vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 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: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
In reviewing my XXXX credit report, I noticed that Midland Credit Management has made unauthorized inquiries on my credit report on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have no account with Midland Credit Management and I have not given Midland Credit Management consent to access my credit report. I have also not given XXXX permission to allow Midland Credit Management to access my credit report. I contacted XXXX on XX/XX/XXXX to determine what permissible purpose Midland Credit had to access my credit report and was advised by a XXXX representative that Midland Credit may have accessed my credit report to obtain my persona information, such as my updated address, phone number and employer. This unauthorized action has caused me distress, raised concerns about my financial privacy, and potentially impacted my credit score. This makes me feel unsafe and I would like Midland Credit Management 's unethical practices investigated as this violates my rights, as outlined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681b, as there is no permissible purpose for this company to access my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: NC

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously submitted an official complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries appearing on my credit report. The complaint was filed on XXXX XXXX, under FTC Reference Number XXXX. 
Complaint Description : My credit report reflects unauthorized inquiries that were made without my explicit consent. I have contacted the creditors responsible for these inquiries, and they have confirmed they possess no evidenceneither written nor verbalthat I authorized or initiated these inquiries. This clear lack of valid authorization constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
I have formally demanded the immediate removal of these inquiries, as they are baseless and negatively impact my credit profile. However, the credit bureau in question has failed to provide a satisfactory resolution or appropriate action. This failure to address unauthorized inquiries prompted me to escalate the matter by filing a formal complaint with the FTC. I urge the immediate removal of these illegitimate inquiries to ensure compliance with federal regulations and to restore the integrity of my credit report. 

Details of Disputed Inquiries : 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 XXXXXX/XX/XXXX I have attached a copy of the formal complaint submitted to the Federal Trade Commission ( FTC ) to further support this claim. This document highlights the absence of my authorization for these inquiries and underscores the insufficient response provided by the credit bureau, reinforcing my request for the immediate removal of these unauthorized inquiries from my credit report. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely 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 2024-12-22 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: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
I was dealing with Lexington. Law for about XXXX and they take the money out of my account and my credit report never been fix and when i drop them they still was talking money out i will like see them get what comes to them they mess My credit report up for about XXXX or more fraud and stealing money I'm joining in the law suit again Lexington law My name is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I requested my service be canceled on on XX/XX/XXXX and I have emails from XXXX XXXX saying they received my cancellation. They sent me a email 10 days later saying they increased my internet speed and essentially ignored my request to cancel despite sending me an email saying they received the request. They continued to charge me on XX/XX/XXXX for the upcoming cycle from XXXX and I complained to them multiple times. They charged me for the upcoming month starting XX/XX/XXXX when I cancelled my service XXXX weeks before. I complained to my card company chase who refunded it. 

In addition, I complained to XXXX  about how I am due a partial credit since they charged me for a full month on XX/XX/XXXX but I only had XXXX weeks of service. 

Customer service kept saying they submitted the credit and I should see a refund but I never did. 

This is wrongful debt. I started internet service with them late XX/XX/XXXX and they charged me for each upcoming month since even after they received my cancellation request XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: IN

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
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 XXXXXX/XX/XXXX - The following inquiries were not authorized and should not be reporting.

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. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX JPMorgan Chase & Co . 

This complaint addresses the improper handling of account receivables by JPMorgan Chase XXXX XXXX ( JPMC ), including its subsidiaries Chase Bank USA, NA ( the Servicer ) and Chase XXXX XXXX ( the Issuer ), with XXXX XXXX XXXX  as Trustee. Specifically, XXXX has failed to address the following issues : Non-Compliance with Fiduciary Duties : Chase Bank USA, NA, as a Servicer under JPMCs operational structure, failed to adhere to fiduciary obligations as outlined in its regulatory filings. Their actions include pooling and securitizing receivables for profit without providing reasonable compensation to the account holder. 

Securitization and Lack of Disclosure : Forensic audit findings confirm that the complainants account was securitized under XXXX XXXX : XXXX and subsequently traded domestically and internationally under XXXX : XXXX. The securitization has generated over {$1.00} XXXX in profits, yet JPMC has failed to disclose these activities or provide compensation for the receivables value. 

Failure to Process Receivables : Submitted International Bills of Exchange were not processed as directed, constituting a further breach of fiduciary duties.

Tax Discrepancies : Audit findings suggest potential violations of tax laws, including failure to file requisite SEC and IRS documentation for revenues derived from trading pooled receivables.

Breach of Consumer Rights : JPMC failed to provide GAAP-compliant accounting, transparency in account securitization, and disclosures required under the Truth in Lending Act ( TILA ), further mismanaging the account. 

Timeline of Events XXXX : The complainants account was securitized under XXXX XXXX : XXXX, pooled for asset-backed collateral, and traded on primary and secondary markets. 

XX/XX/XXXX : Notice of revocation of Power of Attorney ( POA ) was sent to JPMC, formally asserting fiduciary control over the account. 

XX/XX/XXXX : Forensic audit was initiated, revealing gross mismanagement, non-compliance with tax laws, and undisclosed securities trading. 

XX/XX/XXXX : First Presentment was issued to JPMC, demanding GAAP-compliant accounting, return of funds, and proper processing of receivables. 

XX/XX/XXXX : Second Presentment was issued after JPMC failed to respond, reiterating demands and highlighting findings from the forensic audit. 

XX/XX/XXXX : Third Presentment will be issued, incorporating findings from JPMCs filings and forensic audit. The document escalated claims of willful misfeasance, bad faith, and gross negligence by JPMC and its subsidiaries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am a victim of identity theft as a result of the XXXX data breach. Please immediately remove and block the following credit card account and ( XXXX ) inquiries listed : Credit Card Account : Digital EFCU account XXXX opened XX/XX/year> with a balance of {$9900.00} And the following ( XXXX ) inquiries : XXXX XXXX XXXX ( Mortgage Companies - Finance ) XXXX XXXXXXXX XXXX XXXX ( Mortgage Companies - Finance ) XXXXXXXX XXXX XXXX ( Mortgage Companies - Credit Union ) XXXX XXXX XXXX ( Mortgage Companies - Credit Union ) XXXXXXXX XXXX XXXX XXXX ( Bank Credit Cards ) XXXX XXXX XXXX ( Bank Credit Cards ) XXXXXXXX XXXX XXXXXXXX ( Bank Credit Cards ) XXXX Please remove and block the above information listed.

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 2024-12-22 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: CA

Complaint narrative:
I have submitted a dispute to Equifax on XX/XX/year> regarding the inaccurate and incomplete payment history pertaining to the account listed as " XXXX XXXX ''. If the payment history of this account can not be verified as 100 % accurate and complete it is their responsibility to permanently remove the account from my credit report. My records show that the payment history being reported is inaccurate and I have attached supporting documentation of this in my dispute with Equifax. If the payment history of this account being reported, is verified after reinvestigation then account level documentation must be provided as proof for this verification. This inaccurate and incomplete information has caused a significantly negative effect on my credit score, financial reputation, and creditworthiness leading directly to me paying higher interest rates, decreased credit limits on existing accounts, and denials of obtaining new credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Ordered XXXX package from XXXX XXXX they charged me on the XXXX and the XXXX of each month. Do not have the service and only ordered XXXX package which I received in XXXX but after so much trouble trying to settle with XXXX went to the Wells Fargo Credit card and they continued to deny the claim. Have over XXXX for services I did not receive and was double charged. Have no response from XXXX nor the bank. I will have to cancel the credit card since I am still getting charged and still do not have the service.

See attached from the bank and letter to the bank.

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 2024-12-22 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
I received a {$500.00} American Express gift card from my company as a retirement gift. 
I have attempted to use it various times with multiple on line vendors without any success. 

I called American Express multiple times and they keep telling me the card is active and to just try another vendor. I have tried many different vendors without any succees. 

I have exhausted my time and resources trying to use this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Yes Midland Credit management has on 6 occasions tried collecting on a credit card account that is past the state of Colorado 's status of Limitations - this debt XXXX XXXX XXXX XXXX XXXX the debt was 8 years ago and has fallen off my credit because of the statue of Limitations Midland credit is violating my consumer rights and breaking the law with their repeatedly abuse of the collection process. 

this account is 8 years old and has official fallen out of the statue of limitations They are violating The Statue of statue of limitations for federal & state FDCPA UCCC Midland Credit Management

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
To Whom It May Concern, This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im unsure why you included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be deleted. 
So, please delete these accounts due to the inaccuracies that are being reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all inconsistent over XXXX, XXXX, XXXX. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part. I am politely asking that you delete it from my profile, and I believe 20 days is more than enough time for this to happen. 
Thanks in advance The information must be deleted from my report as soon as possible. It is inaccurate and misleading and represents a serious error in your reporting. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to request the deletion of an inaccurate, re-inserted, and fraudulent account present on my consumer credit report and to bring to your attention the failure of XXXX XXXX to provide the necessary proof of debt validation within the stipulated time frame of 30 days. I have previously sent certified dispute letters to these companies to rectify the inaccuracies in my credit report and to ensure compliance with the FCRA, but these companies never responded to me with verifiable documentary proof, original consumer contract, or similar proof bearing my wet ink signature on it, 30 days went by and I received nothing from these companies and these accounts was reinserted with no permissible purpose and without my consent. 

As outlined in the FCRA, failure to provide documented and verifiable proof within the specified time frame obligates the removal of unverified, invalid, derogatory accounts and information from my consumer report. Despite the receipt of my dispute letter and the lapse of the 30-day period, XXXX XXXX has not provided the requested proof nor rectified the inaccuracies in the reported information. They didnt respond to me at all and therefore by law I'm demanding the deletion of this account on my credit report immediately. 

I formally request TRANSUNION to remove the disputed, re-inserted, and inaccurate account XXXX XXXX from my credit report, as per the provisions of the FCRA. The failure of these companies to validate the debt within the statutory timeframe signifies their non-compliance with federal regulations and warrants the removal of the disputed account. 

Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) by the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the unauthorized accounts and inquiries listed IMMEDIATELY!

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) 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 15 USC 1681 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report and no other : By the written instructions of the consumer to whom it relates.

15 U.S.C 1666b ( a ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2024-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This debt was reported to my credit on XX/XX/24. Ive never received any notification of this debt nor is there any verifiable information listed with this debt on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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:
I am filing a complaint pertaining Equifax not blocking the fraudulent items on my credit file. 

The dispute was started without the FTC report attached for the items to blocked. The agent told me he attached the FTC report to the dispute and it would be blocked within 4 business days. 

That has not happened. I am a victim of a crime and if the items are not removed ( blocked ) within 4 business days from today 's date XX/XX/2024, I will be filing suit in The United States District Court for the XXXX XXXX XXXX XXXX with damages for XXXXXXXX XXXX. I can not relocate or move due to the negative items that are on my credit file. I will be filing in court this week if this matter is not resolved. 


Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: AL

Complaint narrative:
I checked a copy of my credit report and noticed two collection accounts that I am not aware of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation