vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kornerstone Credit,  LLC.
State: CA

Complaint narrative:
I am formally filing a complaint regarding XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Tx XXXX, ( XXXX ) XXXX for fraudulent and illegal collection practices on behalf of Kornerstone Credit , Llc . Due to inaccurate handling of an account that I acquired in XX/XX/XXXX with an original balance of {$1100.00}. I have paid {$1500.00} to thee original company, who proceeded to collect unauthorized payments up until XX/XX/XXXX. The representative for XXXX, XXXX XXXX XXXX, XXXX, has provided personal account information with someone that she assumes to be my mother on XX/XX/XXXX. She has also threatened to garnish my wages for an inaccurate and unvalidated debt on XX/XX/XXXX. In addition to the previous, she also calls other members of my family stating that she is a legal clerk from an attorneys office and tells others who are not on the original account that payments have " bounced. '' XXXX has also called myself, and relatives with a total of over 10 calls to at least 3-4 individuals, including myself. in 3 days. When I requested that an agreement would be provided in writing, no documents have ever been provided to me. I am formally requesting that all forms of communication cease and desist effective immediately, XXXX XXXX due to harassment and unprofessional techniques used to collect a debt that has not been verified. 
A second company representative for XXXX, XXXX XXXX XXXX has also claimed that I am refusing to handle the debt because I would not provide my banking information over the phone and demanded that a payment be made within 48 hours only by providing my banking information. No payments would be accepted by mail or certified payment. The communication has led to months of harassment without resolution. I do not believe that XXXX, XXXX XXXX XXXX should be allowed to pursue legal action such as filing a judgment, garnishing my wages or off-setting personal income tax refunds for an inaccurate debt that I do not owe them, and the original creditor has failed to provide records for the original account reflecting all payments made. The original creditor, Kornerstone Credit , Llc is currently in the process of being investigated by the Texas Attorney Generals office. Any previous agreements were made to a representative who was falsely claiming to be a law clerk and the original agreement of dropping the debt to {$1700.00} dollars with an initial payment of {$200.00}, and {$1500.00} thereafter is null and void due to violation of FDCPA Section 805.b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

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 explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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 explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On several occasions sending and receiving money was a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not create or authorize these accounts and am unaware of their origins. In accordance with USC 1681g, I formally request their removal within 15 days. Enclosed are supporting documents for your review.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have been working on my credit since XXXX  and have reached out to the credit bureau 's about these inaccuracies on my report. There are multiple addresses incorrect and misspellings of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I filled this out before and it disappeared. 
I have my SS check direct deposited to XXXX XXXX. this month XXXX XXXX would not allow my to spend my money, so I was able to transfer my money to my Chime bank account. then som company called XXXX XXXX XXXX made withdrawals of {$420.00}, XXXX times without my authorization, wiping out my entire money from Social security. 

Furthermore a man named XXXX XXXX withdrew {$1800.00} to a XXXX XXXX account in the name of XXXX XXXX which I also believe was fraud he did without my consent. I also believe he is behind the XXXX XXXX XXXX fraud, but of course he denies it. 

XXXX XXXX is/was a famous guitar player from the XXXX band XXXX XXXX XXXX XXXX XXXX his current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX why he needed my money I am not sure. but he has robbed me twice now, once before for {$1800.00} and. {$400.00} for a {$4000.00} total. 

Please publish this and use my name as long as you use XXXX XXXX 's name as a scammer and perpetrator of the crimes. I have a photo of him holding a piece of paper with my name written on it. S I know it was really him.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Bankruptcy on my name is not correct. Please investigate it and send me updated credit report. Thank you

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Bankruptcy on my name is not correct. Please investigate it and send me updated credit report. Thank you

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 2025-03-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelson Cruz & Associates LLC
State: CA

Complaint narrative:
I am formally filing a complaint regarding XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Tx XXXX, ( XXXX ) XXXX for fraudulent and illegal collection practices on behalf of XXXX XXXX XXXX XXXX XXXX Due to inaccurate handling of an account that I acquired in XX/XX/XXXX with an original balance of {$1100.00}. I have paid {$1500.00} to thee original company, who proceeded to collect unauthorized payments up until XX/XX/XXXX. The representative for XXXX, XXXX XXXX XXXX, XXXX, has provided personal account information with someone that she assumes to be my mother on XX/XX/XXXX. She has also threatened to garnish my wages for an inaccurate and unvalidated debt on XX/XX/XXXX. In addition to the previous, she also calls other members of my family stating that she is a legal clerk from an attorneys office and tells others who are not on the original account that payments have " bounced. '' XXXX has also called myself, and relatives with a total of over XXXX calls to at least XXXX individuals, including myself. in XXXX days. When I requested that an agreement would be provided in writing, no documents have ever been provided to me. I am formally requesting that all forms of communication cease and desist effective immediately, XXXX XXXX due to harassment and unprofessional techniques used to collect a debt that has not been verified. 
A second company representative for XXXX, XXXX XXXX XXXX has also claimed that I am refusing to handle the debt because I would not provide my banking information over the phone and demanded that a payment be made within XXXX hours only by providing my banking information. No payments would be accepted by mail or certified payment. The communication has led to months of harassment without resolution. I do not believe that XXXX, XXXX XXXX XXXX should be allowed to pursue legal action such as filing a judgment, garnishing my wages or off-setting personal income tax refunds for an inaccurate debt that I do not owe them, and the original creditor has failed to provide records for the original account reflecting all payments made. The original creditor, XXXX XXXX XXXX XXXX is currently in the process of being investigated by the XXXX  XXXX  XXXX XXXX. Any previous agreements were made to a representative who was falsely claiming to be a law clerk and the original agreement of dropping the debt to {$1700.00} dollars with an initial payment of {$200.00}, and {$1500.00} thereafter is null and void due to violation of FDCPA Section 805.b.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase approved someone with my card info to withdrawal money from and atm inside their bank that is in another state other than the one I am in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I checked my Wells Fargo Savings Account to find {$2600.00} removed from my account under a legal order debit associated with court officer XXXX XXXX whose phone number is XXXX. This happened on XX/XX/scrub> XXXX XXXX They gave me a case number as well, and I can provide that later if needed. An additional {$120.00} fee was removed from my account as well for the legal order by my bank. I was not previously warned about this, I didn't get any notices in the mail or by email or by phone, I have looked through all my debts and credit history, and there is nothing I am behind on. It was unknowingly removed from my savings account without my permission or awareness. I can not contact the court officer until Monday at XXXX when they open because it is a Saturday. Not to mention I live in Maryland and the legal order came from XXXX XXXX where I have not lived or had as my permanent address for at least three years. This has to be a mistake and I want my money back. I called Wells Fargo to make sure all of this was documented and have a confirmation number proving that if that is needed later as well. I checked and updated all of my info through the IRS to make sure I am up to date on taxes. We have an accountant and are up to date on all of that as well. Any actions I have taken have been Saturday XX/XX/scrub>XXXX XXXX  but the initial charges happened XX/XX/year>.

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 monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I requested that Equifax Credit Bureau investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXXThank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-03-01 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: GA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had a credit card for my business with XXXX. They closed down and I am guessing that XXXX XXXX took over. I was not aware of this until I saw a derogatory mark on my credit score for a late payment to a company I never shared my information with nor did I make any sort of agreement with. 

I do not feel comfortable sharing my information with them due to the large number of complaints about them. 

I would like to figure out a way to make this work and remove the " late payment '' 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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had a credit card for my business with XXXX. They closed down and I am guessing that XXXX XXXX took over. I was not aware of this until I saw a derogatory mark on my credit score for a late payment to a company I never shared my information with nor did I make any sort of agreement with. 

I do not feel comfortable sharing my information with them due to the large number of complaints about them. 

I would like to figure out a way to make this work and remove the " late payment '' 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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had a credit card for my business with XXXX. They closed down and I am guessing that XXXX XXXX took over. I was not aware of this until I saw a derogatory mark on my credit score for a late payment to a company I never shared my information with nor did I make any sort of agreement with. 

I do not feel comfortable sharing my information with them due to the large number of complaints about them. 

I would like to figure out a way to make this work and remove the " late payment '' from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
Please Delete these accounts immediately from XXXXXXXX XXXX  for {$7100.00} and {$6900.00} as they were opened fraudulently. Several times I've reached out to your company over the phone. And Equifax has failed to send me a proper full investigation as to how these accounts were actually verified as accurate. Therefore, you're in violation of the FCRA. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement or delete these accounts.

Company response to consumer: Closed with explanation