vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX XX/XX/XXXX To Whom It may concern, I am writing this letter to request the removal of certain accounts from my credit report. After reviewing my credit report, I have discovered that some of the the accounts listed are not mine. I am writing to request that these accounts be removed from my credit report as soon as possible. 

I have listed the accounts that are not mine. The accounts in question is, : XXXX/XXXX  : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX THESE ARE THE INQUIERIES THAT ARE NOT MINE AND I DID NOT AUTHORIZE. 
THE ACCOUNTS THAT ARE NOT MINE THAT I NEED REMOVED ARE : XXXX XXXX ACCT XXXX XXXX, XXXX XXXX ACCT XXXX XXXX, XXXX ACCT XXXX XXXX, XXXX ACCT # XXXX, XXXX XXXXXXXXXXXX XXXX XXXX ACCT # XXXX I Never opened any accounts and have never had any dealings with the companies that reported them to the credit reporting agencies. 
i understand that it is essential to maintain an accurate credit report, and I am willing to provide any further information or documentation that may be required to remove these accounts from my credit report. I would appreciate it if you could investigate this matter and take the necessary steps to remove these accounts from my credit report promptly. 

Thank You for your time and assistance in this matter. 

Sincerely, 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 2023-05-17 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: IL

Complaint narrative:
Experian is reporting inaccurate information on my credit report that has not been verified under federal law nor have I consented to the reporting of this inaccurate information. The inaccuracies and failure to reinvestigate this information has caused me financial harm and injury.

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 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP
State: NM

Complaint narrative:
On XX/XX/XXXX I was served with a complaint in the Eleventh District Court in the State of New Mexico from Plaintiff XXXX XXXX XXXX claiming that I incurred a debt with XXXX Bank and that XXXX XXXX XXXX were filing suit upon a debt owed. They included copies of billing statements from XXXX and XXXX but stated that they were NOT a debt collection company. Further, they did not submit any documentation showing I signed anything, no copies of my drivers license, nothing, it could be someone else 's bill with my name accidentally on it, there is nothing to show anything. 

On XX/XX/XXXX, I filed a motion for a more definite statement as I have no idea who these people are and do not believe that I signed up for or purchased a XXXX XXXX  account. I am still further confused as I have had no interaction, received no mailings, and had zero communication with ANY of the people stated in the complaint : no XXXXXXXX XXXX XXXX interaction, no XXXX XXXX  interaction, no XXXX XXXX interactions. 

**I have a serious XXXX XXXX and did not leave my house from XXXX XXXX under doctors orders, except to go to the physicians office or as directed bi-weekly for infusion therapy. Therefore, there is no way I did anything with anyone from XXXX On XX/XX/XXXX I received a letter in the mail from Rausch Strum LLP stating that THEY are collecting the debt for XXXX XXXX XXXXXXXX XXXX This is after XXXX XXXX XXXX filed a suit against me and their attorneys are listed as Rausch Strum so who is on first, XXXX  or Rausch? At this point I am so confused as to what is happening. 

On XX/XX/XXXX I called the number listed on the letter XXXX and asked whether they were a debt collection company and they said YES. I then asked for them to explain who they were and how they got my information and the woman I spoke with told me to call " XXXX '' and then hung up on me. I do not know who XXXX is. 

On XX/XX/XXXX I sent Rausch Strum, the people who sent me the collection letter on XX/XX/XXXX a Certified Letter ( and have the receipt signed that they received it ) Demanding that they Validate my debt and informed then that they have already filed a lawsuit on behalf of XXXX  against me in the courts without telling me who they are or how they even know me. I have not received a response from them. 

I am now being asked to pay {$200.00} to a Debt Owed and Due Settlement program in New Mexico as my case has been stayed as a result of this program, without these people even telling me who they are or how they know 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 explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX of XXXX. I had contact Capital One Financial Corporation bank as I had a XXXX IRA account with them. I discovered through my inquiry with captialone that they had closed my XXXX IRA account without properly informing they did close it. I was told to contact XXXX mutual financial companies to see about it. I contacted both XXXX and XXXX in which neither parties said my XXXX IRA was transferred over to them. I spoke with captialone and they said that with my account being closed they sent in information along with my IRA of {$6000.00} in the form of a check to my address. Which I had never received in addition as I had moved moved to a different address and I'd longer lived at my previous address and in addition of not receiving any notice of my IRA account closure. They were unable to assist me further nor attempt to offer a resolution for me. I had never experienced something liked this before nor was offer an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: CA

Complaint narrative:
An accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX Account number XXXX Balance {$14000.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX XXXX  Original creditor : XXXX  XXXX  Balance updated XXXX XXXX XXXX Account number XXXX Original balance {$1000.00} XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX Account number XXXX Original balance {$1000.00} XXXX XXXX XXXX Original creditor : XXXX  XXXXXXXX XXXX. 
Account number XXXX Original balance {$480.00} XXXX  XXXX XXXX Balance {$600.00} has 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 instructions

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 2023-05-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
An accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX Account number XXXX Balance {$14000.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX XXXX  Original creditor : XXXX  XXXX  Balance updated XXXX XXXX, XXXX  Account number XXXX Original balance {$1000.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX Original balance {$1000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 
Account number XXXX Original balance {$480.00} XXXX  XXXX XXXX Balance {$600.00} has 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 instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
this account does not belong to me. this a fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I filed a dispute with XXXX XXXX ( XXXX XXXX : XXXX ). I have filed a dispute to the bureau that I currently have opened a dispute that I opened before with the file number that I included as a reference, I received a completion that the dispute information was accurate and I called XXXX XXXX and they had it disputed again. I'm reaching out to get federal documentation that it is fraud and doesn't belong to me and it needs to be removed and deleted off my account. The collection was opened by AMSHERCOLLECTIONSERVICES, for {$220.00}, on XXXX. XXXX, 2023. I reached out to the company via email and phone and no one has reached back. 

Amsher Collection Services has received XXXX XXXX  consumer complaints and XXXX Consumer Finance Protection Bureau ( CFPB ) complaints, the substantial majority dealing with debt that is allegedly not owed. In several cases, the collector continued reporting debt to consumer collection agencies even after being informed the debt was fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank business account was opened for my dental office XXXX XXXXXXXX XXXX  in XX/XX/XXXX  and in XXXX XXXX XXXX ACH was activated on my account and was paying that service without using it. i thought it was a fee for having checking account. my accountant brouhgt it to my attention and i called the chase to cancel service and asked them to show me proof that i had given permission to activate that service. they will not give me any credit back other than last four months. the charge was for 8 yrs. that I have been paying for a service I have never used. the institution will not allow me to get any credit for all that time and will not give me proof that i approved that charge. I feel that Chase is targeting Hispanic people by adding charges that were never approved by consumer. like the ACH fee charge that was added to my account in hope I never found out ot the unauthorize charges. all i want is for Chase to refund me that monthly charge or to provide me with proof that i acknowledged or approved the ACH service charge back in XX/XX/XXXX of XXXX. This is a business account with Chase Bank. my branch manager and chase bank cant help me resolve that issue, other than it was done by me using my log in credentials. yet they have provided me no proof. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I've Had Two Accounts That Had Fraudulent Activity That Was Not Caused By Me Ive Also Disputed These Charges But My Accounts Were Still Closed Ive Recently Tried To Open A Navy Federal Account And I Was Able To Do So And One Day After I Received A Notification Saying My Account Was Closed Due To My Consumer Report And When I Called The Bank They Told Me My Account Had Been Closed Due To The Consumer Report & Was Instructed To Reach Out To The Consumers Report Agency But As It Stands Now Im Not Able To Open Any Bank Account With Any Financial Institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This is not my debt, but this company is reporting this card was opened by me and it's on my credit report. I wish for it to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX For years I have been asking the credit bureaus for assistance in the removal of inaccurate information from my credit report. I was a victim of misleading tactics by a dealer and ultimately predatory lending tactics by their lender. These tactics caused years of financial hardship all because I was forced into a loan for which I could not afford. Dealer personal not only made false statements to secure an approval but they provided in house down payments on my behalf and even made me believe I would get gainful employment, if I were to buy the car. All of which were lies. That's not why I am here. 

I made multiple dispute attempts and all of which were denied and I was again not given fair opportunity to address my case. I suffered years of financial hardships due to the malicious nature of the selling parties. Now as many years have passed I am once reminded of this event. That's not why I am here. 

This account mentioned about is aged over 7 years and should no longer be reported on my credit bureau. After multiple attempts to gain a solution Transunion and XXXX denied any and all of my attempts to exercise my rights under federal law. 
This is why I am here.

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 2023-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I have noticed on my credit report from chase that two loans were taking out falsely in my name for vechiles Loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit acceptance corp on XX/XX/XXXX  I reached to the credit department from chase to help me identify the companys and report with the companys that it was fraud. Loan one was reported and taken off my report. loan 2 needs documentation and verification from an FTC report or police report to go further.

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 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: AZ

Complaint narrative:
I recently discovered that someone had stolen my identity and used my personal information to open fraudulent accounts and make collections on my credit report. It has been a challenging experience that has had serious consequences on my credit score and financial well-being. I have taken immediate action to dispute the fraudulent accounts and collections, and I have reported the identity theft to the appropriate authorities. This has involved working with credit bureaus, banks, and law enforcement agencies to investigate the fraud and restore my credit report. It has been a stressful time, but I am doing everything I can to protect my identity and recover from the damage that has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$1900.00} XXXX XXXXXXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXXBalance : {$1900.00} XXXX XXXXXXXX Balance : {$170.00}

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 2023-05-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXXBalance : {$1900.00} XXXX XXXXXXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$170.00XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXXBalance : {$1900.00} XXXX XXXXXXXX Balance : {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VT

Complaint narrative:
On XX/XX/, I became aware that my mortgage company, PHH, had failed to pay my property taxes from my escrow account when I received a delinquent tax notice from my town, with a penalty and interest assessment, and warning of a tax sale if the issue is not resolved. PHH had previously assured me on XXXX XXXX XXXX that it was " preparing the payment '' for my property taxes, and that " [ t ] here [ wa ] s no need to forward a regular tax bill to '' them. I was under the impression my taxes had been paid until I received the notice from my town on XX/XX/XXXX. On XX/XX/XXXX I immediately reached out to PHH by phone and email, providing the documentation and requesting payment of my taxes. I have since then continually followed up with PHH, by both phone and email, to no avail. The money continues to sit in my PHH escrow account, my property taxes remain unpaid, interest and penalties continue to accrue, and my home remains slated for a tax sale if the issue is not resolved. Today, XX/XX/, I received notification that the servicing of my mortgage account is transferring from PHH to 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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian you are in violation of the FCRA for reporting an inaccurate account on my credit report. You are reporting that the account XXXX XXXX XXXXXXXX was charged off in XX/XX/XXXX  which is not true. This account was paid and closed. There should not be a delinquent reporting on this account. XXXX and XXXX has this account closed without any delinquent or payment history listed so how is it that Experian is reporting adverse information when all data furnished should be the same? I am requesting that this account is updated due to violation of 15 US Code 1681a ( 4 ) by reporting mis-information. I will upload the incorrect credit report and my proof of identity. This account should be updated within 15 days or I will be forced to take legal action becuase this incorrect information has hurt my credit profile far too long.

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