vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Yesterday, XX/XX/XXXX, I tried to apply for a credit card from Chase Bank, because when I opened the XXXX  portal, an advertisement appeared indicating that I was Approved to obtain a credit card, which would undoubtedly increase my credit. But I was denied, resulting in an impact on my credit score. I need help to have this removed from my credit report, because I have worked hard to improve my credit to be able to purchase a home, and that is why I fell for what I think is this deceptive offer to obtain a new credit card from Chase Bank that would increase my credit score. I am coming to you, because through the XXXX or XXXX portal it does not allow me to make the dispute online and I need this to be resolved as soon as possible, since I am looking to obtain my house. Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My name is XXXX XXXX XXXX XX/XX/year> in XXXX XXXX. My address is XXXX XXXX XXXX XXXX pa I live for the past 3 years recently move to XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX Experian, XXXX, XXXX are been putting Collections on my name I reported them serval time thats the wrong birth date but they keep ignoring my letter no response to non of them has responded they put a wrong address as well that I do not live not recognized. That cause me to get places and finances stable due to they errors that caused me a lot. I have my passport to prove it.

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 2024-08-04 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: EQUIFAX, INC.
State: TX

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.

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 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 non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX. The inquiry was not authorized XXXX XXXX  Account : XXXX XXXX Date of inquiry : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: OK

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 XXXX XXXX XXXX. 

ACCOUNT NAME. ACCOUNT NUMBER 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 XXXXXXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602a states : I have the right to privacy. 

15 USC 1681 section 604a section 2 states : a consumer reporting agency can not furnish an account without my written instruction 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 item of information, other than records of convictions of crimes which anteater the report by seven years. 

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

15 USC 6802 ( b ) ( 1 ) states : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2024-08-04 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: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2024-08-04 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: MO

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case!

LIST OF ACCOUNTS BEING CHALLENGED ; 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

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 2024-08-04 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: MO

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; 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

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 2024-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2024, I logged into my online banking and found that the information for my XXXX account had disappeared, and my debit card was subsequently declined. I contacted the customer service department of my financial institution for assistance ; however, they were unable to resolve the issue. The language barrier with the overseas representatives necessitated multiple attempts to communicate effectively. Ultimately, I was connected to a representative from another department who, unfortunately, also lacked the necessary knowledge and proficiency in English to assist me, and no translation services were offered. This lack of support from the financial institution has led to severe financial distress for me. It appears that the institution may be infringing upon my rights as stipulated by the Electronic Fund Transfer Act and the Fair Credit Reporting Act, given their failure to provide adequate assistance.

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 2024-08-04 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: American Credit Acceptance, LLC
State: VA

Complaint narrative:
CFPB, The loan I had with American Credit Acceptance I paid less then the full balance because the car I had almost costed me to lose my life. When I was driving the car I heard a loud knock in the rear I pulled the car over, got out to look both of the back tires were leaning in, so I had it towed to XXXX XXXX XXXX XXXX in XXXX, XXXX. They called me on the phone and told me it's a good thing I stopped driving it. XXXX XXXX XXXX stated if I would have continued to drive it I would have lost all break function because it was missing XXXX XXXX  on the back breaks. paid less than what you actually owed the creditor. It's a negative entry on your credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
According to Congress Federal Law Fair Credit Report Act 15 USC 1681 A-N Definition Exclusions of Contract and Civil Liability for Willful Noncompliance erase and discharge the line of credit and transactions/experiences that show late payments, payment history, utilization, mixture of credit, length of credit history, new credit. These shall be excluded on consumer reports. 

You will also need to show original agreement with signed wet ink signature. Since you can not furnish this information, please discharge/delete this negatively impacting report item. Please discharge and delete from all credit bureaus. 

Should you not delete and discharge immediately, I will pursue civil litigation and sue for defamation, denial of credit opportunities, and denial of career opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: OK

Complaint narrative:
I am a victim of XXXX XXXX  of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY EQUIFAX, XXXX XXXXOpened XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXXClosed on XX/XX/XXXX, BLOCKED AND DELETE THESE INQUIRIESXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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 have found false and misleading information on my consumer report which violates my consumer rights according to the FDCPA, GLBA, RFPA, & FCRA. 15 USC 1681a ( 2 ) ( B ), 15 USC 1681i disputed accuracy, 15 USC 1681s responsibilities of furnishers of information to sonsumer reporting agencies, 15 USC 1692g validation of debts, 15 USC 1692e false or misleading representations, 15 USC 1681b permissible purposes of consumer reports, 15 USC 1681c-1 protection of consumer information, 15 USC 6801 protection of nonpublic personal information, 15 USC 6802 obligations with respect to disclosures of personal information, 15 USC 6803 disclosure of institution 's privacy policy, 12 USC 3403 confidentiality of financial records. Im sure the immediately removal of these accounts and inquiries will solve the problem of the laws that you are in violation of.

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 2024-08-04 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: PA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Complaint Against LVNV FUNDING LLC for Violating Consumer Rights Dear CFPB, I am writing to file a formal complaint against LVNV FUNDING LLC for their persistent violation of my consumer rights under federal law. They have failed to comply with the legal requirements of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the regulations enforced by the Consumer Financial Protection Bureau ( CFPB ). 

Details of the Complaint : Creditor : LVNV FUNDING LLC Disputed Reason : Failure to provide debt validation, continued reporting of unverifiable debt, and non-compliance with communication preferences. 

Violations : Fair Credit Reporting Act ( FCRA ) LVNV FUNDING LLC has reported inaccurate and unverifiable information on my credit report. Despite my request for validation, they have not provided any documentation to substantiate the debt, thus failing to ensure the accuracy and fairness of the information reported. 

Fair Debt Collection Practices Act ( FDCPA ) As per FDCPA, I requested validation of the debts from LVNV FUNDING LLC. They are required to cease collection efforts and remove the collection accounts from my credit report if they can not validate the debt. However, they have continued to report these unvalidated debts, which is a clear violation of the FDCPA. 

Fair and Accurate Credit Transactions Act ( FACTA ) FACTA allows me to dispute inaccuracies in my credit report. LVNV FUNDING LLC 's failure to validate the debts makes these accounts inaccurate, and their refusal to correct these inaccuracies is a violation of FACTA. 

Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB enforces regulations to ensure fair treatment of consumers by financial institutions. LVNV FUNDING LLC 's failure to validate the debt and their continued reporting of unverified information constitute a violation of these regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> Dear Jefferson Capital Systems , LLC, I am writing to address the ongoing issue regarding a collection reported on my credit report, allegedly by your company. This is a formal cease and desist letter as your unfounded claims that I own a debt is seriously impacting my life. As per the case of XXXX XXXX XXXX XXXX XXXX and the requirements outlined in the Fair Credit Reporting Act ( FCRA ), it has come to my attention that you have violated multiple FCRA practices by publishing this collection on my credit report without proper investigation. 

During our previous conversation, your company assured me that collection efforts would be terminated. However, to my dismay, almost 6 months have passed and this collection is still being reported on my credit profile. This situation is causing me extreme financial and emotional distress, as it is negatively impacting my personal credit. 

In accordance with my rights under the FCRA, I am seeking to enter into pre-arbitration to resolve this matter promptly. To be clear, I would like to offer the opportunity to settle this issue amicably by accepting a payment of {$2000.00} and a swift deletion of the account off of my credit report. It is important to note that I could potentially seek {$1000.00} per violation, based on the violations outlined. 

I urge your company to take this matter seriously and work towards a swift and fair resolution. This situation has caused undue hardship and I am hoping to avoid further escalation. If you are willing to discuss this matter further and come to a mutual agreement, please contact me at your earliest convenience by email to initiate pre-arbitration proceedings. To ensure that your concerns are addressed in a timely manner, I recommend sending a follow-up communication in 15 days if you haven't received a satisfactory response. I'll also be filing a complaint with the Federal Communications Commission ( FCC ) to seek assistance in resolving the matter.

Thank you for your attention to this matter. I am hopeful that we can resolve this issue promptly and amicably. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation