vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/2024 Letter to remove inaccurate Credit Information To whom it may concern : I see this account has a charge off report on the following item. 
XXXX XXXX Credit Card # ( XXXX ) This account is reported as A charge off and I have Never received a 1099c cancellation of debt form. Due that this account is inaccurate and needs to be removed. 
Also According to a to LAW 15 U.S. Codes 1681s2 ( a ) ( 1 ) ( a ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

This account should be removed now this Account is reported ASAP. 
Once finished

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/year> Letter to remove inaccurate Credit Information To whom it may concern : I see this account has a charge off report on the following item. 
XXXX XXXX Credit Card # ( XXXX ) This account is reported as A charge off and I have Never received a 1099c cancellation of debt form. Due that this account is inaccurate and needs to be removed. 
Also According to a to LAW 15 U.S. Codes 1681s2 ( a ) ( 1 ) ( a ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

This account should be removed now this Account is reported ASAP. 
Once finished

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 2024-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
I was doing my taxes for my first time using turbo tax. After completing my return i was prompted to make a credit karma account. As this would be my first time doing so i clicked on the create account option and put in my full name and social security number. It came up with an existing account i did not make with the email XXXX. I was concerned so when i got into the account i noticed a credit score of around XXXX, which i should not have due to never making a credit account or taking out any type of loan, etc. There was also a debt amount of about {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
In XXXX of 2023 Westlake portfolio Management falsely reported information affecting my XXXX XXXX. They lied about payments and have been harassing me for payments when in my original contract it states I don't owe anyone anything after breaching. I've currently been extorted for {$700.00}, and they have stolen my car with my child 's car seat and her medication. They have also sent lawyers to intimidate me and got my court case canceled through false representation.

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 2024-02-08 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I purchased fuel at a local XXXX XXXX XXXX on XX/XX/2023. My charge for the fuel per XXXX and the receipt I received from XXXX was {$74.00}. Instead, of charging {$74.00}, Apple card showed a total of {$270.00} for fuel. I did not purchase any other fuel. I immediately, contacted Apple Card and told them about the overcharge. I have proof of text conversation, where I raised to the Apple Rep stating they overcharged me by {$190.00}. The rep agreed and opened a case for a dispute. Apple then sent me an email requesting proof of receipt. I submitted the proof of receipt and all evidence that clearly shows they overcharged me by {$190.00}. They then proceeded not to respond for almost 4 months only to close my case in favor of merchant. I went directly to the fuel station and spoke to the attendant, who reviewed and verified that XXXX only charged me {$74.00} and Apple is the one overcharging. I called Apple again and spoke to the rep informing the same, and they said they will reopen my case for another dispute and someone will contact me. No one contacted, and received same email again asking me to submit receipts. I did so, again and called only for Apple to tell me they are closing the case in favor of merchant. I asked again show me proof as to why it is in favor of merchant, when I have proof that merchant did not overcharge me APPLE did. They could not furnish any evidence to show favor of merchant and would not allow me to speak to the Dispute Manager. I have made multiple attempts to call APPLE and they keep reopening the Dispute and not responding. They are not providing any reason as to why it is was in Merchant 's favor. Even though I have proof of receipt that shows they are overcharging they are not reinstating me the amount that they asked me to OVERPAY!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: DC

Complaint narrative:
My case number with the bank is XXXX XXXX XXXX Someone stole my money from the bank. ( Direct Express ). The amount stolen was around {$2000.00} ( not sure about the amount but over {$2000.00} ). Prior to these,, the bank blocked my account. I couldn't withdraw from the account. The bank Customer representative told me they were going to open the account for me to withdraw the money I need and after they would close the account and give a new Atm card because they suspect someone is stealing money from my account. I withdrawed {$1600.00} from the bank and left over {$2000.00} in the account. To my surprise the bank did not issue another card neither did they close the account. This was the period in which the thief stole over {$2000.00} from my account. I informed the bank and asked me to fill out a form which i did .They later came out to deny my claim. Please help me to visit my case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-08 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  This company is reporting fraudulent inaccurate information on my credit report. 

This company is not authorized to conduct business in my state first of all. 

XXXX XXXX XXXX Also I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. They have not provided this and have not done a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: T.S. Holdings
State: GA

Complaint narrative:
I HAVE NEVER LIVED IN THIS COMMUNITY.. IN MY LIFE. I HAVE NOT HAD ANY APARTMENT ON MY OWN. THIS IS NOT MY ACCT AND I NEED PROOF THAT I SIGNED A LEASE AND THE DATE THAT I LIVED HERE. THE ORIGINAL PAPERWORK NOT A COPY.. 
I DID NOT AUTHORIZE THIS TO BE PURCHASED.

With reference to Section 609 of the FCRA Act, I would like to request further information On the following item as recorded on my credit report. 
The report records that for XXXX XXXX XXXX is a collection agency for And l requests the XXXX documents for this information containing my appended signature and any other related information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
For weeks in XXXX all Comenity avenues for paying Comenity credit card bills and accessing accounts were 100 % down and inaccessible. When they were finally back online, my XXXX credit cards with them ( XXXX and XXXX XXXX XXXX ) both had late fees added even though the late payments were due to their outages. For months, Comenity continued adding additional fees and interest onto those late fees. Comenity proceeded to harass me by phone - calling multiple times a day every single day, for months, to " collect this debt ''. I told them to stop calling me and that the only communication I would accept from them would be through mail, in writing, so I could have a paper trail. They stopped calling, but never sent me anything ; however, my bills continued to grow and accrue new fees and interest. In XXXX XXXX XXXX, I submitted a complaint through the XXXX  website with this information and requested that these wrongful fees be removed, that I receive clarification on the final amount I owe ( minus those fees ), for the derogatory remarks to be removed from my credit report, and for both accounts to be closed. 

Finally, on XX/XX/XXXX someone from Comenity thankfully finally responded to me by mail as I had been asking and fulfilled my request entirely. The wrongful fees were removed, the derogatory remarks were removed from my credit report, I was given an accurate payoff amount for my XXXX card ( the XXXX XXXX XXXX card was at {$0.00} ), and both accounts were closed. On XX/XX/XXXX, I paid the agreed upon amount and brought the account to {$0.00} and thought this was finally all over... 

Until I started receiving " Your account is past due '' emails again a couple of months later. As it turns out, Comenity had added ANOTHER {$2.00} " late fee '' to my paid off {$0.00} balance on my XXXX statement. This {$2.00} late fee has been accruing new fees and interest ever since. I sent a secure message to Comenity through my online account with them on XX/XX/XXXX asking them to make this right and decided to also go back to XXXX  since that helped to resolve things the first time around. Unfortunately, their response to me on XX/XX/XXXX by mail, and an even longer online response on XX/XX/XXXX that I just saw right now, is saying they can't remove these fees because " my account is closed ''. They are saying that if I don't pay the current balance ( consisting only of their fees ) of {$180.00}, that they will continue to tack on more interest and fees. 

I am very exhausted from dealing with Comenity. This dispute has been ongoing for almost XXXX years now and I just want it to end. I don't owe even a XXXX of this and am at a loss of what to do anymore. I just want them out of my life.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-08 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: NY

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: FL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-02-08 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
After carefully accessing my credit report I noticed credit Inquiries I have never authorized. 

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 non-monetary relief
Consumer complaint received 2024-02-08 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: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: Duvera Billing Services, LLC
State: FL

Complaint narrative:
I am in the process of trying to get a home and these negative items are significantly affecting my credit report and hindering me from getting a preapproval to have a secured place for me and my XXXX children this is a URGENT REQUEST. My home has mold and we are being exposed we are in need of a new place immediately. I have sent multiple letters to get these negative items off my report and they have failed to do so. I am in a health emergency please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: Westcreek Financial
State: FL

Complaint narrative:
I am in the process of trying to get a home and these negative items are significantly affecting my credit report and hindering me from getting a preapproval to have a secured place for me and my XXXX children this is a URGENT REQUEST. My home has mold and we are being exposed we are in need of a new place immediately. I have sent multiple letters to get these negative items off my report and they have failed to do so. I am in a health emergency please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
On Monday XXXX XXXX XXXX I contacted COLUMBIA DEBT RECOVERY LLC DBA GENESIS on a recorded line, to set up a payment plan for the outstanding balance XXXX owed to a previous XXXX XXXX XXXX This was supposed to be paid off by XXXX XXXX but I have no update from them about assistance with this. I contacted Genesis to set up a payment plan as this is now affecting my credit and ability to find a new home. When I attempted to ask if I can begin the payment plan on a specific date, the representative XXXX XXXX began to get very confrontational and rude in his response. He told me that I had no room to make any decisions at this point. In the midst of this, he began to speak over me and scream that I need to pay. He also stated either youre going to pay us or were going to come after you. I simply informed him his demeanor was very unprofessional and he did not need to yell and be disrespectful in the way that he was presenting himself. This entire interaction was very uncomfortable from beginning to end, and when I asked to speak to another representative he stated in a very hostile manner that there was no one else to speak to. I called on my own regard to begin taking care of this debt, so for XXXX XXXX to be so combative and argumentative was completely unnecessary. I would like to see some type of action take place because this is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I am part of the XXXX XXXX XXXX lawsuit and settlement I went to XXXX online XXXX XXXX Case # XXXX I have only had {$9200.00} discharged when in fact I should have {$20000.00} discharged if you actually look at my case you will see the loans. I also have not been refunded the payments I made on these loans You are a member of this group if you are a Class Member who submitted a XXXX XXXX application relating to a school or schools on this list ( often referred to as the Exhibit C list ). If you are in this group, then on or before XX/XX/2024, you will have the outstanding loans that were the subject of your application fully discharged, will receive refunds of any amounts you previously paid to the federal government toward those loans, and will have the credit tradeline associated with those loans deleted from your credit report ( Full Settlement Relief ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
On XX/XX/2024 I received a letter via paper mail from a Midland Credit Management Inc. stating that I owe them money for a credit card debt for the amount of {$670.00}. Here is the text verbatim from the matter : Dear XXXX, Midland Credit Management , inc. has made several attempts to contact you regarding this account. MCM is now considering forwarding your account to an attorney in your state for possible litigation. Upon receipt of this notice, please pay at MidlandCredit.com or call XXXX to discuss your options. 

Additional : if we dont hear from you or receive payment by XX/XX/2024, we may proceed with forwarding this account to an attorney.

To the best of my knowledge however, I have not received any communications for the alleged debt nor have I received any communications regarding a third party, in this case MCM, buying my debt to the credit card company and that I now owed them instead.

I believe my consumer rights have been infringed upon by Midland Credit Management by them failing to properly contact me and in turn I contact them back to verify this debt.

After doing a small bit of online searching I read multiple stories via XXXX and other sites including CFPB about shady practices and debt collections from this company. I do not want to contact them as I think I could be tricked into verifying a debt as mine when it may not be the case.

Ill provide any other information as requested, via email to begin.

Thank you for taking the time to go over this with me XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JP Morgan Chase processed and cashed a forged and fraudulent check issued against my companies bank account with XXXX XXXX XXXX  in the amount of {XXXX on or about XX/XX/year>. 
JP Morgan Chase was notified by our local bank XXXX XXXX XXXX  in writing on or about XX/XX/year> after failing to respond to multiple phone inquiries. 
To date, JP Morgan Chase has refused to respond to peoples South or local authorities regarding the fraudulent transaction or take any corrective action. Nor have they refunded the funds as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Inquiry has been reporting since XX/XX/2024. Please delete. Did not authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: NC

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BYE ME.

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 2024-02-08 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: FL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief