vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I check all three of my credit reports weekly as I am building to an idea score so i can rent a townhome and have had false reports on my statements before that damaged my credit. On XXXX XXXX I discovered a collection account on my XXXX and XXXX reports from NATIONAL CREDIT ADJUSTERS for {$430.00}. It claims the account was opened in XXXX of XXXX however through XXXX XXXX. I've not applied for any loan or given my information to anybody nor have I received any communication or mail that a loan was given out in my name or in jeopardy of being in collections. I tried contacting XXXX  who were the original creditors, it was stated they had no record of me applying for any loan or receiving one and that I would need to discuss the matter with the collection agency which is has prompted me to open this investigation. I have not applied for any loan or financial assistance since XXXX and all my collections were paid i moved to a new location and updated all my addresses prior to XXXX and am unaware where my information could've been gathered to use for this purpose. i spoke to national credit adjusters today updated my contact info since the address and number the had were not accurate and have asked for validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Sir/Madam, Greetings! 
I have a XXXX XXXX App from where I first got Email notification regarding my recent Hard Inquiries on XX/XX/2023 : XXXX - 4 Hard Inquiries and on TransUnion - 1 Hard Inquiry. For this I called, XXXX and they advised me to get FTC Report, for that I went to XXXX XXXX Police Department and filed a complaint about these 5 Hard Inquiries which is absolutely a fraud activity on a single day ( XX/XX/2023 ). Upon inquiry, the Police Department, never provide any FTC Report and they were even unaware of it and this was the information initially provided by XXXX Representative when I called them on XX/XX/2023 ; however, the Police Department gave me the Complaint Number XXXX and asked me to call Credit Bureau and I called this morning ( XX/XX/2023 at XXXX AM ) to XXXX providing them with Police Complaint Number but they now saying to go online ( ftc.gov ) and print the submitted form and send us back along with the copy of my ID, SSN and a written letter. Meanwhile, I also received 1 Credit Card from the Citi Bank and its related to one of the fraud hard inquiry activity reported on XXXX which I never applied to. 

I, therefore, request you to provide me a FTC Report which I can forward and have them disputed from both Credit Bureau Agency ( XXXX and TransUnion ). Thanking You, Sincerely, 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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, is violating my rights by changing remarks, amounts owed, balance manipulation, each month they are changing statuses, ultimately making newer derogatory remarks, as of XX/XX/2022 they are reporting a new charge off, this was charged off 3 years ago, and account is XXXX XXXX XXXX, now they are reporting a balance of {$1.00} to XXXX. This is moving my score up an down negatively, please remove this account from my 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 explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report : XXXX XXXX Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX, XXXX XXXX  Bankruptcy XXXX, XXXX XXXX XXXX Late Payment Account XXXX XXXX, Charge Off Account XXXX XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX XXXX, Charge Off Account XXXX XXXX XXXX, and Charge Off Account XXXX XXXX XXXX. 

I would like to point out that the XXXX XXXX Bankruptcy was discharged, and I have taken steps to rebuild my credit since then. I am aware that these accounts have negatively impacted my credit score, and I am actively working to improve it. However, some of the information regarding these accounts is inaccurate or incomplete. For example, the Late Payment Account w
ith XXXX should have been removed from my credit report as it was a mistake on their part, and I was never late with payments. The Charge Off Account with XXXX XXXX was included in the bankruptcy and should not be reported separately. The Charge Off Account with XXXX was settled and should be marked as such. 

I would appreciate it if you could investigate these accounts and correct any errors or inaccuracies. I have attached relevant documentation to support my dispute. Please let me know if there is any further information you require from me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My husband and I have files several disputes with Experian, XXXX, XXXX, and XXXX, about inaccurate information on my credit report. The first time XXXX was reporting all the negative payment history and refused to include the positive payment history. After trying to dispute that, XXXX started placing IN REPOSSESSION for each month for 3 years after the car was repossessed. We sent in another dispute, Experian, XXXX and XXXX reported the same inaccurate information. We tried to fix the problem by calling XXXX to report the inaccurate information. XXXX told us, they wasn't fixing anything, because everything they sent to the credit bureaus is correct until 2026. We explained that the account cant be still open, if we don't have the car. We also let him know, reporting IN REPOSSESSION for years on our account is not fair. He replied, it is what it is and that is what they will continue to report every month.

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 2023-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Under the FDCPA, debt collectors are prohibited from Abusing or harassing a consumer by, for example, repeatedly calling their telephone or letting it ring continually.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX and Experian are hereby referred to as The Companies. XXXX XXXX is hereby referred to as The Consumer. 

The Consumer has tried unsuccessfully on numerous occasions to retrieve his annual consumer reports due to an error when connecting to The Companies systems via www.annualcreditreport.com

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I applied for a Business Line of Credit ( BLOC ) with Seek Capital sometime ago. The Rep I spoke with ; XXXX, asked for my social security number to check my credit and see if I qualify for the BLOC. Once he saw I had great credit he then said that because my request for the BLOC was so small, he felt it best that instead of me having a BLOC he would instead apply to numerous credit card companies for me. By doing so I would have a number of credit cards that I could pull cash from. When I objected for various reasons he said he would transfer me to someone else who would provide information on a BLOC. However, now I see a number of new inquiries on my 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 explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My car was repossessed in XXXX  and was sold and they still saying I owe XXXX its still in my credit also given notices about the car they just came and took 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 non-monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX, XXXX, and Experian is reporting a Authorize user account on my profile that I did not authorize and I need to have this removed from my consumer 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 explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX. TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Has violated my rights. XXXX XXXX XXXX XXXX Has violated my rights. XXXX XXXX XXXX Has violated my rights. 15 U.S.C.1692c A a debt collector may not communicate with a consumer in connection with a collection of any debt. 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

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 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: WI

Complaint narrative:
This is not a duplicate complaint technically seeing is that Cashapp has responded and had these complaints closed without addressing the issue typed and it seems this Consumer Department is helping them do so. So here is the complaint for the company to address. I was harmed on both XX/XX/XXXX andXXXX XXXX, XXXX in Wisconsin because my financial institution Cashapp who operates out of XXXX XXXX, CA let funds go from my account even though I did not have enough funds to make the purchase the merchant displayed one price and charged another. It does not appear to have went through any various of incremental price adjustments. Just flat out charged more than what was in my account. Held my funds pending for days. At times when someone I owed came to collect there money I couldnt pay that person and we got into fisticuffs I received bodily injuring blows and at one point I was having an anxiety attack paired with a sciatic nerve in my back that restricts my inhalation and I could not remove myself from the situation because my life was being threatened by my body. These transactions technically completed because the merchant had to cancel them. These transactions were completed not peer to peer and was made with their cash card liability belongs to Cashapp without a doubt. I do not have a borrow allowance for sure and stock round ups accumulated or a lack there of because of these transactions being initiated and technically paid to the merchant. If I didnt faint my heart would have arrested completely to my knowledge. All of this has caused me Extraordinary Emotional Distress as well as pain from what I encountered on the day. My body and mind paid and is paying the overdraft fees of these transactions and the app told the truth of the matter despite everything. It didnt expire it was canceled. It wasnt declined because it wouldve never been there to have been released on another day and would read specifically NOT ENOUGH CASH https : XXXX information in this link is, to me, quintessential to understanding where I am coming from. This department can not close this claim without Cashapp properly addressing this matter and going further with nothing other than them remedying the situation. Do you Cashapp disagree that in order for something to be canceled that cash would have had to been posted? Do you Cashapp disagree that in order for Something to be voided that XXXX would have been had to have been posted in any form or faction?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report : XXXX XXXX  Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX, XXXX XXXX XXXX Late Payment Account XXXX XXXX, Charge Off Account XXXX XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX XXXX, Charge Off Account XXXX XXXX XXXX, and Charge Off Account XXXX XXXX XXXX. 

I would like to point out that the XXXX XXXX Bankruptcy was XXXX, and I have taken steps to rebuild my credit since then. I am aware that these accounts have negatively impacted my credit score, and I am actively working to improve it. However, some of the information regarding these accounts is inaccurate or incomplete. 

For example, the Late Payment Account with XXXX should have been removed from my credit report as it was a mistake on their part, and I was never late with payments. The Charge Off Account with XXXX XXXX was included in the bankruptcy and should not be reported separately. The Charge Off Account with CREDITCD/FBT was settled and should be marked as such. 

I would appreciate it if you could investigate these accounts and correct any errors or inaccuracies. I have attached relevant documentation to support my dispute. Please let me know if there is any further information you require from me. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report : XXXX XXXX  Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX, XXXX XXXX XXXX Late Payment Account XXXX XXXX, Charge Off Account XXXX XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX XXXX, Charge Off Account XXXX XXXX XXXX, and Charge Off Account XXXX XXXX XXXX. 

I would like to point out that the XXXX XXXX Bankruptcy was discharged, and I have taken steps to rebuild my credit since then. I am aware that these accounts have negatively impacted my credit score, and I am actively working to improve it. However, some of the information regarding these accounts is inaccurate or incomplete. 

For example, the XXXX XXXX Account with XXXX should have been removed from my credit report as it was a mistake on their part, and I was never late with payments. The Charge Off Account with XXXX XXXX was included in the bankruptcy and should not be reported separately. The Charge Off Account with XXXX was settled and should be marked as such. 

I would appreciate it if you could investigate these accounts and correct any errors or inaccuracies. I have attached relevant documentation to support my dispute. Please let me know if there is any further information you require from me. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-03-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JTM Capital Management, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I was served with a lawsuit from XXXX XXXX XXXX, for the amount of {$5900.00}, at my residence in California. XXXX purchased this defaulted loan on XX/XX/XXXX from XXXX XXXX. I believe this loan has been settled a few times by other companies that XXXX sold the account to third party. Coincidentally none of these companies sent me receipts for my records like they promised and I dont have the dates I paid them. I have never spoken to XXXX directly or received any paperwork or correspondence. There are no negative entries on any of my credit reports pertaining to this matter. 

I have carefully read the lawsuit that was filed by the Consumer Financial Protection Bureau vs XXXX and affiliates dated XX/XX/XXXX, case number XXXX which is currently pending. XXXX purchased my loan on XX/XX/XXXX from XXXX XXXX. Unfortunately it appears this company is using many of the same tactics to collect debts in past and seems like its back to Business as Usual I am requesting this unfounded corrupt and false lawsuit be dismissed and no longer pursue litigation against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX I called Chase to report that my accounts were compromised due to a scammer, and that I wanted all withdrawals halted/account frozen. The scammer transferred {$450.00} to himself. Thats all I had in the account. The agent said they could not do that, and that I had to wait until the funds posted to file a fraudulent transaction claim. On XXXX Chase gave me a provisional credit for the funds. On XX/XX/XXXX they withdrew the money and denied my claim saying I didnt call promptly and I could not substantiate my claim. Chase claim to protect its client by providing zero liability in cases of fraud, but does not back up its claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I am a victim of fraud as a credit card ( COMENITYCAPITALBANK/IKEA PROJECT CREDIT CARD ) was opened in my name and charged without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  last reported an update with Equifax XX/XX/2022. I called XXXX XX/XX/XXXX and spoke with rep who said its normal and XXXX reports every 60 to 90 days. I was told to contact equifax directly, which I had done already. Now I receive a message this morning XX/XX/XXXX that Equifax has reported account closed and my credit score dropped XXXX points!!!! I called XXXX, spoke w a supervisor today XX/XX/XXXX, they said I would have to send them my entire credit report to investigate. ( NEVER WILL I DO THAT/IDENTITY THEFT ). I called Equifax they said I need to call XXXX, after holding 1 hour and 32 minutes was told there is nothing they can do. This is outrageous!!! Equifax XXXX XXXX XXXX ( refused to provide country and stated for security purposes ) told me hecannot file a dispute on my behalf because account is closed!

Company response to consumer: Closed with explanation