vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MO

Complaint narrative:
I received an email stating a derogatory mark has been added to my credit report. I looked at the email and it said Jefferson Capital Systems, a dept collector has added a derogatory mark and the original creditor was XXXX  and the account was opened in XX/XX/2023. I was surprised because I have never heard of Jefferson Capital Systems nor have I ever received mail or phone communication regarding any debt. I have had XXXX XXXX for over 5 years now and have not had XXXX  since before that and was under the impression that when I switched carriers I was on good standings with XXXX  because they have never sent me ANY past due bills. So you can imagine my surprise when over 5 years later I get a delinquency reported to my credit report. I called Jefferson Capital Systems at the number listed on the report at ( XXXX ) XXXX. After reaching an agent I asked why they reported a delinquent account without sending me any information. I havent received any mail or calls. The agent had no answer and also no answers about the debt. They wanted me to subscribe to verify identity for {$1.00} for first 7 days and {$29.00} a month after that. I told the agent I did not feel comfortable giving them information containing my credit card/banking info. The agent says you have to subscribe or I cant tell you the information and this is after already verifying information with the agent on the phone. If the debt is mine thats fine I would pay it it but I want it removed from my credit report because Ive had no notice of the debt at ALL! I should not be punished because this debt collection agency is not doing their job correctly. Also I called XXXX ( owner of XXXX  ) and gave them my social security number to see if Ive ever had any debt with them or XXXX  and they could not find any information at ALL! So how can i verify the debt is even mine?!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
We have our account set up for automatic monthly payments + {$100.00}. So far, every month, the autodraft has not included the extra {$100.00}. Even so, the principal balance should not be going up while we are making payments on it. 

The autodraft went through on XX/XX/XXXX. I have included a screenshot of our checking account activity for that week. In it, you can clearly see a payment of {$690.00}. At the end of XXXX ( I believe it was the XXXX ), I noticed that our loan account was flagged as 19 days delinquent. Our statement ( XXXX nonsense round XXXX ) showed a number of payments and reversals that are in no way reflected in our checking account. We called Wells Fargo, and were told that they could see the error, and would investigate. They expected it to take 5 business days, and we would receive something in the mail. We never received any mail. 

The autodraft for XXXX did not go through on the XXXX. We called on the XXXX, and were told that it was because the system erroneously believed we had made extra payments in XXXX, and had no balance due. I specifically asked if I should make a payment, and was told not to by a Wells Fargo employee. We were told that she was opening a second investigation into our account, which would take 5 business days. 

On the XXXX, our account was again flagged as delinquent. We called Wells Fargo and made a payment over the phone, and were again told that our account was being investigated to see why this was happening. 

Today, on the XXXX, our loan account shows an increasing number of fake transactions on the XXXX ( XXXX nonsense round XXXX ). Again, none of these transactions are in any way reflected in our checking account. This appears to be a system error entirely on the loan account. 

Adding insult to injury, I am including our statements from XX/XX/XXXX and XX/XX/XXXX, as well as a screenshot from our loan account page. The principle balance in XX/XX/XXXX was {$22000.00}. As of this morning, it is {$23000.00}. 

We made payments in XXXX and XXXX. Why do we owe more money now than we did in XXXX? 

We no longer have faith in Wells Fargo correcting this error. We need the Consumer Finance Protection Bureau to step in and make this right.

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 2024-02-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove these inquiries from my report As pursuant to 15 U.S.C. 1681b section 604 ( C ) ( 3 ) of the fair credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Please provide me with strict proof I authorized these inquiries such as a application bearing my wet ink signature, contract or recorded telephone call.. In accordance with the fair credit reporting act public law 91-506, title VI, section 611, subsection A-D, I demand you provide actual proof the information was verified and not a computer generated confirmation. If you are unable to provide any of the above please delete all inquiries immediately -Clarity services a part of Experian XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Tx XXXX on behalf of cash advance now ; XXXX XXXX XXXX XXXXXXXX, XXXX MT XXXX date- XX/XX/2022. 

- Clarity services a part of Experian.. On behalf of XXXX XXXX XXXX . date XX/XX/XXXX  -Clarity services a part of Experian. On behalf of XXXX XXXX. date XX/XX/2022 -Clarity services a part of Experian. On behalf of XXXX. date XX/XX/2022 -Clarity services a part of Experian. on behalf of XXXX XXXX.. date XX/XX/XXXX  -Clarity services a part of Experian.. On behalf of XXXX XXXX.. date XX/XX/XXXX  15 U.S.C 1681 section 602 A. states i have the right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-02-16 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-02-16 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: Kikoff Inc.
State: MO

Complaint narrative:
I have contacted this company many many times, I just turned XXXX in XXXX of XXXX  which makes this debt one illegal and 2 I have no clue about it I asked for the debt validation letter and they sent me some other dudes debt letter they have ignored the request and I am about to file against them if this matter isnt resolved, there also falsely reporting on my credit changing the balance back and fourth to hurt my credit even more, I have offered to pay the {$9.00} they claim I owe but wont take anything but a money order and I have no way of getting a money order to them. They also keep calling me XXXX I have no clue who that is and also sent me someone elses credit information. This is absolutely illegal and disgusting to do to a XXXX XXXX XXXX. this is gon na have to be the 3rd agency Im gon na have to file against over {$9.00} dollars. THATS literally insane and I literally just turned XXXX  how would I have debt from 2 years ago? Not possible. All they send me is payment history and loan agreement past that they refuse to even provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Climb Credit Inc.
State: NJ

Complaint narrative:
Both XXXX and XXXX show that I have an open line of credit from a lender called Climb Credit. I never opened this line of credit. I never received a bill or statement from this lender. The website looks rather fishy. On my credit reports it shows that I am late in submitting payments to Climb Credit. I apparently have a balance of about XXXX USD. 

I submitted two disputes to XXXX and they both stated that the information and creditor is legit. I can not submit a dispute on XXXX because the dispute site is always down. 

Once again, I never opened nor have done business with Climb Credit. I tried to remove them from my account and have failed. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX Last Four of XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Dispute of Collection Account on Credit Report Dear Consumer Financial Protection Bureau , I am reaching out to formally dispute the collection account on my credit report, specifically reported by ( CREDENCE RESOURCE MANAGE with a balance of {$270.00} ). My concern lies in the potential violation of the Fair Debt Collection Practices Act ( FDCPA ), particularly under 12 CFR 1006.34. 

I would like to draw your attention to the following issues : 1. Failure to Provide Validation Information : XXXXXXXX XXXX XXXXXXXX, as per 12 CFR 1006.34 ( b ) ( 5 ), has neglected to furnish the necessary validation information despite adding a collection entry to my consumer report. I kindly request your assistance in encouraging them to provide the required validation information for the disputed account. 
2. Denial of Dispute Opportunity : I have not been granted the opportunity to dispute the account, as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). It is crucial that I am afforded my right to dispute the accuracy of the reported information. 
3. Violation of Consumer Rights : There are allegations that XXXXXXXX XXXX XXXXXXXX may be in violation of my consumer rights by engaging in false, misleading, misrepresentation, and deceptive practices. I seek your assistance in prompting them to cease such actions immediately and adhere to the guidelines set forth by the FDCPA. 
4. Failure to Provide Disclosures : The agency seems to be in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) by providing the account to consumer reporting agencies without the necessary disclosures required by law. I request your support in urging them to rectify this violation promptly. 

I kindly request the Consumer Financial Protection Bureau to investigate the disputed account, encourage XXXXXXXX XXXX XXXXXXXX to provide the validation information required by law, and promptly address any inaccuracies on my credit report. 

I appreciate your attention to this matter and request that you keep me informed of any actions taken. Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I had a best buy card thru citi. I became late and it was in charge off. I worked out and agreement for a XXXX percent settlement with citi with XXXX payments. I paid XXXX monthly for XXXX months but the last payment was during covid and they agreed to break that remaining portion into smaller XXXX payments because of job lose during covid shutdowns. I paid the amounts and citi was waiting the remaining XXXX on the account and said it was in good order. They then apparently sold the amount they waived off to XXXX XXXX XXXX and they have refused to verify the remaining debt is mine. They only send a old copy of the statement from when I was still repaying the settlement and a letter that says they bought the debt. The remaining XXXX was to have been forgiven as the agreement was I pay XXXX percent of the balance and citi would report the account as payed as agreed on the credit report. Instead they sold the remaining XXXX and won't fix the issue.

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 2024-02-16 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: IL

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2024-02-16 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
XXXX/XXXX ACCOUNT NUMBER : ... XXXX NEVER BEEN LATE XXXX XXXX XXXX ACCOUNT NUMBER : ... XXXX NOT MINE I DON'T RECOGNIZE THIS ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: IL

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2024-02-16 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: IL

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-02-16 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: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided 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 2024-02-16 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: IL

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

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 2024-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XXXX  we have conducted the payment in the amount of XXXX USD from my account with XXXX to account of XXXX XXXX opened with XXXX XXXX XXXX  . JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, XXXX  XXXX was designated under the XXXX XXXX XXXX. Considering this, my payment was blocked by intermediary bank on XXXX. 
On XXXX I applied to XXXX for a license to unblock my funds. On XXXX  we have received license XXXX XXXX : authorizing JP Morgan Chase Bank to return the funds to the originator. 
On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX  informing them on the fact of issuance of the above mentioned license and asking them to release the transfer to Beneficiary PRODUCTORES XXXX XXXX XXXX, XXXX. Still, JP Morgan Chase Bank has not responded. Thus, the transfer is still processed in accordance with the original payment even having the license authorizing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided 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 non-monetary relief