vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid 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: NY

Complaint narrative:
Here are the items to point out for the Capital One Account ending in XXXX : The account was closed, without proper notification to the consumer, although it was in good standing with a XXXX balance. 
A violation of the consumers right under CFPB Regulation B - Section 1002.9, which states, ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action. Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. 
The letter was mailed to the consumer in an envelope with a transparent window, which displays the company logo prominently. 
A violation of the consumers rights as noted in Regulation F of the CFPB, 1006.10 ( b ) ( 2 ) states ( 4 ) Not use any language or symbol on any envelope or in the contents of any communication by mail indicating that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;..

The communication with the consumer was at a time that was inconvenient, A violation as stated in 15 U.S. Code 1692c ( a ) ( 1 ) - Communication in connection with debt collection ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. 
The closed account status furnished by creditors to the credit bureaus for the above stated account negatively affected the consumers credit worthiness and reputation as reflected in all three credit reports causing credit applications to be denied. 
A violation as stated in 15 USC 1692d ( a ) ( 2 ) elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. I am writing to seek your guidance and intervention pertaining to a matter concerning my credit report. On XX/XX/2023 I submitted a Method of Verification request to the three major credit bureaus Equifaxunder the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ).

The aforementioned request was prompted by certain items on my credit report that I believe to be inaccurate. Under the FCRA, I have the right to dispute such items and, in turn, the bureaus are obligated to investigate the disputed information within a period of 30 days. Furthermore, if I question the outcome of this investigation, I am entitled to know how the bureaus verified the accuracy of the data.

As of today 's date, it has been 15 days since I made the Method of Verification request, yet I have received no response from any of the bureaus. This inaction is a direct violation of my rights under the FCRA. The FCRA states that if a bureau can not verify an item within the stipulated time frame, it must remove that item from the consumer 's credit report.

The absence of a response to my request implies that the bureaus have failed to verify the accuracy of the disputed items, and as such, they ought to be removed from my credit report immediately. I am kindly asking for your assistance to ensure my rights under the FCRA are upheld and that the credit bureaus adhere to their statutory responsibilities. 

Enclosed, please find copies of the Method of Verification, Original dispute, requests sent to the bureaus as well as the return receipts for your perusal. 

I look forward to your prompt response and appropriate action. I sincerely appreciate your attention to this matter. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I've been subject to unlawful use of a credit card in my name ( SSN ) on XX/XX/2023. I was denied credit in order to attain XXXX Pickup Truck on this date, yet there remains an inquiry on my credit report, meaning that there was money transferred, or made with the use of my SSN ( credit card number ) & I have not benefited from this action, as I was denied the extension of my credit. This is a clear violation of 12 CFR 1002 ( Regulation B ) & considered credit discrimination. I am a creditworthy consumer & I can not be denied an extension of my own credit, much less by a business who intends to use my information for profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, 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 implore you to take action and remove these fraudulent accounts from my credit report immediately.

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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causin

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
According to my credit report a loan under XXXX XXXX was originated on XX/XX/2020. The amount owed per Resurgent is XXXX, and per XXXX XXXX  I supposedly owe only {$16000.00}. Due to non payment the loan was sold several times, and currently under debt collection agency named Resurgent phone number XXXX XXXX. I contacted both agencies who both agencies who were unable to provide me with proof of ownership for the loan. I specifically asked Resurgent on XXXX if they can provide proof/paper with my signature on it and I was told by them that they DO NOT have that information. I was instructed to reach out the the original lender XXXX XXXX XXXX ) which I did on XXXX. XXXX XXXX informed me they could not supply me with any documentation of ownership and only provided me with account # XXXX. Both my email and social security number were compromised and feel that both parties ( Resurgent and XXXX XXXX ) violated my rights. They couldn't provide me with proof of contract or that they have a right to collect on the debt. I was denied a breakdown of the billing, original ownership of the contract, a signature signed on the contract, and payment history. Neither company could or would provide me with this information. Therefore, I would like to dispute this matter and would like this item removed from my credit due to these laws being broken. 


15 u.s.c 1681 ( 602A ) 15 u.s.c 1681 ( 604 ) 15 u.s.c 1681c ( a ) ( 5 ) 15 u.s C 1681 S2 ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
I am submitting this complaint for myself. 
I have attempted to resolve this with the company NCB Management to no avail. I have never done business with this company, nor the company the alleged debt is from. 

On XX/XX/XXXX, I received a letter from NCB Management Services indicating my personal information had been breached by an unauthorized party. 

Not only should NCB  not have my information, but they have also been negligent in protecting my private info. I demand this company cease and desist all communications regarding my information and also cease reporting this unverified information to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UPGRADE, INC.
State: NY

Complaint narrative:
I applied for a credit card with XXXX XXXX XXXX  through Upgrade , Inc. on XX/XX/2023. I got denied immediately. 

My credit score is XXXX. 

The adverse action letter ( attached ) is nonsensical. It lists 12 different reasons, all related to my credit report, and all of them either self-contradictory or factually incorrect. For instance : - One paragraph says " recent high usage of revolving accounts ''. Another says " Insufficient use of available credit ''. These can not both be true - One paragraph says " Insufficient history with personal finance accounts '' yet I have 7 years of history which is as far back as a credit report will go - One paragraph says " Low level of payments in relation to obligations '' yet I have been paying all loans in full for 7+ years The ECOA entitles us to accurate information on how an adverse underwriting decision was reached to ensure equitable treatment, and not just to a list of random keywords like the one I received.

I contacted Upgrade , Inc. today ( XX/XX/2023 ) by phone and spoke to XXXX. She said that they didn't have a " credit team '', just an algorithm, so were unable to explain what happened. She couldn't give me any internal channels to pursue this. This also seems like a violation of ECOA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent a letter on XX/XX/2023 to XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. According to the law 15 U.S Code 1681a - Definitions ; rules of construction. The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to? How did they complete my investigation? What would be a fair resolution to this issue? Please delete the accounts from my credit report. 

Here is my contact info for further information. 

XXXX XXXX XXXX Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
I am deeply distressed and alarmed by the current state of my credit record and my overall situation. This ordeal is not only incredibly embarrassing but also clearly a result of either your actions or the corporation 's negligence in disseminating inaccurate information.

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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, 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:
I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I kindly request that you delete this account as it does not belong to me. I am extremely upset that it is appearing on my credit report, and I am deeply disappointed that I have been subjected to this situation. I urgently demand that the business promptly removes this account from my credit report as it does not belong to me in any way.

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 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I used Bank of America ( BoA ) for an online balance transfer from a different card, we wanted better 0 % rates. 2 weeks went by without any confirmation of a transfer. On the 3rd week I checked both the BoA account and the other account. Neither showed any activity beyond what I had paid. At this point I also had not received any mail from BoA either. So I went back online and attempted a 2nd time to make a balance transfer, but this time through a check in the mail. I did receive the check and the literature that is normally associated with these activities from BoA. I used the check to create a balance transfer and it was successful. 

A few days later a second online transfer was made and I did receive the same information I had received from the check transfer a few days earlier. I called BoA and inquired about the details of the online transfer. After much dialogue, BoA stated that they made a mistake and that I simply needed to ask the credit card I was transferring out of for a refund, apply it to the BoA account ; and when that was complete I could call BoA would remove the 2nd transfer fee because it was their error. It was stated they would have notes in the system. 

All this was performed and when I called BoA they stated they would not remove the 2nd fee. To insult to financial injury the original BoA person who was adding the notes into the system gave me a direct number to the BoA Balance Transfer Specialist Department that actually was for the XXXX XXXX XXXX XXXX, or airport lounge.

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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have shown verified documentation to update my personal file with Experian I have requested several times to remove address ( XXXX XXXX XXXX ) from My personal file, i I have provide my valid driver license, and all documentation as requested to remove this address, I dont live here this is not my address. 

Experian is completely violation by not removing this address as requested, I have provide information showing this is not my address, I provide mail documentation such as insurance paperwork showing this is not my address as well. 

Im demanding Experian to remove this address under my FCRA rights 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with my written instructions. Which I have stated to remove this address thats not mine, beginning with XXXX XXXX XXXX, Experian has chosen to ignore my demand when I have provide information showing I dont live at that address Im demanding for this address to be removed This is violation under 15 U.S.C . 1681 b 15 U.S.C. 1681b ( a ) ( 2 ) 15 U.S.C. 1681n Also Experian is in violation of 15 U.S.C 1681g how are Experian verifying this account im request for information to be shown to me on where the information verified is being verified ( within 4 days of written request or removed from my credit report immediately. Also.by not updating my information correctly and fairly. They have associated me with a 2 fraudulent account by name of XXXX XXXX XXXX on my credit report which I have requested several times to remove under 15 U.S.C. 1681 S-2 I have provide a police report, and provide vaild driver license to prove my identity and place of residence for over 15 years. 

Im demanding for XXXX XXXX XXXX account # XXXX to Removed from my credit report immediately they have been reporting on my credit not only as an fraudulent account, they are in violation of 15 U.S.C. 1681n bb Also have not provide any information as request pasting the 30 day expiration requirements/ in also in violation of 15 U.S.C. 1679i due to not providing information this account is past the statue of limitations as well XXXX XXXX  account # demanding to remove immediately 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with my written instructions/ also under 15 U.S.C. 1681 S-2 which documentation has been provide several times

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