vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase ilegally withheld my interest on a certificate of deposit that I openned in XXXX and matured in XX/XX/XXXX No amount needed to be withheld since I am not required by the IRS whoever Chase without my consent withheld my interest and they havent returned it to me. 
Its an illegal practice and while its not being resolved escalation to other government agencies will be submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Revco Management, LLC
State: TN

Complaint narrative:
RevCo Solutions called and began the call by requesting information about me. I had who was calling and the nature of the call, which the caller refused to provide information until I did. After reluctantly saying I can take a message but not provide information, they ended the call. I called them back, where I received another caller who also hesitant on providing me and information. I pressed on about what the call from a debt collector was until they finally provided a small amount of information. After asking them to verify it, they wanted me to provide information regarding my location and health coverage. After saying I will provide at a later date they ended the call. I called back a third time, where I made it clear that they are no longer allowed to call this number to ask for information, where the same caller from before just said ok. I made it clear that I want her to verbally confirm they will no longer make any calls, where she reluctantly did so and I ended the call. 

They also are trying to collect a debt that is way over the balance determined by the original collector. As well as stating they have sent me multiple notices by mail, but I have received nothing until the first call. Im fed up with this company and their contact harassment and would like to push for the debt to be void.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Beginning of XXXX, I enter walgreens and they ask me if i want to sign up for their rewards program to get extra savings. I agree, and they tell me that they would need my social security information. I've never really signed up for a rewards program before besides at some food places, so i thought this was standard protocol as i'm fairly new to credit itself and store reward programs. Without my knowledge, They charge the credit card and i finish the rest of the purchase with my actual debit card thinking i just got a discount. An hour later, i become aware of it being a credit card through my email. I immediately call XXXX  walgreens and ask to cancel. They close the credit card but did not make me aware of any charges. This is recorded proof in the call that we had. Fast forward a couple months later. It's now XXXX and i look on my credit report and see that i have months of interest and late fees charged on the account. I get a huge credit drop. 700 's to almost 500 's back to 600s. I call XXXX  they tell me theres nothing they can do. This is unfair as i'm already going through financial struggle, trying to keep my payments as timely as possible, and then i get XXXX  by this bank trying to XXXX  people into getting a credit card. 

( this call was recorded by XXXX. Aswell as my other ones. They did not let me access the call records, and just proceeded to hang up on me. )

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX notified me of a XXXX credit card application on XXXX, which I had never applied for. I want to dispute this inquiry. I already reported to XXXX, which advised me to call Equifax. Equifax asked me to complete this form and call them back in XXXX days. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: CT

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late, for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX, division of XXXX XXXX. Account : XXXX. Please investigate and provide Proof with statements showing that these payment were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This is a complaint for Wells Fargo bank paperwork was filed XX/XX/XXXX for checks cashed by Wells Fargo bank. My bank submitted the correct paperwork and have not heard back. Checks were made out to XXXX and Wells Fargo cashed them because they went to the wrong XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These checks were paid via bill pay back of checks were stamped with Wells Fargo bank XXXX XXXX mercury 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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
Cavalry Portfolio Services is reporting the wrong open date after they bought a debt it was disputed not a valid debt. how ever Cavalry Portfolio Services is reporting open date XX/XX/XXXX but this account was opened on XX/XX/XXXX is account is clearly out of statue of limitation. Per FDCPA 15 USC 1692g XXXX XXXX Cavalry Portfolio Services has clearly violated the law. 

XXXX XXXX last XXXX ssn : XXXX add : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: CA

Complaint narrative:
Could you please remove these inquiries? I wasn't aware of them, and the company did them without my permission.

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 2024-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: American Credit Acceptance, LLC
State: AL

Complaint narrative:
I am submitting this complaint because ACA has gave me a balance of {$2000.00} but is still reporting late payments on an account that is closed, but being reported to all XXXX bureaus that it is OPEN I have made XXXX payments of {$390.00} which total well over {$13000.00} for a vehicle with a very low market value! I am kindly asking that this tradeline that is negatively impacting my score be either removed or updated! Under the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: NJ

Complaint narrative:
I have contacted XXXX on multiple occasions over the past several months after discovering the hard inquiry on my credit report that I did not recognize. It is from XX/XX/XXXX. While I did have some credit card applications around that time, none of them are affiliated with XXXX XXXX Even when I spoke with XXXX each time, they have said they have no application on file from me. They also confirmed that I do not have an account. XXXX of my calls was on XX/XX/XXXX. I was able to speak to a senior level employee who says that he marked the inquiry as fraudulent, and that it would be taken off in the next XXXX  days. He gave me the ID number : XXXX  to use if the inquiry is not off in XXXX days. Another time I called was on XX/XX/XXXX, The person I spoke with gave me the fax number XXXX. Said address it to " attn : fraud application/hard inquiry. '' They also said I should provide my full name, address, phone number, and times when I can speak along with more information about what has happened. I never received a phone call. Prior to this, I initially spoke to either Experian or XXXX because I saw the hard inquiry initially through XXXX XXXX. They said there was nothing they could do and that I needed to speak to XXXX XXXX, and that they couldn't remove it without a letter to remove inquiry from XXXX. The first time I called XXXX, which I don't remember when, they refused to provide that. I had to call a few times before I got to XXXX XXXX of speaking with the senior employee. This hard inquiry remains on my account, and I have not ever applied for a credit card with them which they have confirmed.d I sent that fax to no response at all.

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 2024-05-06 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: GA

Complaint narrative:
I XXXX XXXX, hereby assert my rights as an individual and consumer, as recognized by the FDCPA and FCRA. My personal privacy, safeguarded by XXXX XXXX XXXX XXXX ( a ) ( XXXX ), has been consistently breached. It's essential to highlight that I have never granted written authorization, as stipulated in XXXX XXXX XXXX XXXX b ( XXXX ), for these transactions to be publicly disclosed. Some of these accounts that were previously removed and subsequently re-added, which is a direct violation of 15 U.S.C 1681i ( a ) ( XXXX ). It has come to my attention that despite my efforts to rectify inaccuracies on my credit report, certain accounts have been unlawfully reinstated without proper documentation or justification. Furthermore, my credit card ( Social Security XXXX ), defined in Title 15 U.S.C 1602, has been utilized without my explicit written consent. 
As outlined in Title 15 U.S.C 1681s, the duty to implement administrative measures falls upon your organization. I wish to bring to your attention the responsibility of the involved entities XXXX, XXXX, and Experian, as indicated in XXXX XXXX XXXX XXXX ( b ) for their lack of due diligence in maintaining accurate data. The presence of erroneous information on my consumer report, with a data breach has led me to file an identity theft report. I emphasize that, pursuant to 15 U.S.C 1681 c-2 ( XXXX ), these inaccurate accounts must be removed within 4 days of filing the identity theft report, not the usual 30 days. It's important to note that the unauthorized utilization of my credit card, in violation of Title 15 U.S.C 1602, does not confer any benefit upon me, the consumer, in accordance with Title 15 U.S.C 1681s. 
I extend my gratitude for your assistance in upholding XXXX XXXX during this recent revelation. This letter serves as an urgent request for the prompt elimination of the subsequent accounts from my credit report : 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 2024-05-06 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: CT

Complaint narrative:
In accordance to the Fair Credit Reporting Act, This creditor has violated my rights. Under 15USC 1681 SECTION XXXX states I have the right to privacy. 15USC 1681 SECTION XXXX SECTION XXXX it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: GA

Complaint narrative:
All of the below listed items I do not have a contract with these companies. They did not provide me with a copy as requested. I am not responsible for these accounts and would like them removed from my report. 


XXXX XXXX XXXX XXXX XXXX This account is listed erroneously. 
XXXX XXXX XXXX XXXX XXXX This account is listed erroneously. 
XXXX XXXX XXXX XXXX This account does not belong to me. 
XXXX XXXX XXXX XXXX  This account does not belong to me. 
XXXX XXXX XXXX XXXX This account is listed erroneously. 
XXXX XXXX XXXX XXXX XXXX This account is listed erroneously. 
XXXX XXXX XXXX XXXX XXXX This account is listed erroneously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-06 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: LA

Complaint narrative:
The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 looked at my Equifax credit report and noticed some things are incomplete and not accurate . And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX was originated with XXXX XXXX  and sold to Specialized Loan Servicing in XXXX. I have been making on time payments on my loan since origination and following the transfer. The original statement Principal with Specialized Loan Servicing on transfer was XX/XX/XXXXXXXX XXXX  {$37000.00}. XX/XX/XXXX was {$37000.00}. When I recently checked my balance in order to refinance the loan with a different institution, it was {$330000.00}. This amount was also reflected on my XX/XX/XXXX statement. I contacted the lender last Tuesday, XX/XX/XXXX, to inquire about the error on my account and was transferred to an escalation team. The person I spoke with assured me they were looking into it and I would be contacted within 48 hours with the resolution. I had not heard anything by today ( XX/XX/XXXX ), so I called back. This time, the customer service rep told me I could not be sent to an escalation team nor could I speak with a manager, and I would have to wait until XX/XX/XXXX for more information on the issue. In the meantime, the lender is reporting the wrong amount on my statement and more concerning, I'm worried it will show up on my credit report and that they may be calculating interest based on the wrong loan amount. The customer service rep was rude and refused to allow me to speak to anyone else at the bank.

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 2024-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
After checking my credit report and seeing information from this company stating that I owe them, I contacted the property by phone and was told there are no records on file for me so I mailed out a letter to the debt collector asking for validation of the debt in writing and this has not been provided to me. Their lack in proof shows that this is not my debt and needs to be deleted from my consumer report as it is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: IL

Complaint narrative:
Download credit karma put my information on in and say something like I dont exist or something

Company response to consumer: Closed with explanation