vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX  {$2800.00}. Someone had used my information to apply for an apartment I believe a CPN. I went up there personally to resolve it but it is a major language barrier. 
XXXX XXXX ( insure of amount ) this is also a fraudulent account I did not give them permission to take a loan out. 
Ashmer Collection Service- {$720.00} fraudulent account not given my permission. Company has not followed up with any requested account information. 
XXXX XXXX XXXX Fraudulent account not given my permission. Company has not followed up with any requested for validation of account details.

XXXX Department of education - Balance was paid off in XXXX by me and my dad I need this take off my credit report. 
Ashmer Collections- ( Unsure of amount ) could not get in contact cant not get verification of account details XXXX XXXX XXXX XXXX unsure of amount ) fraudulent account cant get status or verification of account details XXXX XXXX- {$240.00} this account was used with a CPN as well when someone used my information to apply for an apartment. I asked them to verify and have yet to see anything removed I had a credit analysis done and didnt realize this is why I been having a hard time moving out of my dads house. I need some help getting this removed as I need to move out soon. I did lose my social, id on the bus 3 years ago and a lot of random stuff is reflecting on my credit that needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: AZ

Complaint narrative:
I made a payment to my credit card to pay off the full balance. For some reason it flagged my account for fraud. So capital one restricted use of my credit card account until I could prove that I paid from an account that I own. I sent documents from my bank account verifying that I was the owner and i sent a copy of my bank statement. Capital one did not want to accept these documents because the bank statement didn't reflect my full account number. I pointed out that the letter from my bank stating I was the owner of the account reflected the full account number. But then because the letter didn't have an " official stamp or signature '' they won't accept it as proof of ownership. I've tried to send anything else but they won't accept it. I now received a letter by mail stating they will close my account if I don't send them the documentation they want. My hands are tied, my bank account doesn't generate statements reflecting the full account number and they can't generate a letter of account ownership with a stamp.

I paid off this account in an effort towards improving my credit score and now they will tarnish my credit score by closing this account. I've provided plenty of information proving I'm the owner of my bank account and capital one is deliberately making it a painful and impossible process to try and fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I clipped a XXXX XXXX 10 % cash back when spending {$100.00} or more offer before my transaction posted. Offers isually run for 30 days or so. I noticed glitches on their website, offers could be seen and clipped, then disappear and reappear. 

On XX/XX/year>, my XXXX XXXX transaction of {$490.00} posted that is eligible for {$57.00} cash back. The representative stated I did not clipped the offer before the transaction posted. I strategically plan and use my credit cards toy advantage and I certainly did clip the offer on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DSR HOLDINGS GROUP, LLC
State: WI

Complaint narrative:
Haven't received any debt paperwork. And I don't believe the debt is mine. Keep getting calls and they are very unprofessional. When I talked on the phone they just say their 1st name and nothing else. Usually a legitimate business says the business when they answer the phone. I have also recently had identity theft issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EdFinancial Services
State: PA

Complaint narrative:
EdFinancial LLC has not provided information as a government official. This LLC do report to act as a government official. The last complaint they replied to did not mention legal tender received and satisfied as of XX/XX/year>. Debt was satisfied in full as reported. Any and all amount applied after XX/XX/year> is null and void. All debt was tendered in good faith with a negotiable instrument to satisfy the claim. 

UCC 3-311. ACCORD AND SATISFACTION BY USE OF iNSTRUMENT ( a ) If a person against whom a claim is asserted proves that ( i ) that person in good faith tendered an instrument to the claimant as full satisfaction of the claim, ( ii ) the amount of the claim was unliquidated or subject to a bona fide dispute, and ( iii ) the claimant obtained payment of the instrument, UCC1-308 All Rights Reserved without prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a direct and unequivocal demand to address the blatant and illegal mishandling of my consumer report. You are unlawfully reporting and distributing my personal information, conducting unauthorized inquiries, and maintaining inaccurate data in violation of my rights under federal law. 

Let me be perfectly clear : I, XXXX XXXX, NEVER authorized Equifax to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer.

15 U.S.C. 1681b ( a ) : A consumer reporting agency may furnish a consumer report ONLY under the following circumstances : ( 2 ) With the written instructions of the consumer to whom it relates.

Since no such written instructions exist, your actions are illegal and constitute a breach of federal law.

Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am formally disputing the following accounts reported on my credit file and requesting full verification of their accuracy and validity : Under Section 609 and Section 611 of the FCRA, I am requesting that you : Provide full verification of these accounts, including signed contracts, account statements, and proof of any alleged debt.

Identify the original creditor and provide full documentation establishing the accuracy of the reporting.

Cease and desist from reporting unverifiable or inaccurate information, as this is a violation of my rights under the FCRA.

Legal Points of Emphasis : 1. 15 U.S.C. 1681e ( b ) : The reporting agency must maintain maximum accuracy of all consumer information. Failure to do so constitutes a violation.

2. 15 U.S.C. 1681i ( a ) : You are required to reinvestigate and resolve disputes within XXXX  days.

3. 15 U.S.C. 1681n and 1681o : Any willful or negligent non-compliance with these regulations may result in civil liability, including statutory damages, punitive damages, and attorneys fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: TX

Complaint narrative:
There appear to be several errors in my credit report, particularly concerning late payments. These are not consistent with my regular payment pattern. I kindly ask you to correct these issues and adjust my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: Chime Financial Inc
State: NJ

Complaint narrative:
Chime Financial opened a fraudulent account ( Acct # XXXX ) using my SSN on XX/XX/24 while my credit was frozen/locked for XXXX, XXXX and XXXX ( XXXX was XXXX on XX/XX/24 ). On XX/XX/24, Chime reported an unauthorized account linked to my XXXX to XXXX. I contacted Chime to report the fraudulent account on XX/XX/24 ( XXXX XXXX : XXXX ), at which time Chime could not locate the account. On XX/XX/24, I had a XXXX investigation initiated and reported Chime to the CFPB. On XX/XX/24 at XXXX XXXX, I received an email from Chime indicating a fraud investigation was opened. This email provided a link for me to upload proof of my ID claim, including this FTC report. At XXXX XXXX on XX/XX/24 ( the same day ), I received an email indicating that the investigation was closed and Chime couldn't confirm that ID theft happened with the account. Chime also took action to close the account less than XXXX hours after I was provided the opportunity to submit proof of fraud. THIS ACCOUNT WAS FRAUDULENT and Chime did not provide a thorough investigation. The fraudulent Chime account still remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: CA

Complaint narrative:
I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect address remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, 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 2024-12-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect address remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Chime Financial opened a fraudulent account ( Acct # XXXX ) using my SSN on XX/XX/year> while my credit was frozen/locked for Transunion, XXXX and XXXX ( Transunion was XXXX on XX/XX/year> ). On XX/XX/year>, XXXX reported an unauthorized account linked to my XXXX to Transunion. I contacted XXXX to report the fraudulent account on XX/XX/year> ( Call Ref : XXXX ), at which time XXXX could not locate the account. On XX/XX/year>, I had a Transunion investigation initiated and reported XXXX to the CFPB. On XX/XX/year> at XXXX XXXX, I received an email from XXXX indicating a fraud investigation was opened. This email provided a link for me to upload proof of my ID claim, including this FTC report. At XXXX XXXX on XX/XX/year> ( the same day ), I received an email indicating that the investigation was closed and Chime couldn't confirm that ID theft happened with the account. XXXX also took action to close the account less than XXXX hours after I was provided the opportunity to submit proof of fraud. THIS ACCOUNT WAS FRAUDULENT and Chime did not provide a thorough investigation. The fraudulent XXXX account still remains on 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 2024-12-06 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/year> : XXXX XXXX XX/XX/year> : XXXX XXXX XX/XX/year> :

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 2024-12-06 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Inquiries : XXXX XX/XX/year> : XXXX  XXXX XX/XX/year> : XXXX XXXX XX/XX/year> :

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 2024-12-06 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Placed an unauthorized hard inquiry into my credit file. I did not not authorize XXXX XXXX XXXX XXXX to check my credit again. I do not do any business with XXXX XXXX XXXX XXXX. This is a fraudulent inquiry.

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 2024-12-06 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: AL

Complaint narrative:
I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and METRO 2 COMPLIANCE STANDARDS.

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 2024-12-06 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:
I am writing to demand the immediate deletion of the XXXX XXXXXXXX XXXX XXXX account ( Account Number : XXXX ) from my credit report. According to your records, this account is listed as charged off, with an amount of {$470.00} written off and {$530.00} past due as of XX/XX/year>. 

Under 15 U.S.C. 1681e, the Fair Credit Reporting Act ( FCRA ) mandates that all information reported to consumer credit files must be accurate, complete, and verifiable. Additionally, 15 U.S.C. 1681i requires that when a consumer disputes an item on their credit report, the credit reporting agency must investigate the dispute and correct or delete any inaccurate or unverifiable information within XXXX  days. If you can not provide documentation verifying the charge-off and past-due amounts, you are legally obligated to delete this account. 

Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to implement procedures to ensure maximum possible accuracy. I dispute the accuracy of this account and demand a full investigation. 

If you can not validate this information, I demand immediate deletion of the XXXX XXXXXXXX XXXX XXXX  account from my credit report. Failure to resolve this dispute within the XXXX statutory period will result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) XXXX and the state attorney generals office for failure to comply with the FCRA. 

Please send me written confirmation of your actions regarding this matter within the required time frame.

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 2024-12-06 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: NC

Complaint narrative:
Was not properly informed of information that dramatically hurt my credit.

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