vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Resolutions, LLC
State: CT

Complaint narrative:
Credit resolution LLC contacted me about a debt i do not owe in XXXX. I explained to them that this debt is not owed and was wrongfully charged and was in dispute with the merchant. Credit resolution still went ahead and report this collection on my report since XXXX and this has caused me great pain and suffering. Drop in my credit score and denial of credit. 


Account info Account name CREDIT RESOLUTIONS LLC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3600.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$3600.00} Highest balance {$0.00} Terms 1 Months On record until XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, 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:
XX/XX/2022 XXXX XXXX did a Unauthorized credit check that put a hard inquiry on my consumer account. 

I called and emailed them I was told that it would be removed but it's still showing on my report and needs to be deleted ASAP.

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 2022-09-20 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
A cash advance payment sent to a colleague was mistaken for a dispute as it had no label and did not show recipient on statement. I canceled the dispute, but they charged the recipient a month later anyway a processing fee of {$15.00}. The email sent to the recipient contained my full name, account number, transaction fee, and transaction number. This was in direct violation of my privacy. Had the recipient been indeed acting fraudulently my personal info wouldve been in jeopardy. They are not addressing this issue, I continue to get transferred or disconnected.

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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am writing you to help me with 2 JPMCB credit cards debt incorrectly reported in my personal credit bureaus files than corporation. The credit cards were issued to corporations, and I didnt sign any personal indemnification for them, and its still show up in my personal credit bureau reports. The cards were issued to XXXX XXXX XXXX and XXXX XXXX XXXX by Chase Bank. The directors used them strictly for business purchases. During the Covid-19 pandemic, the businesses went down and were not able to pay the creditors. The debt is still showing outstanding in my personal bureau file. I dispute it twice with 3 credit bureaus, but the Chase Bank refused to remove them, that wrongly reported. I ask under Fair Credit Reporting Act that the debt can be reported and moved to the corporations bureaus files from my personal. Once this happens, I would be able to settle for monthly payment with chase bank until paid off. This corporate debt is reporting in my personal credit reporting that prevent me from getting a career with XXXX XXXX and other careers that I pursue for living and debt payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and saw an account that does not belong to me.

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 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My account was closed without my permission and I have not received any correspondence from capital one regarding why my account was closed. I made on time payments and was still making payments to the account. I learned my account was closed when I tried to use it for a gas purchase after paying the bill and I was informed my account was closed when I called in. 

Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against I.C. SYSTEM, INC for a number of federal violations. I have NEVER given I.C. SYSTEM, INC any kind of permission to use any of my identifying information to commit mail fraud by contacting me about this alleged debt they claim I owe. I am fully aware that in accordance with Article 9, the assignment of a defaulted note is completely illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
Ive never received any documentation requesting validation from I.C. SYSTEM, INC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If I.C. SYSTEM, INC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me ( the consumer ) prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I.C. SYSTEM, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them such as a trilateral contract. If this documentary evidence can not be produced and I.C. SYSTEM, INC continues its collection efforts, I will file for litigation for actual damages caused and I.C. SYSTEM, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2022-09-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I opened the Bread savings account with {$100.00}. All I did was try to link my XXXX account so I could transfer funds. 

Next thing I know, the account was restricted. I sent in everything they requested, but they still would not unlock my account. I made MANY requests. 

I finally told them, in very simple tetms, that I want to close the account and get my very much needed {$100.00} back. No one will do this for me. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I recently reviewed my credit report I noticed this account was opened without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: CURO Intermediate Holdings
State: CO

Complaint narrative:
I contacted XXXX, XXXX, XXXX as well as the collection company AD Astra Recovery Services about a debt that I do not recognize on my credit report. I asked for proof that this debt belonged to me or have it removed. Neither was taken card of from any of the parties. Ad Astra has yet to answer a call, return a call or write me back and it's be about 60 days. If I can not be provided proof that this is indeed my debt I'd like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: GA

Complaint narrative:
My score dropped XXXX after I called and complained about an dispute with out any explanation! As to way it down the company is tampering with my credit report I was sent to three different departments from dispute to fraud to a supervisor that could not help back to dispute this has gotten out of hand with Equifax!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I Had 10 fraudulent charges on my account totaling over XXXX dollars. I filed a claim and 9 days later I received a credit. However Wells Fargo knowing my Debit Card was being used by someone other then myself never canceled or changed card numbers. Now my card has been used again without my permission for an online gambling site. I believe these fraudulent episodes in the month of XX/XX/XXXX were related and could have been completely avoided if Wells Fargo would have canceled my debit card number after the first fraudulent dispute I filed on XX/XX/XXXX I believe. I now have to go through this entire process again because I feel Wells Fargo did not handle this correctly and help prevent this. On XX/XX/XXXX I filed the second dispute totaling over XXXX. On XX/XX/XXXX I received an email saying my dispute was not approved. First thing it said was the reason why they never canceled my card from the previous dispute was because it wasnt a fraud dispute. However this is absolutely not true. If you listen to the phone conversation I had when I made the claim I clearly stated I received an email saying there was 20 % bonus credits being offered. So I decided to try it out. The screen said there was an error please try again, so I did maybe 3 times total. Next thing I know these charges were actually going through and someone other then myself continued to make charges again and again I believe there was over 10. In the conversation I also stated I am starting to believe the original email I received might have been fraudulent and I fear I possibly was being scammed. The letter also stated that another reason was the account balance was checked several times before the claim was submitted. This is true. However I was told charges that were still pending could fall off therefore they need to be no longer pending. As soon as the charges were no longer in pending status I filled the dispute. This was the same day they were no longer pending. Next reason they stated was I used this service prior. This is true hence the reason two charges I did authorize were not included. The debit card should have been canceled after the first dispute and this would not have happen for the second time. I assure you if you listen to the conversation I had when I filed the claim on XX/XX/XXXX you will understand what I mean. when I state my card should have been reissued. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: HCFS Healthcare Financial Services of TeamHealth
State: NV

Complaint narrative:
XXXX  debt continues to show up on my credit when it was closed and removed before

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently reviewed my credit report, This account was opened without my authorization. I would like to receive all the paperwork at the time or opening the account including a copy of the identification.

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 2022-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Someone from Texas has used my name to set up a utility account and now the bill showed on my credit report and is damaging my credit. The below was provided and I was asked to provide a record of proof of my address which I have. 
Collection Agency TRANSWORLD SYSTEMS INC Original Creditor Name XXXX XXXX  Date Assigned XX/XX/2022 Original Amount Owed {$470.00} Amount {$470.00} Status Date XX/XX/2022 Status UNPAID Balance Date XX/XX/2022 Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification UTILITIES Last Payment Date Date of First Delinquency XX/XX/2022 Comments AFFECTED BY NATURAL DISASTER Contact TRANSWORLD SYSTEMS INC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The Credit bureaus stated Account Name XXXX & Account # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report either. 

Please see attached uploads, and highlighted areas= inaccuracies reported. 

Account Name : XXXX Account # : XXXX Account Name : XXXX Account # XXXX XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX  Account # XXXX XXXX Account Name : XXXX XXXX Account # XXXX XXXX Account Name : NOT REPORTED ( Maybe XXXX  XXXX ) Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Credit bureaus stated Account Name XXXX & Account # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report either. 

Please see attached uploads, and highlighted areas= inaccuracies reported. 

Account Name : XXXX Account # : XXXX Account Name : XXXX Account XXXX XXXX XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX  Account # XXXX XXXX Account Name : XXXX XXXX Account # XXXX XXXX Account Name : NOT REPORTED ( Maybe XXXX  XXXX ) Account # : 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 2022-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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 2022-09-20 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: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: Duvera Billing Services, LLC
State: CO

Complaint narrative:
I contacted XXXX, XXXX, XXXX as well as the collection company XXXX XXXX XXXX XXXX about a debt that I do not recognize on my credit report. I asked for proof that this debt belonged to me or have it removed. Neither was taken card of from any of the parties. XXXX XXXX has yet to answer a call, return a call or write me back and it's be about 60 days. If I can not be provided proof that this is indeed my debt I'd like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
My student loan payments doubled this year from roughly XXXX to roughly XXXX. I am a XXXX XXXX  and have been making my payments for the time I've been in XXXX  XXXX. This is not counting the XXXX  years I made massive ( XXXX $ XXXX ) payments and never was able to touch the principle amount due to the predatory interest rates. I called the company ( XX/XX/XXXX ) to attempt to work with them to lower the payments while I'm in school for the rest of this school year ( XX/XX/XXXX ). I was told ( my an incredibly rue and condescending manager ) that the loan ran out of in school deferment and that they only people who qualify for in school deferment extension are XXXX XXXX  students and " people who can write a prescription '' despite my program being longer than law school. Apparently Navient doesn't consider XXXX programs to be as important as law school. I explained that there is no way I can afford almost XXXX $ a month since my entire stipend is only XXXX a month and I have a child and an elderly parent I provide for. The manager 's response was to " figure it out. '' I was also asked " if there is any reason my cosigner can't help '' despite the company having record that he died almost a decade ago. I know they have that information because they threatened to sue my grandmother for money despite the fact that I have been making full and on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights. 

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

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