vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
discover states account was charged off for {$4200.00} on XX/XX/XXXX disreguarding a lup sum payment of {$4000.00} made XX/XX/XXXX, data reporter refuses to list the payment in credit report after more than XXXX disputes filed thru Experian reporting service. copy of receipt for the {$4000.00} payment was downloaded with dispute, yet file has not been corrected as of XX/XX/XXXX results of dispute have not changed since first fileing dispute XX/XX/XXXX, Data reporter still states {$4200.00} write of knowing that is incorrect write of amount as of XX/XX/XXXX is {$190.00} that will be paid once credit for the {$4000.00} payment is listed and dispute is corrected or file removed for being incorrect

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 2024-01-28 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account has written /Charged off and on credit Reports it is showing Late Payments/Missed Payments on Credit Report..it is unlawful to write off and still 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 explanation
Consumer complaint received 2024-01-28 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: Westlake Services, LLC
State: MO

Complaint narrative:
XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared according to 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Western Funding Inc is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Western Funding Inc, the financial institution, and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Western Funding Inc whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Western Funding never informed me of my right to exercise my nondisclosure option. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of said reporting services.

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 2024-01-28 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: CL Holdings LLC
State: NV

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report, as governed by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. After recently reviewing my credit report, I have identified a misleading entry and incorrect information that requires immediate attention and correction. 

The disputed information is related to the following entry : Creditor : Jefferson Capital Systems Account Number ending in XXXX Amount {$2200.00} I assert that this information is not only incorrect but also violates the Fair Debt Collection Practices Act ( " FDCPA '' ). I have never had an account with Jefferson Capital Systems, and there has been no history of delinquency on my part with this company. I have not entered into a contract with Jefferson Capital Systems nor gave it permission to report any information onto my credit report. This inaccurate entry is not only damaging my XXXX XXXX but also constitutes a violation of my rights under the FDCPA. 

Unless a member of Jefferson Capital Systems will attest under oath and under the penalty of perjury that I have a contract with Jefferson Capital Systems, I demand Jefferson Capital Systems delete the account and remove it from my credit report with all three credit agencies. Jefferson Capital Systems is in violation of 15 U.S.C. 1692e ( 8 ) by reporting inaccurate information and 15 U.S.C. 1692g in regards to verification requirements which I will seek monetary damages if the inaccurate report is not deleted from my credit report. 


I demand Jefferson Capital Systems deletes its entries made to my credit report in accordance with 15 U.S.C. 1692g. It is important to emphasize that the Fair Debt Collection Practices Act provides consumers with specific rights and protections, and I am prepared to take any necessary legal action to ensure the accuracy of my credit report and the preservation of my rights under the law.

I sent ( 2 ) letters to XXXX  requesting the same which it never responded. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent several attempts to reinvestigate and verify disputed items that magically came back verified with no proof of due diligence and process of verification Ive attached proof of communication below

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 2024-01-28 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:
TO WHOM THIS MAY CONCERN, THESE ACCOUNTS ARE NEGATIVELY REPORTING ON MY CREDIT AND THEY ARE NEGATIVELY AFFECTING ME. I WOULD LOVE FOR THEM TO BE REMOVED AS SOON AS POSSIBLE. PLEASE AND THANK YOU!

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 2024-01-28 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: GA

Complaint narrative:
TO WHOM THIS MAY CONCERN, THESE ACCOUNTS ARE NEGATIVELY REPORTING ON MY CREDIT AND THEY ARE NEGATIVELY AFFECTING ME. I WOULD LOVE FOR THEM TO BE REMOVED AS SOON AS POSSIBLE. PLEASE AND THANK YOU!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 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: FL

Complaint narrative:
The Fraudulent items listed below still appear on my credit report, even after your investigation. I would like these specific late items immediately re-investigated and corrected/removed. These inaccuracies due to identity theft are highly injurious to my consumer credit report. There is information on my consumer credit report that are a result of identity theft. I did not give authorized written permission or instructions for the identified purchases to be reported on to my consumer report. I am requesting that the publishing of this informational data be investigated and corrected/removed. The Identified transactions are not related to any grand action or transaction by me as the consumer. 

MONTHS OF ACCOUNTS/ACCOUNT NUMBER INACCURATE LATE PAYMENTS DATE OPENED 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 FORMER ADDRESS TO BE DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506 , Title VI , Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
I'm requesting this collection be removed effective immediately, Me, XXXX XXXX XXXX, the account holder, does not know and has not had any Business dealings whatsoever with any mentioned company ARRIVE, OR XXXX WHATEVER THE CORRECT ENTITY NAME IS. AFTER RESEARCH, IT SEEMS THE ORIGINAL CREDITOR IS ESTABLISHED IN A DIFFERENT STATE I HAVE NEVER BEEN IN OR LIVED IN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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.

Complaint narrative:
Ive reviewed my credit report and noticed the following inaccurate items. The information reporting on my credit profile is not my account and I would like you to validate that it belongs to me per the accounts below, as they are not mine. 

XXXX XXXX Account XXXX Account Opened : XX/XX/2023 Account Balance : {$440.00} XXXX XXXX Account XXXX Account Opened : XX/XX/2023 Account Balance : {$2400.00} XXXX XXXX XXXX Account XXXX Account Opened : XX/XX/2023 Account balance : {$720.00}

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 2024-01-28 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: EQUIFAX, INC.
State: MI

Complaint narrative:
After reviewing my credit report I must inform you that I am NOT responsible nor did I consent for the inquiries listed below as I have been a victim of identity theft. PLEASE BLOCK ALL THE INQUIRIES LISTED ON THIS POLICE REPORT BECAUSE THEY ARE NOT MINE. I'VE BEEN A VICTIM OF REAL NAME ID FRAUD AND IDENTITY THEFT. THE FOLLOWING INQUIRIES ARE NOT MINE, THEY ARE FRAUDULENT AND THE VENDORS REPORTING THEM MOST SHOW THAT THEY HAD THE LEGAL AUTHORITY TO ACCESS MY CREDIT REPORT OR THE INQUIRY MUST BE REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 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:
Ive attached proof below of items that must be removed or thoroughly investigated in verifying

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 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: CA

Complaint narrative:
On XX/XX/year>, I received XXXX Spam Emails. my email is XXXX  emails came to my main email. Most were random phishing emails that stated I signed up for something. XXXX emails came from American Express and stated that I was approved for an American Express Lowes Credit card. I called American express and reported the fraud to them. They are cancelling the card and looking into the matter. Someone had my information and opened up the account using an old mailing address from XXXX XXXX ago. I have since frozen my credit with the XXXX main credit Bureaus. No other credit was applied for but they did show the American Express card that was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared according to 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution, and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of said reporting services.

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 2024-01-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fraudulent items listed below still appear on my credit report, even after your investigation. I would like these specific late items immediately re-investigated and corrected/removed. These inaccuracies due to identity theft are highly injurious to my consumer credit report. There is information on my consumer credit report that are a result of identity theft. I did not give authorized written permission or instructions for the identified purchases to be reported on to my consumer report. I am requesting that the publishing of this informational data be investigated and corrected/removed. The Identified transactions are not related to any grand action or transaction by me as the consumer. 

MONTHS OF ACCOUNTS/ACCOUNT NUMBER INACCURATE LATE PAYMENTS DATE OPENED 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 FORMER ADDRESS TO BE DELETED : XXXX XXXX XXXX XXXX XXXX, FL XXXX Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506 , Title VI , Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation.

Please provide : 1.As you are aware, the Fair Credit Reporting Act ( FCRA ), 15 USC 1666b , requires that credit reporting agencies to follow reasonable procedures. To ensure that the information in a consumer credit report is accurate. It also gives consumers the right to dispute inaccurate information and requires credit reporting agencies to investigate and correct or remove inaccurate information.

Also, the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 subsection C-2 Blocking of information resulting from identity theft.

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 2024-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EdFinancial Services
State: CA

Complaint narrative:
Monday, XX/XX/XXXX Name : XXXX XXXX XXXX ( Automatic//Full Discharge Group : XXXX XXXX XXXX  ) Borrower Defense Application # : XXXX Borrower Defense Application School : XXXX University The XXXX XXXX Officially Imploring The Intercessory Assistance Of The US Department of Education to fulfill the law and its own policies : pertaining to the Sweet v. Cardona as illustrated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Special Emphasis On : All federal loan servicers have until XX/XX/XXXX, to effectuate settlement relief for Class Members in the automatic relief group. Now past XX/XX/XXXX deadline, ED Financial Services is unable/unwilling to adhere to the Honorable Senior District Judge XXXX XXXX XXXX XXXX ( In XXXX XXXX XXXX XXXX XXXX and the Department Of XXXX XXXX XXXX XXXX XXXX In Default/Disservice ) XXXX 
XXXX. Though XXXX XXXX XXXX did receive the discharge of all Relevant Federal Student Loans ( completed XX/XX/XXXX, Student Aid Portal ), ED Financial Services has not completed the credit reporting repair to all credit agencies, as pertaining to the XXXX XXXX XXXXXXXX. 
XXXX. Though XXXX XXXX XXXX did receive from the US Department Of Treasury a refund check ( XX/XX/XXXX, US Mail ) for {$5400.00}, ED Financial Services provided an incorrect amount to the US Department Of Education ; Ed Financial Services never contacted XXXX XXXX XXXX prior to verify the accuracy of the refund ; Ed Financial Services also changed XXXX XXXX XXXX account number without notification from XXXX to XXXX. XXXX XXXX XXXX provides the collected amounts paid, related to XXXX University, totaling {$8800.00}. Still owed refund check to XXXX XXXX XXXX -- {$3300.00}. [ Copies provided in trust and good faith ] Again, all loan servers, not in compliance and engaging in lawlessness with the misuse of guile/subterfuge, delay/stall tactics, and sending only generalized information, need to be closed for good -- they have lost all trust and good faith. Also illustrated, Ed Financial Services demonstrated further below minimal banking standards : received a CFPB fine for deceptive practices XXXX XXXX XXXX XXXX XXXX  ), and received a US Department Of Education fine for XXXX XXXX ( XXXX XXXX XXXXXXXX ). Please, take further action now. 

Sincerely, XXXX XXXX XXXX A Constituent Of House XXXX XXXX XXXX : California 's XXXX Congressional District Previous Contacts XXXX XXXX FTC XXXX FDOE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
I went to use XXXX XXXX  on XX/XX/XXXX to send my boyfriend {$630.00} dollars for my car payment. XXXX XXXX  said it didn't work, so I tried again, XXXX dollars to XXXX XXXX XXXX, and it once again said it didn't work. Chime sent the amount twice. My boyfriend never received the money. I contacted XXXX and they looked into the issue and said they declined the payment. I then contacted Chime to dispute the problem on XX/XX/XXXX and they said the money sent with no problem, which isn't true, my boyfriend never received it. Today is XX/XX/XXXX and Chime is still holding my money, a total of {$1200.00} because they took XXXX out twice and are saying it might take till XX/XX/XXXX to fix the problem. It's unacceptable that they won't give me money back that was never sent anywhere to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: CA

Complaint narrative:
I do not recognize these credit inquiries, and I've asked them to be removed, but the bureaus did not do anything. Please remove the credit inquiries because they are inaccurate and not mine. Thank you. These were not authorized. XXXX XXXX XXXX - Dated : XXXX XXXX XXXX  - Dated : XXXX XXXX - Dated : XX/XX/XXXXXXXX XXXX XXXX XXXX via XXXX XXXX - Dated : XX/XX/XXXX XXXX XXXX XXXX via XXXX Dated XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX Dated : XX/XX/XXXXXXXX XXXX CREDIT BUREAU XXXX XXXX Dated : XX/XX/XXXX, 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 non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On the XXXX of XXXX I made an online payment to my citibank Home Depot credit card. According to there website payments made by XXXX  will be posted on that day. Unfortunately I was charged prematurely on the XXXX of XXXX a late fee of {$26.00} because the payment was still processing.

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