vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am trying to remove my authorization from JPMorgan credit card. I called JPMorgan Chase credit card member services to ask for the removal of my information and authorization from this account but the said to me, I couldn't remove myself from the account. The member services representative said I had to get the card holder to call or get on the app to release my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: OH

Complaint narrative:
Experian These two XXXX XXXX are illegal and unauthorized. I have my credit flie frozen so no one can attempt to gain credit in my name. My information has already been on dark web through monitoring services that I use now. I offered to pay XXXX the XXXX $ which is SEVERELY when I say SEVERELY HURTING MY SCORE! it keeps updating and reflecting on my score and dropping and fluctuating! PLEASE REMOVE THIS LAST TWO ILLEGAL CHARGE OFFS MY EXPERIAN REPORT! 

Please remove these illegal items off my credit report. I have contacted these agencies since the beginning of this year. I have been disputing since the beginning of this year in XXXX. I will not stop. These items are illegal please REMOVE this off my CREDIT REPORT!! 

XXXXXXXX XXXX XXXX  {$13.00} **UPDATED** XX/XX/202XXXX XXXX XXXX XXXX {$57.00} **UPDATED** XX/XX/2024 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The account below XXXX XXXX was removed from my XXXX, and XXXX, report. It's a fraudulent account. Please remove this account off my Experian report. I directly contacted XXXX and removal is in process. Please remove this off my report. 

XXXX XXXX {$150.00} **UPDATED XX/XX/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 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have already made a complaint and the company responded with how my payments were applied to my account. The matter was closed. The whole point is how they say my payments were applied and it does not match up to my statements and nobody looked at my uploaded statements before closing the matter. I provided more detailed information with my response to COMPLAINT ID XXXX SUBMITTED ON XX/XX/year>

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 2024-05-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
violation of my right to privacy and unauthorized use of my credit 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 2024-05-22 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: TX

Complaint narrative:
According to the FCRA whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom said report relates. These accounts are not complete and accurate. XXXX XXXX # XXXX, and XXXX XXXX XXXX  # XXXX. According to 15 USC 1681s-2, A person shall not furnish information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the info is inaccurate. And according to 12 CFR 1006.34 ( b ) ( 5 ) the collection agency has not provided validated information but place a collection on my consumer 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 non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: LA

Complaint narrative:
I got a loan and the interest rates 159.25 %

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: NE

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

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 2024-05-22 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: NY

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 non-monetary relief
Consumer complaint received 2024-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Georgia Laws Dear CAPITAL ONE, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws as they apply in the state of Georgia. 

It has unequivocally come to my attention that ( Company Name ) has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, Georgia state law under the Fair Business Practices Act ( FBPA ) and the Georgia Identity Theft Act emphasizes the necessity of consumer consent for credit reporting and highlights the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for ( Company Name ) to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that ( Company Name ) immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Sectio
n 1681b ( a ) ( 2 ) of the FCRA and the relevant provisions of Georgia law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Georgia state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that ( Company Name ) will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This company has engaged in abusive unfair and deceptive practice of the fair debt collection practice act. The furnished an account that we have not agreed upon or did i have knowledge of. I have never signed an agreement with them. A legal contract insist of two parties and I did not agree or praticipate. Even more so they didnt follow the proper 5 step validation procedure which makes it unfair practice according to the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY

Complaint narrative:
I made numerous attempts on numerous occacions to discharge my debt of my XXXX XXXX XXXX sent documents as well my security to the indentured trustee of my security which is bank of New York Mellon. I havent gotten a notice of dishonor or any response from the company i also sent those documents to XXXX XXXX same thing no response. Im well aware that the indenture trustee has duties and responsibilities in accordance to 15 usc XXXX and the trustee indenture Act 1939 and the securities Act of 1934. failure to adhere to these administrative duties results in disciplinary action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-05-22 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: GA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Transunion permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 

Inquires to be Removed : 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Newport Intermediate Inc.
State: CA

Complaint narrative:
XXXXXXXX XXXX  XXXX, instead of issuing refund checks, use a company called XXXX XXXXXXXX XXXX to send debit cards to their former customers. 
XXXX XXXXXXXX XXXX is a scam. Customer service is unreachable, the cards are impossible to activate based on the phone numbers or QR code provided with the card. 
I was only able to activate mine by finding a XXXX XXXXt with a customer service number not listed anywhere else. 
Meanwhile, once they send it outXXXX XXXX XXXXXXXX XXXX drains the accounts to the tune of {$3.00} per month. 
This is clearly a scam based on attrition, counting on customers to give up after frustrating attempts at trying to use the card, and betting that customers will abandon their refunds that are under {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The modifications to credit reports in XXXX of XXXX were a direct result of a lawsuit settlement against the XXXX major credit bureaus Equifax, XXXX, and XXXX. This settlement resulted in the creation of the XXXX XXXX XXXX  XXXX ( XXXX ). 

XXXX mandated that the XXXX credit bureaus could only report public records, i.e., bankruptcies, civil judgments, and tax liens, if sufficient PII ( personally identifiable information ) existed on the record and if the records were updated at least every 90 days. PII includes name, date of birth, social security number, and address. 

XXXX XXXX XXXX is reporting a judgment from a landlord obtained in XXXX on our credit reports, and the credit bureaus are all reporting this judgment. While it does not say " judgment '' on the credit report, XXXX XXXX XXXX was the attorney in charge of not only securing the judgment but also the collection agency. 

Despite collecting consumer debt and reporting to consumer credit portfolios, they are not licensed to collect debts in the state of California. 

The civil judgment in question is a public record that only has XXXX of the XXXX PII required to report on our credit bureau report, as such it must removed according to the XXXX settlement. 

Furthermore, the entry is incorrect because it indicates the original creditor is XXXX XXXX XXXX. This is incorrect, as the person we rented the house from was an owner, not a property management company and the property management company has not right to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The modifications to credit reports in XXXX of XXXX were a direct result of a lawsuit settlement against the XXXX major credit bureaus XXXX, Experian, and XXXX. This settlement resulted in the creation of the XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ). 

XXXX mandated that the XXXX credit bureaus could only report public records, i.e., bankruptcies, civil judgments, and tax liens, if sufficient PII ( personally identifiable information ) existed on the record and if the records were updated at least every 90 days. PII includes name, date of birth, social security number, and address. 

XXXX XXXX XXXX is reporting a judgment from a landlord obtained in XXXX on our credit reports, and the credit bureaus are all reporting this judgment. While it does not say " judgment '' on the credit report, XXXX XXXX XXXX was the attorney in charge of not only securing the judgment but also the collection agency. 

Despite collecting consumer debt and reporting to consumer credit portfolios, they are not licensed to collect debts in the state of California. 

The civil judgment in question is a public record that only has XXXX of the XXXX PII required to report on our credit bureau report, as such it must removed according to the XXXX settlement. 

Furthermore, the entry is incorrect because it indicates the original creditor is XXXX XXXX XXXX. This is incorrect, as the person we rented the house from was an owner, not a property management company and the property management company has not right to collect the debt.

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 2024-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Credit collection service, XXXX XXXX  XXXX XXXX XXXX XXXX, refuses to remove a collection that was paid 2 years ago. I have contacted the company and can hardly understand the person I was speaking to, requested a supervisor who was extremely rude and just refused to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-05-22 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: WA

Complaint narrative:
Experian has not updated my archive personal loans account. The company said they would remove the late payment and experian has not updated that.

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 2024-05-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway attached are my id to verify identity and FTC police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: 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 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation