vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I contact the credit agency concerning this matter and have not received a response as of yet. I asked that the hard inquires be removed because they were not authorized to run my credit without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: IL

Complaint narrative:
I did not grant permission for the inquiry. There has been no communication with this lender on the specified date.

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 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A.
State: CO

Complaint narrative:
On XX/XX/2024 i presented myself a creditworthy applicant with the capacity to enter into a binding contract, and i was denied. I applied for a business credit card, and i was informed that the bank policy stated that i needed to provide my social security number as i would have to be the personal guarantor. So i was denied an account or extension of credit nor any type of benefit based off my S.S number. I spoke with XXXX and XXXX from the executive client relations office of PNC bank and was advised that the legal department informed them to ignore the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bureau of Accounts Control
State: NJ

Complaint narrative:
On XX/XX/XXXX, a debt collector ( Bureau of Accounts Control INC dba BAC, XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) attempted to collect a {$5100.00} debt by phone and email. BAXXXX claimed that a XXXX XXXX accounting firm was owed monies from XXXX. BAC Collections also reported a " Collection Notice for Retail/Individual Debt to all three Consumer Credit Reporting Agencies to add a negative collection notice on my consumer credit reports. 

Since that time, I have tried several times to ask for proof/validation that the debt is valid, but the collection agency only provided an email from this CPA firm certifying to the validity that I personally owe this consumer debt. This is not legal proof and I have asked for account statements, dated invoices or other legal documents to prove this is a valid personal debt. I also have tried to dispute this collection notice using the XXXX Credit Reporting Agency websites, but they defer to the debt collector to correct errors and BAC has refused to provide validation nor corrected their false Collection Notice submitted to all major Credit Reporting agencies. 

In addition to not providing legal validation that this is a personal consumer debt, the collection agency ( BAC ) has fraudulently changed the original date of the claim. The XXXX XXXX firm and original claimant ( XXXX XXXX XXXX XXXX ) has provided business tax reporting services for XXXX of my limited liability companies ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX for {$750.00} ( invoice attached ). I have presented this invoice to BAC Collections, but they refused to correct the date nor acknowledge that the debt is a business-to-business trade matter and NOT a legal consumer debt. 

I called the XXXX  State Attorney General office and they recommended that I ask for legal proof I owe this debt of {$5100.00}, such as account statements, invoices or credit agreements in my name. I have asked BAC for this by certified letter and they have ignored my request for validation nor correct the original date of the claim ( XX/XX/XXXX ) and are violating the federal Fair Debt Collection Practices Act ( FDCPA ) by illegally reporting false credit collection notices on my consumer credit reports at XXXX, XXXX and XXXX. 

I request help to remove this false debt collection notice from all the Consumer Credit Reporting agency databases and to fine BAC Collections for not following the federal Fair Debt Collection Practices Act ( FDCPA ) for the statutory penalty of {$1000.00}. 

Thank you- XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2024-05-08 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: TX

Complaint narrative:
Reporting of inquiries from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-05-08 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: IL

Complaint narrative:
I have tried to get it into my account several times and they will not allow me to do so, since 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: CORELOGIC INC
State: NY

Complaint narrative:
I contact the credit agency concerning this matter and have not received a response as of yet. I asked that the hard inquires be removed because they were not authorized to run my credit without my permission

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 2024-05-08 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account for XXXX VYSTAR CU, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 us code 1692j - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete.

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 2024-05-08 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: MD

Complaint narrative:
The whole account is incorrect they have multiple balanced across all three credit bureaus that report different balances. Also this account was dismissed and XXXX due to insufficient evidence on there end as well as statue of limitations. It was supposed to be removed from my credit report as of XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: MD

Complaint narrative:
I have documentation proof that Equifax provided other bank lenders inaccurate information as it pertains on a credit reference. But the problem still remains until they decide to remedy the situation. Another issue is that its been over 60 days in waiting for a status. Recently I mailed a written personal disputes letter in accordance with FCRA addressed to Equifax Disclosure Department. Their response was for me to identify credentials to them via mail as proof even though the letter identified w/my credit report digit XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX attempt to contact treasury dept. debt shows as student loan. No response to automated vm system. No return call. Sent letter to treasury listed on XXXX. No statement from treasury no proof of debt. Disputed to credit agency responded debtor states valid. No proof of debt. Associated it with possible identity theft due to home burglary. 

XX/XX/XXXX received correspondence in mail from CBE group identified themselves as treasury collection agency. I disputed debt again. They stated debt was associated with Bankruptcy trustee. Bankruptcy records fully XXXX XXXX  XXXX business reorganization completed XX/XX/XXXX. 

CBE stated ordered proof of debt from Treasury by XXXX XXXX but not yet returned. XX/XX/XXXX spoke with CBE rep XXXX XXXX state no proof of debt received and confirmed my verbal and written dispute of denying the validity of debt on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Stole identity and wrote a fraudulent check

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 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
We are a business. The company calls multiple times a day requesting to speak with someone that does not have an extension at our company. We have asked them to stop calling and they refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a message and email from Chase telling me that my account is being closed. When I tried to call the number and ask about the reasons, they replied that they could not provide any reasons, but the fund would be sent to me in the form of a check after ten days. On XX/XX/XXXX, I tried to call back, but when I entered my debit card number following the instructions of the call, they said they could not find the debit card number so I could not event connect to a real person. I don't know how to follow up with Chase. They did not send me any information regarding the reasons for closing my account and when they will send my money back. I really need the money to pay my rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off account listed below. SYNCHRONY BANK XXXX After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form for my tax filing.

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 2024-05-08 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Kentucky Management Services, Inc
State: KY

Complaint narrative:
Central Kentucky Management Services , Inc, stated I owed {$80.00} I call them and told them that I am bankruptcy and was surprised that XXXX turn me over to collections because I was on a payment plan through them, and was not notified about it until Central Kentucky Management Services

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I was awarded forgiveness by XXXX ( attached ) and XXXX has a {$0.00} balance on their website. The Department of Education no longer matches my XXXX account, they still have a balance due of {$17000.00}, and I would like it if the Department of Education matches XXXX at a {$0.00} balance and provides me with an account forgiven letter similar to XXXX. ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: FL

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-08 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: FL

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My account was restricted on XXXX XXXX XXXX after I deposited a check from XXXX XXXX in the amouint of XXXX. I have been told the reason that this happened was because "due to activity that is outside of Navy Federals acceptable level of risk." I was informed on XXXX XXXX XXXX "our branch representative contacted the paying financial institution and was advised that the check was altered and would not be paid. Therefore, the funds will not be released, and the account restriction will remain permanently." I have now been in contact with XXXX XXXX and have received two official letters proving the legitimacy of the check deposited. The letters from XXXX XXXX provides the check number, a copy of the check that was deposited into my Navy Federal Account, the amount of the check, the date the check was paid, and any other information that would be necessary to prove the legitimacy of the check I deposited into my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: IL

Complaint narrative:
Checked my credit and it dropped XXXX points and I was shocked. Checked into it, they added {>= $1,000,000} plus to my loan amount. I owe only around {$140000.00}. Now they say I owe over XXXX. Never received the money from them and didnt apply for the extra money either. Im close to trying to receive another loan, but now with this showing this amount and credit dropped. Never be able to buy another property with this problem.

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 2024-05-08 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
They are in violation of 15 usc code 1681s-2 inaccurate reporting and reported contact

Company response to consumer: Closed with explanation