vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 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: NV

Complaint narrative:
Subject : Dispute of Fraudulent Accounts, Hard Inquiries, and Derogatory Marks I am writing to formally dispute inaccurate and fraudulent information that appears on my credit report. I am a victim of identity theft, as detailed in my Federal Trade Commission ( FTC ) Identity Theft Report ( Report Number : XXXX ). Under XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and removal of these items from my credit file. 

Fraudulent Accounts : The following accounts were opened without my authorization and must be deleted from my credit report : XXXX XXXX XXXX XXXX : {$660.00} Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Amount : {$200.00} Opened : XX/XX/XXXX Fraudulent Hard Inquiries : These inquiries were made without my consent and should be removed immediately XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Derogatory Marks : The collection account reported by XXXX XXXX XXXX is inaccurate and should be removed. I have not received proper documentation verifying that I owe this debt. XXXX XXXX. XXXX requires furnishers of information to verify its accuracy, and the burden of proof is on the collector. Since they have failed to provide proof, this debt should be deleted immediately. 

Additionally, I invoke XXXX XXXX. XXXX ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) to demand that all communication from debt collectors regarding these fraudulent accounts cease immediately. 

I request that you : 1. Remove the fraudulent accounts, inquiries, and derogatory marks.

2. Provide written confirmation that these items have been deleted.

3. Investigate and verify the accuracy of the disputed items. 

Failure to correct these inaccuracies within the legally required time frame will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Enclosed are copies of my FTC Identity Theft Report, personal identification, and any other supporting documents. Please conduct this investigation immediately and respond in writing within the timeframe mandated by law. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX without prejudice

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 2025-02-16 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:
There has been alot of false report on my consumer profile with various account that was closed and placed on my credit report.I am demanding an investigation into these account as soon as possible and I want them to be removed according to 15 U.S. Code 1681s-2 it is unlawful to furnish wrong information on consumer report. 

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

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 2025-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ZIONS BANCORPORATION
State: ID

Complaint narrative:
I am planning on contacting the bank on Tuesday. However, when I was downloading my 1099-int form, I had two of them. One was mine, and the other was for a person I have never had contact with. I had their bank account information along with their name and address and the last four of their SSN. I had their entire 1099-int information. This is concerning to me because if I have this person 's information, someone else might have my information and that is a risk for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, Please, on XXXX, XXXX  I was using XXXX, I was reviewing & confirming the XXXX transactions. 
I only XXXX to Names not phone numbers. 
I saw {$100.00} XXXX  to XXXX. 
I immediately knew it was Fraud, because I dont XXXX phone numbers. All my XXXX have contact names. 

This XXXX XXXX is not in my contacts. 
Ive never XXXX  this number. 

I click on the XXXX register information and found an XXXX XXXX XXXX Ive never XXXX  her or received an XXXX from this number. 

I Reported Fraud to To Chase Fraud Dept. 
The Fraud Dept said no fraud was found, and they are not responsible for guaranteeing missing XXXX from my checking account. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was unaware of my information being used for any of these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
My credit report is being impacted by inaccurate accounts being reported from Credence Resource Management. 

I have requested original contract information bearing my signature, also requested promissory note. I have not received any responses or information in regards to these disputes. Ive also requested method of verification and debt validation and never received these items. 

I would demand for all communication with Credence Resource Management to cease and desist. 
Please also have these companies remove any reportings from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX I open a 19 month XXXX. at U.S. Bank with {$100000.00} with a XXXX XXXX at their XXXX  XXXX, California office. 
The interest rate was 4.95 % and I made it clear I wanted interest income taxes taken out so I would not get hit hard at tax season. I filled out a W4 so this problem would not happen.

When I received my tax statement that first year everything was perfect... .the appropriate taxes were taken out. When I received my tax information this year I was horrified to see that the taxes were only taken out for a few month ... .leaving me with a lot of money owed this year for taxes. 
Upon calling the bank I got XXXX and was told they NEVER take taxes out of a XXXX... which was odd because they did it the first year. Upon further looking into this I got ahold of the banks manager XXXX who told me I filled out a W9 form in XX/XX/year> ... when I asked for a copy of this form I was denied access to it being sent to me. After calling customer service I received a copy without a problem. The bank Manager XXXX just wanted to give me a hard time it seems. 
When the bank sent me the W9 form ... after filing out the W4 ... I was told it had nothing to do with taxes ... .just a form because it was {$100000.00} we were dealing with. This bank lied to me and had no regard for my needs as their customer. You should be able to trust a bank to keep your money safe and they failed miserably. Not enough words to express my disappointment with U.S. Bank for failing to look out for my needs. I did not think I had to investigate what they told me... .obviously I did because they lied to me to do what was easiest for them. U. S. Bank totally disregarded my wishes and did not my keep my money safe ... .what a bank is suppose to do?

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 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I contacted American Express regarding a card that I received in the mail and did not open. I called and disputed opening the card. I received a letter in the mail stating that I opened the card. This is fraudulent and someone stole my identity and needs to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: TN

Complaint narrative:
XXXXXXXX XXXX  ( original ) HARRIS & HARRIS , LTD ( XXXX XXXX ) Date Assigned XX/XX/year> Amount owed- {$100.00} XX/XX/year> I paid {$130.00} in store after returning the service equipment that i was in debt over. Id like the collection removed from my record immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have called multiple times to get an answer as to why they haven't closed the account and sent me my funds, and they just tell me that I have to wait. I don't owe them any money nor did I misuse the account. I didn't even use it. I opened the account, put in XXXX that my girlfriend sent me via XXXX. And that same day, they blocked it for no reason, all of that was approximately 3 weeks ago. They won't let me use the account, they haven't decided to close it and they won't let me withdraw my money either. I'm tired and I feel scammed. I'm not interested in any connection with that bank. I'm just interested in them giving me my money. Currently my case is supposedly being handled by an agent. Agent, I've been calling for several weeks and they haven't given me any response. In any bank it's almost automatic to be able to close a bank account, especially if you don't have any debt with the bank and it's not under investigation. I need your help because this experience has been very frustrating.

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 2025-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Oliphant United, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX accelerated inventory management XXXX XXXX XXXX was filed a response in the debt. i was filed paper work on Docket No. XXXX The response read The debt is time barred over XXXX years since the time of charge off The court date was XX/XX/XXXX I filed a Motion to dismiss the case due to The debt being time barred the judge agreed and dismissed the case Its was settled in court by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas Accelerated inventory management once again filed suit in another court in the same county of vXXXX on XX/XX/XXXX XXXX once agin i filed a response to the debt it was past the statue of limitations i received no response XX/XX/XXXX they filed a motion to have a court date set I ask that This company remove this debt from my credit report and stop harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
Good day, I have never received a letter, email, phone call from my bank. I received letters from a person located at po box XXXX, XXXX XXXX  XXXX. I have been receiving a letter from this person for about a year, and I have notice my bank account information such as the date has been change on my account. 
I received a letter from this person last week, XX/XX/year>. There is no date on the letter. The name on letter is Sunrise Credit Services XXXX XXXX XXXX XXXX XXXX with an internet address www.sunrisecreditservices.com. Also a phone number XXXX. 
I have been making payments on my account with my bank. Once again I have notice received any letter to send payment to a debt collector. 
This person knows when I have made a payment. 
I consider my account, my privacy has been compromised. 
I am not gon na pay this person a dime. I dont know who this person is. 
Also this person is demanding i send money via XXXX XXXX, call XXXX and identify yourself as a XXXX Collect Customer. Include the following information on the Quick Collect form, Payable to : Sunrise Credit Services, Code/Destination : Sunrise, NY, Reference number : Your account number. I can also use a a free automatic phone payment system at XXXX XXXX hours a day, 7 days a week and pay with your check or debit card. 

Please I kindly appreciate your help in stopping this person from harassing me. 
Sincerely

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 2025-02-16 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: PA

Complaint narrative:
Seems my information was involved in a date breech with Equifax all my reporting in incorrect reporting Charge offs late payments all inaccurate XXXX XXXX XXXXXXXX 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 ALL other department stores listed on y credit report do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have received multiple emails from the Department of Education that my loans were being XXXX because of a case that found the school I attended was found guilty in a court case against them. The first email about the discharge was on XX/XX/XXXX. At first I stopped making the payments like the email said, then a few months went by and I received an email saying that I missed a payment and when I went to check on my loans it showed that there was no payment need to be made so I left it alone. a few more months go by and then again I receive another email saying that I missed a payment and again I checked the account, but this time it showed that a payment of {$0.00} was due. So I paid the normal amount that I have been paying and did for a few months. I then received an email saying that my discharge was approved and that no more payments were needed and to stop making payments. That email was received on XX/XX/XXXX. After that email I checked my account again and it showed that the loans where put into forbearance and that I no longer had an option to make any type of payment. So with that I figured that things were being finalized and that the loans were being taken care of. I now received an email saying that I have been reported for " missed payments over 90 days '' and it has affected my credit score drastically. I have been trying to find any information in my loan account that tells me anything but there's nothing. It still shows that no payment is due and I have no option to make any payment of any kind to the loans. I tried to reach out to the Department of Education for information and when I submit my request or email it says that the service is unavailable right now. I tried to file a complaint with them about my credit being affected and when I try to submit my complaint that also gets denied and I'm shown a box that says " this service is unavailable at this time ''. I've reached out to the loan service provider XXXX about the issues and are still waiting on a response from them on what is being done. I have been receiving emails that are conflicting with each other and need some resolution, and if they are not going to allow me to make payments then I need this to not be reported and my credit score to be fixed.

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
im not aware of any of these companies running my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: GA

Complaint narrative:
Dear XXXX, I am writing to formally request the immediate removal of the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX from my credit report. This address does not belong to me and is incorrect. I have no affiliation with this address and I insist that this information be removed promptly to ensure the accuracy of my credit report. 

As a consumer, I am entitled to have only accurate and up-to-date information reflected on my credit report. I urge you to adhere to the Fair Credit Reporting Act ( FCRA ) and any relevant regulations to ensure the accuracy and fairness of the information that is being reported. I expect you to follow protocol, investigate the dispute, and delete this incorrect address from my file without delay. 

Please send me written confirmation once this address has been removed. I trust that this issue will be resolved immediately, as I only want accurate information on my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 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 2025-02-16 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/year> SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 

I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : You should also be aware that sending unsubstantiated demands for payment through the United States mail system might constitute mail fraud under Federal and State law. 

You may wish to consult with a competent legal advisor before your next communication with me. 


XXXX XXXX - XXXX - I was never late on this item- This is paid as agreed and should not be reporting negatively on my report. 

I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Orginal lender account was set up auto payments. Then with covid i continued to make payments then account was sold and account went into deferred payments because of government made a new forbance or extenstion and my auto payments halted and i was removed of the autopayments with netnil without my knowledge. Then i had been showing current uptil XX/XX/year> with no contact or communication from lender. Then i was reported XX/XX/year> as 90 days past due to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Every 90 days I have requested that these fraudulent accounts be removed from my credit and every single time the reporting agencies come back and say they are accurate and leave them on my report. They do not belong to me. My maiden name was XXXX and I have had fraud in the past Ive sent them copies of police reports. I have sent them multiple letters and every 90 days I repeat it and over and over again I hit the same wall. Can anybody please do anything to help me? Its XXXX XXXX  multiple cards and capital one. XXXX  in total from someone elses report.

Company response to consumer: Closed with explanation