vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately. I have contacted the companies associated with these accounts, and they have confirmed that the late payments were errors and have agreed to update my account and remove the late payments. I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. 

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: SC

Complaint narrative:
Here are the discrepancies on this credit account! 

XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account Type : XXXX XXXX XXXX XXXX - Detail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : XXXX XXXX XXXX XXXX  : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX XXXX : {$62.00} {$0.00} XXXX XXXX  : {$750.00} {$750.00} Past Due : {$0.00} {$0.00} Payment Status : Late 60 Days Late 60 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - Consumer disputes- reinvestigation in progress Amount in XXXX column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Here are the discrepancies observed between the XXXX and XXXX credit account information for KIKOFF LENDING LLC : Account Status : XXXX lists the account as " XXXX '' XXXX lists it as " XXXX. '' High Credit : XXXX reports a high credit of {$62.00}. 
XXXX reports a high credit of {$0.00}. 
Last Reported : XXXX last reported on XX/XX/XXXX. 
XXXX last reported on XX/XX/XXXX. 
Date Last Active : XXXX indicates the date last active as XX/XX/XXXX. 
XXXX indicates it as XX/XX/XXXX. 
Date of Last Payment : XXXX indicates the date of last payment as XX/XX/XXXX. 
XXXX indicates it as XX/XX/XXXX. 
XXXX XXXX XXXX : XXXX lists payments as being XXXX days late in the most recent XXXX months, a XXXX late payment previously, followed by a series of " OK '' ( on-time payments ). 
XXXX reports all payments as " OK '' ( on-time ), indicating no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear XXXX, I am writing to you to formally notify Equifax, XXXX the Consumer Financial Protection Bureau XXXX CFPB ), of my status as a victim of XXXX XXXX, as per Regulation V, specifically 12 CFR 1022.142 ( b ) ( 6 ). 

Enclosed, please find copies of documents that were sent via XXXX on XX/XX/2024, including : *XXXX XXXX XXXX XXXX  *XXXX XXXX XXXX  *Government Issued ID, as required by 12 CFR 1022.142 ( b ) ( 1 ) These documents serve as evidence of my situation as a XXXX XXXX XXXX XXXX and my request for assistance in accordance with Regulation V. 

I am requesting that Equifax takes immediate action to block the accounts referenced in the attached Self Attestation Affidavit from my consumer report, as mandated by Regulation V, specifically 12 CFR 1022.142 ( b ) ( 6 ). Despite my previous correspondence and submission of required documentation, Equifax has not yet complied with Regulation V. 

I urge Equifax to promptly address this matter and take the necessary steps to ensure compliance with Regulation V in order to protect my rights and privacy as a XXXX XXXX XXXX XXXX 

Please acknowledge receipt of this notice and provide confirmation of the actions taken to comply with my request. Should you require any further information or clarification, please do not hesitate to contact me at the provided contact information. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I pulled my credit report and requested Experian to remove all inaccuracies from my credit report and they took off my address XXXX XXXXXXXX XXXX XXXXXXXX PA XXXX. I have written them on 3 occasions to correct this matter and they have done nothing. This has become an hardship I have been denied credit because you can't pull up my Experian credit report because there is no address attached. Can someone please help me rectify this matter.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
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 : Capital One acct number XXXX, XXXX Acct number XXXX, and XXXX acct 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: AR

Complaint narrative:
Reporting information on a consumer 's credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them the place such information on my consumer report. Because my privacy rights have been violated, am demanding the company block and remove the accounts from my consumer report not later than 4 business days after such information that I have provided. Inquiries : 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 2024-05-02 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: CITIBANK, N.A.
State: VA

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 : XXXX  XXXX acct number XXXX, XXXX Acct number XXXX, and Citibank acct 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I previously sent a letter requesting that you reinvestigate the disputed account on my credit report and update it accordingly during the investigation period. However, as of today 's date, I have not received a response to my request. 
XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2024-05-02 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: CL Holdings LLC
State: AL

Complaint narrative:
I have two accounts thats being reported from Jefferson Capital. One from XXXX XXXX and the other one from XXXX XXXX. I disputed both account through all three credit bureaus which they verified the accounts as accurate. I sent two round of debt validation letters and there was no response or feedback provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I thought the problem was solved as I had already filed a complaint with you guys. But yet again the call several times a day from different numbers. I don't know the person they are looking for. They a e calling for a XXXX or XXXX XXXX. The number doesn't belong to him. Or myself XXXX XXXX and I have already asked them to cease all communication as I am filing bankruptcy. I just want the calls to stop. This is now harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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:
I see multiple inquires that I did not do on my credit report. I contacted Equifax, XXXX and XXXX to remove them. They all advised I should file a report with the CFPB in order to get these issues fixed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
I currently have an open HELOC through XXXX. On XX/XX/year>, I submitted a request for a withdrawal of funds from the HELOC and the website stated that it would take 2-3 business days to receive the funds in my account. On XX/XX/year>, I contacted customer support ( through email only as they do not have a phone number ) as I did not receive funds. I received a reply back ( the same day ) that the designated team was looking into the delay. On XX/XX/year>, I contacted them again as the funds were not in my account and I received a response that it was being investigated with no further explanation. On XX/XX/year>, I did not receive the funds or an email response so I reached out to the company via XXXX XXXX. I received a reply back stating I would receive the funds on XX/XX/year>. On XX/XX/year> I sent another follow up email and a XXXX XXXX message as I did not hear back regarding the delay and funds were still not received. On XX/XX/year>, funds were received but I did not receive an explanation for the delay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I started an account with Coinbase. Upon doing so I made a small deposit via my checking account to purchase crypto currency. Shortly after the purchase my account was restricted and I was unable To retain the funds deposited which has successfully cleared and been deposited. The company stated I had multiple account which is inaccurate I have never established a relationship prior. They give me scripted statements and no real answers resolution steps or time frame to resolve. 
My email associated with account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I owed just XXXX on my Chase XXXX XXXX XXXX XXXXXXXX XXXX card. I paid the balance in full on the due date. This left in balance in the account at XXXX. Several days later they issued a new statement saying that I owed XXXX in interest on a balance of XXXX balance due

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: PA

Complaint narrative:
Per the Federal Credit Reporting Act as a federal protected consumer. Pursuant 15 USC 6802 I XXXX XXXX am OPTING OUT of all and any authorization I may have given to XXXX XXXX XXXX written, unwritten, verbal, nonverbal to report my non-public personal information. XXXX XXXX XXXX is in violation of the Privacy Act of 1974 as well as 12 cfr 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX that my non-public personal information was going to be shared to third party affiliated party 's such as XXXX, XXXX, TransUnion and I was never given the chance to opt out. Also 15 USC 6508 also states I have the right to opt out on any thing reported to my credit report and I'm supposed to receive a opt out notice every thirty days which XXXX XXXX XXXX has not given me. I em hereby exercising my right under 16 cfr part 313.7. According to 15 USC 6802B I'm supposed to receive three different disclosures before my non-public personal information was shared without any notice. XXXX XXXX XXXX also in clear violation of selling debt to third party after the debt had already been tendered in accordance to ucc 3-603 I had no contract with the third party they sold the debt to. Also their in clear violation of 15 USC 45 unfair methods of competition for the failure to update the record after receiving tender of full amount of the debt in accordance with Electronic Funds Transfer Act as well as their acts of Securities fraud and tax evasion which I intend to report via form IRS form 3949A. To conclude TransUnion, and XXXX are in violation of 15 USC 1681 section 604a section 2 it states a credit reporting agency can not report an account without written consent. I did not give TransUnion or XXXX written consent to report XXXX XXXX XXXX account and supporting sharing my non-public personal information such as transaction history and balance which they are in violation which I did not give permission or written consent to report non-public personal information and did not give written consent to even report XXXX XXXX XXXX on my 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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Per the Federal Credit Reporting Act as a federal protected consumer. Pursuant 15 USC 6802 I XXXX XXXX am OPTING OUT of all and any authorization I may have given to XXXX XXXX XXXX written, unwritten, verbal, nonverbal to report my non-public personal information. XXXX XXXX XXXX is in violation of the Privacy Act of 1974 as well as 12 cfr 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX that my non-public personal information was going to be shared to third party affiliated party 's such as XXXX, Equifax, XXXX and I was never given the chance to opt out. Also 15 USC 6508 also states I have the right to opt out on any thing reported to my credit report and I'm supposed to receive a opt out notice every thirty days which XXXX XXXX XXXX has not given me. I em hereby exercising my right under 16 cfr part 313.7. According to 15 USC 6802B I'm supposed to receive three different disclosures before my non-public personal information was shared without any notice. XXXX XXXX XXXX also in clear violation of selling debt to third party after the debt had already been tendered in accordance to ucc 3-603 I had no contract with the third party they sold the debt to. Also their in clear violation of 15 USC 45 unfair methods of competition for the failure to update the record after receiving tender of full amount of the debt in accordance with Electronic Funds Transfer Act as well as their acts of Securities fraud and tax evasion which I intend to report via form IRS form 3949A. To conclude XXXX, and Equifax are in violation of 15 USC 1681 section 604a section 2 it states a credit reporting agency can not report an account without written consent. I did not give XXXX or Equifax written consent to report XXXX XXXX XXXX account and supporting sharing my non-public personal information such as transaction history and balance which they are in violation which I did not give permission or written consent to report non-public personal information and did not give written consent to even report XXXX XXXX XXXX on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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:
On XX/XX/2024, I sent Transunion a dispute about incorrect personal information that was reported on my consumer report. I wanted the company to investigate and remove the incorrect information from the consumer report and send an updated corrected consumer report to the address that was listed. I have not gotten a response from Transunion and the consumer report has not been updated as of XX/XX/2024.

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 2024-05-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Stellantis Financial Services US Corp.
State: CA

Complaint narrative:
On or before XX/XX/year> i mailed stellantis financial services documentation requesting clarification on as to the billing statements they were sending me, I sent an affidavit of truth and a billing error according to federal laws. I spoke with XXXX of there employees who received my documentation by the name of XXXX XXXX she ignored the facts about the documents and went on about collecting payment but never tried to address the documentation that I sent over to the company regarding clarification about the billing error or affidavit of truth. I explained to her before I can continue making a payment on this account id like stellantis financial services to address the affidavit of truth and the billing error. No one reached out to me about the documentation I sent over to the company, I've received numerous calls and email regarding payment from different employees and also and acceleration of negative information being reported on my credit report and recently they have repossessed the car also. According to federal law 12 CFR 1026.13 ( 3 ). A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.

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