vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 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: WA

Complaint narrative:
I have reviewed my credit report and noticed an account that is not reporting accurately. I have a late payment appearing on my XXXXXXXX XXXX XXXX account opened XX/XX/XXXX ending XXXX account that I was that was in fact paid on time. As i have this credit card on auto payments to ensure that i am never late. The consumer reporting agencies need to report all information with complete accuracy. This account has never been late on payment. I've attached a copy of my credit report to this complaint on the following date XX/XX/XXXX I'm now requesting you to investigate such discrepancies on this account. Please verify through obtaining evidence, such as statements, demonstrating the late payments being reported. If the creditor is unable to provide the proper evidence confirming all 3 late payments reporitng. I surely hope you follow your rules and regulations and demand the lates be removed and update this late payment reporting to be paid on time immediately. thank you for your immediate attention and prompt action to 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 2024-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
My account was closed after a transferred was made into my account. And I tried to take out the funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I went into the local Regions bank amen my credit card was lost and asked them to replace my card. They closed out my account.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XX/XX/year>XXXX  To whom this may concern : I am writing to update/correct my personal information on my credit file I dont wish to have any telephone number on my report. 

Under consumer law, credit bureaus reporting old or outdated addresses may violate provisions of the Fair Credit Reporting Act ( FCRA ). The relevant sections are : 1. FCRA Section 1681e ( b ) : Accuracy of Information Credit bureaus are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Reporting an old or incorrect address could violate this provision if it misrepresents your current address and affects your credit profile. 

2. FCRA Section 1681i ( a ) : Dispute Process You have the right to dispute inaccurate or outdated information, including old addresses, with the credit bureau. Once you file a dispute, the bureau must investigate and correct or delete inaccurate information, typically within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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:
XX/XX/year> To whom this may concern : I am writing to update/correct my personal information on my credit file I dont wish to have any telephone number on my report. 

Under consumer law, credit bureaus reporting old or outdated addresses may violate provisions of the Fair Credit Reporting Act ( FCRA ). The relevant sections are : 1. FCRA Section 1681e ( b ) : Accuracy of Information Credit bureaus are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Reporting an old or incorrect address could violate this provision if it misrepresents your current address and affects your credit profile. 

2. FCRA Section 1681i ( a ) : Dispute Process You have the right to dispute inaccurate or outdated information, including old addresses, with the credit bureau. Once you file a dispute, the bureau must investigate and correct or delete inaccurate information, typically within 30 days.

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 2024-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> ; I received a call from ( XXXX ) XXXX that claimed to be a worker for Wells Fargo and needed me to test my account for verification. They assured me that any money taken was just for security reasons and that it will be back in my account. 
Over the next ten days they would call me again for more testing and assure me that the money will be back in my account, while also wanting me to connect to XXXX accounts with the names XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. 
They called me the following times : XX/XX/XXXXXXXX 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 During those days they made the following transactions that misappropriated my money. 
XX/XX/year>XXXX  : ATM ID XXXX : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX {$200.00} & {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX {$100.00} XXXX  XXXX, XXXX, XXXX {$80.00} & {$9.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX {$52.00} XX/XX/year> : XXXX XXXX {$5.00} XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX {$59.00} ATM ID XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX {$400.00} & {$300.00} & {$300.00} XXXX XXXX XXXX  # XXXX, XXXX XXXX, XXXX, XXXX {$100.00} XX/XX/year> : XXXX XXXX XXXX XXXX XXXX, FL- {$12.00} XXXX  XXXX, XXXX, FL- {$25.00} & {$38.00} ATM ID XXXX : XXXX XXXX XXXX XXXX, XXXX, FL- {$1000.00} plus an overdraft fee of {$35.00} After missing two calls due to working on XX/XX/year>, I haven't heard from them since and later realized I was scammed. 
I tried to dispute the claims on my account online, but it failed due to the scammer tricking me to allow access as part of a security test, so they considered it legitimate. When I tried to dispute the claims by phone, they said I would need police assistance before they can check to see if it was actually me making those transactions, but since XXXX is in a XXXX XXXX, I don't know which police officers to call for help.

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 2024-12-15 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: DISCOVER BANK
State: FL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: CA

Complaint narrative:
This is not my debt, please remove. Unknown 3rd party

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I dont have the exact dates, how ever approximately XX/XX/year> i sent a letter to dispute all debt i ask for the name and address of original creditor, according to 15USC, 1692g, 15USC CODE 1681S-2. and ask for proof that they are authorized to collect o. the proclaim debt and provide Validation of Debt.

Names of Debt collector, Portability recovery & XXXX & Associates. 
Amount {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: MN

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: MO

Complaint narrative:
Violation of Federal Consumer Protection Laws and Request for Debt Validation I am filing this complaint against LVNV Funding LLC for violations of federal consumer protection laws under 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). Below, I outline my concerns and requests for corrective action. 

LVNV Funding LLC has contacted me through various channels, including emails, text messages, and phone calls, attempting to collect an alleged debt. I dispute owing any and all debts to LVNV Funding LLC and request proper validation of the debt. The company has failed to comply with federal laws and regulations in its communications and reporting practices. 

Violations and Issues Violation of 12 CFR 1006.34 ( b ) ( 5 ) : LVNV Funding LLC has failed to provide clear and conspicuous disclosure of the debt 's details, including the name of the original creditor and sufficient information to understand the nature of the alleged obligation. 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : The company has not provided an itemized statement breaking down the alleged debt, including the principal, interest, fees, and other charges, making it impossible for me to assess its validity. 

Violation of 12 CFR 1006.34 ( d ) : Communications from LVNV Funding LLC have lacked proper validation information, which is required to be provided in initial or subsequent contacts under federal regulations.

Violation of 15 USC 1681-S2 ( 7 ) ( A ) : LVNV Funding LLC has furnished inaccurate or incomplete information to credit reporting agencies regarding the alleged debt without properly investigating disputes or ensuring accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I mailed 2 separate checks to 2 Chase credit cards on XX/XX/year> with about 10 other payments. By XX/XX/year>, one day before the payments were due, I noticed the 2 checks to 2 separate Chase credit cards had not cleared when every other check I had mailed did clear. I phoned Chase for an explanation. The agent at Chase suggested I put a stop payment on the checks and make a phone payment given that the payments were due the following day. I phoned my bank, XXXX and put a stop payment on both checks then 24 hours later I made a phone payment to both Chase credit card bills. 40 days later on XX/XX/year> both checks clear when I had put a stop payment on the check and was told that someone at Chase converted them into an electronic form ( an ACH ). The checks were for a high amount as I was paying off the cards. One was for XXXX and the other was for XXXX. The mysterious XX/XX/XXXX payments created a balance credit for both accounts. I phoned Chase and escalated the matter only to be told a reversal would be initiated and would take 7 business days. Chase had no concern about the fact that some employee obviously held the high payment checks and then processed them 40 days later. I believe my account with Chase has been compromised and attempted fraud has been committed. I want an investigation into the matter. I want to see if the actual check has any signs of alteration. I want my money back as soon as possible and I want Chase bank to be fined for negligence on attempted fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 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 2024-12-15 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: EQUIFAX, INC.
State: OH

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AUTOMOTIVE CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I believed I had purchased a XXXX XXXX XXXX from XXXX XXXX XXXX and XXXX in XXXX. I signed all the paperwork, made my down payment, secured insurance, and drove off in the car. However, when they submitted my application to the bank, the process became unusually lengthy. During this time, I repeatedly asked if the transaction was legitimate, as it began to feel like a scam. To make matters worse, they charged me more than we had originally agreed upon. 

When the bank did not approve the loan, the dealership ran my credit multiple times without my consent. They then pressured me into signing a new contract but refused to provide me with a copy. Meanwhile, they put me in a rental vehicle, claiming they needed to " fix '' the XXXX. When I returned, they demanded a larger deposit and instructed me to provide inaccurate information to the bank. I refused to lie or engage in fraudulent practices. 

I repeatedly asked for a refund or to return the vehicle, but they refused, stating I was already the registered owner with the DMV and owed them {$10000.00}. At that point, I was unclear about what I was being charged for. I constantly felt uneasy, worried they might repossess the car over this mysterious debt. 

On XX/XX/XXXX, after consulting with the new bank and correcting the inaccurate information, I ultimately decided to return the vehicle. Multiple banks and financial advisors had warned me against continuing business with this dealership. Despite returning the car, I left with no refund, no vehicle, and multiple unauthorized credit inquiries that I never agreed to or 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 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
As an airline employee I can travel as a staff employee. As employees of the airlines we do not receive a seat until 10 minutes prior to boarding. If I pay hundreds of dollars for a service that the credit card company dangles in front of folks I should be able to access their lounges while Im waiting for my flight. Im a paying customer to the cc company and should not be exempt for the services Im paying for. I use my cc for all my travel needs so they are getting plenty from me but they are discriminating against airline workers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: KY

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 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 2024-12-15 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: WV

Complaint narrative:
Improper use of my credit report. Please see attached 'Executrix letter '.

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