vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 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: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
I am filing this complaint because I am being harassed by a debt collection agency for a debt that I do not owe or that is not valid. The collection agency has failed to provide proper validation of the debt despite my request, as required under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, they have continued to contact me repeatedly via phone and email after I requested they cease communication. I believe the debt is either inaccurate or was not mine to begin with, and I have asked the agency to provide evidence supporting their claim, but they have not responded or provided the requested documentation. This situation is causing undue stress and negatively affecting my credit report without justification. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: AL

Complaint narrative:
Requested my account be placed in billing error dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I, as the consumer have reclaimed the principal security interest on the credit card account in the name of the principal d/b/a XXXX XXXX XXXX XXXX , I have sent novations to JP MORGAN CHASE BANK , NA . reclaiming the principal 's security interest and tendering the payment by way of the bill of exchange fully indorsed since XXXX of XXXX with payment orders directing the bank to transfer the principals security interest to apply to the principals balance for set off, by way of registered and certified mail. this account has never been credited with the interest owed to the principal 's account, even though not XXXX bill of exchange has been returned to the consumer stating a defect. as the Agent to the principal these bills of exchange have been sent directly to XXXX XXXX, XXXX XXXX XXXX JP MORGAN CHASE BANK XXXX XXXX XXXX also to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX/INDENTURED XXXX XXXX XXXX XXXX XXXX the bank has placed this account in a default status and now we're in litigation as JP MORGAN CHASE BANK XXXX NA XXXX has filed a lawsuit against the consumer. case XXXX XXXX XXXX XXXX XXXX common pleas court, XXXX Ohio. These banks simply refuse to allow the consumer to claim the principal 's security interest to set off this account. JP MORGAN CHASE BANK, NA.is demanding that the consumer continue to send additional funds to the bank to satisfy the account. so much so JP MORGAN CHASE BANK, NA. has filed a lawsuit against the consumer named XXXX XXXX XXXX XXXX even though the consumer has been performing by way of the bill of exchange, stating the claim to the principal 's security interest, ordering the bank to transfer the principal 's security interest to the principal 's balance to set off the account to a XXXX balance. each party the agent to the principal has contacted as mentioned above through registered and certified mail. they have all ignored my novations and payment orders refusing to credit the account, even telling the consumer that type of payment wasn't accepted. 18 USC 8 states the bill of exchange is the same as a united state dollars. this account was prepaid according to the Federal Reserve Act sec, 16. as the consumer I have been performing as the bill of exchange act requires, performance is payment in law. for the banks to deny the principal the principal 's interest by claiming nonperformance, then to file a lawsuit to try to gain something extra should be criminal. JP MORGAN CHASE BANK, NA. has stated the account has been closed denying the principal access to credit. This is very wrong for the banks to be allowed to get away with such actions against the consumers, I felt this should be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
Synchrony Amazon Store CarXXXX received my payment of account balance in full on XX/XX/XXXX. They cashed the check and took the money. On XX/XX/XXXX they tell me I have XXXX XXXX  on the account because they have not credited the payment to my account despite having had the check since XX/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 2024-12-22 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: MD

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 2024-12-22 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: Kikoff Inc.
State: FL

Complaint narrative:
You XXXX XXXX replied that the alleged transaction you furnished as late was { accurate/ verified } choose the response they used } ] but my previous dispute did not ask you for accuracy or validation. 
On XX/XX/year> you furnished to { XXXX, XXXX, } put the CRA that is reporting the late payment } an alleged transaction as Late.

15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I requested the information that must have or possess by law in order for you to furnish a payment as late.

This is being request pursuant rule 1002.

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I need a copy of all my loans, forbearances and ALL payment to date. I was told I could find this information online. However, I dont see anything early than 2017 Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
That is to confirm remove Unauthorized Hard Inquiry made on 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 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 Attached Letter from Creditor which they sent copy to you as they confirmed with me i have reported right away to XXXX, TRANSUNION and XXXX to place fraud alert and dispute all this unauthorized hard inquires has left on my credit due to impact my credit Ask to investigate to remove this Unauthorized hard 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 non-monetary relief
Consumer complaint received 2024-12-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear XXXX, I am writing to formally dispute the reporting of an account by CAPITAL ONE BANK USA XXXXn my credit report, which I believe is inaccurate. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), I am requesting the immediate removal of this account from my credit report. On [ XX/XX/year>, I sent a written request to CAPITAL ONE BANK USA requesting that they cease all communications with me regarding the alleged debt. This written request was made pursuant to 15 USC 1692c ( c ), which clearly states that a debt collector must cease communication with a consumer once a request is made in writing to do so, except in certain circumstances ( such as to notify the consumer of legal actions being taken ). Since I have exercised my right to request that CAPITAL ONE BANK USA cease communication, I believe that the continued reporting of this account on my credit report is in violation of the law. As a result, I respectfully request that the CFPB investigate this matter and assist in removing this account from my credit file. I would greatly appreciate your prompt attention to this matter. Please confirm in writing that this dispute has been received and is under investigation. If you require any further documentation or information from me, do not hesitate to contact me. Thank you for your assistance in resolving this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: MI

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting.

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 2024-12-22 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: MI

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting.

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 2024-12-22 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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2024-12-22 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:
My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681B AND 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. B. I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. Please address this matter promptly and confirm the removal of the disputed entities.

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 2024-12-22 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: CA

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681B AND 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. B. I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. Please address this matter promptly and confirm the removal of the disputed entities.

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting a formal complaint regarding an incorrect address listed on my credit report. The address in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never resided at this address, and I believe it has been mistakenly reported as part of my credit history. For the past XXXX years, I have lived at the following address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attempted to resolve this issue directly with the credit reporting agency, but the incorrect address remains on my credit report. I kindly request that the someone please assist in ensuring that this inaccurate information is investigated and removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: MD

Complaint narrative:
I am writing to formally file a complaint regarding a charged-off account that continues to be reported on my credit report, despite qualifying as income under IRS guidelines . The reporting of this account without the issuance of a 1099-C form is both misleading and a violation of my rights under federal law.

Background The account in question was charged off by the creditor, which legally classifies the balance as canceled debt and, therefore, taxable income under the Internal Revenue Code ( IRC ) 6050P. According to this provision, creditors are required to issue a 1099-C form for canceled debts exceeding {$600.00}, allowing the debtor to report it as income to the IRS. However, I have not received a 1099-C for this account, yet the creditor continues to report the balance to the credit reporting agencies as an active charge-off.

Legal Basis for Complaint Violation of IRC 6050P : The internal revenue code mandates that creditors report cancelled debt exceeding {$600.00} to the IRS and provide the debtor with a 1099-C form. The failure to Issue this form not only prevents me from property reporting my taxable income But also raises concerns about the creditor 's adherence to federal law Fair Credit Reporting Act ( FCRA ) 16815-2 ( a ) ( 1 ) ( A ) : Creditors and furnishers are obligated to report accurate information to credit reporting agencies. Reporting a charged-off account as delinquent without issuing the legally required 1099-C creates an inconsistency between the IRS classification and the creditor 's reporting practices, constituting inaccurate reporting under the FCRA.

Consumer Financial Protection Act ( CFPA ) 1036 ( a ) ( 1 ) ( B ) : It is considered an unfair, deceptive, or abusive act or practice ( UDAAP ) to report a charged-off account as collectible or delinquent when it should be classified as
income and documented through a 1099-C.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
Navy Federal Credit Union : Account number ending with ... XXXX I had a fraudulent charge happen to my checking account ending in... XXXX. I have spoken with Navy Federal Credit Union countless of times about the fraudulent charge that happened since I been XXXX. I been XXXX  since XX/XX/XXXX of XXXX  and currently still is, viewing the information that I sent to Navy Federal Credit Union will see that this transaction was fraudulent. I have sent them all the verification that I can and my account still haven't been reopened and it's been over a year now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting a formal complaint regarding an incorrect address listed on my credit report. The address in question is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have never resided at this address, and I believe it has been mistakenly reported as part of my credit history. For the past XXXX years, I have lived at the following address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attempted to resolve this issue directly with the credit reporting agency, but the incorrect address remains on my credit report. I kindly request that someone please assist in ensuring that this inaccurate information is investigated and removed from my credit file.

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 2024-12-22 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: NV

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/1987 This XXXX Complaint has been filed to request a pursuant to FCRA subsection 605B or 15 USC subsection 1681C2 that you, the Trans Union 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 fraudulence, inaccurate and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have 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 affirmation accounts, collections, and hard inquiries are the results of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint number XXXX as proof from the US federal trade commission that all of the affluential 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 non-monetary relief