vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
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 XXXX 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. Please see attached file for these items I am complaining.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
KOHL/ CAPITAL ONE IS REPORTING OUT OF STATUE OF LIMITATIONS THE ACCOUNT WAS LAST PAID XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
midland funding is attempting to collect on a debt that has a last date of activity of XX/XX/2017. This against federal law according to the FCRA and threaten to take legal actions is also against FDPCA LAWS, THIS DEBT IS OVER 10 YEARS OLD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Hello Gold man Sachs is trying to knock off Apple card customer Now, I had a payment to be paid by XX/XX/XXXX and one that is current due for XXXX Statement on XX/XX/XXXX, I made both payments on XX/XX/XXXX but posted on XX/XX/XXXX, however If it was posted on XX/XX/XXXX or XX/XX/XXXX it is not past due XXXX nor delinquent since XXXX month is XXXX  days and technically if it was normal month I would be paid in the XXXX day of it I reached out to Apple customer service and they informed me that this is was their mistake reporting and will rectify it, they confirmed it by message below and by phone call XXXX reported me paying XXXX and XXXX overlapping XXXX, which ironically XXXX statement will be issued by the end of the month as their due date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: GA

Complaint narrative:
I quit my job on XX/XX/year>. I have a high-deductible health insurance plan with an associated HSA account . I opted to set up COBRA for health insurance, which allows me to continue contributing to my HSA plan. I set up my COBRA account, and a new HSA account was associated with the COBRA health plan. New HSA debit cards were issued, and this process took several weeks. 

On XX/XX/year>, I received an email from my old company stating that an audit had shown that they had missed crediting me with a payment to my HSA account. They said they would work with the custodial bank ( UMB ) holding my account to temporarily release it back to the company to fix the issue. Their fix involved marking me as an employee, which automatically closed my new UMB HSA account, canceled my newly received UMB HSA Debit cards and transferred money to another UMB account. This happened without UMB bank notifying me or requesting my ok or permission. This canceled tUMB HSA Debit cards, which I was just issued, were declined at the pharmacy and my doctor 's office. This is what caught my attention. When I called the UMB Bank they said the account was closed and I needed to speak the 3rd party administrator - XXXX XXXX - since they were the ones that closed the account. 

When I talked with XXXX XXXX, they blamed the HR department of my old company, saying they reactivated me as an employee, which caused the cascade of events. I can't even get reimbursed online because I no longer have the XXXX debit card associated with the account. I cut it up once I received my new UMB HSA debit card. 

So here I am, having to pay out of pocket for my medical expenses while XXXX, UMB Bank, and my former employer all point fingers at one another. This is a horrible way to treat someone when it comes to their own hard-earned money. There is very little recourse for me except to wait for it to be straightened out, but it only took them 1 day to snatch my access. This is not right or fair. My former employer was trying to do the right thing but they should have never been allowed to access my account once I quit the company. XXXX and UMB Bank should have recognized that I was their customer not my former employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are several addresses on my report which is incorrect also employer which is inaccurate please remove all old information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: FL

Complaint narrative:
Account name XXXX Account number XXXX Account name XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX No payment history is recorded under my Transunion report but yet reported on my XXXX and XXXX. 

This is being report inaccurate on my XXXX and XXXX credit report. It shows up on XXXX out of XXXX. XXXX does not show payment history on my credit report. This is an violation of the Fair Credit Report Act. Per US Code 1681 Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
1 ) on XX/XX/XXXX American Express was sent a registered security for {$2000.00} USPS TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX 2 ) ON XX/XX/XXXX another registered security was sent in the form a negotiable instrument for over {$3000.00} USPS tracking number # XXXX per American express own policy A NEGOTIABLE INSTRUMENT IS AN ACCEPTABLE FORM OF PAYMENT per AMERICAN EXPRESS statement page 2.. copied below in quotes " Payment : Your payment must be sent to the payment address shown on your statement and must be received by XXXX XXXX local time at that address to be credited as of the day it is received. Payments we receive after XXXX XXXX will not be credited to your Account until the next day. Payments must also : ( 1 ) include the remittance coupon from your statement ; ( 2 ) be made with a single check drawn on a US bank and payable in US dollars, OR WITH A NEGOTIABLE INSTRUMENT PAYABLE in US dollars and clearable through the US banking system ; and ( 3 ) include your Account number. '' A negotiable instrument is LAWFUL form of payment see ( 31 CFR 328.5, 31 CFR 328.6, 31 CFR 328.7 ) the first ( 1st ) security/ negotiable instrument was sent to american express ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX the notice, ( which was not mailed to me ) below is the notice received on XX/XX/XXXX from American Express declining my negotiable instrument and NOT returning my registered security which would qualify as securities fraud. 


Account Ending In : XXXX Dear XXXX XXXX, You recently contacted us regarding a payment of {$2000.00} for your above referenced account. 
We recently received an American Express payment coupon ( s ) which appears to have been modified to be used as a payment instrument ( s ).

We can not honor a payment coupon ( s ) as form of payment for the above referenced account. In order to submit valid payment ( s ), it must be sent by one of the accepted forms of payment to us as stated in your Cardmember Agreement and/or the back of your statement regarding payment methods. 

If you have any other concern, please contact our Customer Service Representative at the toll-free telephone number at the back of your card. 

We have reviewed your account for any effect this has had on interest charges, delinquency, late payment fees, over-limit fees, returned check fees, stop payment fees, rebates or Membership Rewards points and have made adjustments, if necessary. 

While we investigated this inquiry you were not responsible for paying the amount of {$2000.00} under review. Since this concludes our investigation we have reapplied the amount under review to your account and it will appear on an upcoming statement. 


Thank you for your understanding in the matter. 

Thank you for your Card Membership. 

Sincerely, American Express Customer Care Dispute Reference Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: IN

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 non-monetary relief
Consumer complaint received 2024-03-25 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: SettlementOne Valuation, LLC
State: CA

Complaint narrative:
Consumer Financial Protection Bureau, I hope your day has been great, and I'm happy there will be some justice with this matter after you get a hold of it. 

Unauthorized Hard Inquiries Credit Technology - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: TX

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.

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 2024-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: FL

Complaint narrative:
Theres some unauthorized hard inquiries on my credit report that I dont recognize. I never made any inquiries with those businesses. They did not get my permission to look at my credit. The credit bureaus violated my right and shared my credit information with those businesses. I contact the credit bureaus to try to dispute it, but they were not willing to help me. They violated the 15 U.S. Code 1679c - Disclosures

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I insist on the removal of this late payment from my account as it does not accurately reflect my payment history. I have consistently made on-time payments, and it is unjust to be penalized with this erroneous entry. I urge you to update my account without delay.

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 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: LA

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. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
I had XXXX student loan accounts with the department of education ( Creditor ) Aidvantage which both are paid in full. I took a look @ my credit report they are both open unpaid accounts but in good standings for payment. So when I contacted the Department of Education I was ask to send in paperwork to ( Aidvantage creditor ) through the US Department of Education, of receipts, statements or whatever I had to support my claim.I did that. Then I received an email of how much payment I have to pay. Said I was behind after proof I wasn't. Never processed it. Then when I contacted all XXXX credit bureaus, The have sided with the Department of Education they have not taken it off

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am writing to formally dispute account numbers XXXX and contest the actions of PORTFOLIO RECOVERY relation to their collection activities towards me. I have reason to believe that their practices are in violation of my consumer rights under various laws and regulations. 

I hereby declare that I dispute owing any and all debts to PORTFOLIO RECOVERY and request immediate validation of the alleged debt in question. Furthermore, I demand the purchase agreement between PORTFOLIO RECOVERY and the original creditor pertaining to the said debt. 

It has come to my attention that PORTFOLIO RECOVERY has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) and yet has proceeded to report the collection on my consumer report. Additionally, I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( C ).

Moreover, I assert that PORTFOLIO RECOVERY is violating my consumer rights through the use of false, misleading, and deceptive means in their collection practices. Their unauthorized furnishing of accounts to consumer reporting agencies without complying with necessary legal disclosures is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 27 ( A ). 

In light of these violations and discrepancies, I am formally revoking all rights of PORTFOLIO RECOVERY to communicate with me via email, text, or phone calls. Henceforth, I request that all communication be ceased immediately. 

Furthermore, I request that PORTFOLIO RECOVERY provides proof of being licensed and bonded as required by law. This information is crucial for ensuring compliance with regulations and validating their authority to engage in debt collection activities. 

I kindly ask the Consumer Financial Protection Bureau to investigate these matters and take appropriate actions to address the violations committed by PORTFOLIO RECOVERY. Your prompt attention to this matter is greatly appreciated. 

Thank you for your assistance in resolving this dispute. I look forward to a swift resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: IN

Complaint narrative:
I had XXXX XXXX loan accounts with the department of education ( Creditor ) XXXX which both are paid in full. I took a look @ my credit report they are both open unpaid accounts but in good standings for payment. So when I contacted the Department of Education I was ask to send in paperwork to ( XXXX creditor ) through the US Department of Education, of receipts, statements or whatever I had to support my claim.I did that. Then I received an email of how much payment I have to pay. Said I was behind after proof I wasn't. Never processed it. Then when I contacted all XXXX credit bureaus, The have sided with the Department of Education they have not taken it off

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 2024-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
A family member was served paperwork at an address I do not reside at for a lawsuit for credit collection. In addition to several XXXX calls over the last 2 years even after explicitly being asked no longer to contact me as this debt does not belong to me. In the paperwork provided to my family member they have listed XXXX old addresses that I currently do not reside at, and an incorrect name for me as I have XXXX last names. In the original mailing to me there was a third address listed in the state of Florida. None of the XXXX I reside at. I have called there attorneys office to settle this matter however they are not willing to hear through the discrepancies and are demanding this will be a judgement filed against me regardless of what agreement me reach. This is not acceptable.

Company response to consumer: Closed with explanation