card that there was a change in my credit and learned that Credence Resource Management had submitted a negative credit report. I have not spoken with anyone from this company, and when I looked at the credit report, it was the SAME negative credit entry from XX/XX/2023, therefore its a duplicate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: WA

Complaint narrative:
I came home on XX/XX/XXXX to find the attached letter in the mail. It stated that a check issued by XXXX XXXX on XX/XX/XXXX in the amount of {$660.00} was never cashed. I had refinanced my home and this appears to be excess funds in my escrow account. 
I received my XXXX for my mortgage interest that year so I am not sure why we would not have received the check. 
My husband and I followed the instructions in the letter, signed and completed the information requested and I faxed the letter back on XX/XX/XXXX. The letter states that if the letter was not received by XX/XX/XXXX, they would report and remit the property to the State of Washington. ( This has not been done, so this leads me to believe they have the response from me ) They also stated that it could take 6-8 weeks for us to receive the check and could delay further if you contacted them to find out the status. I faxed the second letter along with the XXXX letter attached requesting the status since it has been over 16 weeks since the original response was faxed to them. 
As of today XX/XX/XXXX, I have not received a response to any of my communications and the property is not listed on the Washington State Unclaimed Property website.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: GA

Complaint narrative:
I am writing to express my deep concern and frustration regarding the ongoing and flagrant violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, a matter that has severely impacted my ability to secure a home loan. Despite my diligent efforts to address and rectify inaccuracies on my credit report, XXXX 's repeated failures to comply with the law have left me unable to proceed with the purchase of a house. 

I am also writing to bring to your attention a persistent and egregious violation of the Fair Credit Reporting Act ( FCRA ) by XXXX, one of the major credit reporting agencies. Despite my repeated attempts to rectify inaccuracies on my credit report, XXXX has failed to comply with the law, specifically outlined in 15 USC 1681. 

I have diligently followed the proper procedures and submitted dispute requests to XXXX on multiple occasions, providing evidence to support the removal of erroneous items from my credit report. However, despite my efforts, XXXX has not only neglected to correct these inaccuracies but has also failed to adhere to the legal framework established by the FCRA. 

According to 15 USC 1681, consumers have the right to accurate and fair credit reporting. The law explicitly states that there should be no damages to a consumer 's credit report that are not substantiated by valid, verifiable information. The persistent presence of inaccurate information on my credit report not only constitutes a blatant violation of my rights but also amounts to defamation of my character, as my creditworthiness is unfairly tarnished. 

I demand immediate and thorough action to rectify this situation. The only acceptable solution is the prompt removal of all collections and inaccuracies from my credit report, in accordance with the law. XXXX must comply with the FCRA and fulfill its obligation to provide consumers with accurate and reliable credit reporting. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter promptly and takes appropriate enforcement action against XXXX for its repeated violations of the FCRA. Additionally, I ask that you keep me informed of the progress and resolution of this complaint.

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