vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have victim of a misrepresentation of some kind, someone open an account on the bellow company, never made a payment and a year later was when I realized it. 
XXXX XXXX XXXX Account XXXX. 
XXXX. XX/XX/XXXX XXXX POTENTIALLY NEGATIVE MONTHS Account charged off. {$8500.00} written off. {$8500.00} past due as of XX/XX/XXXX. 
I called the company they told me that they will take care that, no need for any other steps from my part. But never got resolved. Now I disputing this with the Credit Bureau to removed this as soon as posible. 
Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I am resubmitting this complaint to KIA FINANCE AMERICA regarding the presence of fraudulent accounts on my credit report. Despite previously filing an FTC report with the identity theft report number XXXX, I have observed that this fraudulent account persist on my credit report. I had hoped to rely on KIA FINANCE AMERICA to safeguard my information and to report accurate credit reports. Unfortunately, my credit report continues to contain multiple inaccuracies, including erroneous balances, dates of late payments, payment statuses, dates of last payments, and violations under FCRA policy and CFPB rules, particularly concerning on this account. 
To support my case, I have once again attached the FTC report along with a detailed letter of explanation outlining the reasons this account should be rectified or removed from my files. I appreciate your prompt attention to this matter and trust that KIA FINANCE AMERICA will take the necessary steps to address and rectify these inaccuracies promptly.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unlawful and unethical practices related to their smart home service. I am deeply concerned about the negative impact on my credit report due to XXXX XXXX XXXXXXXX XXXX actions, which have resulted in significant financial and reputational harm.

Unauthorized Credit Reporting : I subscribed to XXXX XXXX XXXX XXXX smart home service with the understanding that they would not report my payments to credit bureaus without my knowledge or consent. However, I discovered that XXXX XXXX XXXX had reported my payments without providing any prior notice, violating my rights as a consumer.

Delay in Cancellation and Late Payments : On multiple occasions, when attempting to cancel the service, XXXX XXXX XXXX deliberately delayed the cancellation process. This resulted in my credit report reflecting late payments of XXXX XXXX, and XXXX  days, severely damaging my credit score. Such actions were not only unethical but also in direct violation of consumer protection laws.

Credit Reporting Blackmail : To rectify the credit reporting issues caused by their own actions, XXXX XXXX XXXX demanded payment in full of the system. They explicitly stated that if I paid the outstanding amount, they would delete the account from my credit report. This amounts to credit reporting blackmail and is a clear violation of fair business practices.

Incomplete Deletion from Credit Report : While XXXX XXXX XXXX has claimed to delete the account from some credit reports, it still appears on my Transunion credit report. Despite numerous disputes, Transunion has failed to investigate and correct the inaccuracies.

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 2024-01-19 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: IN

Complaint narrative:
I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: IL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Comenity Bank has continued to contact me after I told 2 representatives that I obtained an attorney for Bankruptcy. I provided the name of the attorney and where the attorney was located. The 2nd representative even laughed at me during the call. They continue to call me in a manner that violates the FDCPA. I have screen shots of back to back phone calls. I also have saved voice-mails of where they have duplicated leaving voice-mails on the same phone number more than once a day which is also a violation of the FDCPA. All of these issues above are clear violations and they should be notified of such. I did not dodge them, I told them I was filing bankruptcy and the attorney information I had at the time. I have stopped answering there calls because at this moment there is nothing else to say. The first call I informed them of the BK filing was on a call where they called me at work and I also requested they no longer called my workplace which as of now they have not. I decided to go ahead and file this complaint because today from XXXX to XXXX I have received 4 phone calls from them all from the same number. They left one voice-mail today so far but I have two voice-mail messages from them on XX/XX/16 and have saved them from past days where they were again duplicated. They need to stop and contact my attorney as all regulations tell them to do in the first place. I am one of thousands if not millions of customers they have so how many people are they doing this to every day?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
An account was created with my information that is fraudulent and in result lead to collections. What I was able to gather from the collections agency is that this account is for XXXX XXXX and was created XX/XX/. The email address, home address, phone number that was associated with XXXX XXXX is fraud and never owned by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: KS

Complaint narrative:
I decided to return to school part-time ( XXXX XXXX XXXX ), starting XXXX XXXX. On XX/XX/XXXX, I sent MOHELA a secured message to notify them of this and to NOT put my account on in-school forbearance. On XX/XX/XXXX, they did the exact opposite and put my account on in-school forbearance. I have sent them additional secure messages but they refuse to respond or remove the in-school forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
They had me purchase a protection plan that would repay me for repairs but it never happened instead I could not even get the information of who to call. This was with One Main Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: MD

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-01-19 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: GA

Complaint narrative:
Specialized property management have unlawfully taken action against my credit for a claim that was approved and already paid to them from XXXX XXXX. I have agreed with XXXX XXXX  to pay cleaning claim of a property rented. XXXX approved the claim for cleaning to XXXX of {$400.00}. Based off my documentation, pictures and videos.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: DC

Complaint narrative:
Two factor authentication not effective. 
I checked my spam folder and resubmitted inquiry to getting my two factor code, their system is not equipped to handle processing important financial information in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I tried to move. When they pull my report they told me I had {$1000.00} debit on my credit report. I called the company they couldn't explain and couldn't find notes. I called the agency at the time. They couldn't explain. I disputed through my credit report and they removed it. 2 months later they put it back under a different agency. I've had issues since then. This bill is not accurate. There is no way they would allow someone not to pay and they still have service. On one call they said I didn't return equipment. I found a receipt that shows I did in fact return equipment. Please help me. This is NOT accurate and it's wrong of them to keep reporting this year ' after year. I don't know what todo. No cable company is going to let you keep service month after month with out you paying your bill, but they are telling me. That's what this is and equipment fees. When I asked for an itemized bill. It started with {$300.00} something dollars ( no explanation ) then continued to add charges from there. Things that I wasn't suppose to be charged for was on there. I'm told they can't see the notes but I'm expected to just pay it. This is not right. I had not had service for 5 or 6 years when they put this on my report put the blue. I think it's wrong they couldn't get the notes and details buy they have a balance that doesn't make sense.

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 2024-01-19 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: 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 rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 USC 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2024-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management filed a lawsuit that stating that I owe {$2000.00} stemming from XXXX XXXX in XXXX. I went to court to advise this was not me they requested a fraud investigation. I filed information and mailed copies to firm. I still was notified to come back to court on XX/XX/XXXX @ XXXX where I will present my documents to the judge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax state of breach. I want these items deleted from my credit report immediately. I am attaching proof that Equifax has admitted that I was victim of this state of breach and Equifax has done nothing. 

Please help me delete these illegal items for my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was notified that are info was released accidently by a firm we did business with in the past. I then put a freeze immediately at XXXX and XXXX. Now my last one Equifax says that their system is down try later. I tried fir several days and nothing. Then I starting getting fake robo calls that a code I requested was coming in followed by a code. I hung up on this several times 10 to be exact. To me it seems suspicious that equifaxs system is always down and then I got these calls. I believe that they are scaring consumers so that they will sign up for credit protection services, rather than allowing consumers to freeze their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: Progrexion Holdings, Inc.
State: NY

Complaint narrative:
credit.com registered an account using my identity without permission, set up a payment method without my consent, and was on the verge of charging me exorbitant monthly fees for their services if I hadn't caught it. I had to visit credit.com, click on 'forgot password ' as I never signed up there originally, create a new password, access my account, and find how to switch the plan to basic which doesn't require any payments.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: IN

Complaint narrative:
XXXX XXXX XXXXXXXX, {$300.00} A close account can not be state a past due XXXX  XXXX, {$180.00} Account # XXXX A close account can not be state as past due XXXX XXXX XXXX {$1400.00} Account # : XXXX A close account can not be state a past due XXXX, {$380.00} Account # : 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 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year> my debit card was stolen around XXXXXXXX XXXX. in XXXX and a few hours later at around XXXXXXXX XXXX. someone withdrew {$600.00} from my bank account at a Chase ATM located at XXXX XXXX XXXX ( I also bank with Chase ) with 2 separate transactions one for {$500.00} and {$100.00}. 
I received a text alert immediately asking if these transactions were valid and I immediately declined them, however they were still able to withdraw the funds. 
I contacted Chase immediately and the opened a case where I submitted my location at the time, and proof that i declined the charges and other support. However they still found me liable for the unauthorized charges. 
I am unsure how the person ( s ) withdrew funds without by PIN, or how it was stolen from me, but I did not authorize any withdrawals. 
I asked them to show footage from the ATM to clearly see it was not me, however they declined to do so, even though it was their own companies ATM at a Chase branch with surveillance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-19 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: NY

Complaint narrative:
I have information that does not belong to me in my report and it is harming me, I want it to be removed from my history. 



XXXXXXXX XXXX XXXXXXXX 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