vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: iQuantified Management Services, LLC
State: VA

Complaint narrative:
I have received solicitations/harassment over the span of about three ( 3 ) months from iQuantified Management Services ( hereinafter " company '' ) .These forms of solicitation/harassment were in the forms of phone calls, voicemails, and text messages. I spoke with someone on the phone and informed them I had no dealings with the company. I asked how they obtained my personal information to contact me and the man apologized and hung up. I continued to receive unwanted contact in which I began keeping a log starting on XX/XX/2023 at XXXX. I kept this log of every time and form of contact they made with me from that day. As the harassment continued, I sent the company a NON-NEGOTIABLE NOTICE OF CEASE AND DESIST on XX/XX/2023 as I could not take the harassment and disruption anymore. I exercised my federally protected consumer rights and gave the company a plain and clear notice to cease and desist. In my notice, I plainly and clearly stated my terms and conditions if they violated my rights further. The company received my notice on XX/XX/2023 and was signed for by XXXX XXXX at XXXX. The company then violated my rights and failed to honor my notice of cease and desist on two ( 2 ) occasions, tacitly agreeing to my terms and conditions. These additional violations were XX/XX/2023 at XXXX, and XX/XX/2023 at XXXX. Again, I have nor have I ever had any dealings with this company. This appears to be a sign of identity theft due to the unauthorized use of my personal information and without my consent. I then sent out a NON-NEGOTIABLE NOTICE OF DEFAULT IN DISHONOR AND ESTOPPEL mailed on XX/XX/2023 and received by XXXX XXXX on XX/XX/2023. Followed by a NON-NEGOTIABLE NOTICE OF DEFAULT IN DISHONOR AND OPPORTUNITY TO CURE mailed on XX/XX/2023 and received by XXXX XXXX on XX/XX/2023. Mail was sent Certified Mail with return receipt. I can provide that information or copies if needed. All notices were notarized before they were mailed as well. In my terms and conditions I stated simply that I seek compensation for the violations of my consumer rights, unauthorized use of my personal information, harassment and unauthorized solicitation, aggravation and distress, and disruption of my life. I have yet to see remedy. I feel I have been generous with my time and patience to the point where it has run thin. I DEMAND REMEDY IMMEDIATELY from iQuantified Management Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: IL

Complaint narrative:
The company " Chime '' opened an account using my name, social security, ( old ) address, email and phone number on XX/XX/2024. 

I called to ask who opened it and they could not answer. 

I asked for it to be closed and they told me it would be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: GA

Complaint narrative:
the following account is negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report, therefore you must remove all negative and adverse remarks under 15 USC 1681 ( b ), 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : the company alleged I owed them money, however, they closed the account and charged it off. In addition, the company alleged I maxed out the credit limit at {$130.00}, but the highest limit it shows is {$790.00}.

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 2024-01-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I recently received a copy of my credit report and found that you are illegally reporting XXXX XXXX XXXX  information about me. The following alleged account is listed as a Collection with a XXXX XXXX BALANCE OF {$490.00} XXXX, National Credit, Debit Buyer This is a violation of the FCRA and Is also in violation of requisite XXXX XXXX Complaint reporting. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, and you are required to remove XXXX  information that is not true, accurate, and verifiable. please remove the none occur inter at XXXX XXXX To de pot a end. 
well as this account removed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
There is a charge on the account for {$930.00}. The account was opened without my knowledge and I notified the company of this. The company did not assist me in removing the charge from my account. I had no knowledge of when this debt was added to my credit report. I have no other credit history besides this charge. The charge was sent to collections before I had the knowledge of it to pay or resolve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
did not get intro XXXX XXXX  {$350.00} XXXX XXXX XXXX  dollars

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IN

Complaint narrative:
I have attached documents for your review. Please initiate an investigation into these accounts as I am never late, yet they are inaccurately reported as such.

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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to commence an investigation on these accounts, as I am never late, but they are incorrectly reported as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express eGift Card : Despite the card 's claim of universal usability, multiple attempts to use it at reputable online retailers have resulted in denials for security reasons. This discrepancy raises concerns about the card 's reliability and adherence to promised functionalities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America Claim number : XXXX Amount : {$2200.00} I made a deposit, but it was not deposited due to a machine problem.

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 monetary relief
Consumer complaint received 2024-01-22 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: AZ

Complaint narrative:
I appreciate the prompt attention from the CFPB, and I want to acknowledge that XXXX XXXX XXXX XXXX has taken corrective action by removing XXXX out of the XXXX fraudulent accounts previously mentioned in my complaint. However, the specific XXXX account with the amount of {$14000.00} ( Account XXXX : XXXX ) remains unresolved. The discrepancy in their response raises suspicion, as the removal of only XXXX out of the XXXX fraudulent accounts suggests potential selective omission. This questionable behavior leads me, as a consumer, to believe that XXXX XXXX and Experian may be purposely retaining XXXX XXXX to negatively impact my XXXX  status, keeping me classified as a subprime borrower. 

Furthermore, I would like to express my concerns about Experian 's handling of this matter. Despite my diligent efforts to address the fraudulent accounts and the discrepancies, Experian has not provided a satisfactory resolution. The rapid verification of the information without a thorough investigation and the lack of transparency in providing evidence raise significant concerns about Experian 's compliance with the Fair Credit Reporting Act ( FCRA ). 

In my efforts to report the specific XXXX account as fraudulent to Experian, I have attached XXXX  required documents, including the FTC report XXXX government-issued ID, social security card, and utility bill. This comprehensive documentation supports my claim and further emphasizes the urgency of a thorough and accurate investigation by Experian. I demand the immediate deletion of the remaining fraudulent XXXX account in the amount of {$14000.00} from my XXXX  report. 

I urge the Consumer Financial Protection Bureau to scrutinize Experian 's handling of this matter, ensuring compliance with the FCRA and the deletion of the inaccurately reported and remaining fraudulent XXXX account. Your immediate attention to this critical issue is crucial, and I anticipate a prompt resolution. 

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 2024-01-22 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:
I am in the process of purchasing a new vehicle. Looking at my most recent credit reports, there are about 10 inquiries showing on my report. I have come to find out that my personal information was sold and bought illegally because I was a victim of the Equifax data breach. I want the inquiries listed below deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these inquiries from my credit reports as they are negatively affecting my credit score. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Requested removal of XXXX  from mortgage from my loan servicer, Shellpoint / New Rez. XXXX is owned by XXXX XXXX. 

XXXX ID is XXXX XXXXXXXXXXXX 
Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

My request to remove PMI was rejected by Shellpoint XXXX XXXX XXXX, for the stated reason of missed payments. 

However, this rejection seems to be in error, as XXXX  missed payments are due to XXXX XXXX, whose rules state that a mortgage which has exited XXXX, which is owned by XXXX XXXX XXXX and has made at least XXXX regular payments since, is eligible for XXXX  removal. 

Compounding problem may be that there are several legal fees which occurred while loan was under XXXX XXXX. XXXX Forbearance rules, for this type of loan owned by XXXX XXXX XXXX do not allow for legal fees due to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-22 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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-22 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: IL

Complaint narrative:
I have sent a lot of letters to XXXX, Equifax, and XXXX on the inaccurate accounts on my credit profile i have ask them in my letters to delete those inaccurate accounts and they did not do it. So looking to the CFPB for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent a lot of letters to Experian, XXXX, and XXXX on the inaccurate accounts on my credit profile i have ask them in my letters to delete those inaccurate accounts and they did not do it. So looking to the CFPB for your help.

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 2024-01-22 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: CA

Complaint narrative:
Please Delete the fraudulent inquiries from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Care Credit/ Synchrony Bank . I called in to ask about a Mastercard option for my credit card when I spoke to the rep, they told me it's a system who randomly picks customers for the Mastercard option. I have been a loyal customer for over 4 years and have never been picked, when I asked how they make sure the system is equally choosing the right people and not just choosing based on race, amount of money they make or where they live, they were unable to answer that. That type of response made me wonder if that system is tested to see if it's being offered to a wide variety of groups or is it based on the amount of money you make per year, your balance, etc. I requested a call back but never got a call back, the request was sent over to their fair lending compliance department. I am not putting this in simply because I did not get an offer, but to make sure they are being compliant and fair to every single consumer they have. As of now it seems like they need to be audited to ensure they are following regulations.

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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I noticed these incorrect hard inquiries on my report that are not correct and would like them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

AFFIRM INC # E70Q97 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 of 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 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/XXXX filed CFPB complaint XXXX, was responded to on XX/XX/XXXXXXXX  with explanation " Capital One has made the decision to deny these claims due to we are not able to locate these transactions in our system. We recommend checking with the sender of the funds to confirm they sent it to the right routing number and account number. To be able to look any further into these transactions we would need the 15-digit trace number from the sender of the funds to try and locate the transactions. XXXX These were not disputes but missing direct deposits. I contacted XXXX on XX/XX/XXXXXXXX  ( he called back XX/XX/XXXX ) XXXX Ext : ( XXXX ), explained that I DID include the tracing XXXX  XXXX at the bottom of my complaint and he said he overlooked them because he thought they were complaint case XXXX XXXX and that he would reopen the complaint and have it investigated. I have not heard back from him since that call. These were included in my initial complaint with the company before filing CFPB. Still no answer to where the lost funds are. AGAIN routing XXXX  confirmed as Cap1 so funds are somewhere within Cap1, and confirmed with rep at VA unemployment that those are the tracing XXXX  XXXX for each payment sent. They wonttake action until the payments are returned. Company name : XXXX  XXXX XXXX Date, amount, check XXXX XXXX XXXXXX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$680.00} XXXX XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$340.00} XXXX Total : {$1700.00}

Company response to consumer: Closed with explanation