vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
someone used my personal information to rent a apartment unit I was not aware of this company allowed this happen without any verify methods informed. I was not aware of this property until it showed up on my credit report I have never signed an agreement with this company and I have no knowledge of this account. I have reached out directly on numerous of occasions and didn't hear back from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: I.C. System, Inc.
State: TX

Complaint narrative:
Letter to Credit Bureau XXXX XXXX XXXX Credit Report File Date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX NAME OF CREDIT REPORTING AGENCY XXXX XXXX XXXX XXXX : Complaint XXXX RE : Credit Report Dispute ( XXXX ) Dear ( XXXX XXXX, This letter is to serve as a formal dispute regarding inaccurate information contained within my credit report file with your agency. 

I have identified herein the items that I am disputing : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX The items I dispute are also circled on the attached copy of the credit report file I received. This is ( INACCURATE OR INCOMPLETE ) because I never had an apartment at XXXX apartments in my life, therefore this was fraudulently opened. 

I am requesting that the items be deleted ( OR REQUEST A SPECIFIC CHANGE ) to correct the information contained within my credit report file. 


Please investigate this matter and ( DELETE OR CORRECT ) the disputed items 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 explanation
Consumer complaint received 2023-09-25 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: MN

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 explanation
Consumer complaint received 2023-09-25 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: NV

Complaint narrative:
After looking over a copy of my credit report I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC 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 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I purchased 4 air tickets from XXXX, CA to USA with Chase XXXX card on XX/XX/2023. The flights supposed to depart on XX/XX/2023, but due to severe weather, XXXX XXXX cancelled that and provided alternative flights taking us back to USA 2 days later. This is a typical Trip Interruption case which is covered by the CHASE XXXX XXXX benefit, on 'Chase Guide to Benefits ', page 32, What Losses Are Covered? Severe Weather, which prevents a reasonable and prudent person from beginning or continuing on a Trip... We should be reimbursed for the lodging, meal and transport cost during the trip interruption, and it is exactly why used Chase XXXX card to buy the tickets at first time. 

But when file the claim to the Card Benefit Service ( XXXX ) asking to cover the cost of {$1300.00} during the trip interruption, the company just tried best to prevent honoring the claim. First, I filed a claim on the website with all the necessary evidence, and got an email saying the trip delay is not covered and closing the claim. I called the customer line, the agent admitted that was a mistake and asked me to refile a claim. But the system does not allow that and I had to call the customer line again. They first said will modify the claim on their side, then no feedback. Waited and called again, and was told that the claim was closed again cause the benefit does not cover that ... .. For the past couple months, I have spent so much time and energy calling the customer service, but again and again, the agents just promised to resolve, let me wait, no feedback, put me stay in the same cycle. Couple times, the agents just hung on me directly, and obviously, they do not want to resolve the problem and keep the promise what the CHASE XXXX XXXX made as the trip interruption insurance coverage. My claim number filed on XXXX is XXXX. 

I filed a claim against Card Benefit Service ( XXXX  ) through the XXXX XXXX XXXX but the company did not even response to XXXX XXXX request. So I think of CFPB, Please help to resolve this problem to protect our customers. Companies need to keep their promises instead of fooling customers. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX 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 2023-09-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
QVC Credit card ( QCard ) company claimed, per a XX/XX/XXXX letter, that after careful review, they decided to close my account due to two XX/XX/XXXX and XXXX {$50.00} extra ( in addition to my timely monthly minimums ) payments did not clear my bank. 

No careful review occurred because prior to XX/XX/XXXX, no payments were ever rejected!!!! 

Unfortunately, due to apparent discrimination ( ex.name profiling ), QCard could have at least first sent a letter of warning so that I could have a chance to show proof of my checking account funds availability that would have honored my {$50.00} payment! But instead they acted with malice in their attempt to cause me financial harm and canceled my Qcard. Very bad customer service.

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 2023-09-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I leased a car from XXXX nissan on XX/XX/, I was approved for the loan and was told that I will need insurance to insure the vehicle, I purchased business insurance for the vehicle and XXXX nissan could not get my car registered with the business insuance card because it showed my business name, the car salesman forged the insurance card document, took off my business name and left my first and last name, I called XXXX nissan about this and the dealership denied this, the insurance card I sent into XXXX nissan isn't the same insurance card they used to register my vehicle, this constitutes as fraud and criminal, my insurance was closed because of the XXXX nissan forging documents. any forged documents with in a contract makes the contract null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: NV

Complaint narrative:
I recently took the time to review a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC 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 2023-09-25 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: NV

Complaint narrative:
I recently took the time to review a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: NY

Complaint narrative:
These are the list of hard inquiries on my credit report I'm not aware of : XXXX. XXXX XXXX inquiry date XX/XX/2023 XXXX XXXX XXXX inquiry date XX/XX/2023 XXXX XXXXXX/XX/XXXXinquiry date XX/XX/2023 XXXX. XXXX XXXX inquiry date XX/XX/2023 XXXX. XXXXXXXX XXXX inquiry date XX/XX/2023 XXXX. XXXX XXXX inquiry date XXXX. XXXX, 2023 XXXX inquiry date XX/XX/2023 XXXX. XXXX XXXX XXXX inquiry date XX/XX/2023 XXXX. XXXX XXXX XXXX ; XXXX XXXX  XXXX XX/XX/2023XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: NV

Complaint narrative:
After looking over a copy of my credit report I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC 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 2023-09-25 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: NV

Complaint narrative:
After looking over a copy of my credit report I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: NJ

Complaint narrative:
These unauthorized inquiries are reporting on my profile and are preventing me from opening new credit : XXXX XXXX XXXX XXXX XXXX They are also reporting my name misspelled as XXXX XXXX XXXX and XXXX XXXX XXXX My name is spelled XXXX XXXX XXXX. 

They are also reporting a wrong address on my report. That address is XXXX XXXX XXXX XXXX XXXX XXXX My correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: NV

Complaint narrative:
I recently took the time to review a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC 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 2023-09-25 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: EdFinancial Services
State: DC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Edfinancial Services, a financial company that handles my student loan payments. My complaint pertains to severe payment processing issues that I have been experiencing over the past month, which have caused significant financial and emotional distress. 

Below, I have outlined the details of my grievance : On XX/XX/2023, I initiated a payment of {$3500.00} towards my student loan account with Edfinancial. 

On XX/XX/2023, I made an identical payment of {$3500.00}, believing that the first payment might not have gone through. 

On XX/XX/2023, I made a third payment of {$3900.00}, with the intention of ensuring that my payments were up to date. 

On XX/XX/2023, I attempted to make yet another payment of {$4200.00}, hoping that this would resolve the situation. 

Despite making these payments, I have received no confirmation or acknowledgment from XXXX beyond a receipt email that my payments were received and applied to my account. This lack of communication and transparency is deeply concerning. 

Moreover, when I attempted to contact Edfinancial to inquire about the status of my payments and seek a resolution, I faced extreme difficulty in reaching their customer service representatives. On the rare occasions when my calls did go through, I was met with unprofessionalism, as I was hung up on without any attempt to address my concerns. 

As a responsible borrower, I also contacted my bank to verify whether these payments were processed successfully or if they were flagged as fraudulent. My bank confirmed that none of the payments I made to Edfinancial have been processed or withdrawn from my account. This further indicates that Edfinancial has not fulfilled its obligation to process my payments appropriately. 

While Edfinancial fails to process my payments, my student loan account continues to accrue interest on the principal loan amount. This situation has placed me in a precarious financial position and is causing undue stress and anxiety. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Edfinancial Services for their failure to process my payments and provide adequate customer service. I also request that Edfinancial be held accountable for any financial losses or damages I may incur due to their actions. 

I am more than willing to provide any additional information or documentation that may be necessary for your investigation. 

I sincerely hope that the Consumer Financial Protection Bureau will address this matter promptly and ensure that Edfinancial Services adheres to the necessary standards of conduct and customer service. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
I, XXXX XXXX am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Sir or Madam : PLEASE HAVE THE FOLLOWING accounts deleted due it was someone else name put on my credit XXXX XXXX is NOT MY NAME and her account was on my credit. 
Please delete the following accounts immediately 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 I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

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 2023-09-25 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation