vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2023-11-10 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: AZ

Complaint narrative:
I have sent in all documents from letters, cease, and assist letters. They are violating the fair credit play neck, and the consumer protection act. Section 611 & 601

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 2023-11-10 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:
I notified Experian on XX/XX/2023 that I am a victim of identity theft and that my accounts have been compromised and tampered with by the identity thief. Experian responded via CFPB, complaint # XXXX after XX/XX/2023 stating the items were verified as accurate. There is no way the items can be verified as accurate because they are indeed a result of identity theft. The information is not accurate or complete. I am exercising my rights to a reinvestigation under the FCRA.

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 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX I noticed there were 5 fraudulent charges to my credit card : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6400.00} The only place I went that day was to costco for groceries and gas and went home. In the statement it said the charges were made in person in the same state, but I had my card on me so I assumed they were able to somehow clone a card. I called the bank the night the charges were posted and told them the information they needed and it was retracted while the claim was being processed. They closed that card, and provided me with a new credit card. 

Just recently the charges are back on my card and the bank is saying I am responsible for the charges because supposedly the people who used it used the chip? Which I told them was not possible at all because I've had my card on me the whole time. And they said people can't make clone cards with the chip but I was trying to tell them if that's the case, and if I had my card with me the whole time, then either someone is wrong about the people using the chip or someone was actually able to clone a card with the chip. They said they would resubmit the dispute but the tone seemed unassuring. I checked the " Dispute Tracker '' in my bank app and there is nothing under " Open Disputes '' and also nothing under " Recently-closed disputes ''.

I talked to another person and they suggested I call the places where the charges occurred to get any information that would help my case. 

I called XXXX first, and the manager told me he found it odd that I was calling because his bank had never called him about any fraud charges and he said that would be the process. I asked him if there was any information that I could get to submit to my bank and he said he legally couldn't give me any information, that my bank would have to contact his bank, then his bank would have to ask for any information that would help the case. The only thing he told me was a man and woman, which he had names for, were the ones that made the purchase and they used a card that had my information on it. That was as much information he could provide me. He asked if I knew those people and I told them I do not.

So then I wrote an email to the fraud department of why I was unable to obtain any information for the transaction, and what the manager said needed to be done for him to provide any information. In that email I asked if they had ever reached out to any of the businesses since the manager said he didn't get contacted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. These inaccuracies are not just a source of embarrassment ; they are actively sabotaging my efforts to secure the credit I rightfully deserve. We are both well aware of the laws mandating accurate credit reporting, and it is abundantly clear that the inclusion of such false information is either an oversight on your part or a gross mistake by the reporting creditor. XXXX XXXX. The company says I legally owe you money. I will PAY under one condition if you can provide. 1. Validation of the debt that is, the actual accounting. 2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I have been a victim of identity theft, and several fraudulent collections and accounts are reported on my credit report. I discovered the collection agencies and the creditors regarding these fraudulent accounts. I sent them the identity theft report that they requested from me from the FTC, and they never responded to me. I have informed XXXX XXXX XXXX XXXX XXXX XXXX that I never opened any accounts from them. Someone used my information to open a fraudulent account under my name without my permission, consent, and knowledge. I have requested the collection agencies, credit bureaus, and credit card companies to send me a record of the application filed with them when the account was opened, and not one of these parties could produce such a document. The collection agency recently sent me a statement of this account, which is not even mine. The information on the account does not match my data. The account 's address that was opened and where a card was sent to is entirely different from mine. I want these derogatory, fraudulent accounts removed from my credit bureau and never reported on my records. The collection company XXXX Cavalry Portfolio Services, a credit card company, XXXX XXXX, that is pursuing the collection of a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
Good evening, I was recently informed of the Servicemember Civil Relief Act as it pertains to Louisiana residents and my current auto loan falls under the jurisdiction of this Act. I have the proper documentation and it has already been emailed to you. Thank you for all of your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
On XX/XX/XXXX, I set up a payment plan with my Ally Credit Card for {$17.00} per month for 6 months until I am able to regain employment after losing my job on XX/XX/XXXX. The Customer Service representative confirmed my Bank Account information and we agreed the first installment would be taken out of my account on XX/XX/XXXX and this payment plan would NOT affect my credit report. On XX/XX/XXXX, I received an alert from XXXX there was a change in my credit score. When I verified this change, my credit score decreased by XXXX points! Ally stated my account was a month late which was incorrect. With further investigation I found out Ally never processed the first installment of my payment plan on XX/XX/XXXX as promised thus I immediately made that {$17.00} payment on XX/XX/XXXX. I expect this was not done intentional and it was an oversite/error on their part. It should be noted, once Ally bought out XXXX ( the previous Company of this credit card ) in XXXX, I could not gain access to my online account until the 3rd week in XXXX which has caused issues thru out those past months in setting up my online account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Previously I filed a fraud report with XXXX and CFPB concerning fraudulence on my credit reporting, complaint number XXXX, and XXXX. The company is Wayfair through Citi Bank ( CBNA ). I was not given information on who the card/account holder is, the card number they ( CBNA ) provided was not correct. Further more upon my own investigation into the matter I believe this is fraud of a family member fraudulently using my information. The bank and company have been negligent in this matter with no true justice nor real solutions in the matter. I will seek legal assistance in this matter as it is more than and beyond egregious to report fraud just for a company to be incompetent and negligent which is negatively impacting my credit report amongst other things.

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 2023-11-10 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2023-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am still being charged interest on my loans even though I am currently on the save plan with a $ XXXX monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SIMMONS FIRST NATIONAL CORPORATION
State: MO

Complaint narrative:
Several years ago, I opened XXXX XXXX XXXX XXXX accounts with Simmons Bank in XXXX, MO. After turning XXXX, the XXXX XXXX XXXX XXXX withdrew the balance from the account associated with her and closed the account. This didn't sit well with me, but I accepted that she was 18, believed that it was within the rules, and let it go without inquiry.

When I received my most recent bank statements last month on the remaining two accounts, I noticed that the balances had been withdrawn on XX/XX/XXXX and the accounts also closed. I stopped by a local Simmons branch ( XXXX ) to verify and inquire as to how this could have happened. I was the only XXXX on the accounts AND both XXXX, at XXXX and XXXX, are too XXXX  to even make withdrawals without my presence, let along close my accounts. ( Upon their request a couple months back I had mailed them both a check in the amount of the respective balances, but had decided to leave the accounts open with small balances for my personal use. ) The branch manager confirmed the withdrawals and closures, printed me out the withdrawal slips that had been signed, apologized, and confirmed that neither the withdrawals nor closures should have occurred. I left with mixed feelings about what to do. 

I texted my XXXX XXXX XXXX asking if she had signed the withdrawal slip that had her name on it. She replied that the question put her " in a tough spot '', and she didn't want to answer. From that, I assume that it is very possible their mother, my ex, may have even forged the signatures. It is my affirmed understanding, however, that neither the children nor their mother should have been able to accomplish transactions on these accounts. 

So, I reached out directly to Simmons Bank Customer Service and spoke with XXXX. XXXX confirmed that the transactions per bank policy should not have occurred and put me on hold while she contacted the XXXX XXXX, MO branch, the location of the transactions. She returned to the call and informed that the manager had gone for the day, but could contact me the following day. I replied that I felt too upset with this branch to speak to the manager and asked if she could be our go-between. She agreed, and agreed to call me back the next afternoon after speaking with the manager herself. As of yet, I have not received her callback.

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 2023-11-10 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: 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 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 2023-11-10 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 2023-11-10 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: MO

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 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 2023-11-10 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: MO

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 2023-11-10 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:
I notified Equifax on XX/XX/2023 that I am a victim of identity theft and that my accounts have been compromised and tampered with by the identity thief. Equifax responded via CFPB, complaint # XXXX on XX/XX/2023 stating the items were verified as accurate. There is no way the items can be verified as accurate because they are indeed a result of identity theft. The information is not accurate or complete. I am exercising my rights to a reinvestigation under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I recently viewed my report and i was shocked to learn that i have 2 accounts with this company i had no knowledge of. I have been a victim of identity theft. I have found numerous accounts on my credit report that were not open by me. These items has been hurting my credit because Im in the process of buying a home for my family. Please remove these fraudulent items from my credit report as soon as possible. 
ACCOUNT 1 : AMOUNT {$1100.00} ORIGINAL CREDITOR ; XXXX XXXX XXXX XXXX ACCOUNT 2 : AMOUNT {$750.00} ORIGINAL CRED : XXXX XXXX XXXX XXXX I HAVE ASKED THEM TO VERIFY INFORMATION AND SIGNATURE MY HAND SIGNATURE ON FILE. AND TO VERIFY I GAVE THEM PERMISSION TO HAVE MY INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: WI

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-10 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: PA

Complaint narrative:
This information on my credit about inquiries doesnt belong to me and I didnt know it was on my report.

Company response to consumer: Closed with explanation