vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
They said I have applied to a secure loan with them but I never have applied for any loans and never have made a payment on the account. I asked them to validate this account by sending me all the information that I need in order to validate and they never did. In addition, they continuously reporting such accounts to the credit bureaus. Specially Experian that in going agains the law with the charge off accounts. I know my rights that every charge off accounts after written off they should sent me a 1099c I could filled for taxes but they never did.

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 2024-07-07 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX, CITICARDS CBNA, XXXX CARD, XXXX XXXX, XXXX XXXX XXXX, and XXXX put negative information about me to the credit bureaus. These companies are attempting to collect a debt on the basis of XXXX. These companies breach of fiduciary duties, failure of consideration, misrepresentation of material fact, unjust enrichment, no loan or consideration was given. I understand that you shouldn't put any information on my credit file unless I authorized. Provide me with strict proof section 609 ( a ) ( 1 ) ( A ) I authorized this account such as signed applications and contract in wet signature showing, invoice accordance with Bills of XXXX XXXX XXXX and the actual accounting shows a loss. Provide proof claim with evidence you have legal and lawful authority with to collect. Failure to substantiate the claim, please settle account immediately. I'm challenging this account with these credit card companies. I will further pursue all of my legal remedy without further notice to credit card companies. Please Close and Delete these accounts immediately. Cease and desist ALL collection Activities. Account fraudulently opened in my name with XXXX XXXX XXXX is debt collector Under the FDCPA, a debt collector is someone or business who regularly collects debts owed to others which triggered liability under Sections 15 U.S. Code 1692e - False or misleading representations and multiple violations of Federal Debt Collection Practices Act ( FDC PA ). debt. A debt collector does not have the right to communicate without a prior written consent period. 1 ) 15 U.S. Code 1692b. 15 U.S. Code 1692e. False or misleading representations. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S. Code 1692 B ( 2 ) not state that such consumer owes any debt ;. 15 U.S. Code 1692 A 5. 15 U.S. Code 1692d. A debt collector does not have the right to communicate without a prior written consent period. VIOLATIONS, my CONSUMER RIGHTS TO PRIVACY.

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 2024-07-07 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: TX

Complaint narrative:
The following accounts are reporting on my credit report incorrectly. The listed accounts have been paid in full and should be reported as such to ensure that my report is 100 % accurate and in compliance with the Fair Credit Reporting Act. 

Accounts in XXXX : XXXX. XXXX XXXX Reported Balance : {$440.00} Account number : XXXX XXXX. XXXX XXXX Reported Balance : {$1300.00} Account number : 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 2024-07-07 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
BANK XXXX XXXX, XXXX XXXX, JPMCB CARD, XXXX XXXX, XXXX XXXX XXXX, and XXXX put negative information about me to the credit bureaus. These companies are attempting to collect a debt on the basis of XXXX. These companies breach of fiduciary duties, failure of consideration, misrepresentation of material fact, unjust enrichment, no loan or consideration was given. I understand that you shouldn't put any information on my credit file unless I authorized. Provide me with strict proof section 609 ( a ) ( 1 ) ( A ) I authorized this account such as signed applications and contract in wet signature showing, invoice accordance with Bills of Exchange Act 1882 and the actual accounting shows a loss. Provide proof claim with evidence you have legal and lawful authority with to collect. Failure to substantiate the claim, please settle account immediately. I'm challenging this account with these credit card companies. I will further pursue all of my legal remedy without further notice to credit card companies. Please Close and Delete these accounts immediately. Cease and desist ALL collection Activities. Account fraudulently opened in my name with XXXX XXXX XXXX is debt collector Under the FDCPA, a debt collector is someone or business who regularly collects debts owed to others which triggered liability under Sections 15 U.S. Code 1692e - False or misleading representations and multiple violations of Federal Debt Collection Practices Act ( FDC PA ). debt. A debt collector does not have the right to communicate without a prior written consent period. 1 ) 15 U.S. Code 1692b. 15 U.S. Code 1692e. False or misleading representations. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S. Code 1692 B ( 2 ) not state that such consumer owes any debt ;. 15 U.S. Code 1692 A 5. 15 U.S. Code 1692d. A debt collector does not have the right to communicate without a prior written consent period. VIOLATIONS, my CONSUMER RIGHTS TO PRIVACY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
BANK XXXX XXXX, XXXX XXXX, XXXX CARD, XXXX XXXX, HELVEY & ASSOCIATES, and XXXX put negative information about me to the credit bureaus. These companies are attempting to collect a debt on the basis of XXXX. These companies breach of fiduciary duties, failure of consideration, misrepresentation of material fact, unjust enrichment, no loan or consideration was given. I understand that you shouldn't put any information on my credit file unless I authorized. Provide me with strict proof section 609 ( a ) ( 1 ) ( A ) I authorized this account such as signed applications and contract in wet signature showing, invoice accordance with Bills of Exchange Act 1882 and the actual accounting shows a loss. Provide proof claim with evidence you have legal and lawful authority with to collect. Failure to substantiate the claim, please settle account immediately. I'm challenging this account with these credit card companies. I will further pursue all of my legal remedy without further notice to credit card companies. Please Close and Delete these accounts immediately. Cease and desist ALL collection Activities. Account fraudulently opened in my name with HELVEY & ASSOCIATES is debt collector Under the FDCPA, a debt collector is someone or business who regularly collects debts owed to others which triggered liability under Sections 15 U.S. Code 1692e - False or misleading representations and multiple violations of Federal Debt Collection Practices Act ( FDC PA ). debt. A debt collector does not have the right to communicate without a prior written consent period. 1 ) 15 U.S. Code 1692b. 15 U.S. Code 1692e. False or misleading representations. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S. Code 1692 B ( 2 ) not state that such consumer owes any debt ;. 15 U.S. Code 1692 A 5. 15 U.S. Code 1692d. A debt collector does not have the right to communicate without a prior written consent period. VIOLATIONS, my CONSUMER RIGHTS TO PRIVACY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BANK OF AMERICA, XXXX XXXX, XXXX CARD, XXXX XXXX, XXXX XXXX XXXX, and XXXX put negative information about me to the credit bureaus. These companies are attempting to collect a debt on the basis of XXXX. These companies breach of fiduciary duties, failure of consideration, misrepresentation of material fact, unjust enrichment, no loan or consideration was given. I understand that you shouldn't put any information on my credit file unless I authorized. Provide me with strict proof section 609 ( a ) ( 1 ) ( A ) I authorized this account such as signed applications and contract in wet signature showing, invoice accordance with Bills of Exchange Act 1882 and the actual accounting shows a loss. Provide proof claim with evidence you have legal and lawful authority with to collect. Failure to substantiate the claim, please settle account immediately. I'm challenging this account with these credit card companies. I will further pursue all of my legal remedy without further notice to credit card companies. Please Close and Delete these accounts immediately. Cease and desist ALL collection Activities. Account fraudulently opened in my name with XXXX XXXX XXXX is debt collector Under the FDCPA, a debt collector is someone or business who regularly collects debts owed to others which triggered liability under Sections 15 U.S. Code 1692e - False or misleading representations and multiple violations of Federal Debt Collection Practices Act ( FDC PA ). debt. A debt collector does not have the right to communicate without a prior written consent period. 1 ) 15 U.S. Code 1692b. 15 U.S. Code 1692e. False or misleading representations. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S. Code 1692 B ( 2 ) not state that such consumer owes any debt ;. 15 U.S. Code 1692 A 5. 15 U.S. Code 1692d. A debt collector does not have the right to communicate without a prior written consent period. VIOLATIONS, my CONSUMER RIGHTS TO PRIVACY.

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 2024-07-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Financial 's website ( https : //www.synchrony.com ) won't let me log in to make payments to my XXXX 's XXXX XXXX account. This has been going on for 2 weeks now. I have a new appliance that I purchased that I need to set up payment plans for because it is interest free for the first 12 months if the payments are made on time. I believe XXXX is not allowing me to access my account so that I won't make the payment on time and they can charge me interest. There are several complaints from other customers about the same thing in their reviews and their BBB profile. This company is intentionally trying to defraud customers by not allowing them to access their accounts online so that they can charge them interest. The interest is something ridiculous like 29 %. Synchrony Financial are a bunch of crooks.

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 2024-07-07 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: AZ

Complaint narrative:
Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$850.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Thank you for your assistance. Sincerely, 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 2024-07-07 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: AZ

Complaint narrative:
Account info Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$850.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Thank you for your assistance. Sincerely, 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 2024-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
My name is XXXX XXXX, I live in XXXX XXXX. I lived in XXXX, and XXXX prior. I've been trying to open an affirm account for the last few months and their is a XXXX account attached to my phone number. I've tried to reset this and change this on my end and no success. I've been calling affirm and asking for help on this and they have not helped me at all. I've never had an affirm account before and never signed up, so I was a little surprised when I saw my number was attached to a XXXX email address.I have never had a XXXX account. I've called affirm and they have stated they will escalate and call me back and no one ever calls me back. This is getting extremely frustrating as this is a service Ive been wanting to use and no one has been able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: MD

Complaint narrative:
I am writing to dispute several hard inquiries that appear on my Transunion credit report : XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/2024 XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/2024 XXXX. XXXX XXXX  ( Bank ) XX/XX/2024 These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act :

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 2024-07-07 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: NE

Complaint narrative:
I just looked at my credit report and I noticed that some hard inquiries on my credit report don't have a permissive purpose according to the Fair Credit Reporting Act. Anything furnace on my consumer report must have a permissible purpose according to 15 USC 1681 B I never permitted these companies to access my Experian credit report. When I ask Experian for proof they can never generate proof, they still deem the inquiries belonging to me which is illegal and it violates my FCRA rights. 

XXXX XXXX, XXXX According to Cushman V Transunion 1998, Experian is supposed to ensure MAXIUM POSSIBLE ACCURACY. This account violates these laws. 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5. 15 USC 1681eb. Delete XXXX. 

XXXX XXXX FL XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 2026

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 2024-07-07 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to dispute a charge-off listed on my credit report, which I believe has been reported inaccurately and should be removed in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ). This statute requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
The item in question is as follows : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Reported Charge-Off Date : XX/XX/year> According to the Internal Revenue Service ( IRS ) , a canceled debt reported as a charge-off XXXX be considered gross or ordinary income. I received a Form XXXX indicating this debt was canceled on [ Date of Cancellation ], which, according to IRS guidelines XXXX legally releases me from the obligation to repay this debt. 
In accordance with the FCRAs stipulation for accuracy, and based on the legal cancellation of this debt as evidenced by the IRS documentation, I am requesting the removal of this chargeoff from my credit profile. The continued reporting of this charge-off is not only inaccurate but also misleading, given that the debt has been legally satisfied and should no longer negatively impact my credit history. 
Attached are copies of the following documents supporting my claim : Form 1099-C indicating the cancellation of debt. 
Correspondence with the creditor confirming the status of the debt as canceled. 
I request that you conduct a thorough investigation into this matter and remove the inaccurate charge-off entry from my credit report promptly. Please provide me with written confirmation of the removal of this item, along with an updated copy of my credit report. 
I expect a response within the statutory timeframe of 30 days as mandated by the FCRAFailure to correct this error could result in further action, including potential legal proceedings to ensure compliance with the FCRA. 
Thank you for your immediate attention to this issue. I look forward to your prompt and positive resolution. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: AZ

Complaint narrative:
Account info : Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$450.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$450.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$450.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Thank you for your assistance. Sincerely, 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 2024-07-07 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: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Account info : Account name MIDLAND CREDIT MANAGEMENT Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$450.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$450.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$450.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief