vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the 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 2024-04-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: FISERV FINXACT CORE
State: MO

Complaint narrative:
I opened n unemployment clame in XXXX XXXX told the person who opened it I needed a card never got it I call back in XXXX XXXX wondering why I never got it they issued another never got it then I call XX/XX/2024 still wondering why 3 times NEVER NOcard. I'm thinking about sueing because my child and my self lost our home or car lost everything because this company has failed to be sure I got a card the first line been waiting since XXXX XXXX till current XX/XX/2024 for unemployment money

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
To whom it may concern : Attached you will find information Ive identified on my credit report that needs to be deleted from your records immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
To whom it may concern : I am also requesting a copy of my updated credit report. I have the right to contest any information on my credit report that I believe is inaccurate. So, I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, Im requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report. These allegations appear to be false. Please provide evidence for each claim. If any of these claims are not true, please delete them immediately. I am also requesting a copy of my updated credit report. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form LOBEL FINANCIAL CORP ( XXXX ) - ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I have obtained a XXXXXXXX XXXX XXXX  XXXX Report, dated XXXX. The Report, includes an American Express Prospectus, dated XX/XX/XXXX which discloses that the primary assets of the trust are receivables of designated consumer American Express revolving credit card accounts and receivables generated with the use of revolving credit features associated with certain other American Express credit card accounts and, in the future, may include other charge or credit accounts or features or products. The receivables consist of principal receivables and finance charge receivables. American Express XXXXXXXX XXXX XXXXXXXX XXXX is listed as the Issuing Entity of XXXX XXXX XXXX with an original balance of $ XXXX. American Express XXXX XXXX is listed as XXXX and XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX is named XXXX. The assigned XXXX Number is XXXX. The 1st payment date for this XXXX was XXXX. The XXXX maturity date is listed as XX/XX/XXXX. The Audit states Cardmembers ) Receivables has been converted into a stock as a permanent fixture. Receivables arriving from the subiect Cardmembers credit card accounts ( including mine ), were sold, assigned, conveyed and transferred to AMERICAN EXPRESS XXXX XXXX XXXX XXXXXXXX. Although my credit card application ( s ) was/were securitized and sold on the secondary market, I was not granted rights, title or interest in Receivables or proceeds of any kind. When corresponding with several American Express XXXX, I was overlooked and remain void of relativity to this process. I did not grant permission to securitize my application and have revoked American Express XXXX XXXX XXXX and security interest in relation to all matters concerning XXXX XXXX XXXX, as I, XXXX XXXX XXXX XXXX XXXX Agent and Beneficiary. In short, I believe the foregoing securitization practices of AMERICAN EXPRESS and its AFFILIATES to be that of Securities Fraud and Identity Fraud and in accordance with the Securities Act of XXXX. I was deceived and omitted from interest in this entire securitization process, while AMERICAN EXPRESS and its AFFiLIATES misrepresented the lucrative utilization of my application ( s ), as my application ( s ) was/were sold on the secondary market for monetary gain, for millions of dollars. In an effort to enter into a partnership with American Express, to date, my efforts are in vain. A list of Executives and Representatives approached in writing by me include : 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 XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX and their General Counsel Offices. Filed complaints now include XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer Financial Protection Bureau. My final step, and very soon, is XXXX. Mailings and attachments available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
A fraudulent Bank Account was opened in my name on XX/XX/2023. I have contacted Bank of America several times and to date I have not received a letter stating the account was not mines with the correct name it was opened with. Bank of America also distributed finances that belonged to me from a settlement to be cashed by someone else other than me. I have all the supporting documents.I recently got a XXXX XXXX which I included in the dispute 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
Consumer complaint received 2024-04-13 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: NY

Complaint narrative:
I am submitting a follow-up complaint regarding my credit file, which appears to have been compromised due to a lack of action on previous removal requests, despite the support of FTC reports XXXX XXXX, # XXXX, and the most recent, # XXXX. As a victim of fraud, I am once again insisting on the removal of entries stemming from such fraudulent activities from my credit report. According to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), you are required to eliminate any disputed items within four business days following XX/XX/XXXX. This issue was highlighted in my prior communications and is underscored once more due to a new FTC report. The entries listed below are unrecognized by me and have been removed by other bureaus, which casts further doubt on their accuracy. 
XXXX : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX -- -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX. This notice serves as a final warning. Failure to comply with the mandated removals as stipulated by FCRA 605B will compel me to initiate legal proceedings. My legal counsel has been briefed on your willful non-compliance and is prepared to pursue all necessary actions to enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Ally Financial Services Account # : XXXX In accordance with FCRA, this creditor has violated my rights under 15 USC 1666b, a billing error, as I have a right to privacy, per 15 USC 1681 Section 604 ( a ) ( 2 ) ; moreover, it reads that a consumer reporting agency can not furnish a consumer 's account information without my written consent/instructions, as Ally Financial XXXX reported alleged late payments for the months : XXXX, XXXX  and XXXX, XXXX to the credit bureaus, XXXX, XXXX and XXXX. Therefore, I am requesting intervention regarding the removal of same from my consumer report. 

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 2024-04-13 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
While reviewing my taxes for the XXXX calendar year, I learned that a charge had been made on my Chase Sapphire credit card to a merchant named, " XXXX XXXX XXXX XXXX '', with an amount of {$8000.00} on XX/XX/XXXX. After reporting this fraudulent charge to Chase, they began an investigation into the fraudulent charge on XX/XX/XXXX, and subtracted the charge from my account balance. 

Today ( XX/XX/XXXX ), Chase sent me a notice, saying that they are holding me responsible for the fraudulent charge. Claiming that I have " received benefit '' from this transaction. This is not true, as I haven't done business with " XXXX XXXX XXXX XXXX '', and haven't received any benefit from them. 

After further investigation into what " XXXX XXXX XXXX XXXX  '' is, I found a company called " XXXX XXXX XXXX '' that has filed for Bankruptcy, the owner of which has been charged with XXXX XXXXXXXX . It appears that Chase hasn't investigated this problem thoroughly enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX Balance : {$23000.00}, XXXX XXXX XXXX XXXX Balance : {$15000.00} & XXXX XXXX XXXX XXXX Balance : {$16000.00}

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 non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX Balance : {$23000.00}, XXXX XXXX XXXX XXXX Balance : {$15000.00} & XXXX XXXX XXXX XXXX Balance : {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX I sent dispute to XXXX XXXX XXXX to update/correct several errors on my credit file that are negatively impacting my score and rating. I provided receipts and proof of payments made and instead of truly investigating they replied less than 12 hours later with Disputes Closed and status updated when all of the information is still wrong. 

XXXX XXXX XXXX  XXXX was paid in XX/XX/XXXX for a loan that was in collections but they are still reporting the balance as owed. 

XXXX vehicle loan has been paid in full for the {$28000.00} loan on time never late and has a XXXX balance it was left on there owed impacting debt ratio negatively. 

Credit card balances for XXXX XXXX and XXXX XXXX XXXX XXXX was left at high balances when they are all paid. 

XXXX XXXX is left at over {$4700.00} when the balance is {$1700.00} XXXX XXXX is left at over {$4500.00} when the balance is {$2500.00} Capital One bank agreed to a pay and delete of a collection account but is still reporting this as negative for the past several years but disputes and documentation never fixes. 

XXXX XXXX XXXX falsely put a collection on my credit with no notification to me, when I saw it they told me it was XXXX XXXX. I called XXXX who told me it was an error in my cancellation of my policy. I fixed it with XXXX the original creditor and paid them directly. Yet the debt debt for XXXX XXXX is on my file even though I knew nothing of them before they attached to my credit. XXXX agreed to delete due to error but they will not they are still reporting it as a negative account. I provided a paid receipt. 

XXXX did not investigate these disputes they simply falsely stated that all of the information meets Fair Credit Reporting and sent it back. Had they truly investigated they would have fixed all of these true errors in balances and payment statuses. They are fraudulently maintaining bad credit ratings and negative information that is causing people like me to suffer even though we are paying bills on time and have paid off bad debts. Because of this I can not buy a home or finance medical loans needed for medical procedures for my very sick spouse. I paid all of these bills and debts to do the right thing but the credit bureaus will not correct the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: CCS Financial Services, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX I sent dispute to XXXX XXXX XXXX to update/correct several errors on my credit file that are negatively impacting my score and rating. I provided receipts and proof of payments made and instead of truly investigating they replied less than 12 hours later with Disputes Closed and status updated when all of the information is still wrong. 

XXXX XXXX XXXX  XXXX was paid in XX/XX/XXXX for a loan that was in collections but they are still reporting the balance as owed. 

XXXX vehicle loan has been paid in full for the {$28000.00} loan on time never late and has a XXXX balance it was left on there owed impacting debt ratio negatively. 

Credit card balances for XXXX XXXX and XXXX XXXX XXXX XXXX was left at high balances when they are all paid. 

XXXX XXXX is left at over {$4700.00} when the balance is {$1700.00} XXXX XXXX is left at over {$4500.00} when the balance is {$2500.00} XXXX XXXX bank agreed to a pay and delete of a collection account but is still reporting this as negative for the past several years but disputes and documentation never fixes. 

Credit Collection XXXX falsely put a collection on my credit with no notification to me, when I saw it they told me it was XXXX XXXX. I called XXXX  who told me it was an error in my cancellation of my policy. I fixed it with XXXX the original creditor and paid them directly. Yet the debt debt for Credit Collection is on my file even though I knew nothing of them before they attached to my credit. XXXX agreed to delete due to error but they will not they are still reporting it as a negative account. I provided a paid receipt. 

XXXX did not investigate these disputes they simply falsely stated that all of the information meets Fair Credit Reporting and sent it back. Had they truly investigated they would have fixed all of these true errors in balances and payment statuses. They are fraudulently maintaining bad credit ratings and negative information that is causing people like me to suffer even though we are paying bills on time and have paid off bad debts. Because of this I can not buy a home or finance medical loans needed for medical procedures for my very sick spouse. I paid all of these bills and debts to do the right thing but the credit bureaus will not correct the errors.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: MA

Complaint narrative:
I am taking this time to write you in reference to updating my personal information with your company. Please update my address in your records to the address listed below : XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Please update to my full legal name XXXX XXXX XXXX XXXX This is the only SSN attached to my name : XXXX My only correct date of birth is : XX/XX/XXXX 
My only employer is : XXXX XXXX XXXX. 
Please remove all phone numbers on my credit report. 
Please remove all of the other addresses off of my credit report. The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
Per NCB Management Services on admission ( per the screenshot attachment ), they opened an account for me on XX/XX/XXXX, but was not reported to all three credit bureaus till XX/XX/XXXX. During that time I did not receive any notice or notification of an attempt to collect a debt according to 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Also, I have divorce decree from XXXX, resolving me from any debts with the individual in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MicroBilt / PRBC (formerly CL Verify)
State: FL

Complaint narrative:
To whom it may concern : Attached you will find information Ive identified on my credit report that needs to be deleted from your records 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 explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
Applied for a loan with One Main Financial : When the loan was approved, I was told I had to all add-on services were a part of the loan such as roadside assistance, XXXX, insurance. etc. I was never told it was an option. The interest rates and monthly payment was so high, I had to get another loan with a lower rate to pay that loan off.

Company response to consumer: Closed with explanation