vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-28 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: NV

Complaint narrative:
After reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX is reporting Utilization on multiple accounts ( 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 ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: VT

Complaint narrative:
I have received VMs in the past year about this debt that I reportedly have with XXXX XXXX XXXX XXXX. I assumed it was a scam and did not respond. Today ( XX/XX/XXXX ) I opened a letter from RMS ( The Receivable Management Services LLC in XXXX, MN ). RMXXXX is using my correct name and my correct XXXX  account number, stating that they are a debt collection company and XXXX XXXX XXXX XXXX has contracted with them to collect {$3800.00} that I owe. ( Not true. My XXXX account balance is XXXX  ). They instruct to call XXXX to make a payment, or to access my account online, including payment options, to please visit XXXX I have not called the number nor logged onto any account because I am 100 % certain that this debt is not mine. However, it makes me SO angry that some poor person out there might actually get duped by these people, so Im reporting it to you. 

The have a customer support number : ( XXXX ) XXXX ( XXXXXXXX XXXX  XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They also list XXXX as a place to go for help. 

They have two addresses on the letter : return mail only- XXXX XXXX  XXXX, XXXX , MI XXXX ; support : XXXX XXXX XXXX, XXXX, MN XXXX. 

Please let me know if you need anything else from me. 

Thank you! 

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 2023-09-28 00:00:00
Product: Credit card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Kohls charged two cards for the same amount. Last four digits of the card XXXX is the only card that should have got charged. Kohls charged the same amount to two different cards. I have called for months and have put two different disputes. Never did Kohls send me anything in the mail or emails about my disputes. Ive called for 6 months about this. Know one wants to fix there mistakes but instead report false information to XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Since XXXX, 2022 I have sent to MIDLAND CREDIT MANAGEMENT , INC a request to validate account # XXXX and show me proof of ownership. They have failed all this time to send the required documentation to prove that this account is mine. As per the DFCPA, MIDLAND CREDIT MANAGEMENT must prove that this acct is mine showing any existing contract or application signed by me with my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
My student loan account has over XXXX dollars of accrued interest across several loans. This interest accrued while I was enrolled in graduate school, and the student loan pause started while I was still enrolled. There is no reason except for error that this interest should be on my account. 

I called aidvantage and was told a message had been sent with my issue and I have heard nothing back. I have since called nearly every day and have not been able to talk to a representative about my issue. 

Additionally, I submitted my application for the XXXX payment plan, and have not heard anything about it being accepted nor updates. all required documents were submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: IN

Complaint narrative:
I signed up with Self Financial to build my credit score of XXXX to higher so I could be an first time homebuyer through XXXX. Self has you to pay your money and allow you to borrow from what YOU put in. Within the first 6 months of paying on time and in full, Self never reported to any Credit Bureaus within 30 days and allowed XXXX to decrease my score to XXXX. I contacted Self thinking that they were going to correct it and instead they took NO accountability and did nothing to restore my credit score. Self accounts were closed on XXXX, 2023 and XXXX, 2023. I was notified by Self a few days ago, stating that I owed over an XXXX on running interest and running card account and I haven't used that card in almost an year. They also threatened to hinder my credit score even further if I didn't pay them on this closed account. I contacted the XXXX  and made an complaint and I received another email from an so- called supervisor from self stating I owed XXXX and if I pay it they will report it to the Credit Bureaus and they will close an account that has been closed for months. I declined and received an credit monitoring alert by XXXX, that Self has reported an Major Derogatory mark to the Credit Bureaus and I owe them XXXX. Self is an extremely fraudulent company and is destroying ALOT of people 's lives and credit. They don't offer ANY credit and doing this with the consumer 's own money. My credit should've been restored by Self is intent on extorting it's customer 's based on lies. Closed accounts too. I owe them nothing, my credit should've been restored and I DO NOT appreciate Self or their threats! This Company should not have the control to deplete credit scores and continue staying in business. The XXXX has XXXX 's of complaints on Self 's illegal practices and should NOT be allowed to threatened or extort consumers. They also DO NOT report to Credit Bureaus for 60-90 days because my credit score was lowered even while in good standing and paying on time! Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: MA

Complaint narrative:
I don't want these accounts in my report, they are directly affecting me and they are not mine. 

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 non-monetary relief
Consumer complaint received 2023-09-27 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 2023-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mandarich Law Group, LLP
State: NY

Complaint narrative:
I have received a letter from Mandarich Law Group with a judgement notice. The case number after further review is FALSE. They have stated to garnish wages which should not be the case this debt is past statue of limitation. Mandarich Law Group represent XXXX XXXX XXXX which purchased the debt from XXXXXXXX XXXX credit card. I have searched the county courts and their is no record of it. I have called them on XX/XX/XXXX and again on XX/XX/XXXX. I spoked to a representative from the law group who refused to left me speak to supervisor. I would like for XXXX to stop contacting and using unethical practices. The debt is from XX/XX/XXXX New York state collection law is XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: NY

Complaint narrative:
My social security has been compromised and used to apply for credit. I received numerous alerts from different vendors regarding credit inquiries for multiple cards and home lenders.

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 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Tried to use my debit card at XXXX XXXX. Transaction got labeled fraud and was unable to unlock card. Bank was unable to remove security hold. I was unable to access funds from atm. No one was able to explain how XXXX XXXX was fraud, unwilling to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I received an American Express gift card with {$100.00} on it as a birthday gift. Over the past month I have tried to use the card at a multitude of different online stores, gas pumps, adding to mobile pay, etc. just trying to spend the money I was gifted. Each transaction has been declined by Amex. Their reasoning I was told over the phone was increased security and to protect the card user. I clearly can not use the card anywhere. XXXX and XXXX have never had issues with my payments until using this card. The marketing of the gift card being accepted anywhere Amex can be used is very misleading and untrue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have had my account with Wells Fargo since 2016 Ive never had an issue. For the last 6 months fraudulent transactions have been happening on my account. I called in to dispute the transactions and they issued me an provisos credit on day XXXX of the claim Being processed. I assumed the claim was handled by the bank as they issued me the XXXX $ to my account. I used the money as it was given to me from the bank. I checked my mail box on the XXXX and it states XXXX  days from the letter my money was going to be taken from my account .I didnt give anyone permission to take this money as its my XXXX brothers direct deposit. I called the bank to reopen this claim or try and speak to a supervisor in regards to this because they said it was done by me or I gave permission to someone to have this money being taken because a pin was used. They basically said the claim is closed there is nothing they can do and they money will be taken regardless. This is frustrating and so horrible coming from a bank I have be loyal to for 7 years.

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 2023-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
In XXXX of XXXX, I was arrested for XXXX  XXXX at XXXX XXXX XXXX XXXX, XXXX, XXXX, FL. I was arrested at XXXX in the morning in my sleep, XXXX hours after the alleged incident. The house was full of XXXX users and stealing was a common occurrence. When I was arrested, my wallet ( containing my social security card, ID, all my bank cards / credit cards, voter registration, and some cash ) and my XXXX, along with all of my other asets / personal belongings were stolen because they were left behind at the scene. Someone there, i imagine my girlfriend at the time, helped the group gain access to my phone, giving them access to all my emails and all my online accounts. I placed a fraud alert with all 3 credit bureaus upon my release and filed identity theft XXXX and XXXX. Wouldn't you know, this personal loan for debt consolidation occurred in XXXX of that same year and was placed into a XXXX bank account with a different account number than the truist bank account i actually used/owned. Not a single payment was made on the debt consolidation account and the account immediately went delinquent. I've had no knowledge of this loan or bank accounts existence until today, XX/XX/XXXX, at which point i contacted experian to report the account as fraudulent as a result of identity theft. I have my suspicions as to the possible culprits and will be following up with XXXX to find out more information about the account the money was deposited into, to see if maybe someone opened a joint account, after i follow XXXX 's instructions to file this complaint and upload the complaint to their website alongside a copy of my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
US BNPT CT FL XXXX ( BANKRUPTCY XXXX XXXX-DISCHARGE ) XX/XX/2016 I PREVIOUSLY DISPUTED ( BANKRUPTCY XXXX DISCHARGE /REFERENCE XXXX XXXX AND YOU VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 
I CONTACTED THE COURT AND THEIR RESPONSE IS ENCLOSED. 
IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER, THEREFORE, YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT IS AN ERROR OR A LIE. 
EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) .AND THE INFORMATION MUST BE DELETED 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 non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
US BNPT CT FL XXXX ( BANKRUPTCY XXXX XXXXXXXXDISCHARGE ) XX/XX/2016 I PREVIOUSLY DISPUTED ( BANKRUPTCY XXXX DISCHARGE /REFERENCE XXXX XXXX AND YOU VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 
I CONTACTED THE COURT AND THEIR RESPONSE IS ENCLOSED. 
IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER, THEREFORE, YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT IS AN ERROR OR A LIE. 
EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) .AND THE INFORMATION MUST BE DELETED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In late XX/XX/XXXX I logged into my credit card app to use my reward points. However I noticed that all my points had been transferred out on XX/XX/XXXX but I did not initiate that transfer. I called and reported this and they saw a new authorized user was added to my credit card which I did not add. The company closes the account and sent me a new card. No fraudulent charges were made yet as they fraudster hadn't received the credit card. Chase told me that they would refund the points but they never came. I've called multiple times and they say it's is being reviewed by marketing but they won't let me speak to the team handling the case. Today I got a letter in the mail saying they will not refund the points that were removed fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: NH

Complaint narrative:
Without notice and while trying to buy a house, a debt collector on behalf of my current utility company - XXXX, put an old account of mine into collections. I have autopay set up with XXXX and everytime that I call it says my balance is {$0.00}. The debt collectors name and information is : Diversified Adjustment Service , Inc. Their web address is XXXX XXXX XXXX 

I called XXXX and they refused to assist me, sending me to Diversified. I called Diversified and informed them that i never received notice or the ability to dispute and they said " it was sent via regular mail. '' They have no tracking or proof that they actually sent it - nothing other than a database entry. I informed them that I did not receive it and the response was something like " well we sent it so that's all that matters. '' I told them that although I've never seen the debt I would pay it if they would delete it from the credit bureaus. I informed them of the hardship that they have caused me and that I am buying a house. I informed them that something as little as a {$400.00} bill could cost me hundreds of thousands of dollars in loan interest rate costs. There response was that they weren't going to do anything and I could pay it or not. 

Even if I pay this debt it will traumatically affect my credit score. It has reduced it almost XXXX points. This is not in any way consumer protection, and the fact that they would put it into collections without verified notice is wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: NJ

Complaint narrative:
I don't want these accounts in my report, they are directly affecting me and they are not mine. 

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 non-monetary relief
Consumer complaint received 2023-09-27 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: GA

Complaint narrative:
I don't want these accounts in my report, they are directly affecting me and they are not mine. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-27 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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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