vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: PENTAGON FEDERAL CREDIT UNION
State: MN

Complaint narrative:
In XX/XX/2023, I was approved for a credit card with PENFED Credit Union. After a couple of months went by, and once my cash advance kicked in, I started having trouble with my usernames and passwords being XXXX and keeping track of my current and recent transaction history by features that were being removed from my online account by the bank. These troubles would reoccur every single time I would try to log in and out of my online banking account. Because of these reoccurrences, I knew my account had been targeted for harassment. Once I was no longer able to log into my account or/and keep track of what I was spending, I would immediately contact the bank by online chat and try to convince them to replace the features back on my account so I could continue keeping track of my spending which they never did. I then would have to contact them about mechanical errors on my account for it being able to load important information on it. I would even have to reset my passwords constantly on the account because they were being XXXX on a regular basis. Once I got my password back to working a couple of times, there came a time when my cash advance had kicked in for quite a bit, and at that moment, I had discontinued using the card for a month or XXXX. As soon as I started using the card again, unauthorized charges started popping up on my purchase amounts. I was billed twice for XXXX XXXX with XXXX of them legit, and the other one was not. I then immediately called XXXX to resolve the issue but they could not do anything because the unauthorized transaction did not show on my XXXX account. I then knew the unauthorized charge was on the bank 's behalf and not XXXX 's because XXXX usually would refund the money right away, which in this case never happened. Otherwise, my account has now been XXXX and I can not do online banking or keep track of the unauthorized charge disputes and current balances. According to recent research, the PENFED Federal Union has been slapped with a {$5.00} XXXX dollar lawsuit for XXXX harassment, physical and mental abuse, and age discrimination by a former employee. The former employee happened to be a card fraud XXXX who had once served as a senior ATM network analyst. There have been many bad reviews and complaints with PENFED with the XXXX  and XXXX reviews. At this point,

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 2023-10-29 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: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I have reached out to XXXX in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is R.S. CLARK AND ASSOCIATES with no account number and a balance of {$260.00}. XXXX claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to XXXX seeking proof of this debt : XXXX XX/XX/, XX/XX/, XX/XX/, XXXXXXXX  and XX/XX/. XXXX continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to you regarding discrepancies I have found on my credit report. 

Account : XXXX XXXX Account # XXXX Why is this account being reported with 2 different dates of last activity?

15 USC 1692 g validation of debt This account is written off as a charge off. This account is ran as a charge off and I have not received a 1099c cancellation of debt form. This account is inaccurate and is being reported on my credit report. 
I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the account high balance and nor do I recognize the late payment associated with it everything reported here does not meet the FCRA. The negative item does not meet the FCRA reporting requirements. I do not understand why this item is being reported when I did not give written consent to share my information. 
This agency is in violation of 15 USC 1692g. they were also to notify me in writing 5 days prior, I was not notified.

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to you regarding discrepancies I have found on my credit report. 

Account : XXXX XXXX  Account # XXXX Why is this account being reported with 2 different dates of last activity? 
15 USC 1692 g validation of debt This account is written off as a charge off. This account is ran as a charge off and I have not received a 1099c cancellation of debt form. This account is inaccurate and is being reported on my credit report. 
I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the account high balance and nor do I recognize the late payment associated with it everything reported here does not meet the FCRA. The negative item does not meet the FCRA reporting requirements. I do not understand why this item is being reported when I did not give written consent to share my information. 
This agency is in violation of 15 USC 1692g. they were also to notify me in writing 5 days prior, I was not notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to you regarding discrepancies I have found on my credit report. 

Account : XXXX XXXX Account # XXXX Why is this account being reported with 2 different dates of last activity?

15 USC 1692 g validation of debt This account is written off as a charge off. This account is ran as a charge off and I have not received a 1099c cancellation of debt form. This account is inaccurate and is being reported on my credit report. 
I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the account high balance and nor do I recognize the late payment associated with it everything reported here does not meet the FCRA. The negative item does not meet the FCRA reporting requirements. I do not understand why this item is being reported when I did not give written consent to share my information. 
This agency is in violation of 15 USC 1692g. they were also to notify me in writing 5 days prior, I was not notified.

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 2023-10-29 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:
I submitted a dispute to Equifax XX/XX/2023. I never received any results of the investigation. I also believe that the investigation never happened. It has been well pass 30 days. I submitted a second dispute around XX/XX/2023 and checked my Equifax account to notice a dispute opened on XX/XX/XXXX and closed on XX/XX/XXXX. There is no way they could have sufficiently investigated my dispute within XXXX hours. I was never notified that they received my dispute and began processing it. Equifax is NOT properly investigating disputes sent in by consumers which is unethical and illegal. The confirmation number for that dispute is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIZENS FINANCIAL GROUP, INC.
State: KS

Complaint narrative:
Resurrection of a settled debt filed in the courthouse, XXXX XXXX 2015 by XXXX XXXX XXXX, XXXX Ks, seeking restitution more than 7 years later after their client collected said property, and issued and filed a memo stating the debt was settled in full. Stating in writing more than 7 years later that they made a mistake and now want to re-open the settled account and collect with interest. Double jeopardy, tried to explain in court to the judge, found the settlement papers were missing from the courthouse files and had to get an Attorney to get them to acknowledge that we had the papers in our possession. Still declined that the papers were valid, as XXXX and the XXXX said it was their right to renege on the agreement. Its too much like the XXXX case. It smells of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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:
The following has not been removed since I requested. This information is incorrect, and requested the company to remove this late payment, or to report has paid on time. I was not late with these payments. This is unfair to report this information. 

XXXX XXXX XXXX - XXXX XXXX ( reported 30 days late ) XXXX and Transunion ( reported 30 days late ) XXXX XXXX - XXXX XXXX Transunion ( reported 30 days late ) XXXX XXXX  - XXXX XXXX Transunion has multiple inaccurate inquiries that does not belong to me. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Credit report shows debt owed by a 3rd party company that I have no contractual agreement with. My personal data and non public information was shared to LVNV funding by XXXX XXXX XXXX which includes my social, email address, date of birth, non public account information. This is consider identity theft by law. I didnt give permission to share or sell my personal information. With any person or third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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'm disputing a XXXX XXXX account # XXXX that been on my credit profile. I've disputed fraud and sent the evidence to the company they then closed the account but it still remains on my credit profile with all three credit bureaus. I disputed the credit bureaus and they said they confirmed proof that it's my account but never sent the proof. I want this fraudulent account removed from my credit report from all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 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: WI

Complaint narrative:
I'm disputing a XXXX XXXX account # XXXX that been on my credit profile. I've disputed fraud and sent the evidence to the company they then closed the account but it still remains on my credit profile with all three credit bureaus. I disputed the credit bureaus and they said they confirmed proof that it's my account but never sent the proof. I want this fraudulent account removed from my credit report from all three credit bureaus.

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 2023-10-29 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: CITIBANK, N.A.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to report an incident of identity theft that has had a significant impact on my life. I believe that the following information constitutes a clear case of identity theft, and I request the Federal Trade Commission 's assistance in resolving this matter. On XX/XX/2023, I became aware of the unauthorized activities and financial transactions on my account from citicards cbna, which I believe to be a result of identity theft. I noticed unapproved credit account in my name, and suspicious monthly payments as well as a incorrect address I never resided in.

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 2023-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX is reflecting on my credit report. I have submitted various letters asking for validation of debt in which I have not received. I have contacted XXXX XXXX who states that they are not furnishing my information to the credit reporting agencies as well as XXXX XXXX. I have correspondence from both XXXX XXXX and XXXX XXXX that states this 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 2023-10-29 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: MO

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 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 have reached out to Transunion in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is XXXX XXXX XXXX XXXX XXXX with Account number XXXX. Transunion claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Transunion seeking proof of this debt : Transunion XXXX XXXX XXXX XXXX XXXX XXXX Transunion continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 

The account number is XXXX with a balance of {$81.00}. 
15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts I have made numerous attempts to have a fraudulent comenity bank account removed from my credit record. Despite submitting an affidavit, a police report, and an identity theft report, both XXXX XXXX and transunion have been unwilling to remove it from my credit history.

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 2023-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I went to my local Chase bank to open a private client account I attempted to open with my international bill of exchange security they told me that they never heard of it and could not accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CL Holdings LLC
State: FL

Complaint narrative:
My name is XXXX XXXX. I have a problem with a collection agency called Jefferson capital system that is reporting I owe them a debt for XXXX dollars however, I have tried multiple times to have them send me the actual contract agreement that I signed that I owe a debt to them in that amount and they have not been able to provide that, I also mention to remove it from all 3 credit bureaus since they cant provide that contract and no success as a active member of the military I feel this wrong and I need it fixed please hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: CA

Complaint narrative:
Equifax Data breach allowed for my information to be sold bought and traded without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 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: MO

Complaint narrative:
XXXX begging you please remove this to the 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 non-monetary relief
Consumer complaint received 2023-10-29 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: MO

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: PA

Complaint narrative:
The XXXX XXXX has XXXX my federal student loans with MOHELA in XXXX, effective XX/XX/2023. I received confirmation in a letter from MOHELA, dated XX/XX/2023. As of XX/XX/2023, the total loan balance of {$110000.00} still shows as outstanding/ still being owed on all three ( 3 ) credit reports. I have filed credit report disputes with the three ( 3 ) credit bureaus : XXXX, XXXX and XXXX which are being investigated at present.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: AL

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