vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX  XXXX {$990.00} XX/XX/XXXX XXXX XXXX  ************ {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX & XXXX XXXX {$370.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$120.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX 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 XXXX years. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) A person shall not furnish any information relating to a 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 non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I took out a Title loan through Springleaf Financial. Springleaf merged or sold their company to One Main. The loans was paid and my titles were released back to me. I sold the vehicle. I later received a wage garnishment to have my wages garnished. I have receipts showing payments were made. On my credit report it says my original loan amount was XXXX. My loan was only XXXX so I am assuming the remaining was the finance charge. Now I have been served another wage garnishment from an attorney in the amount of XXXX. When I pull my credit report it says the loan was charged off as bad debt. Profit and loss write off when I don't owe them. I'm a single parent with only one source of income and they are attempting to garnish my wages when I don't owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX account starts with XXXX. 
Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX has reported a sprint account that was open and closed same day it went to collection. dropping my score XXXX points. i have never owned a sprint account. EVER. this has hurt my lively hood. I have tried to dispute. this is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I am submitting a complaint regarding my student loan provider 's failure to review my account for a student loan overpayment refund for which I qualify. MOHELA XXXX my XXXX XXXX XXXX for XXXX XXXX XXXX XXXX ( PSLF ) in XX/XX/XXXX, with the effective date of XX/XX/XXXX. While I was informed only payments made on/after the effective date of discharge would be eligible for a refund, the effective discharge date is incorrect as it does not accurately reflect the date in which the required XXXX payments for XXXX was XXXX. I am certain that there is an error in MOHELAs system that should be rectified. Based on previous communications received by MOHELA, there were 191 monthly payments credited to my account, far beyond the XXXX required for XXXX. Most of these payments would have been made to my previous student loan service provider, XXXX XXXX XXXX, whose correspondence reflects the total number and duration of payments made. I request to have this issue investigated further so that the discharge date is backdated to the time in which I met the XXXX mark so that I receive the overpayment refund that I am rightfully entitled. 

I have made attempts to speak with XXXX Consumer Advocacy Team, however, no one has attempted to complete a thorough review of my account to investigate the concern further. I am also afraid I am not the only person who is in this or a similar predicament. Thank you in advance for your attention and assistance on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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:
I recently pulled a copy of my credit report and noticed accounts and inquiries that I have not authorized or any affiliation with. I have contacted all XXXX credit bureaus and requested verification of these accounts with no formal response. 

I have the right to privacy and have not given any written consent for this information to be reported to my profile which is in violation of 15 USC 1681 Furnishing accounts to my credit report that are a result of identity theft is in violation of 15 USC 1681 C-2 I requested that all fraudulent addresses be removed from profile to prevent fraud accounts being added to my profile under my identity. The information is impacting my credit negatively.

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 2024-02-24 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: NY

Complaint narrative:
My Information was sold and bought illegally because i was a victim of the XXXX data breach back in 2017 having trouble removing the negative items on my report I want these items deleted from my Credit reports effective immediately. I am Attaching proof that XXXX has admitted that i was in fact a victim of this data breach ( XXXX XXXX XXXX ) and XXXX has done nothing. Please help me delete these illegal account from my credit reports, Accounts XXXX XXXXXXXX Closed Account # XXXX XXXX Closed Account Number XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Closed XXXX XXXX XXXX XXXX XXXX closed XXXX XXXX  Closed XXXX closed XXXX XXXX XXXX Closed XXXX XXXX XXXXXXXX XXXX closed XXXX XXXX XXXX XXXX XXXX saying closed whenn they were paind in full XXXX pain in full and XXXXXXXX XXXX  XXXX XXXX XXXX for XXXX never had 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 2024-02-24 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: NY

Complaint narrative:
My Information was sold and bought illegally because i was a victim of the XXXX data breach back in 2017 having trouble removing the negative items on my report I want these items deleted from my Credit reports effective immediately. I am Attaching proof that XXXX has admitted that i was in fact a victim of this data breach ( XXXX XXXX XXXX ) and XXXX has done nothing. Please help me delete these illegal account from my credit reports, Accounts XXXX XXXX Closed Account # XXXX XXXX Closed Account Number XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Closed XXXX  XXXXXXXX XXXX XXXX XXXX closed XXXXXXXX XXXX Closed XXXX closed XXXX XXXX XXXX Closed Open XXXX  XXXX XXXX closed XXXX XXXX XXXX XXXX XXXX saying closed whenn they were paind in full XXXX pain in full and XXXXXXXX XXXX XXXX XXXX XXXX for XXXX never had 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 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One, RE : Credit Card Account Closure Can you tell me who and why my credit card account is restricted and/or closed? I am a XXXX XXXX XXXX XXXX XXXX XXXX and the card is necessary for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Without this credit card I am forced to purchase XXXX cash cards to complete online purchases. 

Please investigate the closure of this account and reconsider that decision. 

Sincerely, XXXX XXXX Someone is using my social security numbers to list fake collection accounts on my credit report. Accessing the report, this person is able to monitor and access the credit accounts on my credit report. ( identity theft and collection schemes ). 

In this case, a Capital One credit card was opened in XXXX, 2023, but for no apparent reasons, once the card was activated someone either : ( 1 ) accessed the Capital One account attempting to effectuate frauds, or ( 2 ) cancelled or closed the account. 

When this account was closed my XXXX credit rating was impacted, the credit score is now XXXX. This is a significant change in financial position. I can not repair or fix this negative action, it will remain on the credit report for 7 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the card is necessary for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It appears to me as though someone using my information filed a forged document with Capital One stating that they were either : ( XXXX ) ID theft protection, or ( XXXX ) an insurance company to facilitate what in the ID theft world as an " account takeover. '' If you move on this report, you will probably be redirected by Capital One to the person using my information. 

Please contact Capital One and advise them either to reopen the account or remove the derogatory information listed on the XXXX, XXXX, and XXXX XXXX credit report. 

I would prefer the account be reopened, I need the XXXX XXXX XXXX and the card is necessary for XXXX XXXX XXXX Currently, I am forced to purchase XXXX a cash card which is inefficient and inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am one of the people that the govt refuses to allow to be forgiveness with their federal loan regardless that I am XXXX years old and my income qualifites but they refuse and use XXXX income. 

I have paid XXXX so far back on the XXXX owed and AIDAdvantage ( was XXXX ) will not update the correct amount on the credit bureaus, XXXX is one I show. 
It appears that I have not paid anything on the loan. It better not just apply to interest. 

Please reach out to them and I tried but they refused to let me speak to anyone there who handles credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I disputed on XX/XX/year> an account for XXXX posted on my credit report. This company did not have my written consent to disclose my personal information with a nonaffiliated third party. According to laws 15 USC 6802 ( b ) ( c ) and 15 USC 1681C ( a ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX & XXXX XXXX {$370.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Chase Bank for closing my credit card account ending in XXXX without a valid reason. I have been a loyal customer of Chase Bank for over 10 years and I have always paid my bills on time and maintained a good credit score. 
On XX/XX/year>, I received a letter from Chase Bank stating that they have closed my account effective immediately. The letter said that their decision was due to recent activity reflecting a pattern of abuse, as provided under the terms of the Cardmember Agreement. However, the letter did not specify what kind of activity or abuse they were referring to. I called Chase Banks customer service to ask for an explanation, but they refused to give me any details or reinstate my account. 
I believe that Chase Banks action was unfair, arbitrary, and discriminatory. They violated my rights as a consumer and damaged my credit history. I request that the CFPB investigate this matter and help me restore my account and credit reputation. I also request that Chase Bank provide me with a written apology and compensation for any losses or damages I may have suffered as a result of their action.

I have attached a copy of the letter I received from Chase Bank and my credit card statements for the past six months as evidence of my complaint. Please contact me if you need any additional information or documentation. 
Thank you for your attention and assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: OH

Complaint narrative:
Please remove account 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 non-monetary relief
Consumer complaint received 2024-02-24 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:
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 non-monetary relief
Consumer complaint received 2024-02-24 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: GA

Complaint narrative:
I am one of the people that the govt refuses to allow to be forgiveness with their federal loan regardless that I am XXXX years old and my income qualifites but they refuse and use Household income. 

I have paid XXXX so far back on the XXXX owed and XXXX ( was XXXX ) will not update the correct amount on the credit bureaus, Experian is one I show. 
It appears that I have not paid anything on the loan. It better not just apply to interest. 

Please reach out to them and I tried but they refused to let me speak to anyone there who handles credit 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 explanation
Consumer complaint received 2024-02-24 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: FL

Complaint narrative:
XXXX is reporting XXXX wrong late payments in my credit report, so this is a mistake that is affecting me get a new credit or other financial products ... these late payments was on XXXX, XXXX, XXXX, XX/XX/2020, ,I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: FL

Complaint narrative:
XXXX is reporting XXXX wrong late payments in my credit report, so this is a mistake that is affecting me get a new credit or other financial products ... these late payments was on XXXX, XXXX, XXXX, XX/XX/2020, ,I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.

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 2024-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX Contact Information : Email : XXXX Phone : ( XXXX ) XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Complaint Against [ National Credit Systems ] Dear Sir/Madam, I am writing to file a formal complaint against [ National Credit Systems ] for violating my consumer rights under various laws and regulations. The collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report. Furthermore, I have not been given the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Additionally, the collection agency is using false, misleading, and deceptive means in its collection efforts, which is a clear violation of consumer rights. They do not have the authority to furnish any account to consumer reporting agencies without providing the necessary disclosures required by law, as stated in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I hereby dispute any and all debts to [ National Credit Systems ] and revoke all rights for them to communicate with me via email, texts, or calls. I request that they provide debt validation and furnish the purchase agreement between them and the original creditor. I also request proof that they are licensed and bonded to operate as a collection agency.

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against [ National Credit Systems ] for their violations of consumer rights and laws. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation