vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 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: NY

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To Whom It May Concern : Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Sincerely, XXXX XXXX XXXX : -Copy of Government Issued ID -Copy of SSN Card -Copy of Paystub ( Proof of Address ) -Copy of FTC Identity Theft Report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sezzle Inc.
State: AL

Complaint narrative:
I am writing to dispute a fraudulent account that is being reported by Sezzle on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that Sezzle cease reporting this account and remove it from my credit report as soon as possible. 

I am currently taking steps to protect myself by completing the identity theft report and a police report. Please provide confirmation that this account will be removed from my credit report. 

This is for the accounts XXXX and XXXX Both are listed on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: FL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX PREVIOUS ADDRESS : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  , FL XXXX PREVIOUS ADDRESS : XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX CURRENT ADDRESS : XX/XX/XXXX EMPLOYER : XXXX EMPLOYER : XX/XX/XXXX EMPLOYER : XXXX EMPLOYER : 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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I set up automatic payment to the credit card and they send me a letter saying the bank rejected the payments and called my bank and they dont show any returns checks. I have my bank statements showing there is money never being late and they caused my credit report to go down. It is affecting my life as right now. I have also proof that I set up the automated payments and didnt know I was late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CarMax, Inc.
State: AL

Complaint narrative:
Hi XXXX XXXX, You have not brought your account, ending in XXXX, current as previously demanded and you remain in default under the Contract with us. Your past due amount is {$2100.00}, which includes any applicable late charges. 

As a result, your account has been referred to our Repossession Department. CarMax Auto Finance reserves the right to pursue the recovery of the Vehicle as allowed by the Contract and subject to applicable law.

We would also like to advise you of the following important information : We may report information about your account to the credit bureaus. Late payments, or other defaults on your account may be reflected in your credit report.

The acceptance by CarMax Auto Finance of all or a portion of this or any other past due balance does not waive CarMax Auto Finance 's ability to exercise any of its rights, including the right to repossess. You are required to make all payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
My HELOC payment is due on the XXXX  of every month. It should be calculated about 25 days before it is due. My XXXX payment is still showing {$0.00}. That can not be correct because I am carrying a balance of {$34000.00} so I should owe roughly {$350.00} each month depending on interest rate. This is shellpoints error that they will later try to hold me accountable for ( I.e. doubling my payment for the following month which will be a struggle for me to cover. I called Shellpoint and spoke to someone twice this week ( XX/XX/XXXX and XX/XX/XXXX ). I was given no information in the first call ( XX/XX/XXXX ) and she stated someone would call me back in 24 hrs. That did not happen. I called back a second time ( XX/XX/XXXX ) and still got no answers. I need my payment calculated so I can pay it before the due date of XXXX. This company has had my HELOC for 4-5 mos and theyve screwed up my payments every month except last month.

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 2024-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I am writing to dispute a fraudulent account that is being reported by XXXX XXXX XXXX for Comenity Bank on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that XXXX XXXX XXXX and Comenity Bank cease reporting this account and remove it from my credit report as soon as possible. 

There are multiple accounts for Comenity Bank/Victoria Secret and Comenity Bank NY & CO There are two accounts listed on my credit for XXXX XXXX XXXX XXXX and XXXX I am currently taking steps to protect myself by completing the identity theft report and a police report. Please provide confirmation that this account will be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: CA

Complaint narrative:
I am a victim of identity Theft. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, has violated my rights. 
The identity theft also resulted in multiple inquires that I did Not approve at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my EXQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: MOHELA
State: NY

Complaint narrative:
On XX/XX/year> my monthly student loan payment was taken out of my account via autopay in the amount of {$450.00} through the company MOHELA. On XX/XX/year> I was notified my account was past due despite having the money taken out on the exact due date. I called them on XX/XX/year> and sent them a statement of my bank account listing the money they took out. I was sent a statement from them saying they were researching the matter. I have called them on XX/XX/year> and XX/XX/year> being on hold for XXXX hour at a time and despite them saying theyre looking into the matter and can see I paid my bill it has not reflected in my account and I am getting emails from them saying my payment is past due. I called them yesterday ( XX/XX/year> ) and did not receive a call back despite requesting one from their automated service. This has been over a month now of me having to continually reach out to them with zero guidance on what is going on with this issue. I now have less than 60 days now before a payment I made is reported as past due to the Federal Credit Bureau which would negatively affect my credit score as they report anything 90 days past due them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am writing to dispute a fraudulent account that is being reported by I am writing to dispute a fraudulent account that is being reported by LVNV FUNDING LLC for XXXX XXXX XXXX  on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that LVNV FUNDING LLC for XXXX XXXX XXXX  cease reporting this account and remove it from my credit report as soon as possible. 

I am currently taking steps to protect myself by completing the identity theft report and a police report. Please provide confirmation that this account will be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Hello a company named Net Credit illegally and fraudulently attempted to process a loan with my name, birth-date, email address, social security number, and fake address on XX/XX/year>. The application information was clearly fraudulent because the street and address was not associated with the city and state the application cotained. The company attempted to complete a loan application without my signature or permission. The fact that the phone number, address, and city were not real should have been an immediate red flag and that it was fraudulent. Yet Net Credit continued to process the application and attempted to extort me. As soon as I became aware of the fraud ( On XX/XX/year> via an email ) I contacted the company Net Credit and verified my personal information with them. They refused to work with me and stop the application process that day. The customer service agent was very hostile and unhelpful. After a week of waiting I was finally able to speak with a supervisor and cancel the application. In the meantime Net Credit is refusing to remove the credit inquiry from my social security number. It is my opinion this company is fraudulently attempting to use my personal information and to get a fake loan in my name. Account number for reference Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Illegitimate Concealment of J.P. Morgan Chase Bank Account from Requestor, with Management by Bank Employees Posing as Authorized Representatives of XXXX XXXX XXXX, Utilizing Account Numbers XXXX - XXXX On XX/XX/XXXX, I received an email from J.P. Morgan Chase Payments ( Chase@e.chase.com ) with the subject line urging me to keep my inactive accounts open by utilizing them. This correspondence was sent to my email address ( XXXX ). Despite having established an account with J.P. Morgan Chase, I was subsequently denied access and informed that the account had been closed, raising significant concerns regarding the management and transparency of my banking relationship with the institution. 

I formally request comprehensive details pertaining to the merchant account numbered XXXX - XXXX, along with any other accounts that may have been established under my name at J.P. Morgan Chase Bank. Furthermore, I seek immediate access to these accounts. Since XXXX, I have persistently requested signature cards and statements for all accounts held at Chase Bank, both via telephone and email. Each time, I was informed that the bank did not possess any accounts or funds associated with me or my business, XXXX XXXX XXXX. This assertion is unequivocally false and necessitates a thorough investigation, especially in light of the marketing communications I have received that reference open accounts linked to my business. 

The bank 's refusal to provide essential documentation, including signature cards that would verify the initiation of the account, regular statements, and secure online access credentials, is in direct violation of FDIC guidelines. Currently, the bank is asserting its right to close the account without granting me the legal authority to access, manage, or review the transaction history. I demand all pertinent account details, including initiation contracts, signature cards for all accounts, and the last XXXXven years of banking statements for all accounts associated with myself and XXXX XXXX XXXX. As a XXXX XXXX I am recognized as a disregarded legal entity, which grants me the legal standing to request this information through the Consumer Financial Protection Bureau ( CFPB ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Within the last six months, I have received a number of letters from JP Morgan Chase and various collection bureaus claiming that I owe more than {$7000.00} in charges on a JP Morgan Chase credit card under the name of XXXX XXXX, asscociated with an addresses in XXXX, XXXX  which my wife and I left in XX/XX/XXXX. Because of my job as a contract employee with the XXXX  ( I was a XXXX XXXX from XXXX and have been contracting with XXXX  since XX/XX/XXXX ). My contracting company is XXXX, based in XXXX, XXXX  ). My work location with XXXX  was changed to XXXX, Alabama where we moved to in later XX/XX/XXXX. I work on the XXXX  XXXX  at the XXXX XXXX. According to the bank, this suspicious credit card was established in XX/XX/XXXX and the charges were made to the credit card, mostly at XXXX  and XXXX  XXXX, in small towns in rural XXXX  and XXXX, over a ten day period in XX/XX/XXXX. At the request of the bank, I filed a police report with the XXXX, XXXX, was interviewed, in person, by an officer, and had a lengthy follow up tel call the following day with a fraud investigator. Like me, they believe I am the victim of an identity theft/phishing expedition. I also had my company provide certified time cards to the bank with definitively establish I was working in XXXX in XXXX. XXXX when the charges were made. I also sent bank establishing where I have been living, in XXXX  and XXXX, since XX/XX/XXXX. Finally, because I have a rather generic and common name ( XXXX XXXX XXXX, I always use my middle initiaXXXX XXXX or XXXX when establishing a credit or debit card. The card in question curiously used XXXX XXXX, something I have never done in over 40 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: TX

Complaint narrative:
My loans were forgiven because I was defrauded by a XXXX  school my loans were forgiven by borrower 's defense back last year XX/XX/year> my loan officer originally was XXXX XXXX  loans it was all One loan it was never separate when it got sold to XXXX that company needs to be shut down completely they separated the loans and it shouldn't have been they separated it into disbursement increments which was like 17 different amounts which completely ruined my credit then they sold my loan to Ed financial and financial never removed XXXX from my credit report so now it looks like I owe over {$30000.00} and I don't my loans have completely been forgiven and these are duplicates I have called both companies to no avail more than 40 times at this point I'm on the verge of a complete XXXX  XXXX  breakdown because this is ruining my life it is stopping me from doing anything and I do mean anything jobs everything these companies are doing this on purpose they know even experience reached out to XXXX and Ed financial and got to run around completely they know that my loans have been forgiven because borrowers defense have called over to them and emailed them more than 37 times this year trying to help me because they know how badly this is affecting my life and my mental health these companies both should be shut down they are committing fraud and they are breaking every Fair crediting act that exists both companies XXXX and Ed financial I do not owe any loans

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: SC

Complaint narrative:
im getting a debt collector that says that i owe. DEBT FOR THIS ACCOUNT NUMBER WAS ending in XXXX BUT XXXX  SAYS MY ACCOUNT NUMBER IS THIS XXXX THESE ARE NOT EVEN CLOSE TO BE THE SAME.i have closed the previous account and paid all the bills and returned the equipment.

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 2024-10-19 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief