vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 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: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BTH Management
State: WI

Complaint narrative:
A small claim was filed on XX/XX/2023 appointment XXXX XXXX XXXX  being plaza services , LLC the assignee of XXXX XXXXXXXX XXXX XXXX address is XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Plaza services , LLC claims to be a business of purchasing XXXX debt and is the signing of the original consumer loan between XXXXXXXX XXXX XXXX XXXX and XXXX the consumer loan is identified as account number XXXX assuming the account number has XXXX digits only. They also coin that high defaulting on the terms by failing to make payment on the XXXX XXXX account when do you. They also say the last charge or payment to the account occurred within XXXX years of filing this action. They say the current balance due XXXX the date of filing including any and all occurred interest is {$1700.00} beer they say that I refuse to pay this debt despite dude demand XXXX Plaza services LLC I would like to have all information verified and submitted as in person on our schedule court date, with a validation letter, when a lawyer review this this information prior to the imitation date. Please include all that is needed to verify the account and most importantly the amount of XXXX as I believe this is an error. 

I would also like to see an itemized Receipt of my debt being purchase directly from the original debate collect. If this all information are correct I will pled guilty if not I will counter sue for loss wages, research, gas, and other expenses. 

I get paid about XXXX an hour part time, receive XXXX, and building for a better future for me, you, and our people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
XXXX online payments have not been processed XXXX, XX/XX/23 in the XXXX  of XXXX, XXXX  XX/XX/23 in the XXXX  of XXXX, nor on XXXX  XX/XX/23 in the XXXX  of XXXX. A Huntington bank associate told me they dont process payments on weekends but I didn't think TXXXX XXXX nor XXXX  were non processing days. I don't understand XXXX. I was also told by a Teller in person their processing day after the XXXX  is XXXX. XXXX XXXX XXXX dates are also misconstrued or altered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: Self Financial Inc.
State: FL

Complaint narrative:
I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : Self Financial/Lead Bank Account ( XXXX ) # XXXX and XXXX ( Late date Both Accounts XX/XX/XXXX ) XXXX XXXX XXXX Account XXXX XXXX ( Late Date ( XXXX ) : XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX This Company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, The Law States ( b ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

These Consumer Reporting Agencies can not furnish any of these accounts because I Did Not give my written instructions.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not
include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is also an unfair act to report late payments inside their payment grace period most of the payments for XXXX XXXX XXXX was reported before grace period in the year of XXXX. 
XXXX XXXX & XXXX late charges It is illegal to report late payments without the person consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : # XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX ======================================= UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ======================================= 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am not liable for these debtsXXXX XXXX XXXX  Account ( XXXX ) # XXXX, XXXX XXXX XXXX Account ( XXXX ) XXXX and Credit Collection Service Account XXXXXXXX XXXX  XXXX XXXX XXXX Account # XXXX I do not have a contract with these collections. They did not provide me with the original contracts for the following companies XXXX XXXX XXXX XXXX XXXX XXXX Credit Collections Serv , XXXX as I requested. 
In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights.

15 USC 1681-602A states I have right to privacy.

15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: AMERICAN HONDA FINANCE CORP
State: AL

Complaint narrative:
I applied for an auto loan with the company and was told that the my report could not be pulled because I dont not have any credit and then that my credit report had negative items on it that would prevent me from getting the vehicle. According to the Federal Reserve Act, the application is the collateral security and I did not receive anything for my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I just want to make a complaint with Chase because It was a fraud activity on my account even though I did not make that transaction and the bank did not provide a security check with my account. On XX/XX/2023 a deposit of Tax Refund of {$1500.00} was made on the date and the bank garnished my check because of fraud activity on my account I explained that I did not make such a transaction they still made me liable for that transaction and they want me to pay the remaining balance. I believe that banks should be responsible for any fraud committed because they did not check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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:
I am not liable for these debts, XXXX  XXXX Account ( XXXX ) # XXXX, XXXX XXXX XXXX Account ( XXXX ) XXXX and Credit Collection Service Account XXXX, XXXX  XXXX XXXX XXXX Account # XXXX I do not have a contract with these collections. They did not provide me with the original contracts for the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I requested.

In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights.

15 USC 1681-602A states I have right to privacy.

15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/2023 I realize my bank account has been deducted from a charge of an online merchant claiming to be affiliated to Chase PDF-Fling papers which I have no knowledge of? So I called this online source and they reversed all monies of {$76.00}. Chase claims I called them weeks prior of XX/XX/2023 stating I placed a claim with them about this merchant? Stating it was a temporarily credit of money we give you so we took it back from your account? Which is boldly completely incorrect. 

XX/XX/2023 an online course I took for {$550.00} payment of {$150.00} every two weeks I was to pay merchants. Course was not completed due to online issues with the learning tool. I was asked to prove my case by Chase of my incompleteness of course to get my money back which I did by faxing over a hard copy of the incomplete course document. 

I proved my case and won over merchant Chase took the money back from my account. XX/XX/2023 claimed the merchant won the case and reverted the merchant of {$150.00} out of my account? and the remaining balance as well? 

When I called them on these issues they refused to help or return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DataMax Corporation
State: WV

Complaint narrative:
I want to address an issue concerning debt collection related to a debt that I do not owe. In late XX/XX/2023, I contacted the business to dispute charges on my account that were not mine. A representative acknowledged the problem and promised to investigate but failed to follow up. In XX/XX/2023, I learned that the disputed debt has been reported to a credit bureau and sold to another collection agency, now totaling {$810.00}. I'm facing ongoing harassment through email, mail, and phone calls. This situation has adversely affected my finances and creditworthiness even though I tried to be in contact to figure out a resolution to the issue. 

My spouse has also got calls, emails, and now a letters regarding the disputed debt for an account of which I am the main holder. XXXX XXXX XXXX  has incorrectly directed the same letters, calls, and messages to my spouse, falsely claiming that the debt has been sold and non-payment reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
The company APPLE CARDGS BANK has obtained my consumer report on XX/XX/2022, XX/XX/2022 and XX/XX/2022 without my knowledge or consent. I have not given written or verbal consent to APPLE CARDGS BANK to access my consumer report. This is a violation of my rights under the fair credit reporting act ( FCRA ), specifically 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
I recertified my loans as I was supposed to and resubmitted updated pay stubs. The calculation was that my loan payment would be approximately {$340.00} a month. Today, XX/XX/XXXX, I check and find that my payment has jumped to {$450.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: MI

Complaint narrative:
I am a victim of identity theft. I did all I can do I sent letters, made phone calls I even got a police report to prove my case.I called credit acceptance multiple times and asked them to show proof or anything that can prove that had a car or loan through them.Not once did they show any proof of any kind nor any information other then making false reports on my credit report. 


dates XX/XX/2023 for {$8800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
- 15 U.S.C 1681 section 602 A Congressional findings and statement of purpose States i have the right to privacy - 15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies 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.

- 15 U.S.C 1681i ( 5 ) ( a ) Treatment of inaccurate or unverifiable information ( A ) If 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 - 15 U.S.C 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

- 15 U.S.C 1681n. Civil liability for willful noncompliance, any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or XXXX ) Creditor Name : XXXX XXXX Account Number : XXXX Inaccurate Information : Date last active, No. of Months Term, Reporting inaccurate late payments when account is charged off. 
Please remove account due to FCRA Violations and your reporting agency lying to me about account being accurate and verified XXXX ) Creditor Name : XXXX XXXX Account Number : XXXX Inaccurate Information : No. of Months Terms, Payment Status each agency reporting different data, Last Reported dates Please remove account due to FCRA Violations and your reporting agency lying to me about account being accurate and verified 3 ) Creditor Name : XXXX XXXX Account Number : XXXX Inaccurate Information : Account Type, Date Account Opened, Inaccurate payment history Please remove account due to FCRA Violations and your reporting agency lying to me about account being accurate and verified

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 2023-10-01 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: NV

Complaint narrative:
I acquired my credit report and asked the bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) XXXX XXXX XXXX ACCOUNT XXXX is reporting this account as opened on XX/XX/2023 The date open is not correct date last active is not correct on all three credit reports, Which is a violation! 

This is impacting me from moving forward to buying a house for my family THIS IS A VIOLATION OF 15 U.S. CODE 1681i ( 5 ) REMOVAL OF INACCURATE / INVALIDATED CREDIT INFORMATION. PLEASE REMOVE 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 2023-10-01 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: 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 confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: MS

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. 

XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, has violated my rights. 

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. 

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).

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 2023-10-01 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: 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 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