vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am writing to file a formal complaint against JP Morgan Chase Bank Auto regarding their unauthorized sharing of my nonpublic personal information with non-affiliate third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15USC 6802 of Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. On ( XXXX ), I notified JP Morgan Chase Bank Auto, that I am opting out of any and all authorization, whether written, unwritten, verbal, non-verbal, for the sharing of my nonpublic personal information with non- affiliated third parties, including consumer reporting agency, for any purpose other than those necessary to provide me with financial products and services. 
I provided this opt out notice in accordance with the legal requirements outlined in 15 USC 6802, and I have retained documents of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that JP Morgan Chase Bank Auto has continued to furnish my nonpublic personal information to non affiliate third parties and consumer reporting agencies without my consent. 
The unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential for identity theft, fraud, or other financial harm. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that JP Morgan Chase Bank Auto, complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by JP Morgan Chase Bank Auto. 
Please feel free to contact me at XXXX or XXXX if you require any additional information to proceed with this investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights. 
Thank you for your time and cooperation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent a dispute letter with a copy of the report stating all the inaccuracies in the report that I found, such as Transaction history with $ amounts, undeliverable addressed, and Incorrect late payments, certified mail to XXXX XXXX XXXX XXXX XXXX, Ca with return receipt. 
After 30 days XXXX action was taken on the report, so I called Experian and was able to remove the different name variations and Undeliverable addresses, and was told the rest of the disputes were still pending. 
After this phone call I sent certified mailed a second letter to Experian, sent to XXXX XXXX XXXX, XXXX, Texas. In this letter I stated, I have not given written consent for Experian to gather/share/or profit from my personal information in any way shape or form, and that this violation must be addressed within 30 days. I have found more than 13 inaccurate information at of XX/XX/2024, and received no response from Experian. 
However, 65 days after the first dispute letter, I sent a 3rd notice to Experian, notice to proceed with arbitration, delivered certified mail to XXXX XXXX XXXX, XXXX XXXX, Ca. This letter was sent first week of XXXX, and XXXX action has been taken to resolve these matters. I have not given written consent for Experian to furnish any of my personal information and have willfully non complied with all XXXX of my request.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent a dispute letter with a copy of the report stating all the inaccuracies in the report that I found, such as Transaction history with $ amounts, undeliverable addressed, and Incorrect late payments, certified mail to XXXX XXXX XXXX XXXX XXXX, Ca with return receipt. 
After 30 days XXXX action was taken on the report, so I called Experian and was able to remove the different name variations and Undeliverable addresses, and was told the rest of the disputes were still pending. 
After this phone call I sent certified mailed a second letter to Experian, sent to XXXX XXXX XXXX, XXXX, Texas. In this letter I stated, I have not given written consent for Experian to gather/share/or profit from my personal information in any way shape or form, and that this violation must be addressed within 30 days. I have found more than 13 inaccurate information at of XX/XX/2024, and received no response from Experian. 
However, 65 days after the first dispute letter, I sent a 3rd notice to Experian, notice to proceed with arbitration, delivered certified mail to XXXX XXXX XXXX, XXXX XXXX, Ca. This letter was sent first week of XXXX, and XXXX action has been taken to resolve these matters. I have not given written consent for Experian to furnish any of my personal information and have willfully non complied with all XXXX of my request.

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 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am disputing the " key factors '' on all of my credit reports. I requested a copy of my credit report after I got denied for credit. My actual credit report is fine, all the companies/agencies have reported my information correctly. My problem is with the actual credit bureaus themselves. They have what they call key factors and these key factors are wrong. For instance one of the key factors state " the date that you opened your oldest account is too recent ''. I do not know what they consider recent, but I am XXXX XXXX XXXX and I bought my first house when I was XXXX. So to me XXXX years is not recent. Or another key factor states " your largest credit limit on open bankcard or revolving accounts is too low ''. I dont even know what that means. I called Equifax today and spoke with XXXX and he could not even explain what that means to me. I dont understand these XXXX factors. I have an XXXX credit score, but I have XXXX negative key factors that are coming from the credit reporting agencies themselves, not any creditor. I want these key factors removed from my credit reports. I was denied credit because of the key factors and I have worked too hard for too many years to get perfect credit for the actual credit bureaus to ruin the work I have done. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2024-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have a XXXXXXXX XXXX XXXX credit card through wells Fargo. My name is XXXX XXXX XX/XX/year>, my previous Case number XXXX XXXX XXXX XXXX. This has been on going for months & It was brought to my attention that a checking account which does not belong to me has been being charged. Wells fargo refuses to chargeback that card unless the owner of the account charged files a dispute with their bank which is chase. i did not authroize those card payments nor did the person whos account it is. Wells fargo basically told me i have to take it up with the persons bank but i was never authorizing those charges to be paid with that account since it is not even my account and i never added it to my XXXXXXXX XXXX XXXX XXXXXXXX was my pervious case manager who was VERY good. l 100 % am open & willing to pay the bank back whatever was charged to this persons account. It has been on going for two months now & i have yet to have a resolution. I tried to be patient but it has been months & they only contact me if i reach out first. The person whos account it was has made a cfpb case against wells fargo as well & they refuse to help her get the money back into her account because she is not a Wells Fargo customer. Her case manager was XXXX XXXX who also has my info ) & the case number is XXXX. The person who's account was being charged is XXXX XXXX. We are trying to get this resolved & hoping Wells Fargo does the right thing by sending her the money that is owed to her otherwise we will have to take further actions. Wells Fargo is telling me the only way they can give her the money back is filing a dispute with chase ( her bank ) but chase wont dispute the charges. XXXX can be reached at XXXX XXXX if Wells Fargo needs to contact her to get her her money back.

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 monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX Reference # XXXX XXXX XXXX is the debt that is " owed '' is {$1400.00} the semester wasn't finished due to an illness in the family and I failed to cancel the course. I called today to offer to pay the cancelation fee and requested a letter for the debt to be removed after paid. The representative I spoke to stated the cancellation fee was {$380.00} plus {$20.00} processing fee. I called XXXX XXXX spoke to XXXX and he confirmed the cancelation fee is {$200.00}.

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 2024-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: OR

Complaint narrative:
( I submitted an earlier complaint and was given a completely irrelevant response by Credit Acceptance which I will upload for review. I also am working on getting a local attorney. ) I have a predatory auto loan for a XXXX XXXX XXXX that I got used from a XXXX Dealership in XXXX, Oregon in XXXX of XXXX. I was mislead by the dealership and wasnt aware of the amount being financed for this car which already had high mileage. The interest rate is so high that I cant pay down the principal. When I missed a few payments after losing work they started adding up as the car payment alone was {$500.00} a month. This severely hurt my credit score which went from a XXXX down to a XXXX. Which in turn impacted my ability to trade the car in at a different dealership to get out of this loan. The car has been valued at {$5000.00} at most for trade in, Credit Acceptance wants {$15000.00} for a car that isnt worth that at all. To make matters worse, the tires were bad and I had to spend an additional {$700.00} on new tires and the transmission is starting to slip even though I have kept up on fluids and routine maintenance Fixing that issue would be more than the car is worth. I noticed that Credit Acceptance was being sued by the CFPB. Im also looking into getting a local lawyer to see if I have a case. This has impacted my credit and my ability to get a decent rental ( housing ) as well.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive 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 non-monetary relief
Consumer complaint received 2024-04-09 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: CA

Complaint narrative:
On XX/XX/XXXX I applied for a business credit card with Chase, for XXXX XXXX XXXX, and was denied. On XX/XX/XXXX I applied for a business credit card with Chase and was denied. On XX/XX/XXXX I applied for a business credit card for the 3rd time and again, denied. After this 4th denial I got on the phone with Chase executive office and stated that Chase is an intermediary and have discriminated against me based on the report provided by XXXX, which is known for providing inaccurate information and obtaining that information without the consent of the people. They advised me to take this matter up with XXXX. I wrote a letter to Chase, dated XX/XX/XXXX and emailed a copy to them as well. In this letter I stated that I am executor and the beneficiary of this application and the noteholder. I referenced many of the quoted items in the Recent Prospectus report that show I have equitable interest in this credit card. I aimed to resolve this matter amicably, however I received the same letter in response to the original application word for word. Chase intentionally disregarded all the information I provided and duplicated the originally letter with a different date and still denied my access for fair and equitable credit. I then wrote a second letter 30 days later, XX/XX/XXXX, stating that I have received no benefit whatsoever from Chase, I have reviewed the prospectus report multiple times and in this letter I stated that I have found very suspicious activity relating to securities and trading benefits due to members on secondary markets and all the profits being returned to Chase when the 98.2 percent of members do not claim their benefit. This is not set up in the benefit of the note holders. Again I received a response from XXXX at executive offices, that my business is still being denied access to credit based on the XXXX Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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:
XXXX XXXX sold a XXXX XXXX XXXX account ( with XXXX different account numbers : XXXX & XXXX ) to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. On XX/XX/XXXX, I was alerted by Experian that XXXX had reported the collection debt to Experian in my name ( XXXX XXXX ). I contacted XXXX to dispute to the collection debt and XXXX XXXX did not approve my fraud claim. I sent a letter ( dated XX/XX/XXXX ) to XXXX XXXX containing evidence to prove that my XXXX account may have been compromised on XX/XX/XXXX, the day the XXXX XXXX XXXX was approved in my name. I don't recall making any purchases with the card in question, but I did make payments on the card, because I thought I was making payments on my XXXX XXXX credit account ( # XXXX ), which was closed and paid in full on XX/XX/XXXX. XXXX has not sent me any documentation to prove that I applied for the XXXX XXXX XXXX and/or made purchases with the card. I hope CFPB can help resolve this matter in my favor, so the collection debt in the amount of {$3000.00} can be removed from my credit file. Thank you.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a 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 explanation
Consumer complaint received 2024-04-09 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: NY

Complaint narrative:
I checked my credit report and I can still see the Fraudulent accounts that I was requesting to get deleted. These items are damaging my credit and affecting my credit worthiness.

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 2024-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX CALLED ME AND THREATENED ME WITH LEGAL ACTION AND REFUSED TO ANSWER QUESTIONS OVER THE PHONE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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