vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 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: IN

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: IN

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 informationisinaccurate.

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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted XXXX XXXX XXXX which gave me a letter saying that they would ask the Credit Bureau to remove this from my credit as it is not mines. I have contacted your company and they said they would take it down yet. They did not has seriously affected my credit. 

and again they refuse to take it down

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 2024-07-01 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: FactorTrust, Inc.
State: SC

Complaint narrative:
I called to initial the removal of items from my credit report due to being a XXXX  XXXX. I was told i needed to submit documentation, and include all the required documents which i have attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting 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:
TransUnion has ignored my request, asking to provide me with the proper documentation that your company has on file showing what method was used to verify my disputed accounts. This leaves me to believe that you have not verified or you can not verify my disputed accounts and under Section 611 ( 5 ) ( A ) of the FCRA, you are required to delete all information which cant be verified. This law is very simple and clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ), if your company fails to comply with this Federal Law. I am a litigious consumer who will not hesitate in pursuing legal litigation to enforce my rights under the FCRA. I demand the following accounts be verified the correct way or deleted immediately XXXX with account number XXXX Your company failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609 XXXX XXXX  with account number XXXX company failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609 XXXX XXXX  account number XXXX Your company failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609 XXXX XXXX with account number XXXX Your company failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609 XXXX with account number XXXX Your company failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609

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 2024-07-01 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: IL

Complaint narrative:
I am writing to express my concern regarding the negative impact that my current credit report is having on my financial well-being. As a responsible consumer, I understand the importance of maintaining good credit, but unfortunately, the current state of my credit report is severely affecting my ability to obtain loan. 

I request that you investigate these discrepancies promptly, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. Please conduct a reasonable investigation and provide me with the results within 30 days, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: IL

Complaint narrative:
I am writing to express my concern regarding the negative impact that my current credit report is having on my financial well-being. As a responsible consumer, I understand the importance of maintaining good credit, but unfortunately, the current state of my credit report is severely affecting my ability to obtain loan. 

I request that you investigate these discrepancies promptly, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. Please conduct a reasonable investigation and provide me with the results within 30 days, as required by law.

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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
SENT THIS LETTER MANY TIMES. 

According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past six months. I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 

THEY REFUSE TO DELETE THIS INFORMATION AND IT IS FALSE AND INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have received a copy of my credit report and you are claiming I have an account with your company or I owe your company a debt. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you. Also because you are a third party collector, you have no permission to furnish any information on my credit report initially. The law clearly states that before you collect any information about me, you have to get my authorization to access my credit report for any reason. You didn't do that, there is no way I would ever give a slimy collection company permission to slander me on my credit report. 
Now, I am also exercising my right under the FDCPA to dispute the alleged account and demand validation from your company. I'll break it down very easy and simple for you, but if you fail to provide every single thing I request from your company, you will be required to cease all collection activity immediately. Notify me in writing that you indeed are ceasing and deleting all information you have furnished to any and every one of my credit reports from every single credit repository to which you have submitted this unverified and un-validated information. This is requesting PROOF OF CONTRACT to substantiate your claim. Therefore, you need to provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specifically Naming LVNV FUNDING LLC as an entity entitled to enforce a commercial claim, you do not conduct commerce against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CA

Complaint narrative:
on XX/XX/year> i had a flat tire and contacted a company to send someone out to send help to me and they charged me XXXX dollars. the service was never given and no one ever arrived. further research into this company showed that it is a scam company and when i contacted wells fargo to help with this to refund me my money the investigation was found in favor of the company even though they never provided the service. the company is roadway rescues. when i asked to cancel the service after an hour of not receiving help they let me know they would charge me another XXXX dollars if i cancelled so i had no choice but to contact wells fargo for this transaction. today XX/XX/year> they sent me a letter saying they found in favor of the company and will take the money out of my account on XX/XX/year>

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 2024-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
This company sold my information to an unknown company that harassed me for money, also according to 15usc 1692c ( c ), 1692c ( b ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such deb, which, subject to certain narrow exceptions, prohibits debt collectors from communicating with third parties in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: FL

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 inructions 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.

These are the inquiries which should be off from report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I started having problems with my account. I ended up getting a new card and account and I had the same issue. I went into the branch and requested to close my accounts and they blocked me and they had asked and received my marriage and maiden social security cards, phone bill, my financial aid documents from XXXX from school and copy of date my email address was created, copy of my XXXX drivers license, then they changed my number and said I would receive a code to unblock my account in the mail, the code came Friday and they said it was not the code, and its been a week and no other code has come though they claim that the code I have is not the code. It is becoming depressing with my XXXX and I cant deal with this anymore.

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 2024-07-01 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:
Date : XX/XX/year> The Credit Bureau 's stated Account Name & Account # was properly investigated, but how is that possible when the open date is inaccurate, the date last active is incorrect, and the date last reported is also inaccurate? This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2. I am attaching copies of all letters sent below.

The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I haven't given written permission for these accounts to be furnished on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Kindly remove and block. 
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away.

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 2024-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I received an email stating that my account status changed and moving forward I would be charged fees which I have not been charged in the past. I called Citi and they reviewed my account and said that my account activity qualifies me for a waiver of the fees. I asked for written proof of this and the representative told me that I couldn't receive written confirmation, but to " rest assured that if I am charged a fee the fee will be removed and credited immediately. '' I asked to speak with a supervisor and I was placed on hold, then the call was disconnected.

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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I see that One Main Financial is showing as a inquiry on my XXXX credit report from XX/XX/year>, I did not inquire anything with One Main Financial, it must have been someone else, and I am just becoming aware. I have filed a complaint with identitytheft.gov as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
After more than ten years Chase closed my 3 credit card accounts claiming that I had disputed too many transactions. The representatives I had with whom I spoke about many of these transactions were receptive to my requests and in no way expressed to me that I was violating any policy. I had no idea that my cards were being closed I assumed that the machines were malfunctioning. I disputed XXXX which was bundled into XXXX and had been quietly charging my card XXXX XXXX XXXX for a year. XXXX which I had to cancel five times in five months to stop charging me {$45.00} for a service I never activated. One inquiry would reveal itself to be many and I explained that to Chase and they pretended to be on my side. They closed all 3 cards. ( XXXX, Southwest, XXXX  ) Then while I am paying off my closed cards I started getting emails and ads within the Chase app baiting me to get a new Chase card. I eventually decided to accept the offer and get approved immediately. My credit score was really scarred from the closing. I was house hunting and talking with lenders, the last thing I needed was a hit to my credit score. This new Southwest Chase card approval was a little baffling but I felt like it was a step in the right direction. I began using it and setting it up for automatic payments to pay for my utilities and as my primary card like I had before. After a week or two they closed my new card. When I called even the customer service agent seemed confused as she told me that the explanation given was that I disputed too many transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-07-01 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: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
As far as i can remember the 2 accounts listed on my credit report are very old, more than 10 years ago or more from the date it was reported delinquent. ( A ) CKs Prime Investments, L. is trying to collect - {$600.00}, ( B ) XXXX XXXX XXXX. is trying to collect {$480.00}, and I don't even remember the original company 's name and the amount that I actually owed them, and it could have been paid for when I filed for bankruptcy 10-15 years ago. According to Federal law after 7-1/2 years, such reports should have come off on someones credit report. 
Information was taken from 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