vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
On XX/XX/XXXX I requested that the fraud claim for the chase business card ending in XXXX be reopened and further investigated, this is my third request. 
I was told this account was opened in XXXX. I did not open this account. I have never been affiliated with the businesses XXXX. I have never made a payment on this account from my checking or savings accounts. I have never been in possession of this card, nor have I used it to make a purchase. I did not recieve any of the paper statements and I shared this XXXX XXXX XXXX my soon to be ex husband. He is still able to access this XXXX XXXX as the combination has not been changed and he still receives mail to this address. This debt did not show up on my credit report until he stopped making the payments this year. 
On XX/XX/XXXX I did request that an investigation be completed pertaining to what account the payments were made out of. 
To date, they have found me liable for the debt because paper statements were sent to my mailing address and a text verifying the account was sent to my phone. I only recieved this text because I was trying to access the account they were attempting to make me pay the debt on and needed to change the password, as I didn't set it up. 
I don't have the full card number as I've never been in possession of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: CNG FINANCIAL CORPORATION
State: MO

Complaint narrative:
Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, 1 I am writing this to inform you that i have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. Please provide the original contract agreement as well. The following account ( Axcess financial ) is reporting a balance of ( {$4400.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a form 1099C as proof or evidence thereat. And that because of my fact, this debt is cancelled and at least should not reflect the balance that is currently shown of ( {$4400.00} ) on my consumer file. This is canceled debt, the company has filed it on their taxes but they also are reporting it on my credit report as debt, doesnt make sense at all. A charge off is considered ordinary income so how could it be furnishing on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so I can file the ordinary income. They havent sent me none of that so now they are in violation of USC 1681EB, it speaks on maximum accuracy of the consumer report. So this item has to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I'm unaware of the debt reporting to my credit report under CSS Companies. I did not have an opportunity to dispute this information in fact if the company believes they sent me proper notification I have asked for a certified receipt that I signed for the documents and never received anything since XX/XX/year> through the XXXX  complaint file # XXXX. This is a violation of the FRCA and I want this unknown debt removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit cards accounts opened at XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), XXXX  on XX/XX/XXXX under account number ( XXXX ). A personal loan opened at XXXX XXXX on XX/XX/XXXX under account number ( XXXX ). XXXX other collections starting with XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), XXXX  opened on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX opened on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the collections in question as well a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and charge-offs reported. The aforementioned accounts, collections, and charge-offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and charge-offs are the result of identity theft and fraud. Ive also attached my consumer report, as well as the screenshots with the highlighted inaccuracy on my consumer report that is effecting my life because of improper use of my credit report by the reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: NV

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 2024-08-13 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: NV

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 2024-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I called MOHELA XX/XX/XXXX after receiving a letter telling me that my repayment schedule had been recalculated. I am currently a XXXX borrower and as part of the litigation around the XXXX plan all of my loans were to be placed on a non-interest bearing forbearance. Per the letter I received and my call with the rep at MOHELA, my account was on the incorrect forbearance and was in fact accruing interest. He wasn't able to tell my why but indicated that " they are seeing this with several accounts. '' I asked when they would be fixing this because my loans on the XXXX plan should NOT be accruing interest during this forbearance time. He wasn't able to tell me when it would be adjusted so as of now, my loans are on a forb scheduled to end XX/XX/XXXX ( because I was never placed on the correct forbearance so my forb wasn't extended until XXXX like what was directed by XXXX ). not only that, but my loans have no accrued and capitalized interest for all of the time that my loans were on the forbearance up to this point. A forbearance that I didn't request to begin with. Not my loans have added interest and I am getting hit again because it won't count for XXXX. ( which I was incorrectly told it would count towards XXXX  time when I called back in XXXX when the forbearances were first applied ). I need SOMEONE to PLEASE help me get this straightened out. I asked to speak to a Supervisor at MOHELA and the rep placed me on hold multiple times and then came back with " the supervisor told me to tell you ..... '' I said no again I asked for a Supervisor not for a Supervisor to relay a message through you. Then they threw me back into the queue where " all reps were currently helping customers '' where I was ultimately disconnected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
$ XXXX identify theftXXXX XXXX ( deceased ) used my social security number for this account

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 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Collection account XXXX XXXX XXXX XXXX {$1600.00}. This account has resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: NJ

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Dear National Credit Systems , Inc., I am writing in response to your recent communication regarding the account associated with XXXX XXXX. I appreciate your attention to my initial dispute, but I must reiterate and expand upon my concerns regarding the validity of this debt. 

Key Issues : Fraudulent Documentation : The documentation provided by XXXX XXXX XXXXo substantiate the debt includes a lease agreement bearing a computer-generated signature. I did not authorize this signature, nor was I ever a resident at XXXX XXXX. Given that the signature is computer-generated and not manually signed by me, the validity of this agreement is highly questionable and likely fraudulent. 

XXXX  During Alleged Debt Period : As stated in my initial dispute, I was XXXX  during the period when this debt was allegedly incurred. It is impossible for me to have resided at XXXX XXXX during that time, which further invalidates the claim that I owe this debt. 

Failure to Provide Adequate Documentation : The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) require you to provide adequate and legitimate documentation to substantiate any claims made against me. The documentation provided so far fails to meet this standard. A computer-generated signature does not constitute proof of residency or obligation, particularly in light of the fact that I was XXXX. 

Legal Violations : Your continued reporting of this debt, without proper documentation and in light of the evidence I have provided, constitutes violations of the FCRA and FDCPA, including but not limited to : FCRA Violations : Section 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information with errors or omissions, leading to inaccurate credit reporting. 
Section 1681s-2 ( b ) : Failing to conduct a reasonable investigation into the disputed information.

FDCPA Violations : Section 1692e : Using false, deceptive, or misleading representations in connection with the collection of a debt.

Section 1692f : Using unfair or unconscionable means to collect or attempt to collect a debt. 
Consultation with Legal Professionals : At this time, I am not formally represented by an attorney. However, I have consulted with XXXX XXXX and XXXX XXXX, XXXX, who have both agreed to pursue litigation on my behalf if necessary. Should I choose to proceed, the cost of litigation will significantly exceed the disputed amount of {$3000.00}, and I will seek damages for the harm caused by your unlawful actions. Additionally, for each violation, I am entitled to {$1000.00} in statutory damages under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Rosebud Economic Development Corporation
State: OK

Complaint narrative:
I was approved for a {$500.00} loan with My Quick Wallet have XX/XX/2023. They started out taking around {$90.00} per week from my account, then offered me $ XXXX {$270.00} more a few months later and I accepted it, so they have been taking {$180.00} from my account every week and {$200.00} some weeks, causing me extreme hardship and overdraft fees every week. I don't make much money as it is and I still have to feed my family and pay my bills. I have XXXX off notices every month. I told the via email multiple times they're taking too much and I can't even afford groceries on a week a bill is due. I don't understand terms and percentage rates and never realized how much they were going to haunt my life. There is no end to payments either. I asked them to no avail and looked at my online account and there's a withdrawal date every week for a year and no sign of completion. This isn't right, they're literally robbing me and causing me so much stress and problems I don't know what to do. I've paid back so much more than I borrowed, around {$5.00} or $ XXXX at least, already. A few weeks my check didn't take me out of the hole and they didn't get their money, so they keep on taking my money and sending me texts and emails about being behind on my payments.. How can this be legal. Someone needs to do some investigating on these guys. They're making poor people poorer. I feel like I work just to pay Quick Wallet. I would appreciate any feedback and assistance getting these thieves out of my life so I can finally live and breathe again. Thank you for the opportunity to be heard. This has been a traumatic experience.

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 2024-08-13 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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