vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
On XX/XX/year> I received an validation letter stating that the account was charged off and XXXX XXXX XXXX was no longer collecting on the account I did dispute this many times with XXXX  XXXX and also let them know that the information to the debt is not mine they requested me to give them my updated information which I did not agree to due to me not owing this debt. So on XXXX XXXX they claimed to sent me written solicitation for a pre approved credit card which they claim they sent to XXXX XXXX XXXX XXXX, Ohio XXXX XXXX. which is never been my address and they claim that a XXXX credit line was open in my name and a charge to a page plus account in the amount of XXXX on XXXX XXXX and also listed a phone number that's not mine or was never mine. on this statement they claimed to have sent it to the above address on XXXX XXXX. They have also stated they sent it to a collection company and was no longer financial interested in the account once I started to question them on my information. they are claiming I need to contact Midland funding llc who does not have correct information and wants me to give them correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I opened a fraud investigation with Pay Pal Synchrony bank Account ending in : XXXX. They advised the following which are completely untrue : They advised that You authorized, participated in, or benefited from the purchase and Payments have been made by you on this account has been open for more than 12 months with statements sent to you. 

I have not had a Pay Pal or Pay Pal bank credit card in 10 years if ever. I had no knowledge of the account being opened and did not received anything that was from purchases made on adopt a phone. I also have no idea where the payment would have come from since it did not come from any account I have knowledge of. Synchrony bank had a mailing address that was an address I have not lived at in 2 and a half years, along with a phone number and email address that are not mine. All the information I have found out on calls with them. 

I have filed a police report as soon as I was made aware of the situation ( attached ) and have locked my credit down on all agencies. 

I have probably made over a dozen calls on this issue so far to different credit reporting agencies wasting my time and energy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I purchased a XXXX sewing machine and cabinet from the XXXX XXXX. 
I disputed the transaction but my request was denied. I was unable to provide Synchonywith my side of the story because I was not given the opportunity to speak to the disupes dept. I was told just wait my 60 days. I have waited and now told the dispute was denied. I was not given the opportunity to explain my situation details. I purchased the XXXX and a cabinet. I was pushed into the purchase. The XXXX machine is beyond my capabilities and the cabinet does not even fit my space. When the delivery man dropped it off he was told by the owner XXXX to just fine a dumpster to put my current machine and my solid wood table in a dumpster. I heard that with my own hears. 
She claims that I abandoned the machine. I did not I tried to return the machine on XXXX separate occasions. XXXX was not at the store on the first time and the second time I was told by XXXX that it was too late. XXXX pushed me to make the purchase. XXXX distroyed my personal property.

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 2024-03-11 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: CA

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 2024-03-11 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: Global Lending Services LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/2023 This inquiry is unauthorized and should be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: 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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number : XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2024-03-11 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: KY

Complaint narrative:
Experian stated there are charges showing with my ssn beginning 2023 with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone ( XXXX ) XXXX With several balances totaling {$5200.00}. 

Experian stated they confirmed with the company that it was me. I called the company XXXX XXXX XXXX XXXX XXXX ) and verified the phone number was incorrect, the spelling of my name was incorrect and the email was not mine. 

With that being said ; the SSN I gave them was exactly my SSN. They made a ticket and it is now being processed and flagged. 

I feel I still want to continue with this due to I do not want this person to use my SSN to try and get another credit card or anything further.

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 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
An unauthorized transaction of approximately {$2300.00} dollars was sent from my checking account to a credit card account that has been closed for over a year. The funds were actually reversed then they disappeared into what I believe would be a foreign account. I DID NOT authorize this transfer nor did the bank make an attempt to contact me concerning this action. This caused a XXXX overdraft that caused the bank to take my direct deposit paycheck and also my tax return which equaled approximately {$2200.00} dollars. The bank claims all indications show that I created this transaction, which is false. I had no more than XXXX available in my account at this time. I believe the bank should recognize that they have responsibilities to help protect their banking customers. What happened has left me completely broke.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: FL

Complaint narrative:
The original creditor DELETED these accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, and you have to be 100 % Verifiable and 100 % accurate. You have to match the other credit reporting agencies.

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 2024-03-11 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: GA

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: IL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint against IC System, a debt collection agency, for multiple violations of consumer protection laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

IC System is reporting an account on my credit report regarding a debt they allege I owe. However, not only have I never been notified about this supposed debt they have never verified this was even mine before putting it on my reports. I have written out below what IC Systems has specifically violated : Violation of 1 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : IC System failed to provide me with the required notice informing me of my right to dispute the debt within 30 days of receiving their initial communication. This violates both the FDCPA and the FCRA, as outlined in the aforementioned regulations.

Violation of 12 CFR 1006.34 ( d ) : Despite my request for verification of the debt in accordance with my rights under the FDCPA, IC System has failed to provide adequate verification. This refusal to verify the debt further compounds their violation of consumer rights.

Violation of 15 USC 1681-S2 ( 7 ) ( A ) : IC System 's failure to comply with the FCRA, specifically regarding the accuracy and integrity of information furnished to consumer reporting agencies, constitutes a violation of this statute.

I am coming to the Consumer Financial Protection Bureau to investigate these violations thoroughly and take appropriate action against IC System. Additionally, I request assistance in resolving this matter and ensuring that IC System complies with all relevant consumer protection laws in the future.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: IL

Complaint narrative:
Hello, My name is XXXX XXXX, and I'm reaching out to file a complaint regarding ongoing identity theft incidents. This is the third time I've filed a claim, and unfortunately, there has been no action taken. Despite my efforts, neither the credit bureau nor the involved companies have addressed my disputes. I believe that my rights as a consumer are being violated. As the victim in this situation, I'm feeling frustrated by the lack of assistance or responses from the entities responsible for overseeing credit reporting. If no further action is taken, I will have no choice but to pursue legal action.

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 2024-03-11 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: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital Syst reports on my credit report that I owe {$3800.00} to XXXX from XX/XX/XXXX XXXX and it is past due as of XX/XX/2024 this account does not belong to me. My current phone provider is XXXX. I have filed many fraud and dispute letters, but nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Transunion

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC.
State: IN

Complaint narrative:
XXXX XXXX / Net Credit # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Has decide to leave delinquent on my credit report after filing XXXX XXXX XX/XX/2024 and it already discharged needs to reflect a XXXX balance and no XXXX XXXX  amount due

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On Equifax and XXXX the only address that is correct is XXXX XXXX XXXX XXXX MI XXXX. On XXXX the only correct address XXXX XXXX XXXX XXXX MI XXXX is missing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XXXX and XXXX the only address that is correct is XXXX XXXX XXXX XXXX MI XXXX. On Experian the only correct address XXXX XXXX XXXX XXXX MI XXXX is missing.

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 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have had my Chase United Explorer Credit Card since XXXX  and have never made a late payment. My card is on auto payment from my Chase checking account it averages ( {$180.00} a month ) for the monthly payment due on XX/XX/XXXX I canceled the auto payment due to me scheduling a larger payment of {$480.00} from my XXXX Bill Pay option ( see attached ). XXXX did not process the payment till the XXXX and sent it to me as a check days later as you can see I deposited it in my checking account once received. I paid the usual {$180.00} prior to me receiving the check once I saw the payment was delayed and was going to just pay the remainder of the original {$480.00} payment I intended on making once I recieved the payment. When I went into my account it stated I owed {$630.00} when I called customer service they stated that they raised the owed payment from XXXX and added an additional month due to me being late this outrageous and I asked for this to be adjusted as I have never been late along with the fact that I had not used the card in months due to Chase constantly putting unwarranted Fraud alerts on my card even though I have never reported Fraud on the card I have always pressed yes when I received the text message if I made the purchase and I also called and complained after be embarrassed on several occasions when I attempted to use this card. Even when I called to complain about the bill I was told my account was under review for Fraud with purchases when I asked them what purchases and how when I had not used the card in months they could not answer me. So now they have my card as delinquent unless I pay an additional {$430.00} that is out of control. So they are attempting to jeopardize my credit and credit limit when I have been with chase for 10 years and never had an issue with my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to follow up on my previous correspondence regarding the unverified hard inquiries on my credit report. Despite my initial complaint and submission of evidence, the unauthorized inquiries remain on my credit report. This is deeply concerning as these inquiries have the potential to negatively impact my financial standing.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to follow up on my previous dispute regarding inquiries on my credit report that your agency has failed to address and remove. 

Please see attached letters and documents.

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