vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I noticed a collections account on my credit report for XXXX XXXX XXXX XXXX the amount of {$14000.00}. The account balance at close was {$7400.00}. I attempted to make contact with XXXX XXXX XXXX XXXX XXXX, regarding this account via phone and email. When I recieved a response from XXXXXXXX XXXX XXXX XXXX  XX/XX/2023, I was told that The amount owed was {$10000.00} and I could pay it now. I offered to pay the the origional account balance at close in full plus interest, {$7800.00}. XX/XX/2023, I recieved an email that my account had been transferred to an outside collections agency, TransWorld Systems Incorperated ( TSI ). When I called TSI, I was advised that my balance was now over {$14000.00} again? I was told that TSI was a government entity, had the power to without a judgement take all my money, vehicles, home if needed to pay this federal debt. When I tried to ask why the amount changed overnight by over {$4000.00}, The representative told me that it was " Fees '' charged by TSI. Once again I was instructed to pay the full about or they will take my taxes. I got off the phone with TSI and called XXXX back, they refused to speak with me. I asked if they " sold '' the debt to TSI, they said no, its just being " serviced '' by them. I have been trying to settle this account for over a year now. TSI was able to, without a judgement, take my federal taxes, garnish my wages and still they say that I owe over {$10000.00}. Currently I have paid over {$6000.00} to TSI for this debt. This type of collection has to be illegal. These " Fees '' they are charging that I am not allowed to know what they are for, they are also additional to a penalty interest rate. Every wage garnishment they take {$470.00}. They informed me that {$140.00} goes to interest, {$75.00} goes to their fees. I have called and emailed both companies more than a dozen times. They refuse to communicate in any written form. They want me to call so they can threaten me with more? When will this stop? I was never allowed to see the garnishment order, I am not allowed to pay on the account, there is not statement of fees and TSI is not a government agency. I have filed a complaint with the Texas Attorney Generals Office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: GA

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

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 2024-09-06 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments 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 XXXX XXXX XXXX XXXX XXXX The amount with XXXX $ limit Please investigate and provide Proof with statements showing that these payments 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 2024-09-06 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: GA

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. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XXXXXXXX XXXX  and noticed some things are incomplete and not accurate.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 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 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 2024-09-06 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: DE

Complaint narrative:
I am writing to file a formal complaint against Credit Management LP, a collection agency that has wrongfully placed a fraudulent account on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights. 

On XX/XX/year>, at approximately XXXXXXXX XXXX, I spoke with a supervisor at XXXX XXXX XXXX named XXXX XXXX. During this recorded call, XXXX XXXX confirmed that the account in question was under a different name than mine. She assured me that the fraudulent account would be removed from my credit report within 30 days. However, this process has caused me significant financial hardship and undue stress, and I can not afford to wait 30 days for a correction that should have never been necessary in the first place. Not only that XXXX, and XXXX should face consequences as well for allowing the fraudulent accounts to be placed without proper due diligence. 

Under the FCRA, 15 U.S.C. 1681e ( b ), credit reporting agencies and their furnishers are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The continued presence of this fraudulent account on my credit report is a direct violation of this provision. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher is prohibited from reporting information that it knows or has reasonable cause to believe is inaccurate. 

Attached is a letter from this collection company stating there wrong doing and also saying they would remove the account but they did NOT and have not mentioned anything about paying me for the heart ache this has caused as I was denied for my house recently due this error on their behalf! 

Given that it did not take 30 days for Credit Management LP to report this fraudulent account and damage my credit reputation, it is only fair that the account be removed immediately, without further delay. The FCRA also provides that a consumer has the right to dispute incomplete or inaccurate information in their credit report, and the furnisher has an obligation to investigate and resolve the dispute promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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 2024-09-06 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: MO

Complaint narrative:
I am a victim of identity theft. According to FCRA laws you are refusing to comply with the information that you are reporting : 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1681 ( c ) 2 15 U.S. Code 1681 ( n ) Please follow the laws. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please follow the laws and block this information from my credit reports before I seek legal counsel.

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 2024-09-06 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: MO

Complaint narrative:
I am a victim of identity theft. According to FCRA laws you are refusing to comply with the information that you are reporting : 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1681 ( c ) 2 15 U.S. Code 1681 ( n ) Please follow the laws. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please follow the laws and block this information from my credit reports before I seek legal counsel.

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 2024-09-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
On XX/XX/XXXX Navient discharged my Private loans due to school misconduct under the FTC 's Holder Rule. The law allows me to receive a refund of payments made on the fraudulent loans. I sent a demand for refund letter to Navient on XX/XX/XXXX and have not received a response. I attended XXXX XXXX XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX. I have two XXXX XXXX Private loans issued through XXXX XXXX and transferred to Navient in XXXX. XXXX, XXXX XXXX XXXX, and Navient all engaged in deceptive, misleading, and fraudulent activity to entice me to take out these predatory private student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: IL

Complaint narrative:
I have sent certified letters and a FTC report as well a copy of my id n ss card to XXXX n Transunion and these agencies are still reporting inaccurate information .per The Law 15 U.S.C 1681 and U.S.C 6802 these agencies are reporting different late payments on this account in which I have stated several times to these agencies is not my account. the hardship they have caused me is very overwhelming they have violated my rights per ( FCRA ) in which I am promised accurate reporting might I state that XXXX deleted this inaccurate information immediately from my credit file

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 2024-09-06 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: PA

Complaint narrative:
provide proof of claim otherwise, delete this account from my credit report, provide the SSA89, proof of assignment of claim, Affidavit of loss, 1099c, application, GLBA disclosures, and all executive-level proof of claim you are in violation. Your actions will be considered fraud, extortion, harassment, and abuse. 
This alleged debt needs to be deleted and removed from my credit report.

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 2024-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

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 2024-09-06 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: MOHELA
State: AZ

Complaint narrative:
My original loans dates were back in XX/XX/XXXX -XX/XX/XXXX. The loan originated with Dept of Education. They have sold this loan multiple times and keep changing the dates everytime they sell it to avoid removing it from my consumer report. This debt is now more then 17 years old more thatn the 7 years by law that it can be reported on my consumer report and sbould have been removed. XX/XX/XXXX this debt has been sold again to another debtor in order to keep it on my consumer report. This is againest Fair Credit reporting standards and I am requesting this debt be removed from all my consumer reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
This is a complaint against Experian, XXXX, XXXX and XXXX XXXX XXXX, a collection agency that has wrongfully placed a fraudulent account on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights. 
On XX/XX/year>, at approximately XXXXXXXX XXXX I spoke with a supervisor at XXXX XXXX XXXX named XXXX XXXX. During this recorded call, XXXX XXXX confirmed that the account in question was under a different name than mine. She assured me that the fraudulent account would be removed from my credit report and even provided a letter saying this and I have attached it. However, this process has caused me significant financial hardship and undue stress, and I can not afford to wait 30 days for a correction that should have never been necessary in the first place. 
Under the FCRA, 15 U.S.C. 1681e ( b ), credit reporting agencies and their furnishers are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The continued presence of this fraudulent account on my credit report is a direct violation of this provision. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher is prohibited from reporting information that it knows or has reasonable cause to believe is inaccurate. 
Given that it did not take 30 days for Experian, XXXX, XXXX and XXXX XXXX XXXX to report this fraudulent account and damage my credit reputation, it is only fair that the account be removed immediately, without further delay. The FCRA also provides that a consumer has the right to dispute incomplete or inaccurate information in their credit report, and the furnisher has an obligation to investigate and resolve the dispute promptly. 
I am requesting that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX for their failure to adhere to the FCRA 's requirements. Furthermore, I request that XXXX XXXX XXXX be directed to immediately remove the fraudulent account from my credit report and to confirm the removal in writing.

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 2024-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XX/XX/2024 I received a text msg from Chase asking if I made a charge in the amount of {$760.00} at an XXXX XXXX in XXXX. I texted no. Then I called Chase to identify erroneous charges made in California. Subsequently I was sent the next day a regular Chase XXXX XXXX. I applied and was approved for a XXXX XXXX XXXX card with a 5 % cash back with XXXX XXXX XXXX XXXX 

The CC I got in the mail and subsequently added to XXXX, did not give any rewards on XXXX as usual. When I called to ask about this issue I was NEVER given the same answer twice. I was told I did have THE prime card. So I looked it up. If its a prime card it will say so. 

When I was told that there was a product change on XXXX XXXX, MY QUESTIONS were who did this change and how. I was told the change occurred thru the internet and also told the person that stole my identity actually called in. Regardless, I advised Chase my info was taken ( birth cert annd SSN ) and I did not call in on XXXX to request ANY change. 

I then subsequently attempted to reinstate my originally issued CC for the terms I have accepted. 
On XXXX XXXX I called Chase XXXX XXXX during these times. XXXX, XXXX ( supervisor ) XXXX, ( supervisor ) XXXX, XXXX XXXX, XXXX, XXXX and finally XXXX to file a complaint they would not take. 
I also reported to Chase that Im a disabled combat veteran and that THIS entire situation has been triggering. 

While on hold I applied for the Chase XXXX rewards card. The response that came back was XXXX, you already have a prime card It was obvious to me that if I could not get a resolution in 6 days, XXXX telling me they DO NOT CONTACT CHASE TO REPORT PRIME STATUS, when this is EXACTLY what XXXX Chase supervisors said to me. So I walked into a Chase branch and described the issue. The manager agreed that the customer should not be penalized for identity theft. Which is exactly what occurred. I subsequently closed the account I never authorized, XXXX XXXX card. I also withdrew my XXXX XXXXXXXX CD taking the penalty because Chase is not a company I want to do business with. 

This seems to be a classic bait and switch. 
Offer one CC and be approved then get sent a totally different CC with less benefits. 

Why is Chase punishing their customer for having their identity stolen?

Company response to consumer: Closed with explanation