vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-12 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:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CBC Companies, Inc.
State: DE

Complaint narrative:
XXXX HAS NEGLECTED NUMEROUS OF TIMES TO REMOVE NUMEROUS OF INQUIRES THAT DO NOT BELONG TO ME. I HAVE CALLED NUMEROUS OF TIMES AND WHEN I FINALLY MADE IT THROUGH TO SPEAK WITH SOMEONE I WAS HUNG UP ON. I AM WELL AWARE THAT IT IS XXXX JOB IS TO REPORT 100 % ACCURATE INFORMATION WHICH THEY ARE NOT. I AM ALSO WARE THAT MY RIGHTS UNDER THE XXXX ARE BEING VIOLATED WITH THESE INQUIRES. I HAVE FILED A FTC REPORT AND NEXT I WLL SEEK REMEDY THROUGH COURT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: DE

Complaint narrative:
XXXX HAS NEGLECTED NUMEROUS OF TIMES TO REMOVE NUMEROUS OF INQUIRES THAT DO NOT BELONG TO ME. I HAVE CALLED NUMEROUS OF TIMES AND WHEN I FINALLY MADE IT THROUGH TO SPEAK WITH SOMEONE I WAS HUNG UP ON. I AM WELL AWARE THAT IT IS XXXX JOB IS TO REPORT 100 % ACCURATE INFORMATION WHICH THEY ARE NOT. I AM ALSO WARE THAT MY RIGHTS UNDER THE FCR ARE BEING VIOLATED WITH THESE INQUIRES. I HAVE FILED A FTC REPORT AND NEXT I WLL SEEK REMEDY THROUGH COURT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. 

I recently disputed this incorrect late payment with the credit reporting bureaus, and the information was reported as unverified and inaccurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Late payment???

If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the incorrect late payment.

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: Financial Assistance Inc
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX {$610.00} Opened ( XXXX ) Actions that were implemented were me informing the agencies that Under the doctrine if XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX MO ) XXXX XXXX XXXX. I may presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist. 
15 USSC 1681c-b never giving written consent to furnish or obtain my information. Taxes are written off for unpaid debt while debt is being sold to collection agencies that illegally obtain recovered money for their own selfish, self-fulfilling beneficial gain. You are illegally recovering money from me that has been already been recovered through tax write off. Technically, I dont owe the credit agencies because I never borrowed anything from you. Information is being illegally collected for third party collection agencies to obtain social security numbers and birthdays for self-use of incriminating people to fall under the impression that you were are the initial loaners and that debt needs to be paid back to the initial loaning agency for relief. I do not owe the collection agency because once again 15 USSC 1681-6-C, B is never giving written consent to furnish or obtain my information because that is relating to identity theft. In accordance with the Fair Credit Reporting act. The List of account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX XXXX XXXX has violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
EXPERIAN HAS NEGLECTED NUMEROUS OF TIMES TO REMOVE NUMEROUS OF INQUIRES THAT DO NOT BELONG TO ME. I HAVE CALLED NUMEROUS OF TIMES AND WHEN I FINALLY MADE IT THROUGH TO SPEAK WITH SOMEONE I WAS HUNG UP ON. I AM WELL AWARE THAT IT IS EXPERIAN JOB IS TO REPORT 100 % ACCURATE INFORMATION WHICH THEY ARE NOT. I AM ALSO WARE THAT MY RIGHTS UNDER THE FCR ARE BEING VIOLATED WITH THESE INQUIRES. I HAVE FILED A FTC REPORT AND NEXT I WLL SEEK REMEDY THROUGH COURT.

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 2024-05-12 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: CL Holdings LLC
State: NV

Complaint narrative:
XXXX Jefferson Capital System- {$610.00} Opened ( XXXX ) Actions that were implemented were me informing the agencies that Under the doctrine if XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO ) XXXX XXXX XXXX. I XXXX presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist. 
15 USSC 1681c-b never giving written consent to furnish or obtain my information. Taxes are written off for unpaid debt while debt is being sold to collection agencies that illegally obtain recovered money for their own selfish, self-fulfilling beneficial gain. You are illegally recovering money from me that has been already been recovered through tax write off. Technically, I dont owe the credit agencies because I never borrowed anything from you. Information is being illegally collected for third party collection agencies to obtain social security numbers and birthdays for self-use of incriminating people to fall under the impression that you were are the initial loaners and that debt needs to be paid back to the initial loaning agency for relief. I do not owe the collection agency because once again 15 USSC 1681-6-C, B is never giving written consent to furnish or obtain my information because that is relating to identity theft. In accordance with the Fair Credit Reporting act. The List of account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX Jefferson Capital System , has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: AR

Complaint narrative:
I hereby formally declare that I have been a victim of identity theft, resulting in the unauthorized opening of an account at your financial institution, XXXX XXXX XXXX. My name is XXXX XXXX, and I reside at the address provided above. 

Recently, I became aware of the existence of an account opened in my name at your bank, of which I had no knowledge or authorization. According to the information provided by you, a total of {$840.00} dollars has been charged to this account, of which I have not made any transactions nor have I given my consent for such activity. 

I want to emphasize that at no time have I provided my personal information nor have I made any requests to open an account at XXXX XXXX XXXX. Therefore, I request your immediate cooperation to investigate this matter and take the necessary steps to close the account and reverse the unauthorized charges. 

Attached to this letter, you will find copies of any relevant documentation supporting my statement, including my official identification and any other information that may assist in the investigation of this incident.

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 2024-05-12 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: AR

Complaint narrative:
I hereby formally declare that I have been a victim of identity theft, resulting in the unauthorized opening of an account at your financial institution, XXXX XXXX XXXX. My name is XXXX XXXX, and I reside at the address provided above. 

Recently, I became aware of the existence of an account opened in my name at your bank, of which I had no knowledge or authorization. According to the information provided by you, a total of {$840.00} dollars has been charged to this account, of which I have not made any transactions nor have I given my consent for such activity. 

I want to emphasize that at no time have I provided my personal information nor have I made any requests to open an account at XXXX XXXX XXXX. Therefore, I request your immediate cooperation to investigate this matter and take the necessary steps to close the account and reverse the unauthorized charges.

Attached to this letter, you will find copies of any relevant documentation supporting my statement, including my official identification and any other information that may assist in the investigation of this incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I hereby formally declare that I have been a victim of identity theft, resulting in the unauthorized opening of an account at your financial institution, XXXX XXXX XXXX. My name is XXXX XXXX, and I reside at the address provided above. 

Recently, I became aware of the existence of an account opened in my name at your bank, of which I had no knowledge or authorization. According to the information provided by you, a total of {$840.00} dollars has been charged to this account, of which I have not made any transactions nor have I given my consent for such activity. 

I want to emphasize that at no time have I provided my personal information nor have I made any requests to open an account at XXXX XXXX XXXX. Therefore, I request your immediate cooperation to investigate this matter and take the necessary steps to close the account and reverse the unauthorized charges. 

Attached to this letter, you will find copies of any relevant documentation supporting my statement, including my official identification and any other information that may assist in the investigation of this incident.

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 2024-05-12 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: SC

Complaint narrative:
I recently reviewed my credit report and notice I have fraudulent accounts on my report.Please remove these accounts off my report they are hurting my ability to obtain Credit

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 2024-05-12 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: SC

Complaint narrative:
I recently reviewed my credit report and notice I have fraudulent accounts on my report.Please remove these accounts off my report they are hurting my ability to obtain Credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
This is not the first time this has happened. Even if I am 1-2 days late on a payment, this company called me back to back more than 8-9 times a day. If I do not answer, they call me under Unknown Caller. This harassment needs to stop NOW or I will take legal action. After doing my research on Comenity bank, it seems that they have quite the reputation for harassing their customers on a day to day basis. As of yesterday and this morning ( it is now Sunday, XX/XX/XXXX, XXXX ) I have received a total of 8 calls from them which is ILLEGAL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
AMERICAN EXPRESS knowingly and intentionally acted without lawful authority when it furnished the consumers private account information to Consumer Reporting Agencies and is therefore guilty of Identity Theft as defined by 15 USC 1681a ( q ) ( 3 ) & New York State Code 190.79 Identity theft in the second degree. AMERICAN EXPRESS is in unlawful possession of the consumers private financial information and has used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization. The original creditor, AMERICAN EXPRESS, failed to provide me with the necessary disclosures required under GLBA and 15 U.S. Code 6802, These disclosures are vital in ensuring the protection of consumers personal information and preventing identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: PA

Complaint narrative:
The XXXX XXXX XXXXXXXX claims I owe them {$6100.00}. The promissory note states that it will tack on a {$100.00} fee then later a {$200.00} fee. The university tacked on those fees and reported the total amount of {$6400.00} to Conserve Collections. Conserve Collections did not communicate with me in any manner, no phone calls, no mail, no email, no debt validation letter, etc. notifying me they now have this debt. I have recently gotten a notification from a credit reporting agency stating that I owe Conserve Collections {$8100.00}. Not only have they reported the wrong amount to credit reporting agencies, but by not notifying me they have the debt, they took away my right to dispute the debt and/or pay it off to prevent reporting to the credit bureau XXXX Because they communicated with third parties, and the third parties are credit reporting agencies, my credit has been damaged by the reporting. Because of them reporting a debt to a credit agency they have yet to prove I owe, my credit has been ruined and I could not get approved for a private student loan in order to continue my education at XXXX XXXX XXXX This has held back my education and career by one year, making me miss out on one year 's worth of a pharmacist salary and will cause me to take on one additional year of education expenses from XXXX. Because I was not able to get approved for a loan due to Conserve Collections ' unlawful reporting to the credit bureau, I now owe XXXX of dollars to XXXX XXXX XXXX The acts of Conserve Collections violated the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and the Fair Credit Extension Uniformity Act. 

Conserve Collections also has a document attached to their website called XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  This method is a clear violation of Fair Debt Collection Practice Act and Fair Credit Extension Uniformity Act. It encourages universities to arbitrarily tack on a large and generalized percentage known as a " collection cost % '' to increase the amount a student owes just so Conserve Collections ' agency compensation percentage can amount to a larger sum of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XX/XX/XXXX - Purchased made at Apple Store with the Goldman Sachs/Apple Master Card . Promotion was for 12 equal installments interest free totaling {$780.00}. I was paying on time and as agreed for this and ALL purchases on this card when I noticed my XX/XX/XXXX statement had terminated this installment plan and made the remaining {$320.00} due immediately or be subject to the normal Apple Mastercard interest rates. The XX/XX/XXXX statement gave no reason or explanation. After trying to explain this on the customer service line, I finally was able to get to a supervisor who began an inquiry. This took about XXXX hour of my time on the phone. That supervisor said please give them until XX/XX/XXXX to investigate. It is now XX/XX/XXXX and no corrective action has been taken or contact made to me. The current status on my account today remains " to avoid interest charges, an additional {$320.00} is due by XX/XX/XXXX ''. I will today be paying the balance to avoid interest charges because Goldman Sachs has failed to meet the obligations set forth in my XX/XX/XXXX purchase installment agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
UPON ME LOOKING AT MY CREDIT REPORT ON XX/XX/2024 I DISCOVERED WRONG ADDRESS AND ACCOUNTS

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 2024-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
In XXXX of XXXX, I received documents from Toyota Financial dated XX/XX/XXXX. The documents included XXXX " sign-off letters '' as well as the Title to the vehicle. 

To my surprise, on XXXX Monday XXXX ( XX/XX/XXXX ), my daughter with whom I'd co-signed the car loan called to tell me that Toyota had repossessed her car. I don't understand this as she'd made the final payment in XXXX, leaving Toyota over a month to either accept or reject the payment. To this day, neither of us has received any documentation stating Toyota wasn't able to collect the funds. 

Without any warning, Toyota contracted with a tow company from XXXX, NJ to repossess the vehicle. As my daughter has a young child, she really needed the vehicle to be able to work and transport her son to daycare. 

Naturally, this has ruined my credit as well as my daughter 's. Please investigate. I have color copies of all my supporting documents available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
On XXXX I purchased merchandise from someone through cashapp for {$250.00}. Through further inspection, the merchandise came not as it was advertised ( the product was tampered with ). On XX/XX/12 I requested a dispute from cashapp and was denied. I've also requested a refund from the person directly with no response. The person has also removed their listing for the product right after I've reached out to them explaining that the merchandise was already tampered with and that I'd like a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: NJ

Complaint narrative:
UPON ME LOOKING AT MY CREDIT REPORT ON XX/XX/year> I DISCOVERED WRONG ADDRESS AND ACCOUNTS

Company response to consumer: Closed with non-monetary relief