vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
I took out a {$6000.00} loan from One Main Financial. I made a payment of {$240.00} for at least a year before defaulting. After an extended period of time, I settled the loan for {$5.00}. Im not receiving a 1099-C for a cancellation of debt in the amount of {$2800.00}. I have paid the debt in full so I believe I should not have to pay taxes on fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RSH & Associates, LLC
State: MO

Complaint narrative:
I DISCOVERED VIA MY CREDIT REPORT FRAUD ACCOUNTS THAT I DID NOT OPEN, I THEN CONTACTED THE COMPANIES AS WELL AS THE THREE MAJOR CREDIT REPORTING AGENCIES. TO MY DISMAY, THREE COLLECTIONS AGENCIES ARE STILL TRYING TO COLLECT ON THESE FRAUDULENT ACCOUNTS. I SENT TO THE CREDIT AGENCIES A LETTER AS WELL AS AN FTC REPORT AND A POLICE REPORT AND STILL, THESE COMPANIES ARE TRYING TO COLLECT MONEY ON AN ACCOUNT THAT IS NO MINE. XXXX XXXX XXXX FOR $ XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX FOR {$1100.00} ACCOUNT NUMBER XXXX XXXX & XXXX XXXX FOR {$450.00} ACCOUNT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX a return deposit of {$5300.00} was withdraw from my account. The money was never deposited. A check with false information was made out to me, and someone forged my signature. The check they wrote was all fraudulent, from the company name, address, bank etc. I went to Truist on the XXXX of XXXX and started a claim with the fraud department I received a letter in the mail on XX/XX/XXXX dated the XXXX stating that Truist denies my claim. Back to the bank XX/XX/XXXX to discuss this matter with the relationship Banker, she called the fraud department and reopened the claim. I am to meet with the Banker on 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 monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
I recently received a copy of three of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Someone stole XXXX Chase XXXX XXXX XXXX XXXX from my mailbox. I am not sure if it was a postal worker or if it was an actual Chase XXXX personnel. I applied for the credit card XX/XX/2022, and on XX/XX/2022, I received a notification that the card would be mailed XXXX days. I NEVER received the card. This has resulted in fraudulent charges on my credit card, that I never received. I am still currently disputing this as theft with Chase today. 
I have emails from the Fraud department asking me if I authorized this transaction, to which I clicked " No ''. The email was on XX/XX/2022, from the XXXX email : Declined transaction to XXXX XXXX  was made for {$400.00}. Once I selected the button " No, Something's Wrong '' a second automatic card was mailed out to me on XX/XX/XXXX. Another card that I NEVER RECEIVED. 
I contacted the XXXX department with an online inquiry on XX/XX/XXXX ( ref # XXXX ) reporting the mail theft. 

The fraud department called my house stating that someone was trying to commit fraud on my card. I spoke to a representative and let her know that I did not make any purchases and that I never received the card. I was told that it would be taken care of, and I didn't have to worry. However, several weeks later I received a bill in the mail. 
I called numerous times to report this as fraud, and after Chase XXXX 's " investigation '' they added the charges back to my card. I spoke to a representative named XXXX and he advised me to make a police report for a federal crime ( mail theft ). I was also advised to submit evidence to Chase that these charges were fraudulent. After calling the police department I was advised to make a claim through the USPS ( which I did again ). I emailed the USPS case ref # and the Fraud Alert emails to the XXXX email on XX/XX/2022 and NO ONE RESPONDED OR CALLED ME. I have NEVER had to go through this before with any other company. This is sad. The worst part about this is, I have excellent credit. I have another card with XXXX through Chase and its ALWAYS paid off. I do not understand why the Fraud/Recovery department did not do their job. This matter has not been resolved and it's been 7 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Credit Services Inc.
State: FL

Complaint narrative:
XXXX phone # ( XXXX ) XXXX is Reporting FIRST CREDIT SERVICES on my credit report this is a fraud account please remove thank you. 


Original creditor name XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, 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: TX

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


XXXX - Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXXXXXX - Account XXXX has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

These Credit Inquiries has violated my rights 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
We had a person living in our household to help them out. NOT a family member. This person took out a Sallie Mae Student loan in XXXX. Shortly afterward this person moved out of our home and apparently has not kept to their loan agreement. Since they lived in our home, I have been receiving calls looking for them. I informed we no longer have any contact with this person to stop calling. 

This is what broke the camel 's back. It was bad enough I received numerous calls throughout the years, however now my family members are receiving calls as well. On XX/XX/XXXX, I called Sallie Mae and informed them to stop calling and they asked for the numbers that were being called. Advised. I told them this is not the first request, and they are breaking the law by not complying. XXXX XXXX XXXX I received a voice mail demanding a message to be given to this party. 

I want the calls to stop, we have nothing to do with this debt nor this person,

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Someone else tried to open XXXX credit cards so far and they are denied due to my XXXX XXXX. I've reached out to banks and credit companies The banks are XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX American express XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Someone else tried to open 3 credit cards so far and they are denied due to my credit score. I've reached out to banks and credit companies The banks are bank of america XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Someone else tried to open 3 credit cards so far and they are denied due to my credit score. I've reached out to banks and credit companies The banks are bank of america XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST MERCHANTS CORPORATION
State: MI

Complaint narrative:
In XX/XX/2022 I wrote a {$2500.00} check from my business account, payable to a Vendor that my company has made payments to before. The vendor sent me a reminder notice that they had not received my payment, however, according to my bank records the check was cashed. The check was stolen and cashed by an unknown person. Even though the check was addressed to a business, from a business, somehow an individual 's signature was endorsed on the back and the funds were withdrawn from my account. I first called the Bank XXXX # for guidance. They told me to go into the branch and file the necessary paperwork to start an investigation. I went into the branch, filed ALL of the requesting documentation, including a statement from my Vendor attesting that they never receive the check. Was advised that this could take up to 3 months to resolve. It is now going on Month 4 without a resolution. When I call the Banks XXXX number, they tell me to go to the branch. When I go to the branch, they call a number and tell me that all my paperwork is in order, and that they were just waiting for payment from the Bank that cashed the check in error, before they can put the funds back into my account. Was told that I should hear something soon. That has been more than a month ago. I can not get a response from the Bank that clearly tells me the status of this matter, even after 4 months and counting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion phone # ( XXXX ) XXXX is Reporting XXXX XXXX XXXX XXXX XXXX phone # XXXX to my credit report this is a fraud account please remove off my credit report thank you. 


According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the 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 non-monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit Bureau stated my accounts were properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal and they also violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

Attach is first letter I sent stating this and copy of certified letter receipt showing they signed. 
I sent letter on XXXX XXXX  and it was received on XXXX XXXX  I received a letter in the mail stating they were not going to investigate because it looks like the letter didn't come from me. I called and assured the rep it came from me and she would put dispute in I called around the XXXX of XXXX to check status rep told me they were not disputing again because everything is verified but as you can see below reports are not showing 100 % accurate

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