vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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 2024-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Rosebud Economic Development Corporation
State: AZ

Complaint narrative:
I am very leary as to the legitimacy of this company. They also do business as, " Zoca Loans '' stating that Rosebud Lending 's office is located at XXXX XXXX XXXX XXXX, XXXX  SD .... 
According to XXXX maps that location is a field with what looks like tall, dry, yellow grass. 
I learned this shortly after taking a loan out through their entity called Zoca Loans. Shortly after getting my loan, my State to do business. I received a letter via email from Zoca/ Rosebud when my loan payment was late due to my bank account closure. The letter was a demand for payment. I sent a response requesting a copy of their business license, which to this day they have not provided.

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 2024-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: GA

Complaint narrative:
I was sent a letter from Zions with a contract and a letter from XXXX attached. The letter from XXXX was completed on the same day as the email and has no information on who completed it. The address on the letter is an address from over 15 years ago, and not associated with the account at all. I contacted XXXX, as well as XXXX, no one is able to find the account number on the letter provided or any account associated with myself. The letter says that it was sent from XXXX stating that the debt was bought by Zion. I want to know who provided this letter, the letter is not real.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and after several attempts Experian has done nothing. Please help me delete this illegal account from my Experian 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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have reviewed my CONSUMER reports and i noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XXXX, XX/XX/2021 ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! please see screenshot attached

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 2024-05-19 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: U.S. BANCORP
State: CA

Complaint narrative:
Late XX/XX/2024 USBank new credit card application submitted. I inquired as to cards not recieved from USBank but charges amounting to {$540.00} posted to account. USBank mailed cards on XX/XX/XXXX, XXXX Credit cards stolen in mail. Fraudulent charges {$540.00} made : XXXX {$160.00} XXXX  XXXX  XXXX  XXXX, CA ... XXXX {$44.00} XXXX XXXX and XXXX XXXX XXXX, CA ... XXXX {$37.00} HR XXXX XXXX XXXX CA ... XXXX {$82.00} XXXX XXXX XXXX CA ... XXXX {$85.00} XXXX  XXXX XXXX CA ... XXXX {$46.00} XXXX XXXX XXXX CA ... XXXX {$84.00} XXXX XXXX XXXX CA... Total  {$540.00} USBank re-issued cards and provided provisional credit. I reported fraud to USPostal Inspection Service and reported fraud to XXXX XXXX CA XXXX XXXX Department. 
Today XXXX USBank notified me that activity was made to create a online USBank banking account which prompted me to report the activity as fraud. USBank restored my information, cancelled my credit card and re-issued credit cards. I subsequently updated XXXX XXXX CA XXXX 's Dept with additional information provided by USBank ie ; phone number of thief. I then put a account freeze and made credit fraud notifications to the three credit bureaus XXXX, XXXX and XXXX. I was advised by the XXXX 's deputy to make this 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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On my report theyre are recent inquiries as if i have applied for something and i have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On my report theyre are recent inquiries as if i have applied for something and i have not.

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 2024-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My Venmo account was temporarily suspended after a friend sent me money for rent and a few other bills. Venmo emailed me telling me it could take up to XXXX business days for an account XXXX to reply after I send my ID, but if I dont receive the {$950.00} that was lent to me yesterday I could potentially face eviction and/or late payments on bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally address a critical issue regarding fraudulent files that have been inaccurately reported by XXXX XXXX and XXXX XXXX XXXX on my credit report. The erroneous entries associated with Bank Account Number XXXX by XXXX XXXX and Account Number XXXX by XXXX XXXX XXXX XXXX not pertain to my rightful name or information. These fraudulent files are significantly impacting my XXXX XXXX and financial standing. 

As per the provisions outlined in the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Fair Debt Collection Practices Act ( FDCPA ), credit reporting agencies and debt XXXX are mandated to ensure the accuracy, fairness, and privacy of consumers ' credit information. The presence of fraudulent files by XXXX XXXX and XXXX XXXX XXXX on my credit report is a clear violation of these laws and my consumer rights. 

I have previously engaged with representatives from both XXXX XXXX and XXXX XXXX XXXX regarding these fraudulent entries. Despite my inquiries, the representatives were unable to provide any substantiated information or documentation related to the files. Furthermore, the original companies associated with the accounts have confirmed that they have no record of any information pertaining to my rightful name or details. 

In light of the aforementioned circumstances, I am formally requesting the immediate removal of the fraudulent files associated with Bank Account Number XXXX by XXXX XXXX and Account Number XXXX by XXXX XXXX XXXX XXXX XXXX credit report. These inaccurate entries not only misrepresent my financial history but also pose a significant hindrance to my creditworthiness and financial well-being. 

I implore Consumer Finance to take prompt and decisive action in accordance with the FCRA, XXXX, and FDCPA to ensure the expeditious removal of these fraudulent files from my credit report. It is imperative that these violations of consumer rights and financial integrity are rectified without delay. 

I kindly request that you provide me with written confirmation once the fraudulent files have been successfully removed 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 non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: OH

Complaint narrative:
US Bank Mortgage obviously didn't apply the payments correctly on this account. They received payments from XXXX XXXX XXXX Ohio for {$25000.00} total and a little over {$50000.00} from the Bankruptcy XXXX XXXXXXXX Trustee from my husband 's case. I attached the final report showing exactly how much was paid to US bank Mortgage, from XXXX XXXX XXXX, They claim our escrow account has a over {$7000.00} shortage and it's not adding up considering we have a fixed APR rate 5.125 %. They are trying to be slick and raise our payments for no reason. I also have a copy of the new billing statement with the wrong amount due on our ed. If this is not resolved, they don't correct this. We will seek legal counsel to have a judge look at our documents to show there no shortage over {$7000.00}. They are wrong..

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
These difficult queries don't belong to me they should be deleted please help me thank you very much. 
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 XXXXXX/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 2024-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Complaint Against Jefferson Capital Systems Resolved Debt Reappearing on Credit Report Dear CFPB Representative, I am writing to formally lodge a complaint against Jefferson Capital Systems concerning a fraudulent debt that has reappeared on my credit report despite being resolved and confirmed as such by the original creditor, Affirm, due to identity theft. 

The initial complaint number submitted to CFPB regarding this matter is XXXX. 

Background : XXXX. Initial Fraudulent Debt Report : The debt in question was originally reported by XXXX. After a thorough investigation, it was determined that the debt was a result of identity theft. 

XXXX. XXXX by XXXX : XXXX acknowledged the fraud and, in the most recent communication dated XX/XX/2024, explicitly stated that the debt would be removed from all credit reports and no longer be reported. 

XXXX. Reappearance by Jefferson Capital Systems : Despite this resolution, Jefferson Capital Systems has reported the fraudulent debt again on my credit report. 

Applicable Laws : XXXX. Fair Credit Reporting Act ( FCRA ) : Under the FCRA, specifically 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is required to block the reporting of information resulting from identity theft upon receipt of appropriate proof from the consumer. 

XXXX. Fair Debt Collection Practices Act ( FDCPA ) : Jefferson Capital Systems actions XXXX also be in violation of the FDCPA, which prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt ( XXXX XXXX. XXXX ). 

Details of Complaint : XXXX. Date of Most Recent Communication from XXXX : XX/XX/2024 XXXX. Summary of XXXX : XXXX confirmed that the debt was a result of identity theft and assured that it would be removed from all credit reports. 

Attached are copies of all relevant documentation, including the most recent communication from XXXX confirming the resolution of the fraudulent debt. 

I appreciate your prompt attention to this matter and look forward to your assistance in ensuring that my credit report is accurately and fairly represented. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm DISPUTING inaccurate personal information found on my credit report. This information is NOT ME and I have NO RELATIONSHIP to it. Please remove this information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for willful noncompliance to FCRA regulations. Inaccurate Addresses : XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX and XXXX XXXX XXXX XXXX, NC 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 2024-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
On several occasions, I have let XXXX know verbally over the phone, and through returned correspondence on the mailings that the address for cosigner and myself have not changed and the contact info is the same. Despite all of this, XXXX ignores these statements and continues to ask for updated contact info. This happens each time I send their duplicate correspondence back. It may be part of their policy and workflow for when they scan letters into their information system that it's flagging the contact info as invalid. The company still ignores the fact that I have repeatedly stated that nothing has changed. They then become angry with me when I tell them to stop asking if my address and phone # has changed or the cosigner 's info. This is part of their broken system. If an address or phone # will change, I will diligently let them know, but they are acting prematurely in assuming contact info is invalid. They create these correspondences even after I have already gotten off of a phone conversation stating the info is valid. 

WHY WE ARE CONTACTING YOU Our records indicate that XXXX XXXX XXXX XXXX co-signed/endorsed your student loans. The address and/or telephone number we have on file for this individual may be incorrect. 
WHAT ACTIONS YOU NEED TO TAKE Please contact our office to provide the current address and telephone number for XXXX XXXX XXXX XXXX. 
Call us toll-free at XXXX. We are available Monday to Friday, XXXX XXXX. to XXXX XXXX XXXX. 
WHAT THIS MEANS TO YOU It is important that the XXXX inform us when there is a change of address or telephone number. This helps to ensure that confidential information pertaining to the student loan account is mailed to the correct address. 
This communication is sent by American Education Services ( AES ) on behalf of the creditors/owners of your loans. This is an attempt to collect a debt on behalf of the creditors/loan owners and any information obtained will be used for that purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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 confidentially under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate, and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conerning the invdividual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i ( 5 ) they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX EXETER FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my EXPERIAN credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE MONTH YEAR OF FIRST CHARGE OFF SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONT. THIS IS AN UPDATE IN THE PAYMENT HISTORY .A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE HISTORY THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT. 

HAS VIOLATED MY RIGHT I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT XXXX  XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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