vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 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: MA

Complaint narrative:
Upon revievieweing my credit report, I have identified the following item ( s ) that contain inaccuracies XXXX. The following personal information is incorrect Reported names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Addresses : XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXXThe following personal information is incorrect Employment info : XXXX XXXX XXXX XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please REMOVE it from my credit report 5.The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Please REMOVE it from my credit report 6.The following account is not mine XXXX XXXX XXXXXXXX Account Number XXXX XXXX Please REMOVE it from my credit report 7.The following account is not mine XXXX XXXX Account Number : XXXX Please REMOVE it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bepensa Capital, Inc.
State: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX approved me to finance a XXXX XXXX XXXX XXXX in XXXX, 2 weeks later they took the car back saying I wasn't approved for the loan and I need to put it in someone else 's name, my wife tried to CO-SIGN, but wasn't allowed to due to a prior XXXX  XXXX, filing, but the Sales Rep XXXX said he could put it in her name, as the car was comfortably {$420.00} per month, due to the bankruptcy, in her name, it went to {$680.00} per month,, 2 weeks after that, the finance companies wrote me letters ( XXXX XXXX ) Iwas approved for {$13000.00}, then the amount of the car, even with {$6000.00} down payment, half the car How on earth can we still owe, {$16000.00} on this car almost 4 years later? Something isn't right, this company is in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: AR

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX To : Continental Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX RE : Disputed Account - Notice to Furnisher XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : 1. Close the unauthorized account 2. Remove any charges on the unauthorized account, and 3. Take steps to remove information about this account from my credit file I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy o
f the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions. 
Email Me XXXX XXXX XXXXXXXX ) OR send to the address above. I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX Enclosures : a. FTC Identity Theft Report b. Proof Of Identity c. Notice Of Furnishers Of Information

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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX / XXXX ACCT. NUMBER XXXX DATA BREACH, IDENTITY THEFT

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 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am writing to CFPB regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am formally requesting validation of the alleged debt you claim I owe.

In order to comply with federal law, please provide the following documentation : 1. Proof of Ownership : A signed contract or agreement with my signature that verifies I owe this debt to your company or the original creditor.

2. Chain of Custody : Documentation showing the transfer or assignment of the debt from the original creditor to your agency, confirming that you have the legal right to collect this debt.

3. Itemized Breakdown : A complete and itemized statement of the alleged debt, including the original amount, any fees or interest applied, and the current balance.

4. Original Creditor Information : Complete contact information for the original creditor, along with a copy of any billing statements or other communications sent by them.

5. Proof of Compliance with State Laws : Any documentation verifying that you are licensed to collect debts in my state of residence and that the statute of limitations for collecting this debt has not expired.

6. Reporting to Credit Bureaus : Documentation showing that the debt has been reported accurately to any credit reporting agencies, including the dates of reporting and any disputes noted. 

By law, you are required to cease all collection activities and communication with me until you provide all of the requested information. I await your response. 

Please note, any failure to provide sufficient validation within the legally required time frame will result in your claim being considered invalid, and I will demand that you remove all references to this alleged debt from my credit report with all major credit bureaus ( XXXX, XXXX, and 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 2024-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I want all these hard inquiries remove I did not authorize to run my credit its fraudulent. The companies are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I want all these hard inquiries remove I did not authorize to run my credit its fraudulent. The companies are 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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX ACCT. XXXX XXXX DATA BREACH, IDENTITY THEFT

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 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: AR

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Seventh Avenue XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Disputed Account - Notice to Furnisher Ref # XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : XXXX. Close the unauthorized account XXXX. Remove any charges on the unauthorized account, and XXXX. Take steps to remove information about this account from my credit file I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. 

Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).

I ask that you take these steps as soon as possible 1. Close the unauthorized account 2. Remove any charges on the unauthorized account, and 3. Take steps to remove information about this account from my credit files.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions. Email Me @ ( XXXX ) XXXX send to the address above. I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account. 

Sincerely, XXXX XXXX Enclosures : a. FTC Identity Theft Report b. Proof Of Identity c. Notice Of Furnishers Of Information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JMC Leasing Specialties, LLC
State: IL

Complaint narrative:
I am filing this complaint against JMC Leasing Specialties , LLC regarding illegal garnishment actions initiated against me in connection with a repossession. The company violated federal law by garnishing my wages/funds without proper notice or due process. 

Key Violations : Failure to Provide Notice : JMC Leasing Specialties , LLC failed to send me prior written notice regarding their intent to garnish, as required by federal law, including 15 U.S. Code 1692 ( Fair Debt Collection Practices Act ) and applicable state laws.

Improper Garnishment Process : No documentation or legal basis for the garnishment was provided, violating 31 U.S. Code 3718, which governs debt collection practices, including repossession-related actions. 

Lack of Transparency : The company did not provide a breakdown of the alleged debt, including the original balance, interest, fees, or other charges, leaving me unable to verify or dispute the claim.

Impact on Me : The illegal garnishment has caused : Financial hardship, as funds were taken from my account without notice. 
Emotional distress due to the companys failure to follow legal procedures and respect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I rcvd a new phone ( same phone number ) Had to install all my apps including Afterpay app. I went to get into it and I couldn't remember password so I clicked re set password. Said it will send me access code to phone. We'll it never sends me a code and when I click to say I never rcvd it then it says I entered code wrong and I'm locked out. I've been several emails and I still can't get in to make my payments. Now I'm late. I've asked if someone could call me but I only get another generic email. I talk to my cel phone company and I'm fine on my end. I did receive access codes from my other apps by the way fine. I'm afraid I'll never be able to get In to make any payments and it will ruin my good credit. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts XXXX XXXX XXXX XXXX, an auto loan account opened at XXXX XXXX XXXX and XXXX XXXX XXXX also student loans with XXXX XXXX under multiple account numbers, and a collections account opened at XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: Nelnet, Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts XXXX XXXX XXXX XXXX, an auto loan account opened at XXXX XXXX XXXX and XXXX XXXX XXXX also student loans with Dept Nelnet under multiple account numbers, and a collections account opened at XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: Global Lending Services LLC
State: NC

Complaint narrative:
On XXXX XXXX XXXX XXXX ran my credit report many times affecting my credit score without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: RI

Complaint narrative:
Account Name : XXXX Account # : XXXX, XXXX, & XXXX Dispute Reason : Inaccuracy, do not own, asked for verification was not received Dispute Instructions : Please delete immediately Account Name : Bounce AI inc Account # : XXXX Dispute Reason : lack verification of debt, inaccuracies, do not own Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX & XXXX Please delete all of this immediately Under the Fair Credit Reporting Act, 15 USC 1681G I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( 1 ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 USC 1681i all unverified accounts must be promptly deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX acct # XXXX XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

I sent a letter on XX/XX/year>, asking them to reinvestigate XXXX XXXX XXXX acct # XXXX I got the investigation back, but nothing was updated or modified. 

So I requested a description of the reinvestigation and they did not provide me with one which is a violation of 15 USC 1681 i ( 7 ).

They also violated 15 USC 1681 i ( 5 ).

Please look into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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 a victim of identity theft, and several accounts were fraudulently opened in my name. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request the immediate removal of the following accounts from my Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These six accounts are fraudulent and must be removed. Please ensure compliance with FCRA 605B and confirm the resolution of this matter.

Specifically, I want 6 accounts removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion has failed to follow the guidelines of the FCRA. This is my third and Final Attempt Please remove the inaccurate information oof of my account XXXX account which has inconsistencies with all three credit bureaus please see attached proof documentation of the inaccuracies which I demand to be removed!!!!

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 2024-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
i have no recollection of this debt source receivables. please remove this from account XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1692 c If a consumer notify a debt that the consumer refuses to pay a debt the debt collector must cease all communication.

Company response to consumer: Closed with explanation