vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: AR

Complaint narrative:
Im fairly new to credit discipline while obtaining and weighing options. This event was less than 24hrs ago. Date being XXXX I was entertained as to this being a soft pull not to actually apply but to my knowledge it was immediately a hard pull upon a click. I applied for an auto loan with XXXX, believing i was eligible for pre-approval based on their promotional communication. XXXX email implied i could explore loan options and adjust terms without a significant impact on my credit report. However, my application was denied, and a har inquiry was placed on my credit report. I later received an email from XXXX suggesting that I could apply for a lower loan amount, but as the hard inquiry for my initial application has already impacted my credit score, outweighing the importance of the proposed option. I feel misled about the process, as I did not intend to proceed in a manner that would lead to a hard inquiry without clearer terms. I am seeking the CFPB 's assistance in addressing this matter, ensuring fair practices and removing this unnecessary hard inquiry from my credit report.

My second complaint was
Flagship Credit Acceptance I have filed every way i could with the credit bureaus online etc etc. This information seems to hunt me and even on a closed paidoff account they are still reporting late payments and its been charged off and paid in full since 2019. Ive sent in the Title to show that I have access to evidence of an account being paid in Full. This account is negatively affecting account and credit score it was recently updated with an online dispute trying to correct it and imediately 64 late payments and thats insane.

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 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2024 a fraudulent check was cashed on my business bank account checking account at Chase Bank. My spouse saw this fraudulent check go through and notified them on XX/XX/2024. I filled out and submitted their " Unauthorized signature or forged item declaration '' paperwork, took it into the branch on XX/XX/2024to the chase branch at XXXX XXXX XXXX XXXX XXXX XXXX. They said we needed to file a police report, which we did on XX/XX/2024 and got the report XX/XX/2024, took it to the branch on XX/XX/2024. Chase said they couldn't help us without a police report. 

As of XX/XX/2024, I've now been given the run around by Chase Fraud department on 3-4 different occasions. They tell us they have everything XX/XX/2024 at the branch when XXXX XXXX from the Chase branch called in. At that time I was told it would take 3-5 business days to resolve. We spoke to the fraud department on XX/XX/2024, they said it would be resolved XX/XX/2024. 

Today I called and the fraud department is now claiming they can't do anything because they still have not received the police report. We are still out {$7200.00} because Chase cashed a check against our account that was fraudulent and is refusing to do anything to help us get the funds back. I'm tired of hearing one excuse after another.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2024-12-28 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section XXXX ( b ) ). 
XXXX communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section XXXX ( c ) ). 
Harassment under 15 USC 1692d ( Section XXXX ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section XXXX ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section XXXX ( c ) ). 
Harassment under 15 USC 1692d ( Section XXXX ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately 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 2024-12-28 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: MI

Complaint narrative:
This letter serves as a formal notice and demand for the immediate removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft, as authorized under 15 U.S.C. 1681c-2 ( a ), and I invoke my rights under the Fair Credit Reporting Act ( FCRA ) to have these fraudulent items permanently removed.

The following fraudulent accounts and inquiries have been identified as a result of unauthorized activity : Accounts -XXXX XXXX  Account Number XXXX Date Opened : XX/XX/XXXX. 
XXXX XXXX  Account Number XXXX Date Opened : XX/XX/XXXX Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Supporting Documentation I have included the following evidence to support my claim : 1.FTC Identity Theft Report : Detailing the fraudulent activity and confirming my identity theft case.

2.Proof of Identity : A copy of my government-issued ID and a utility bill confirming my address.

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 2024-12-28 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:
This letter serves as a formal notice and demand for the immediate removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft, as authorized under 15 U.S.C. 1681c-2 ( a ), and I invoke my rights under the Fair Credit Reporting Act ( FCRA ) to have these fraudulent items permanently removed.

The following fraudulent accounts and inquiries have been identified as a result of unauthorized activity : Accounts -XXXX XXXX Account Number XXXX Date Opened : XX/XX/XXXX. 
XXXX XXXX  Account Number XXXX Date Opened : XX/XX/XXXX Inquiries XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax Supporting Documentation I have included the following evidence to support my claim : 1.FTC Identity Theft Report : Detailing the fraudulent activity and confirming my identity theft case.

2.Proof of Identity : A copy of my government-issued ID and a utility bill confirming my address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to report an issue regarding the bonus points offer I received for my Chase credit card. The offer stated : " Book now through XX/XX/XXXX, and you'll earn XXXX bonus points for purchasing a hotel. XXXX by XX/XX/XXXX, to get rewarded. '' I completed my hotel booking and traveled in XX/XX/XXXX, meeting all the stated conditions. However, I have not yet received the XXXX bonus points as promised. 

Please investigate this matter and let me know if any additional information is needed to resolve this issue. I look forward to your assistance in ensuring the reward is credited to my account. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
somene has been applying for credit using my personal information and also there are incorrect address listed on my credit report that experian and equifax is refusing to remove. i have called them many times to report that problem but they are refusing to remove the inquires and the fraudulent address.and transunion is refusing to remove all the fruadulant inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: AZ

Complaint narrative:
somene has been applying for credit using my personal information and also there are incorrect address listed on my credit report that experian and XXXX is refusing to remove. i have called them many times to report that problem but they are refusing to remove the inquires and the fraudulent address.and transunion is refusing to remove all the fruadulant inquires

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 2024-12-28 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: VA

Complaint narrative:
I am writing to inform you that I am a victim of a XXXX XXXX. As a result, I am requesting that 
the following accounts be blocked and deleted from my credit report as they were fraudulently 
opened without my knowledge or consent. This request is made pursuant to XXXX XXXX XXXX(a) and FCRA  605(b).
Fraudulent Accounts: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: VA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach. As a result, I am requesting that 
the following accounts be blocked and deleted from my credit report as they were fraudulently 
opened without my knowledge or consent. This request is made pursuant to XXXX XXXX XXXX(a) and FCRA  605(b).
Fraudulent AccountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized XXXX reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-12-28 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized XXXX reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
According to the XXXX XXXX ( XXXX ) Forgiveness, If you repay your loans under an XXXX plan, any remaining balance on your student loans will be forgiven after you make a certain number of payments over 20 years, qualify for including full loan forgiveness. 
I have an XXXX XXXX XXXX Loan that qualifies since is undergraduate degree and has been more than 20 years, it is actually for 26 YEARS SINCE XXXX. 
The loan was in XXXX  and consolidated 2 years later. The loan qualifies for total and full loan forgiveness. It is a total of {$26000.00} ( the original amount was {$11000.00}. 
The loan services is AidAdvantage XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Attempted to pay my loan off in full before the due date ( due date XX/XX/year> ) Paid full amount of {$5600.00} on XX/XX/year>. 
A full WEEK later ( XX/XX/year> ) received notification from Nelnet that my payment " could not be processed '' and they have now tacked on a late fee and additional interest to my total balance. They included no additional information about why my payment was denied. 
Website has no separate full pay off link, must be done through regular payment portal. 
Bank did not deny payment, it never even went through and yes, the routing and account numbers were entered correctly. 
Now, Nelnet is saying I owe them {$5600.00} ( a small increase but it's the principal! I paid them!!!!!! )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NH

Complaint narrative:
I have included the information provided by the loan servicer that is trying to get me to pay my student loans from XXXX  all over again. They did not submit my payment history for which the federal website proves I paid faithfully from XXXX. XXXX serviced my loans and failed to record payments apparently. I have provided the only info that I could find after all this time to prove I paid. I want them off my credit report without having to incur the cost of taking them to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: CCS Financial Services, Inc.
State: AL

Complaint narrative:
My FTC Report Number XXXX I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), a Credit Card account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ) and a XXXX XXXX XXXX account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
My FTC Report Number XXXX I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXXXXXX XXXX XXXX  on XX/XX/XXXX, under the account number ( XXXX ), a Credit Card account opened at Capital one on XX/XX/XXXX under the account number ( XXXX ) and a XXXX XXXX XXXX account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
My information was involved in multiple data breaches and the amount of the debt is an amount I have never seen or heard of before.

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