vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 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 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 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 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX. 

I am a victim of Identity Theft and did not give this debt collector any agreement ( written or verbal ) to collect this debt. I am not in any contract with this debt collector and need them to seize all communications and collection reporting to my credit report as it is negatively affecting me and my chances to buy a house. 

Please have them respond as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: NJ

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as DELETE the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX  XXXX 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 2024-04-09 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: NJ

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as DELETE the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. )

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX and I am a victim of Identity Theft. I did not make any contract with CREDENCE or the original creditor. The original account is a result of identity theft and should be treated as such. The entire collection account is fraudulent due to it being a result of identity theft. Please have CREDENCE seize all types of communications with me and have remove all credit reporting immediately. 

They're damaging my chances of buying a house. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: UT

Complaint narrative:
On the day I first made contact with this agency through certified mail, I notified them that I was a victim of identity theft. To this day, the agency persists in including details in my credit report that are a direct result of this identity theft. Under Section 605B, known as " Block of Information Resulting From Identity Theft, '' it is required of consumer reporting agencies to notify the originators of such information, like banks, that the information may have been compromised due to identity theft, and that an official identity theft report has been lodged. I have supplied the agency with FTC report numbers XXXX along with a formal request for a block on this information. Upon receiving such notification, Section 623 ( a ) ( 6 ) mandates that the information providers stop reporting any information identified by the consumer as being the result of identity theft. This stoppage must take place no more than 4 business days after the agency is presented with : ( 1 ) sufficient proof of the consumer 's identity ; ( 2 ) the identity theft report ; ( 3 ) identification by the consumer of the disputed data ; and ( 4 ) a statement from the consumer asserting that the information is not related to any transactions made by them.

I have met all of these conditions, and documentation supporting my claim will be included with this complaint. Nonetheless, this agency has failed to comply with the obligation under the FCRA 15 U.S. Code 1681c2 to block the dissemination of the information I have flagged as resulting from identity theft within the prescribed 4 business days after receiving the necessary documents. This neglect is a breach of the law, rendering the agency liable for willful non-compliance. This includes any real damages I have incurred due to this oversight, as per 15 U.S. Code 1681n.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: Self Financial Inc.
State: GA

Complaint narrative:
I am writing to dispute the response I received regarding my complaint, which was marked as a duplicate on XX/XX/2024. I must respectfully disagree with your assessment that my complaint was duplicate in nature. My initial communication clearly outlined specific issues and requests that have not been adequately addressed. 

First and foremost, I want to address the legality of reporting transactions that are excluded from consumer reports by law. As per 15 U.S. Code 1681a Definitions ; rules of construction, the term " consumer report '' excludes information solely concerning transactions or experiences between the consumer and the reporting entity. Therefore, transactions and experiences with your company that fall under this exclusion should not be furnished to consumer reports. 

Furthermore, under 15 U.S. Code 1666b - Timing of payments, a creditor may not treat a payment as late unless reasonable procedures are followed to ensure that required information is mailed or delivered to the consumer at least 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
Filed a dispute letter and police report accounts not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: OK

Complaint narrative:
I qualify for an increase of my spot me feature. It never increased and i feel something is wrong so i requested a ticket be opened and it be looked into. An agent assured me she opened a ticket, even gave me a fake ticket number but never opened a ticket. Days after waiting on update, i contact chime and an agent tells me he assures me my ticket is open and being worked and I should wait for someone to contact me. Then when I insist on an update he tells me they never had any ticket open for me and he cant do anything to help. I reported this to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Taxes for the mortgage loan was paid XX/XX/year>. Although the tax department added on unpaid taxes, a copy of the check and payment receipts were sent to Mr. Cooper. As of today, XX/XX/year> this company has not made any attempts to rectify the problem, however, I have gotten a call to pay a mortgage of over XXXX XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
XXXX - ARVEST BANK ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX is reporting to XXXX that there is a balance owed on a personal account that I have never had a negative balance on. I did have a personal account with this bank, however, I have never had a balance, past due balance, or any such issue. They are reporting that I personally owe {$440.00}. I don't even have an account with this institution. I never used the personal account, and again, there was never a overdraft or negative unpaid balance on the Personal account! 


Source of Information : XXXX - ARVEST BANK ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reported For : NON-SUFFICIENT FUNDS ( NSF ) ACTIVITY Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX Reported SSN/ID : XXXX Drivers License : Date of Closure : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX Original Charge Off Amount : XXXX Closure Status : UNPAID

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
Nissan motor acceptance corporation XXXX my car In XXXX XXXX XXXX. THIS WAS ILLEGAL AND THIS CAR WAS PAID FOR OUT OF MY XXXX XXXX XXXX XXXXXXXX. THE XXXX XXXX. YOU TRY TO GET PAID TWICE. DOUBLE DIPPING. NEVER GAVE ME MY XXXX FORM FROM XXXX MY CAR. I FILED A XXXX FORM TO THE IRS. AND XXXX FORM. NEVER GOT MY GAP INSURANCE FROM THEM. THEY PUT FALSE PAYMENT ON MY CONSUMER REPORT. XX/XX/XXXX {$250.00}. PROVE THIS PHONEY TRANSACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-09 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" create a dispute letter to the XXXX XXXX XXXX using 15 usc 168l stating you never gave them written consent to furnist your information or obtain your information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
After encountering an issue with WePay payment processing services provided by J.P Morgan Chase Bank, the merchant processing service has processed XXXX payments for our business. After 3 days we received notice of payment hold and they ask to provide business documents to verify our business, We provided same documents as the bank already had them for over a year and payment cancellation notice was issued to us and for some reason the funds got held 120 days as they claim. We went to XXXX to check about his company it seems hundreeds of similar complaints are filed with same issue about this WePay business holding funds of hard working honest people. They have B- rating and I am surprised US Government hasn't started some investigations in to this matter so far about Chase Bank and its affiliate WePay services run by Chase Bank . 
This has never happened to us before after so many years in business.We use this company only XXXX time so they don't have anything to justify by closing our account. 
This company seems holding funds for long time possibly earning interest on the money somewhere offshore and scamming American businesses. 
Please start investigating them this is very strange and unusual for such a big bank like Chase ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: CITIBANK, N.A.
State: MS

Complaint narrative:
I was in the process of buying a home and i noticed that on my credit report is an account that I do not recognize i have also sent in disputes to XXXX XXXX stating that this account is unfamiliar and I no Knowledge of the account. According to 15 U.S.C 1681. It is illegal to report any damaging remarks on one 's consumer report impairing 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.

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 2024-04-09 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
These hard inquiries I do not recognize or have not been authorized by me. 

XXXX XXXX XXXX XXXX XXXX, XX/XX/23, XX/XX/23, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial XXXX XXXX XXXX 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 2024-04-09 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: UT

Complaint narrative:
On the day I first made contact with this agency through certified mail, I notified them that I was a victim of identity theft. To this day, the agency persists in including details in my credit report that are a direct result of this identity theft. Under Section 605B, known as " Block of Information Resulting From Identity Theft, '' it is required of consumer reporting agencies to notify the originators of such information, like banks, that the information may have been compromised due to identity theft, and that an official identity theft report has been lodged. I have supplied the agency with FTC report numbers XXXX, along with a formal request for a block on this information. Upon receiving such notification, Section 623 ( a ) ( 6 ) mandates that the information providers stop reporting any information identified by the consumer as being the result of identity theft. This stoppage must take place no more than 4 business days after the agency is presented with : ( 1 ) sufficient proof of the consumer 's identity ; ( 2 ) the identity theft report ; ( 3 ) identification by the consumer of the disputed data ; and ( 4 ) a statement from the consumer asserting that the information is not related to any transactions made by them.

I have met all of these conditions, and documentation supporting my claim will be included with this complaint. Nonetheless, this agency has failed to comply with the obligation under the FCRA 15 U.S. Code 1681c2 to block the dissemination of the information I have flagged as resulting from identity theft within the prescribed 4 business days after receiving the necessary documents. This neglect is a breach of the law, rendering the agency liable for willful non-compliance. This includes any real damages I have incurred due to this oversight, as per 15 U.S. Code 1681n.

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 2024-04-09 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-09 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation