vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX, consumer, natural person and original creditor of an open end credit plan. I received a copy of my consumer credit report and I am now aware of some negative payment history that is being furnished without my written consent. Pursing to the FCRA 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. However, under 15 USC 1681a ( 2 ) ( i ) Exclusions from a consumer report include information solely as to transactions or experiences between the consumer. By law you can not furnish transaction history. Transactions are late payments, this needs to be removed now. According to 15 U.S.Code 1681 ( a ) ( 4 ). The information being reported is false, misleading and fraud. All in which so has caused many damages over time. Pursing to the FCRA15 USC 1692d a debt collector may not engage in the use of criminal means to harm the physical person consumer or my reputation. These late payments are damaging my reputation. They have also caused me great harm, mentally and physically. Pursing to 15 USC 1692e ( 2 ) ( a ) a debt collector may not use the false representation of the character of a consumer. Late payments are character damaging. It states you cant report the character of any debt meaning its in my character to pay late based on my consumer report. This is tarnishing my character. I am demanding that you remove every late payment. According to 15 USC 1681a ( q ) ( 3 ), identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. The term " Person '' in this section 15 USC 1681a ( b ) means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. In this case this corporation ( Equifax ) is in violation. This is identity theft and as a result, the late payments must be deleted and blocked from my file.To conclude, under 15 USC 1681c you must block any information in my file from an alleged identity theft, no later than 4 business days after the date I provide the details to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: International Computer Systems, Inc.
State: VA

Complaint narrative:
After sending the FTC report of identity theft in XXXX, XXXX, XX/XX/2021 FIRST COLLECTION SERVICES sent me a letter on XXXX XX/XX/2021 saying that they are refusing to remove the collection for XXXX XXXX Gas and Electric. They then threatened to extort me. This is a racketeering activity and conspiracy to commit racketeering activity carries a sentence of imprisonment of 20 to life. Telling me that I must pay this amount or we will violate your right to privacy by reporting late payments to the credit reporting agencies without your written permission to ruin your financial reputation which equals extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2022-01-22 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2022-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: VA

Complaint narrative:
I have made several attempts on validating the debt information with Source XXXX  Management for a XXXX Account ( Original XXXX Acct # XXXXSource Receivables Management Acct # XXXX ). 

XX/XX/XXXX ; XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX. 

As of this complaint Source Receivables Management has yet to provide signed documentation to the validity of the debt the allege, I own to them. 

I have asked them repeatedly to not attached this to my credit report. To finding out that Source Receivable Management has reported a derogatory mark to the credit bureaus. 

Letter were sent demanding the information on the dates above. 

Source Receivable Management has not responded in the appropriate 30-day window to respond to my last letter date XX/XX/XXXX. 

Source Receivable Management has been placed on notice to comply with FCRA is validating the information. 

I wish the information would be removed from my consumer credit report and the Source Receivables Management cease all collection attempts on this alleged XXXX debt. 

I will be sending out a final letter dated XX/XX/XXXX with is attached. Demanding that Source Receivable Management fix the erroneous error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I leased a car in 2016 and paid for 3 years through XXXX  and XXXX  partner company xchange leasing. All the payments for the lease were made automatically through my XXXX earnings. I leased the veichle for 3 years and made every single payment. A company called XXXX XXXX XXXX XXXX XXXX and Receivables Development Management LLC is claiming there is a balance owed from that lease, this is a false statement and incorrect. The company claimed that I canceled my lease early and there are fees but that is also false. I attached a screenshot of the terms of the lease from xchange leasing. As stated I paid all payments automatically through XXXX. When I returned the Veichle the leasing company informed me that I do not owe anything. This is some type of false debt. I spoke to the company after receiving the letter, they asked for proof that i owed this money and they never responded to me and never sent any proof. This needs to be resolved as its inaccurate information.

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 2022-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I did not provide Chase Bank permission to use my personal information inlcuding my name and social with credit card ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: TX

Complaint narrative:
Transunion, XXXX, and XXXX is reporting inaccurate student loans on my credit profile. I have addressed this issue with them on numerous of occasions and they are refusing to resolve this isssue. This matter is causing my credit to plummet and I am being denying for everything Im applying because of transunion and XXXX inaccurate reporting. Below I have attached proof that transunion and XXXX are reporting inaccuracies across the board on serval student loan accounts. Transunion, XXXX, and XXXX is also reporting. Transunion and XXXX are reporting different account status, date opened, last reported, comments, and date last active on all the student loan accounts in question. There is also a duplicate account for each student loan account, the duplicate accounts are reporting a different high limit under the same account number. The XXXX credit bureaus are falsely claiming the accounts meets FCRA guidelines but they clearly DO NOT. FCRA website states that all information on accounts must be the same across the board and must meet FCRA guidelines. XXXX has atleast deleted these inaccuracies and XXXX and transunion must follow suit. I am asking for reputations of {$1000.00} dollars for this violation of my consumer rights. I have attached proof of all accounts and every inaccuracy that the bureaus are reporting.

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 2022-01-22 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: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX, XXXX, and nelnet is reporting inaccurate student loans on my credit profile. I have addressed this issue with them on numerous of occasions and they are refusing to resolve this isssue. This matter is causing my credit to plummet and I am being denying for everything Im applying because of XXXX and XXXX inaccurate reporting. Below I have attached proof that XXXX and XXXX are reporting inaccuracies across the board on serval student loan accounts. XXXX, XXXX, and Nelnet is also reporting. XXXX and XXXX are reporting different account status, date opened, last reported, comments, and date last active on all the student loan accounts in question. There is also a duplicate account for each student loan account, the duplicate accounts are reporting a different high limit under the same account number. The XXXX credit bureaus are falsely claiming the accounts meets FCRA guidelines but they clearly DO NOT. FCRA website states that all information on accounts must be the same across the board and must meet FCRA guidelines. XXXX has atleast deleted these inaccuracies and XXXX and XXXX must follow suit. I am asking for reputations of {$1000.00} dollars for this violation of my consumer rights. I have attached proof of all accounts and every inaccuracy that the bureaus are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Last payment to original debtor, CashNetUSA, was on XX/XX/XXXX. Debt was sold to another company, XXXX XXXX XXXX at unknown time. XXXX XXXX XXXX has threatened to sue me pass the statute of limitations of four years in California and filed a lawsuit with Superior Court of California on XX/XX/XXXX. This debt is an old ( Time-Barred ) debt in California ( See line XXXX on page XXXX of attached document ). " If a debt is time-barred, a debt collector can no longer sue you to collect it. In fact, its against the law for a debt collector to sue you for not paying a debt thats time-barred. If you do get sued for a time-barred debt, tell the judge that the statute of limitations has run out. '' -https : XXXX # debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: WA

Complaint narrative:
According to Experian and XXXX I was first late on my XXXX credit card in XX/XX/XXXX. According to the Fair Crecit Reporting Act late payments must be deleted no longer after 7 years from the first delinquency. So it should be deleted by XX/XX/XXXX, but they refuse to delete before XX/XX/XXXX, in violation of my rights of the FCRA. Ive contacted both XXXX and XXXX XXXX  and they have done nothing.

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 2022-01-22 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF 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 non-monetary relief
Consumer complaint received 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Since XXXX, there has been unauthorised transactions on my account. I reported the transactions the same day at the branch, and I was told that I needed to contact the merchant, which I did. The bank did not cancel my card when I reported the unauthorised transaction While I was waiting responses from the merchant, the fraudulent transactions continued to take place, and I continued to contact those merchant. 

It was in late XXXX when I tried to contact the bank, and I was promised that they will investigate the claims I have lodged. However, they never did look into the transactions and refused to dispute the unauthorised transactions without any evidence. 

My financial loss totals up to more than {$4000.00} dollars, and I did not receive a fair response. 

The regulation XXXX of the XXXX protects me from unauthorised transactions if I reported the transactions within 60 days. The bank has violated this law for its refusal to dispute the transaction despite these transaction being clearly fraudulent.

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 2022-01-22 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX CO XXXX XXXXK XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX OF 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 2022-01-22 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
Kay Jewelers was sold off to a collection agency XXXX XXXX. That has just fallen off my credit report after the reporting time ended. This is the original company and is too old to be on my report. Ive tried to dispute but it is not coming off. It has started reporting at the 7 month mark.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rock Creek Capital, LLC
State: CA

Complaint narrative:
I leased a car in 2016 and paid for 3 years through XXXX and XXXX partner company xchange leasing. All the payments for the lease were made automatically through my XXXX earnings. I leased the veichle for 3 years and made every single payment. A company called Rock Creek Capital , LLC and XXXX XXXX XXXX XXXX is claiming there is a balance owed from that lease, this is a false statement and incorrect. The company claimed that I canceled my lease early and there are fees but that is also false. I attached a screenshot of the terms of the lease from xchange leasing. As stated I paid all payments automatically through XXXX. When I returned the Veichle the leasing company informed me that I do not owe anything. This is some type of false debt. I spoke to the company after receiving the letter, they asked for proof that i owed this money and they never responded to me and never sent any proof. This needs to be resolved as its inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
To Whom It May Concern : A man who identified himself as XXXX XXXX and stated he was a representative of XXXX XXXX XXXX came to our door on XX/XX/2022 and initially spoke with my husband about investing literacy for at-risk youth. He reported he was selling magazines. I came to the door and told him we would not purchase any magazines but would make a donation of {$400.00}. He reported he still needed to select magazines for distribution and chose XXXX He wrote up XXXX separate receipts and provided them to me, and I made the donation via Zelle. I later noticed the receipts he provided actually totaled {$440.00}, but I only sent {$400.00} via Zelle to XXXX 's purported boss, XXXX XXXX. My husband told me he felt uneasy about the entire exchange and felt I was swayed by XXXX 's story that he was working to overcome poverty and find a means to support his family as well as a photo of a child he referred to as his son. My husband wanted to see if we could find more information about the organization. Upon searching the web, we primarily found information that suggested the company and its charitable platform were both scams. Although I was able to find what appeared to be a legitimate websiteXXXX XXXX XXXX XXXX it offered very little information ( e.g. no financial report on the company, no photos of or links to the alleged magazines that were purchased, no customer reviews ). I believe I was scammed by this man who may or may not have used his real name and may or may not be the victim of a scam or a MLM scheme himself. I did not provide him with any sensitive information, but I did give him my email address, and he has my signature. Additionally, he was able to see into the living room of our home. I submitted a fraud report to Zelle, my bank, the FTC, the CA Department of Consumer Affairs, the FBI, and the police, all to no avail. I attempted to email the company and received a bounce back email advising the address is invalid. I called customer service but was unable to reach a human being and received an automated message that did not offer any information related to the company. ( " You have reached customer service ... '' rather than, " You have reached XXXX XXXX Services ... '' ) I am seeking restitution for this loss. Please advise regarding whether there is any means through which I might be able to pursue damages for falling prey to this scam. Thank you for your time and consideration.

Company response to consumer: Closed with explanation