vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: SC

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and that fraudulent accounts have been opened in my name without my consent. As a result, I am requesting that all of the following accounts be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$260.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$380.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$160.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$140.00} XXXX  - XXXX - XX/XX/XXXX - {$140.00} XXXX AUTO XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$240.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I strongly dispute the validity of this account as reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information from my credit report to reflect the true status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I noticed that I had a claim on my XXXX health insurance for medical expense that was not mine with a copay of XXXX dollars. I am single and have no one else covered by my medical insurance. I contacted XXXX via chat to report that the claim was made incorrectly. I found out that it was for an emergency room visit on XX/XX/XXXX for XXXX pain. I informed XXXX that on XX/XX/XXXX, I was with my family at my father 's side in his assisted living facility. He passed away the next day, on XX/XX/XXXX. I was not in the hospital nor have I ever been in a hospital for XXXX pain. I thought that the insurance company had taken care of this. I don't recall hearing back from XXXX. I also don't recall ever receiving a bill for the XXXX dollars from a hospital, doctor, etc. I also do not recall receiving any sort of bill from a collections agency until I received XXXX text messages ( XXXX on XX/XX/XXXX and the other on XX/XX/XXXX ) from Central Portfolio Control , Inc. I thought that these messages were something fraudulent, as I was not aware of any outstanding debt and receive many spam/phishing type messages. I pulled a credit report last night, XX/XX/XXXX, as the result of a second financial incident with XXXX bank, and when I did so, I found that there was a collection against my credit. I contacted the company that sent the texts and was told that the collection was for medical billing from a doctor named XXXX XXXX for an appointment on XX/XX/XXXX at XXXX XXXX 's. Because the date was the day before my father died, the issue with XXXX came back to my memory. I obtained the XXXX from that timeframe along with the chat with the agent where I reported the fraud. The collections agent told me that he could not remove the charge until I filed a report with the police and obtained an affidavit of fraud that was to be emailed to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: IN

Complaint narrative:
Subject : Request for the Removal of Charge off accounts due to inaccuracies and discrepancies. 
Dear Transunion, I am writing to formally Request the Removal of inaccurate Charge off accounts from my credit file, as detailed below. These accounts are reporting in error and do not reflect the accuracy status of my financial credit history. 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$1000.00} XXXX XXXX  Open date- XXXX XXXX Balance {$940.00} XXXX Open date- XXXX XXXX Balance {$1500.00} XXXX Open date- XX/XX/XXXX {$5000.00} I have previously requested XXXX regarding the reinvestigation method of Verification process for these accounts, as provided under the FCRA. Unfortunately, I have not received the necessary documentation to support the accuracy of these accounts. As per the FCRA, Transunion is required to provide me with the description of the procedure used to determine the accuracy and the completeness of the information including the name of the company, address, phone number, who performed the process, and the individual 's title during the reinvestigation process. The lack of this documentation raises concerns regarding the validity of these Charge offs. Given these inaccuracies and failure to provide the requested verification. By FCRA Laws, Transunion MUST remove these chargeoffs from credit file immediately. 
Sincerely, 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 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XX/XX/year>, this Business Credit has been charged off and violate the Credit Reporting Act by reporting a Business credit card on my name that my social security did not attache to it, this account has been Charged off, a balance still show on my credit report that I owe this alleged debt. By law this debt balance should be XXXX because this account is charged off. The Bank charged off the account and never report it to IRS, it is Illegal to charge off an account and do not send me my 1099C. I would like to receive my 1099C Cancelation of debt, if the bank can not provide this Cancelation form 1099C within 15 days, the charged off need to be remove from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I was a victim of identity Theft. Someone has used my personal information to fraudulently to open accounts using my social security number and my identification. This situation at the end of last year XXXX in XXXX. I request the following information be removed from my credit report. As per the Fair Credit Reporting Act 15 USC section 1681c-2 ( Blocking of information resulting from Identity theft 605B, I demand this item be blocked and removed from my credit report. I have been fighting for the las 11 months, sent police reports and multiple letters with those reports to XXXX and every time these people change the balance owed and the account still shows hurting my credit report. I am in the middle of refinancing my house and I have not bein able to because they keep on reporting this debt on my file. Here is the name and the amount they claim I owe them : MONTEREY COLLECTION SV ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # : XXXX Balance : {$43000.00} According to what the FRCA XXXX the credit bureau and the creditor have XXXX business days to remove this from my credit report from the receipt of my initial dispute and since XX/XX/XXXX of this year still they have not taken it out. I am very frustrated with this because I am supposed to be protected by this Law and yet I am here risking losing my house because I am not able to refinance the existing loan which is impossible to pay monthly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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 writing to formally notify you that I am a victim of a data breach, which has resulted in unauthorized accounts being reported on my credit file. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account from my credit report. 
Fraudulent Account to Be Deleted : Creditor Name : XXXX CARD Account Number : XXXX Date Opened : XX/XX/year> Balance : {$48000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: NC

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in unauthorized accounts being reported on my credit file. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account from my credit report. 
Fraudulent Account to Be Deleted : Creditor Name : XXXX CARD Account Number : XXXX Date Opened : XX/XX/year> Balance : {$48000.00}

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 2024-11-19 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: MA

Complaint narrative:
I Received A copy of My Credit Report I saw Accounts That Don't Suppose To Be There Please I Demand these ACCOUNTS and INQUIRIES to be REMOVED. PLEASE HELP ME RESOLVE THIS ISSUE. THESE ARE THE ACCOUNTS : XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$320.00} ACCNT : XXXX XXXX XXXX XXXX XXXX Balance {$450.00} ACCNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX {$13000.00}. 
THESE ARE THE INQUIRYS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Via Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Under FCRA XXXX SECTION : 15 USC 1681B Permissible Purposes, 15 USC 1602 opt-out option, 15 USC 1681 ( B ) Disclosure, 15 USC 1681Q- any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under TITLE 18, Imprisoned for not more then 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
I opened a savings account on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX illegally froze both of my accounts without valid legal reason. On XX/XX/XXXX XXXX XXXX of XXXX XXXX sent an email stating the following " your funds will be returned to you via cashier 's check in approximately XXXX business days ''. In a letter dated XX/XX/XXXX XXXX XXXX engaged in defaming me with scurrilous accusations by stating the following " a recent review of your account activity reveals unsatisfactory banking practices '' which is not only blatantly false and unfounded it is also baseless given the only activity I performed with the accounts was to make the mistake in trusting XXXX XXXX with my funds. No other activity occurred in my accounts. In the same letter dated XX/XX/XXXX XXXX XXXX also wrote " any remaining funds in the account will be forwarded to you ''. 

On XX/XX/XXXX I filed a complaint with the XXXX since I had not received my funds from First Horizon. On or about XX/XX/XXXX XXXX XXXX illegally placed XXXX false complaints on my XXXX XXXX credit report in retaliation for my filing a XXXX complaint. I notified XXXX who contacted the bank. After repeatedly rechecking my XXXX XXXX credit report XXXX XXXX finally removed the XXXX false statements they illegally placed on my credit report. But XXXX XXXX did not return my funds to me. USPS mishandled delivery of a letter from XXXX XXXX which XXXX XXXX used as a nonsense excuse to not return my funds to me. 

During the XXXX process I furnished my savings account information to XXXX XXXX so that they XXXX quickly and securely ACH my funds back to me but they refused to return my funds. 

Did XXXX XXXX break multiple laws when they froze my accounts without just legal cause, illegally placed XXXX false statements on my XXXX XXXX credit report in retaliation for my filing a XXXX  complaint against them, and never returning my funds to me essentially committing an act of theft? 

It is now over XXXX months later and XXXX XXXX has yet to return my funds. How is a bank like this allowed to continue doing business when this is how they treat consumers? I have been banking with multiple financial institutions for over XXXX years without any serious issues until encountering XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have tried on numerous occasions to request monthly statements. The only way I can receive a statement is to log into the US Bank Equipment Finance website. When I access my statements, there is no ending balance or interest rate being reflected that I am being charged.

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 2024-11-19 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: VA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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.

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 XXXX 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 XXXX 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 2024-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I received a letter from Marcus by Goldman Sachs stating they're glad I made the decision to save with them. An account number ending in XXXX digits was provide. Few days later I received a statement showing the ONLINE SAVINGS ACCOUNT is open with a XXXX balance. I contacted the bank and spoke with XXXX in security. He said he'd open an investigation and once it's complete they will close the account. I have to wait for a letter to be mailed to me to let me know that. It's been XXXX weeks and today I received ANOTHER letter about a DIFFERENT account being opened in my name. This bank is an ONLINE bank! I called and spoke with XXXX  in security. She could not provide me with any information about my last report only said she'd open an investigation into this one and will notify me by mail. Both times they advised me to change passwords ( I do this monthly ), file a police report ( local police won't do this because it's an online account ) and file ID theft reports ( I've done with with IDtheft.gov and XXXX. All of my credit reports have been frozen for quite some time and I verified that they still are. 
I asked this Bank to please put a Flag in their system to NEVER open an account under my name and address. I was told that they could not do this. I'm afraid that I'm going to continually get notices about this bank allowing accounts to be opened in my name. They are NOT helpful in any regard. The calls go to a call center and they don't speak very good XXXX. I refused to provide them with the DOB or SS #. How do I get them to stop allowing accounts to be opened in my name?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
they claim i owe a debt but they have yet to verify the debtshow me proof of ownership that authorizes for them to collect this debt.full account history with transactions and statements.a copy of a signed contract or agreement that says XXXX obligated to pay this debtand their licensing and registration information as required by the relevant state and federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: 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.

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 XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation