vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AR

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt associated with my name. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide me with the following information : Verification of the debt amount and its origin. 
Documentation demonstrating that I provided consent or agreed to the collection of this debt by your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: GA

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. 

Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-03-12 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: NV

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from 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 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I got a notification on my XXXX app regarding my credit score dropping and a hard inquiry under my credit file from JP Morgan Chase bank. I immediately log into my chase account ( I bank with Chase ) and see a credit card that has just been added to my account. Called Chase and notified them that was not me. They started the fraud process and said they would be closing the account. They gave me XXXX 's number so called XXXX and added a fraud alert to my account along with started the dispute process for the credit report history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: MO

Complaint narrative:
I kindly ask for the prompt removal of the public record from my credit report and necessary adjustments to be made. Supporting documentation has been attached to facilitate this request, and I thank you for your prompt action.

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 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: NE

Complaint narrative:
On XX/XX/2024, I was reviewing my credit reports through annualcreditreport.com. I discovered a collection entry that DOES NOT belong to me from a company named Swiss Colony/Montgomery Ward . The account # XXXX reflected a charge off balance of {$340.00}. Multiple attempts have been made to contact this company without resolution. I further noticed that this same company not only entered a collection entry of {$340.00}, but also entered a " Past Due '' balance of {$120.00} which alerted me to suspicious activity as an account can not be charged off and show a past due balance. 

This incorrect information is causing me financial harm as I am unable to secure a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: NJ

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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX, and so on.

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 2024-03-12 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: MI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX  who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX, and so on.

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 2024-03-12 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:
On XX/XX/XXXX I wrote to H.R., the Executive VP at XXXX stating that the credit reporting agency violated my rights as an American consumer by sharing my personal, non public information without my consent. 15 USC 1681 ( b ) Permissible purpose of consumer reports, clearly states that any consumer reporting agency may furnish a consumer report under the following circumstances and No Other. They need your written consent to add anything to consumer report if you did not give this authorization. There is also an exclusion, which states that reporting transactional data is, in fact, illegal. 15 USC 6802 ( a ) ( b ) Obligations with respect to Personal Information and 12 CFR 1022.3 defines Identity Theft as fraud committed or attempted using the identifying information of another person without authorization. Anything added to your report without written Consent is considered identity theft. 15 USC 1681 ( n ) Civil liability for willful noncompliance and in general ; Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of. ( A ) and ( B ). And finally the Privacy Act of 1974 ( b ) Conditions of Disclosure.

On top of that, there are multiple inquiries on my credit report that should not be there. 15 USC 1681 ( b ) Permissible Purposes clearly states that if the consumer does not have an open account with the lender that inquired, they have to remove the inquiry OR send the documentation that they used to verify the open account. I also requested that they remove any address listed on my report besides the one listed on my letterhead, for they are Non-Mailable addresses and should not be there. In my letter I clearly stated that This information was obtained unlawfully and failure to act would make them liable. This letter was sent in XXXX, it is now XXXX, and in their response they claimed that they can basically do whatever they want and no changes were made to my report. This gross negligence has caused immense damage to my quality of life and has hindered my ability to pursue happiness. Willful non-compliance can easily be proven with record of the original letter, their written response, and their failure to comply. I request IMMEDIATE action to remedy this violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: NY

Complaint narrative:
On XX/XX/XXXX I wrote to H.R., the Executive VP at XXXX stating that the credit reporting agency violated my rights as an American consumer by sharing my personal, non public information without my consent. 15 USC 1681 ( b ) Permissible purpose of consumer reports, clearly states that any consumer reporting agency may furnish a consumer report under the following circumstances and No Other. They need your written consent to add anything to consumer report if you did not give this authorization. There is also an exclusion, which states that reporting transactional data is, in fact, illegal. 15 USC 6802 ( a ) ( b ) Obligations with respect to Personal Information and 12 CFR 1022.3 defines Identity Theft as fraud committed or attempted using the identifying information of another person without authorization. Anything added to your report without written Consent is considered identity theft. 15 USC 1681 ( n ) Civil liability for willful noncompliance and in general ; Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of. ( A ) and ( B ). And finally the Privacy Act of 1974 ( b ) Conditions of Disclosure.

On top of that, there are multiple inquiries on my credit report that should not be there. 15 USC 1681 ( b ) Permissible Purposes clearly states that if the consumer does not have an open account with the lender that inquired, they have to remove the inquiry OR send the documentation that they used to verify the open account. I also requested that they remove any address listed on my report besides the one listed on my letterhead, for they are Non-Mailable addresses and should not be there. In my letter I clearly stated that This information was obtained unlawfully and failure to act would make them liable. This letter was sent in XXXX, it is now XXXX, and in their response they claimed that they can basically do whatever they want and no changes were made to my report. This gross negligence has caused immense damage to my quality of life and has hindered my ability to pursue happiness. Willful non-compliance can easily be proven with record of the original letter, their written response, and their failure to comply. I request IMMEDIATE action to remedy this violation of my consumer rights.

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 2024-03-12 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: IL

Complaint narrative:
I kindly request a revision to my credit report, particularly the removal of the existing public record. I have enclosed the necessary documents to support this appeal. Your assistance is greatly valued

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 2024-03-12 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I recently pulled my personal credit file as I am preparing to obtain funding and found some items on my account that are not accurate information. The Employment Info has incorrect data as I am requesting that the following info is removed ; ie XXXX XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXX immediately for reporting false documentation of employer info. The also see false addresses reported on my file and i need them to be removed immediately to prevent important mail from going to the wrong address potentially causing significant issues with receiving mail. The only address that should be on file is XXXX XXXX XXXX XXXX XXXX FL XXXX and all other addresses need to be removed including XXXX XXXX XXXX XXXX OH XXXX and XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I also see a credit account that is reporting from Navy Federal CU with account number XXXX that needs to be deleted immediately as well. This information needs to be verified or DELETED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
The complaint is regarding a XXXX loan serviced by University Accounting Services, LLC ( UAS ) for XXXX University. 

I did not receive the required notice ( s ) prior to the loan repayment that was supposed to be received in XXXX XXXX. 

In XX/XX/XXXX, I received my first statement after the Covid-19 pause which reflected an Original Loan amount of {$9000.00} ; Current Balance of of {$8200.00} ; and interest balance of {$73.00} which appear to have been included in the Current Balance of {$8300.00}. There was no description in the " Recent Activity/Message '' area. 

In XX/XX/XXXX, I received my second post Covid-19 statement which reflected Interest Accrual in the amount of {$1600.00} listed in the " Recent Activity '' area. The Previous Balance on this statement reflected {$8300.00} ; Interest Balance of {$1600.00}, and the Current Balance significantly increased to {$9800.00}. 

I spoke with XXXX of UAS on or about XX/XX/XXXX regarding the interest charged to the account, which is incorrect. I requested an explanation for the interest and current balance and verbally disputed the amounts. XXXX told me that he was requesting a review of the account and I would receive an email by the end of the week. I have not yet received a response the UAS regarding this matter. 

Another matter that I would like to be reviewed is regarding the documentation that should be received as deferments and pauses are over or have ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This complaint to COMENITYBANK/WAYFAIR for allowing inaccurate information and fraudulent account on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent account still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX # XXXX 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 of 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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a notice in the mail from Chase that my Chase IHG account is at risk of suspension/late on XX/XX/2024. When I logged onto the account I noticed that there was a charge from XXXX on XX/XX/2024 for {$95.00} that I did not make or authorize and Chase NEVER NOTIFIED ME of the FRAUDULENT charge!! MOREOVER, THEY HAD THE NERVES TO ADD A LATE FEE AND INTEREST CHARGE FEE ON TOP OF THAT CHARGE!

Company response to consumer: Closed with non-monetary relief