vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX  XXXX Act Name : XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter to all three credit bureaus notifying them to remove personal information that I do not want on my credit report and correcting incorrect information. As of today, Experian has not completed that request. According to the Fair Credit Reporting Act 15 USC 1681, I have a right to privacy. According to 15 USC 6802, no financial institution is supposed to share my information with 3rd parties without my express consent. Their non-compliance is a clear violation of my federally protected consumer rights.

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 2022-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2022 I went to the ATM of Chase Bank located at XXXX XXXX XXXX XXXX. I tried to withdraw money from one of my accounts. I went there at XXXXXXXX XXXX so I could pay my utility bill early that morning. I had just received {$2000.00} from my XXXX XXXX XXXX XXXX. When I went to unlock my card it showed that {$1000.00} had been removed. When I put my card into the ATM it showed that it was not working. I waited until the bank opened and went in to speak to a banker. On my phone it showed a withdrawal dated XX/XX/2022 for {$1000.00} had been withdrawn. It showed my signature but I had not taken out any money. The banker checked my card and there was no activity on either XX/XX/2022 or XX/XX/2022. They told me that my ID was my passport so I showed them my passport. They actually asked me to fax it to them four times. I was then informed that they would not honor my claim.My bank statement shows I did not withdraw that money. I'm not really sure how it was done but I think I know who did it and they were not authorized to do it. I don't know how it was done and I had nothing to do with it at all. My statement shows I took nothing out at all. I feel the fraud department overlooked many things that showed I didn't do it. There are so many questions that I have and I have asked the bank to answer them for me and I have not received any answers or evidence pertaining to this. I explained it was not me and I had nothing to do with it. The fraud department then told me the decision was final. I feel they ignored a lot of evidence.Additionally why would they give me {$1000.00} when I didn't even have it. I think they would never give me any money if I did not have it in the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Amazon syncB bank is on my credit report as a hard inquiry. I never applied for anything with Amazon. I never tried to get a credit card or see my credit nothing. This is wrong or fraud. I need help please thank you. As of XX/XX/ it was put on there.

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 2022-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: 1ST CHOICE LOANS, LLC.
State: TN

Complaint narrative:
On XXXX  the manager of 1st Choice Loans in XXXX XXXX, XXXX XXXX, used his personal cell phone to contact my place of employment on a business related matter. When i answered the phone and identified my company and myself he then hung up on me. I called the office number to 1st Choice Loans. XXXX XXXX answered the phone announcing himself. I told him who I was and asked if I could assist him with anything only for him to rudely disconnect the call without saying anything in reply. I have previously advised XXXX XXXX and his assistant to not contact my employer anymore... this is the 2nd attempted contact from XXXX XXXX since being instructed to not call my employer. This is not the first time he has used his personal cell phone to contact me to conduct business related to 1st choice loans. His actions are very rude and unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
According to 15 U.S.C 602 a I have the right to privacy.

15. U.S.C section 604 a section 2 also states a consumer reporting agency can not furnish a account without my written consent and According to the Fair Credit Act anything furnished on my account must be XXXX XXXX accurate.. 
The information on my credit account does not match on all credit companies.. and the balance that was owed was less that what is shown so... 

I would like for the companys contract to be furnished with * my signature * Date opened *interest rate. *credit insurance I also want the contract showing this company has a right to collect this debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: EQUIFAX, INC.
State: PA

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 confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX  XXXX Act Name : XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: Experian Information Solutions Inc.
State: PA

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 confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX, XXXX Act Name : XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 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 2022-11-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Opened XXXX XXXX has violated my rights. 

15 US.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven veers 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 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2022-11-29 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: DC

Complaint narrative:
Im not happy with the way your company EXPERAIN is handling my disputes. My next step in this matter is to file complaints with the Attorney Generals Office in your state and my state if this matter is not fixed. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are problematic and the need to be reinvestigated. 
Creditor : Account : Reason : Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP.

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 2022-11-29 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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
This complaint is about a repossession that Ally Financial reported on my credit record. I want to know why it is there. I too would like to see it eliminated. The automobile was not repossessed. The vehicle was involved in an accident, and I am in possession of all supporting evidence. The automobile has been completely paid off. I have proof of a paid-off automobile and no missed payments in my credit history. I have filed a dispute with the three credit reporting agencies and Ally Financial. A class action lawsuit asserted that the notices Ally Financial provided to borrowers before and after the repossession of their property did not comply with each state 's Uniform Commercial Code form and content standards. Ally Financial Inc. v. Haskins, Case No. XXXX in the XXXX Judicial Circuit Court for XXXX XXXX XXXX Missouri XXXX was a class action case.

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 2022-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Paradigm Assets, LLC
State: NY

Complaint narrative:
The collection agency keeps referring to 15 U.S.C. Section 1692g of the Fair Debt Collection Practice Act, but according to 15 U.S.C. Section 1692e of the Fair Debt Collection Practice Act referencing false representation. Subsections 5, 8, and 14 reference 1 ) a threat to pursue a debt collection that you do not intend to, and can not collect, 2 ) continuing to report disputed information that you have not provided any clarification of your claim of a wholly owned subsidiary, and XXXX ) using a name other than the debt collector. I have repeatedly asked for clarification of all these different names and have not received anything except a letter from the original debtor that does not list this collector as owning the debt. JHPDE is not listed anywhere as owner of this debt. I again ask for proof of a wholly owned subsidiary. 

XXXX didn't name JHPDE Financial 1, LLC anywhere in any correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and result from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA Section 605b. In order to help prevent false information from being submitted to my report, I have included a few papers. 
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

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 2022-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I had a navyfederal credit card and I been with them over 4 years! And I all ways paid off my account on time every month and Navy federal refused to update my account with correct information, my credit score are been effective due to Navy Federal filed to do they Job.. I also applied for credit increase over 4 times and they keep denied me I feel like they are discrimination against me ever time.. and something need to be done about this.. there are people I know have a relationship with Navy Federal for a long time and don't have the problem I have.. I need 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 2022-11-29 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: AR

Complaint narrative:
I recently sent a dispute out to Experian on XXXX for an account that doesn't belong to me. I have yet to receive any correspondence from Experian and it has been over 30 days. Under the Fair Credit Reporting Act, the account XXXX XXXX XXXXXXXX must be deleted since Experian has failed to respond to the dispute.

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 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Equifax again removed almost all of my accounts from my credit report. This is the third complaint regarding the same issue. Equifax on my first complaint put back all my accounts in the credit report, they removed most of my credit information again. Then for a third time they have done the same thing removing credit information from my report and reducing my credit score without any reason.I have tried to contact them by phone but is almost impossible to get to someone to answer me of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
RE : XXXXXXXX XXXX XXXXXXXX account opened in XX/XX/XXXX The account status is reporting as " In Repossession ''. In both XX/XX/XXXX and XX/XX/XXXX I have made multiple written requests for a copy of the FINANCE CONTRACT AND PAYMENT HISTORY THAT PROVES THIS TO BE A REPOSESSION and the company has failed to provide such evidence for more than 60 days now. Both XXXX and XXXX have deleted the account as requested and I demand to know what evidence Experian has that allows them to lawfully report this account as a repossession. If Experian or XXXXXXXX XXXX XXXXXXXX can not provide the evidence, then they must delete the account in it's entirety.

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