vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to submit a formal complaint against Equifax located in XXXX, GA., XXXX located in XXXX XXXX, FL., and XXXX located in XXXX XXXX XXXX CA XXXX This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Equifax, XXXX, and XXXX has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Equifax, XXXX, and XXXX has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I received a letter stating I owe I past due amount of XXXX dos and over XXXX XXXX dollars in late charges. The letter said if we don't dispute the amount in writing, according to state law, we would owe the amount, and a phone call to correct would not resolve the issue. 

My husband received a phone cal todayl saying that we had not paid the month of XXXX nor XXXX. He opened his bank app and told them we had. They said they could not find the payment, so you owe the money, and they are going to tack on late fees on top of that. They keep calling me but I don't pick up because I KNOW I paid, and they are just harassing me. What if I believed their claims and paid another payment? They are harassing us for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to submit a formal complaint against Equifax located in XXXX, XXXX, XXXX located in XXXX XXXX, XXXX, and XXXX located in XXXX XXXX XXXX CA XXXX This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Equifax, XXXX, and XXXX has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Equifax, XXXX, and XXXX has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i was have received multiple letters and emails regarding a collection that has violated my rights and do not owe. I am not liable for this debt to progressive. I have no contract with XXXX XXXX XXXX. i have not given them my written authorization to furnish this on my credit report. i have written them explaining how they have violated my consumer right to privacy by furnishing this on my credit in accordance to 15 us c 1692c they need my express permission to furnish this on my credit. They not received any written or verbal authorization to furnish this on my credit. Also i have sent them a cease and desist letter demanding that the stop any and all forms of contact including on my credit report. In accordance with 15 us c 1692c as well. i have filed a complaint with the better business bureau in regards to this violation. If my rights continue to be violated i will have no choice but to pursue legal action seeking compensation for statutory damages. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX I do not have contract with XXXX XXXX. the debt listed on my credit report does not belong to me! it is fraudulent. I looked at my credit report and noticed an unsual collection. It was completely unauthorized, done without my consent, I have in the past lost my personal credentials while searching for a job in which I had my social security card which I believe someone possibly stole my information. Please kindly I ask that remove this debt collection off 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 2023-11-18 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:
Account in dispute : XXXX XXXX I have provided full payment to XXXX XXXX for the alleged debt. It had been paid as agreed and never late but its showing as closed and incorrect payment history. 

I have provided certified proof the alleged debt was paid attached Please provide me with ALL documents XXXX has as evidence to prove this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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:
Account in dispute : XXXX XXXX I have provided full payment to XXXX XXXX for the alleged debt. It had been paid as agreed and never late but its showing as closed and incorrect payment history. 

I have provided certified proof the alleged debt was paid attached Please provide me with ALL documents XXXX has as evidence to prove this alleged debt.

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 2023-11-18 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: AR

Complaint narrative:
I am writing to submit a formal complaint against XXXX located in XXXX, XXXX, XXXX located in XXXX XXXX, XXXX, and Experian located in XXXX XXXX XXXX CA XXXX This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, XXXX, XXXX, and Experian has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of XXXX, XXXX, and Experian has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

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 2023-11-19 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: Paradigm Assets, LLC
State: CA

Complaint narrative:
I have no clue what kind of account this even is. Its not a credit card of any kind and I certainly never opened up any account like this. I need this taken off my credit files. Debt factoring account or something like that I have no clue even what that is all I know is someone racked up a few XXXX dollars and never paid on this! Was turned down on a lease recently because of this XXXX on my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: PA

Complaint narrative:
SIMM associates is emailing me about an account with purchasing power. This is not my debt. I did not give anyone consent to give away my information. No consent is identity theft. Please stop contacting me regarding this account it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Recovery Management
State: TN

Complaint narrative:
I have been in dispute with Fox Collection Center since XXXX or XX/XX/2023. The debt collection company is refusing to remove inaccurate account information on my credit report and is violating my federally protected rights. I have provided proof of these violations. The company also responded to the CFPB in an untimely manner, and I am requesting that this issue is rectified. 

This company is also reporting on my consumer report as a debt collector and an attorney which is a violation of 15 USC 1692e ( 3 ) of the Fair Debt Collection Practices Act under False or Misleading Representations- ( XXXX ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. The debt collector also did not send me any validation of debt per 15 USC 1692g as they stated they did on XX/XX/2023. They did not validate the debt upon request. The company did not cease all collection activities during the 30-day validation period. They are also reporting inaccurate information on my credit report for both XXXX and XXXX and reporting the account as open when the account is in fact a closed account. The FCRA is clear about 15 USC 1681 s-2 and other violations that have been stated in the law. The FCRA also mentions in 15 USC 1681e ( b ) that my consumer report must be XXXX percent accurate. The credit reports I have for both consumer reporting agencies are both inaccurate. I want the account from this company removed from all consumer reporting agencies and I demand that they cease and desist all collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT PER THEIR WEBSITE! 

I have disputed these fraudulent inquiries multiple times with EXPERIAN and they kept ignoring my request. So i'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive inquiries and they need to be removed immediately.

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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: TX

Complaint narrative:
Sterling has taken a VERY long time to complete my background check for employer " XXXX XXXX. '' This has been a nightmare and has also turned into a violation of the FCRA because they are waiting for public records from a XXXX that I've NEVER even lived in. The violation is wilful non-compliance a wilful injury, because they're the reason of me not being able to work and provide for my family. I have evidence that I NEVER have lived in this XXXX called XXXX XXXX XXXX therefore the background check should have been completed in a timely manner. I intended to sue to the fullest extent of the law under Civil liability Section 's 616-617. The background check has taken over a month to complete and should have NEVER taken this long to complete. I'm keeping track of all this information, correspondence ( I contacted this company muiltpe times ), and timeline for pending lawsuit should this background check not be completed immediately.

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 2023-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
You are listing on my credit report without my authorization or acknowledgment. This unauthorized access to my social security number without consent constitutes identity theft. What's even more concerning is the absence of a letter from you, providing me the opportunity to review the purported debt. Additionally, I haven't received any notification from you claiming that I owe you money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: UT

Complaint narrative:
A XXXX security salesman had me sign up for what I thought was a regular XXXX account but it was in fact a credit account with Citizens Pay. After my account was approved I realized what was going on and cancelled everything with the XXXX security company and nothing was installed or charged. 

I now have an open line of credit I do not want with Citizens Pay. I called and asked them to close the account and they said that it would take a couple of days. I got an email a couple days later verifying that my account was closed. I logged into the portal and can see that there is still a line of credit of {$6000.00} with a balance of {$0.00}. 

I called again and they were confusing but said my account was closed but that the credit would still be available for me to use. I said I do not want this credit available and would like to completely close the line of credit. 

They said they can't do this with no reason given and so I asked to speak to a superior and they said there was not one available. Another note is there was never a balance or a charge that could have potentially prevented this line of credit from being closed. 

At this point I have a line of credit with a bank I do not use and have to monitor it for potential fraud because they refuse to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX, I went to the Chase branch in XXXX, Wisconsin to open a new bank account, because I received a coupon via email, saying chase is offering a {$900.00} reward for new accounts. It took me more than XXXX hours driving to get there. The staff there recommended their premier checking and saving products, and everything get done by about 5pm that day. Chase staff also reminded me to set up direct deposit and transfer {$15000.00} into the new account in order to get the new account reward. 
After I returned home, I transferred in total {$10000.00} into the new Chase account via XXXX in the following days, from another bank account of mine ( BoA ). There were three transfers in total because XXXX has daily and weekly limitations. The transfer detail is : {$3500.00} on XX/XX/XXXX, {$3500.00} on XX/XX/XXXX, and another {$3000.00} on XX/XX/XXXX ( the receiving time may be different ). I also set up a direct deposit to the checking account. The next salary was supposed to be paid on XX/XX/XXXX ( bi-weekly ). 
Then on XX/XX/XXXX, I found that I can not transfer money from checking account to my saving account. I thought that maybe there may be a delay in the system, so I waited until XX/XX/XXXX. I found that I still can not do anything about my accounts, so I called the Chase asking why. They told me that they have decided to close the account, and refuse to provide any explanation. Right after I made the call, I found that I can not log in to my account via Mobile app or Website. They just locked everything and told me to wait until the closure is complete. I can not even manage my credit card any more ( I also have a Chase credit card, and already set up auto payment from the Chase checking account. So if they keep locking my account, I will get defaulted next month ). My employer is supposed to pay me on Friday, and since they locked my account, I don't even know where my salary goes. I called their XXXX branch, their customer service, their anti-fraud center, etc., a lot of departments. All of them kept saying that this is a final decision and there is nothing they can do, and I will never be able to open any accounts in Chase because they put me on a blacklist. There is even a guy saying that this is their right to do anything they want. Seriously I don't understand why Chase is doing this. This is irresponsible, offensive, and disrespectful. All I did is I drove a long way to Chase and opened an account, then deposited {$10000.00} in there. Then without any alerts, they shut it down and caused me so many troubles. As a consumer, I felt unfairly treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally file a complaint against EQUIFAX located in XXXX, GA ; XXXX located in XXXX, TX and XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely EQUIFAX, XXXX AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
make a transaction Through XXXX and by mistake a number was not correct, a deposit of XXXX dollars was made

Company response to consumer: Closed with explanation