vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 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: TX

Complaint narrative:
This account is inaccurate it is reporting inconsistently across bureaus. Experian and XXXX are reporting inconsistent Date Last Active Experian XX/XX/XXXX, XXXX XX/XX/XXXX. This account also has inconsistent account numbers it could belong to anybody. If the information is coming from the original creditor the information should be consistent across reports. We can not say this account is accurate. Youve failed to investigate this account properly and your neglect has violated my rights. I am demanding deletion of the following account : 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 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I have a Total Checking account with Chase Bank. I was recently paid for a settlement Ive been dealing with for the past XXXX XXXX years. Deposited the settlement check on XX/XX/year> via ATM. Waited the 7 business day hold period, and the day of. Chase tells me, they are still Verifying my payment. After 7 whole business days? Unacceptable. Ive reached out to the company to make them aware of the situation, and they have been expecting the call from Chase for 2 days, and XXXX. Has Chase reached out to anyone regarding this matter. Basically, my money is POSTED in my account in the amount of {$23000.00}. But Chase has restricted my account for absolutely no reason at all. There has to be some type of guidelines here, Ive done my part. Now the bank isnt required to uphold their end of the bargain?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CT

Complaint narrative:
I signed up for a XXXX XXXX plan and became unsatisfied with the service so I tried to quit. I talked to a rep due to a XXXX  complaint I filed. The rep stated I owed on services performed to the tune of {$700.00} or so before I could leave. I allowed the payments to be automatically drawn from my bank account until all the services were paid for according to the invoice. I didn't use any other services after that but continued to be billed for the wellness plan. I contacted XXXX and was told it would be taken care of. Later I received an email from a collection agency saying I owe for the remaining payments for the full year even though I stopped using the services and paid for the services I used.

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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: TX

Complaint narrative:
This account is inaccurate it is reporting inconsistently across bureaus. XXXX and XXXX are NOT reporting this account because it does not belong to me. If the information is coming from the original creditor the information should be consistent across reports. We can not say this account is accurate. Youve failed to investigate this account properly and your neglect has violated my rights. I am demanding deletion of the following account : XXXX XXXXXXXX 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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FC HoldCo LLC
State: CT

Complaint narrative:
I had got a position for new job they needed me to bring in my Social Security card and my passport or drivers license. I stopped at the grocery store and left my pocketbook in the carriage. When I realized it, I turned back around and went back and my pocketbook was gone, so they went and got car loans in my name, cell phones in my name and credit cards in my name. I contacted the credit porting agencies all three and they did nothing but put a fraud alert on my account. That was it.

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 2024-10-04 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: NJ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. 

with FTC

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 2024-10-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Back around XX/XX/XXXX I'm reaching out for about the paycheck for XX/XX/XXXX the remaining balance for {$750.00}. I have done my pay part by reaching out to wellsfargo numerous times. When calling the customer service line they informed me that the check would BOUNCE back and it never did. Wellsfargo kept the money and my job never received the bounce check. So they were never able to pay me the amount I worked. This account was not mine and should not have been deposited into. The response they give me is that they can't redirect the payments because the company would have to or file a claim. I have not received my pay, which I did work for. I waited, I called. 
Wellsfargo was aware that this payment was not meant for this person but they deposited it and the person who received my paycheck ended up taking it out. This has never been resolved and I had never been able to get that money back from my job nor from wellsfargo

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 2024-10-04 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: TX

Complaint narrative:
I have identified errors on my credit report, which fall under the scope of 15 USC 16c-2. The information provided is inaccurate and is affecting my credit rating.

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 2024-10-04 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : 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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : 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 2024-10-04 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: Experian Information Solutions Inc.
State: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] {$26000.00} XX/XX/XXXX Dear [ XXXX, XXXX AND EQUIFAX ], First I would like to say that the company provided no proof of alleged debt. Secondly, they sold the debt in which I would like them removed considering they sold the debt per letter they sent on here. Theyre saying they dont even have the debt anymore. 

I am writing in response to a notice I received regarding an alleged debt with your company. I hereby dispute this debt in its entirety and request verification under the Fair Debt Collection Practices Act ( FDCPA ). 

In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Please send all correspondence regarding this matter to the address listed above. I expect a prompt response within the 15-day period as required by law. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX My information may have been impacted by the Equifax and XXXX XXXX XXXX and may have got into the hands of the wrong person Equifax ( XXXX ) Impact : XXXX XXXX people Details : Equifax, one of the largest credit reporting agencies, suffered a breach where personal data such as Social Security numbers, birthdates, addresses, and drivers license numbers were exposed. 

XXXX XXXX ( XXXX ) Impact : XXXX XXXX guests Details : XXXX XXXX guest reservation system was compromised, exposing passport numbers, credit card details, and other personal information of hotel guests.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX  ] {$26000.00} XX/XX/XXXX Dear [ XXXX, EXPERIAN AND XXXX ], First I would like to say that the company provided no proof of alleged debt. Secondly, they sold the debt in which I would like them removed considering they sold the debt per letter they sent on here. Theyre saying they dont even have the debt anymore. 

I am writing in response to a notice I received regarding an alleged debt with your company. I hereby dispute this debt in its entirety and request verification under the Fair Debt Collection Practices Act ( FDCPA ). 

In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Please send all correspondence regarding this matter to the address listed above. I expect a prompt response within the 15-day period as required by law. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX My information may have been impacted by the XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person XXXX ( XXXX ) Impact : XXXX XXXX people Details : XXXX, one of the largest credit reporting agencies, suffered a breach where personal data such as Social Security numbers, birthdates, addresses, and drivers license numbers were exposed. 

XXXX XXXX ( XXXX ) Impact : XXXX XXXX guests Details : XXXX XXXX guest reservation system was compromised, exposing passport numbers, credit card details, and other personal information of hotel guests.

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 2024-10-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kovo
State: PA

Complaint narrative:
I am writing to formally file a complaint against a debt collector regarding a closed installment account with an outstanding balance of {$200.00} and a limit of {$0.00}. I assert that this debt collector engaged in abusive and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692, which protects consumers from misleading and unfair practices. 

I want to emphasize that I did not participate in any legal contract related to this account. Furthermore, the debt collector failed to adhere to the proper five-step validation procedure mandated by the FDCPA, rendering their actions not only unfair but also illegal. As a consumer, I am entitled to protection under the law, and the failure to follow these procedures constitutes a violation of my rights. 

According to the FDCPA, I am entitled to damages of up to {$1000.00} per violation, and I believe that this debt collector 's failure to validate the debt appropriately warrants such compensation. 

I request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that my rights are upheld. I also ask that the closed installment account be deleted from my credit report due to the violations described above. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to inform you that XXXX XXXX has filed for XXXX XXXX bankruptcy as of XXXX XXXX XXXX in the XXXX XXXX XXXXXXXX XXXX. Despite this, you are still reporting an account from XXXX XXXX on my credit report with inaccurate information, including late payments. You are required by the FCRA to ensure that all information furnished is accurate, and you can not report this account without proof of accuracy from the company. Given that the company has filed for bankruptcy and has not provided proof of the account 's accuracy, I am requesting that you immediately remove the late payments and update the account to " paid as agreed '' due to the incorrect reporting. lease reference CFPB complaint XXXX to see the company 's response.

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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to inform you that XXXX XXXX has filed for XXXX XXXX  bankruptcy as of XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX Despite this, you are still reporting an account from XXXX XXXX on my credit report with inaccurate information, including late payments. You are required by the FCRA to ensure that all information furnished is accurate, and you can not report this account without proof of accuracy from the company. Given that the company has filed for bankruptcy and has not provided proof of the account 's accuracy, I am requesting that you immediately remove the late payments and update the account to " paid as agreed '' due to the incorrect reporting. lease reference CFPB complaint XXXX to see the company 's response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I recently reviewed my credit report and found several billing inaccuracies. The late payments listed do not align with my usual payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my credit report, I found inaccuracies that are covered by 15 USC 16c-2. This incorrect information is harming my credit standing, and since I never authorized these inquiries,

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 2024-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MI

Complaint narrative:
I filed a complaint on XXXX XXXX XXXX XXXX Interim response was provided by the company to the CFPB on XXXX advising that they needed additional time and would provide a final response within 60 days of the date the CFPB sent the complaint ( XXXX ). As of XXXX a final response has still not been provided.

Company response to consumer: Closed with explanation