vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 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: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
Had multiple issues with XXXX, cellular service, and being overcharged monthly on my bill after a year of complaining and having to constantly review the statement and balance, I changed carriers to XXXX XXXX XXXX and paid off every outstanding balance with XXXX. They processed the final bill of {$160.00}. I called sprint immediately and disputed it. They told me it was an error on their behalf and they would take care of it. I was a sprint customer for over 12 years and never paid a bill late or had a balance, XXXX was sold to XXXX after the sale went through I received a bill again of {$160.00} which I disputed immediately. This has been going on for over XXXX years now Jefferson capital systems has put this into collections on my credit report. I would like full documentation of the final bill With all credits and the outstanding balance that is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: NY

Complaint narrative:
This is about Chase Bank refusing to credit a claim in the amount of {$540.00} ( or {$270.00} x XXXX. ) I purchased 2 XXXX for services at a merchant, XXXX Fix. It is clearly stated in the fine print that if you are not eligible for the services, you will be refunded. I called XXXX and they said I was not eligible because I had been seen at another location previously. I was told by a XXXX XXXX in a chat that my account had been credited. It was not. I filed a claim with XXXX. They initially credited my account, then took away, then credited, then deducted again. 
This is simple, not complicated. Beauty Fix can not return as they do not have and never saw the vouchers or any money. XXXX does not have as they say they credited my account. Yet, XXXX has debited my account! 
I can not put any more time into this. I'm exhausted from trying to explain Please assist. 
Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: 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. 

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
As of XX/XX/XXXX, noted there was a change to my personal profile on Capital One site. Primary name is now reported as XXXX XXXX XXXX instead of XXXX XXXX XXXX. I called XXXX XX/XX/XXXX and was advised the name change is due to creditor reporting. Capital One is the only credit card reporting this change. XXXX advised me to contact Capital One. When I called Capital One, I was advised XXXX is the reporting agency that is causing the change. I advised I would contact CFPB as I am getting nowhere with either entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have an account on my credit report that is closed and shown as charged off with a balance due of {$13000.00}. This is by XXXX XXXX XXXX XXXX Per XXXX XXXX, my account was issued a XXXX for debt cancellation, but the account balance still shows {$13000.00}. It has not been updated to {$0.00}. XXXX XXXX XXXX XXXX not let me settle the account balance with them as they have already issued a XXXX, and they still will not update my balance to {$0.00}. So I am stuck here with no other options! As of XX/XX/2024, the balance on my credit report still shows {$13000.00}. I have also filed disputes against this with all XXXX credit reporting agencies still yet to hear back. XXXX did get back to me ( XXXX ) but did not actually resolve anything. That is why I am escalating this to CFPB to step in to help me get this resolved. I can not apply for mortgages as it still shows a balance and causing my credit utilization ratio to go over 70 % due to such a high of a balance, and I can not resolve this with the company either as they already issued me a XXXX. 

I have attached my credit report for reference and I also did file a complaint with XXXX XXXX XXXX XXXX well but I want this fixed on my credit reports as well.

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 2024-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity bank/victoria secret is reporting an alleged debt on my consumer reports however, when I ask for proof by sending me the credit card agreement / truth in lending disclosures bearing my signature they deny it. This clearly means that they are violating federal laws as they can not prove that the debt belongs to me. Both the Fair Debt Collection Practices Act and Fair Credit Reporting Act are being violated by this company. Additionally I asked for an authenticated record of the account and a copy of the right to opt out disclosures and I have yet to receive a favorable response ( i did not receive a response ). This is a huge violation of my right to financial privacy of my nonpublic information. I also requested other things, please see attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
This account is identity theft and does not belong to 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 explanation
Consumer complaint received 2024-03-26 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:
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: 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:XXXXXXXX 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 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I tried to withdraw XXXX from XXXX in XXXX ATM. It gave me no money/ I even tried the machine next to it. It only gave my card back. I went to the Wells ATM in XXXX. The machine told me I was at my daily limit. I called XXXX and was told to contact Wells and file a claim. Which I did and they put the money back in my account. A month later I received a letter telling me they would be taking the money back. They have given me money and taken it back twice so far. The Asst.Manger investigation. XXXX Asst. Manager promised to do her own investigation. the time and video proved I did not receive money and their machine was over XXXX About a few days later she called and told me that she found the money when she looked at the right time and wrote me a letter to hand carry to Wells. Since then Wells has given and taken back XXXX twice. I've talk with so many people. I've had Wells customer service hang up in my face. I'm a XXXX veteran and a XXXX  on a fixed income. I can't afford to give away {$1000.00}. Please help 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 monetary relief
Consumer complaint received 2024-03-26 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:
I reviewed my consumer reports and noticed that I had XXXX late payments on my account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside the complaint in on dates of ( XXXX ) & ( XX/XX/year> ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see attached screenshot attached.

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 2024-03-26 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: TX

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it 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 explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Southern Auto Finance Co
State: FL

Complaint narrative:
Sacfo has not provided me with proper disclosures persuant to XXXX XXXX XXXX - XXXX of opt out notice to consumers ; opt out methods. 

I gave Safco clear requests to stop furnishing inaccurate information via recent complaints. Now that this company recognizes my cease and desist Safco still are not following the XXXX laws of the FDCPA & FCRA acts. Safco continue to affilate share my personal infromation on public servers, platforms, and websites. Other violation include : - Charge off accounts by law should be no income reported. A charge off is considered income by the IRS. Ive never received a XXXX company. Company received profits from account. 
- No transactions or experiences are allowed to be on the consumer report. 
- Income is forbidden to be on the consumer report pursuant to XXXX XXXX XXXX ( XXXX ) ( a ) ( i ) -A debt does not have to be paid to be removed from a credit report pursuant to Fair Credit Reporting Act XXXX XXXX XXXX. 

I have the right to recisson pursuant to XXXX XXXX XXXX. Before damaging my creditworthiness Safco should have taken first dispute as clear indication. 

- This is a charge off account by law there should be no income reported. A charge off is considered income by the IRS. Ive never received a XXXX you. You received profits from this account. 

-No transactions or experiences are allowed to be on the consumer report income is forbidden to be on the consumer report XXXX XXXX XXXX ( XXXX ) ( a ) ( i ) -A debt does not have to be paid to be removed from a credit report pursuant to Fair Credit Reporting Act XXXX XXXX XXXX XXXX 

Also I believe I was charged a XXXX XXXX forebidden by law. I have the right to arbitrary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

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 nephew, 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 XXXX 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.

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 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I received an email from Chase Bank stating my account could possibly be closed due to a fraudulent deposit, stating the names did not match. On XX/XX/XXXX I spoke with XXXX in the XXXX XXXX XXXX Department and he informed me after verifying the deposit in question of {$13000.00} from XXXX XXXX XXXX on XX/XX/XXXX that my account would not be restricted or closed. On Wednesday XX/XX/XXXX I was scheduled to have more deposits from my XXXX XXXX XXXX and other banking partners, unfortunately they did not post to my account. I called chase once again and was transferred to several departments with no resolve, just that my account would be closed in 10 days as fraud. I was then instructed to go into a branch to get more information regarding the closure an hopefully resolution, as my account transaction is not fraud. I went into a Chase branch in XXXX XXXX Texas, ( I was visiting my daughter ). I was assisted by XXXX who was very helpful and also confused as to why my account was restricted and set to close. She contacted the back office and they to were also confused, but after researching they found that my prior last name of XXXX had popped up on the deposit and that caused a red flag. I was married in XX/XX/XXXX and my last name is now XXXX, which has been changed since XX/XX/XXXX. I updated my name with Chase provided them with my marriage certificate, drivers license and signed new signature cards, my name was also changed with XXXX XXXX XXXX to reflect XXXX. While looking at my profile they found the branch failed to upload and attach my documents to my profile. We then uploaded my marriage certificate and drivers license. The next day I received all deposits they had previously rejected due to the restriction. My account remained in a positive standing and now today after writing a check to one of my other accounts I noticed Chase had debited my account via a check. I called and was transferred to 6 different departments, with no resolve. I explained that I do not want this to reflect negative on my business, but all they would say is they have the right to close my account with no explanation. At this point I no longer want to do business with Chase I just don't want a negative impact on my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-26 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: IL

Complaint narrative:
I am writing to follow up my previous dispute about inaccurate late payments appearing on my credit report associated with my auto loan account. According to my records, there are late payment remarks. However, these late payments are erroneous and do not reflect the accurate payment history of 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 explanation
Consumer complaint received 2024-03-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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