vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
I received an alert from credit karma/ about a new collection. viewed and seen that it was from XXXX. I attempted to reach out to them on XX/XX/XXXX to verify what they reported to the collection agency. They could not verify anything because It was already out of their system. I was given a phone # to XXXX XXXX XXXX, I called them at XXXX I was told that my account ( which was put in collection just a few days ago ) was now with an attorney office and XXXX. Spoke with XXXX from this company asking why and what was being reported because I no longer owed XXXX and completed my contract with them. They told me I should have worked it out with XXXX before it came to them and now my options were to pay or settle. I advised I would not settle or pay a debt that I do not own. 

My complaint is how do these big companies get to come up with some random payment or bill that a consumer owe and its allowed to be put on my credit report. I had XXXX tablets on an 18 month contract that I paid from XXXX of XXXX XXXX of XXXX which is when I left XXXX the XXXX contract was up and the guy from the collection agency went through and had my dates but said that what they reported and that is what they are going to collect. ( with no regard to it being accurate or not ) How is this legal. and my credit report is affect in the end. I want this account off my credit report and I want them penalized for erroneously reporting this on my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I became aware of an account with a negative effect on my credit report. I initiated a dispute with a statement. Experian refutes my dispute without an explanation from the creditor. This is a totally unfair practice. 
I co-signed a rental lease for my daughter. Per the lease agreement, my name should have been removed after the first year of lease. There were no late payments or additional fees until XXXX when the entire country was greatly affected. Since she was alone in XXXX XXXX, she vacated the premises to move back home with the family in XXXX, after approval from the leasing office because of " a natural disaster ''. She labored to clean the apartment and left it without debris. There was no further communication from the Leasing office. I was not aware of any issue until I checked my credit report recently. 
I started a dispute that goes nowhere.

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 2024-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XX/XX/XXXX & XXXX XXXX had XXXX dierent nard inquiries show up on my transunion and XXXX report. 
They are as follows : XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: American Credit Acceptance, LLC
State: OK

Complaint narrative:
On XX/XX/XXXX & XXXX XXXX had XXXX dierent nard inquiries show up on my transunion and XXXX report. 
They are as follows : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Dispute of Invalid Hard Inquiry on Credit Report Dear CFPB, I am writing to formally dispute an invalid hard inquiry that was placed on my credit report by XXXX XXXX  XXXX XXXX American Express Company ). Here is a summary of what happened : I applied for a business credit card using information that was mailed to me by XXXX XXXX  XXXX XXXX American Express Company ). Despite following their application process accurately, my application was denied. Subsequently, a hard inquiry was placed on my credit report by XXXX XXXX  XXXX XXXX American Express Company ). 

I contacted XXXX Bank financial ( American Express Company ) to request the removal of this hard inquiry, as the account was never approved and is therefore invalid. Despite my efforts, XXXX XXXX  XXXX XXXX American Express Company ) refused to remove the hard inquiry from my credit report. This unjustified hard inquiry is negatively impacting my XXXX XXXX and hindering my ability to apply for credit with other companies. 

I believe this hard inquiry should be removed, as the account was never valid. I respectfully request your assistance in resolving this issue by having XXXX XXXX  XXXX XXXX American Express Company ) remove the hard inquiry from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-06-28 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: TX

Complaint narrative:
As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXXXXXX XXXX - Account XXXX List of Inquiries : 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 2024-06-28 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: TX

Complaint narrative:
As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXXXXXX XXXX  - Account XXXX List of Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
My name is XXXX and XXXX XXXX I filled a complaint with the CFPD on XXXX for unauthorized XXXX payments form my Business and Person Checking account to XXXX XXXX XXXX XXXX XXXX Complaint # XXXX and since my last time XXXX XXXXXXXX XXXX XXXX BANK have XXXX XXXX more ach unauthorized payment form my personal account. XXXX for XXXX and XXXX for XXXX I have since put a permanent STOP PAYMENT FOR XXXX XXXX XXXX XXXX payment due do Fraud caused by XXXX XXXX XXXX XXXX Bank. I have Closed my XXXX XXXX card .I have sent several request for information as to how XXXX XXXX XXXX  XXXX Bank are going to restore all the security damage they have caused. I am still in limbo as they just keep telling me the issue is under investigation. At this point the criminals have become more bold with the theft they have caused myself and XXXX XXXX XXXX XXXX XXXX XXXX be willing to allow this to happen But ..But.. I am in fear for my personal and financial safety due the the indifference to XXXX XXXX XXXX XXXX Bank. The total amount of attempted theft to my bank account stands at {$23XXXX} I hope someone can help me fix this issue.

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 monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NM

Complaint narrative:
I was notified by my insurance company that my policy was canceled on XX/XX/year>. We quoted a new policy and went through with it, upon further following up with our lender NEWREZ to get them to pay the amount from escrow they were told our account was a non escrow payment for insurance. I proceeded to call them on XX/XX/year> asking for payment, and told me the same thing submitted escrow analysis to make sure that i wasnt supposed to be an escrowed account. Told me it would take 3-5 days to hear something back, received a call today from insurance agent saying nothing has changed yet. So Im forced to pay 2 months up front to avoid another lapse in coverage due to my lenders careless actions. 

The lender has also placed hazard insurance on my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: IL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, Even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI Section 611, Please provide the names and business addresses of each individual with whom you verified the above accounts so that i may follow up.

Please send me an updated copy of my credit report after your reinvestigation.

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 2024-06-28 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:
I'm in disagreement with the account listed below which still appears on my credit report, Even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI Section 611, Please provide the names and business addresses of each individual with whom you verified the above accounts so that i may follow up.

Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to file a formal complaint against Chase Bank regarding their actions concerning my Social Security benefits. On XX/XX/year>, a direct deposit of {$XXXX} from my Social Security XXXX benefits was allegedly rejected by Chase Bank and purportedly sent back to the Social Security XXXX XXXX Treasury Department. However, after nearly XXXX months, the XXXX has confirmed that they have not received the funds back from XXXX. 

Today, upon contacting Chase Bank 's XXXX department, I was informed that they had garnished my Social Security check to pay off a debt owed to XXXX. I want to emphasize that I do not acknowledge nor believe that I owe any such debt to Chase. Furthermore, it is my understanding that under federal law, Social Security benefits, including Social Security XXXX payments, are protected from garnishment by most creditors, except in very specific circumstances. 

This situation has caused me significant financial hardship and emotional distress, as I rely on these benefits for my basic living expenses. I am deeply concerned about XXXX 's handling of this matter and their apparent disregard for federal regulations protecting Social Security recipients. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Chase Bank complies with federal laws regarding the protection of Social Security benefits. Additionally, I seek assistance in resolving this issue promptly so that I XXXX receive the Social Security benefits rightfully owed to me without further interruption. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in resolving this troubling situation.

Company response to consumer: Closed with explanation