vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 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: EQUIFAX, INC.
State: NY

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. 
Account name : XXXX XXXX # XXXX, has violated my rights.

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
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: NV

Complaint narrative:
I am not liable for this debt with XXXX XXXX, I do not have a contract with BERLIN WHEELER INC, they did not provide me with the original contract as I requested. I am writing to express my dissatisfaction with your recent attempt to collect a debt from me, account number XXXX, regarding my purported overdue balance of {$570.00} allegedly owed to XXXX XXXX. I have been a victim of identity theft for the past XXXX  years. There have been Fraudulent Items being reported to my Credit Report. The following account BERLIN WHEELER INC ( Account NumberXXXX ), Original Creditor : XXXX XXXX . Date Opened : XX/XX/2024. Balance {$570.00}. I have never had an account with this company. Cease the reporting of the fraudulent item being reporting immediately to all credit bureaus. I am not liable for this debt with XXXX XXXX and I do not have any contract with BERLIN WHEELER INC.

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 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I ordered a XXXX from XXXX and went to return it. They sent me a label that I was having issues with and an email saying I had up until the XXXX of XXXX to send in the XXXX. They sent me an email on the XXXX of XXXX saying my case was closed without anymore explanation. Also to add to that, XXXX has a 30 day money back guarantee and I had started the return process on the XXXX of XXXX so I should have had until the XXXX of XXXX. Regardless I sent in the XXXX prior to the XXXX, the date they originally told me to send the XXXX by. The XXXX arrived and I will send proof of all of this as well. I was never able to get a refund from them and I contacted XXXX as I had paid with XXXX. I submitted the dispute wrong and filed it under unauthorized payment in misunderstanding and XXXX refused to refund me as well. I contacted my Capital One credit card bank to refund me and they gave me a pending credit which they took back and said they needed more evidence to respond back to XXXX. I submitted all the evidence and each time theyd tell me to submit more evidence for different reasons and that it was not efficient to respond to XXXX with until they finally told me that the case was closed and they will not be giving me any credit or refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
Received an alert on my credit report that a collection flagged my credit report. The collection agency name is " Jefferson Capital System ''. I called them and was told that this debt was a mobile account for XXXX XXXX. I made the collection company aware that I have never had an account with XXXX XXXX and that I was the victim of identity theft and that this account was opened fraudulently in my name using my personal information. I also asked the collection agency ( Jefferson Capital Systems ) When this account was opened and the address. They were unable to give me this information because they stated they had no information. I asked them to mail all the information they had to me, and to reframe from contacting me. I also informed them to delete this immediately due to fraud. The collection agent stated she would make a note in her records. I have had the same mobile company for over 14 years. I have never had an account with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I dispute the validation of the debt. Company never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc.
State: MI

Complaint narrative:
In 2021 I co-signed an apartment lease for my son who is in college. When he moved out the complex tried to charge us for items that fall under normal wear and tear thus not allowed to charge us. They sent to collections - ProCollect and I didn't pay because I felt I didn't owe the money. ProCollect a collections on my credit report and my son 's credit report. Once it hit my credit, I called ProCollect and told them I would pay the balance in full if they delete the collections from mine and my son 's credit report. They agreed and I paid in full but now they will not delete the account, they just show it as a XXXX balance. This has dropped my XXXX XXXX XXXX points and is adversely affecting my abitlity to obtain a mortgage for a property I want to buy. When I contact ProCollect now they say they don't do deletions and then they hang up on 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 explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL

Complaint narrative:
On XX/XX/2024 ( 7 days ago ), I received a disturbing email from XXXX, the loan servicer stating that I had 30 DAYS to make a payment or request a deferment or forbearance before the loan would be accelerated to a debt collection agency. I filed a deferment in a very timely manner and prior to their deadline. I should have until about XX/XX/XXXX ( since according to their email on XX/XX/XXXX I had 30 days ). 

I received a denial because I don't qualify for an Economic Hardship Deferment. 
I earn XXXX XXXX  of the XXXX XXXX XXXX and am currently on XXXX Assistance. 

According to a chat with XXXX on XX/XX/2024 at approximately XXXX EST, I was advised that " these '' loans do not qualify. The biggest issue is that, XXXX disregarded their promise to me that I had 30 days to handle these loans as they have already sent the loans to collection. 

In addition, these loans shouldn't even exist as I was enrolled in college under false pretenses and lies. The college of attendance, XXXX University, lied and violated their contract to me about the cost of schooling. In respect to that, XXXX XXXX loans were forgiven under the XXXX XXXX XXXX XXXX XXXX Lawsuit. 

I was forced to withdraw from college with XXXX CLASS left to graduate because the college overcharged me by 1000 % and I was unable to pay for their typo. The cost of these loans should be covered by XXXX University for breaching their contract. 

The contract stated I would have to pay {$50.00} per month to the school due to my current financial situation, it was significantly lowered from the normal. I forgot about these payments. After 10 months of schooling, I was approached by the XXXX XXXX  office that I had to pay {$5000.00} or withdraw ( and with a condescending tone as I remember the conversation ). If the contract was not breached, I should have only had to pay {$500.00}, which I could have done. Due to the impossibility of obtaining {$5000.00}, they forced me to withdraw with XXXX XXXX left to graduate. This has caused a huge downward spiral for the rest of my life, to include myself and my kids becoming homeless due to owing student loans and not having a college degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im writing to delete the following information from my file. The items deleted are listed in the report I am a victim of identity theft and i did not make the charge. I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal tray commission identity theft affidavit. Please delete this item as soon as possible.

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 2024-04-22 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: FL

Complaint narrative:
Im writing to delete the following information from my file. The items deleted are listed in the report I am a victim of identity theft and i did not make the charge. I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal tray commission identity theft affidavit. Please delete this item as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Overall summary : XXXX XXXX XXXX XXXX is the Mortgage company for XXXX XXXX and XXXX XXXX for the home on XXXX XXXX XXXX, XXXX AZ. At the end of the year, surplus for the escrow account was sent via check for {$490.00}. That check was stolen and was cashed by XXXX XXXX XXXX. He signed the names on the check and then signed it over to himself. Chase caught the fraud and has the money. 
XXXX. When reported to XXXX XXXX XXXX XXXX, they asked XXXX and XXXX to file a police report, which was done with the XXXX Police Department. It is case number : XXXX. XXXX XXXX XXXX XXXX got the police report but then said there is nothing that can be done since the money was paid out. They suggested I check with the bank that cashed the check. 
XXXX. XXXX went to Chase bank and spoke with a local bank XXXX, XXXX XXXX. She did confirm that the check was flagged for fraud and that the money was recovered from the fraudulent account. They did confirm that both XXXX XXXX and XXXX XXXX were the intended recipients. 
XXXX. Chase back refused to pay out the money and indicated that XXXX XXXX XXXX XXXX must cancel the check or claim it as fraud through the system. In a call between XXXX and XXXX XXXX of XXXX XXXX XXXX XXXX XXXX said that XXXX XXXX XXXX bank has no policy do not do what XXXX is asking, but they can provide a letter stating what happened. ( Letter Attached below ) XXXX. The issue was escalated within Chase Bank to a branch complaint department. XXXX was assigned the case and can be reached at XXXX ext : XXXX. On XX/XX/XXXX he informed XXXX that without XXXX XXXX XXXX XXXX there is nothing more that can be done. When asked if I could get the denial in writing stating the reason, he said it was not Chase policy to send anything in writing to customers. 
XXXX. In multiple emails to XXXX asking for information, updates, and to provide information, XXXX never once responded to any emails. When asked, she said that it was against Chase policy to write emails to customers. 
XXXX. Bottom line : Chase has the Money. Chase knows it was XXXX. Chase knows it was intended for XXXX XXXX and XXXX XXXX. Chase will not pay out the money. Chase refuses to confirm the situation in writing but has verbally told XXXX XXXX, they will not pay the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: MD

Complaint narrative:
I request validation of debt based on the below laws : 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty days that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within thirty days, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 

insurance was filed with XXXX  on my behalf by my social worker in which i was approved for, my XXXX coverage starting on XXXX XXXX XXXX plus a retro active period of 90 days before the start date. 

i was cover by XXXX  insurance during mentioned service dates by provider, i should not be receiving these medical bills by this collection agency, and these bills should not be reflected on my credit report! 

experian report account # 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 2024-04-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX, I received a text message from XXXX that stated : Your past due account has been red flagged to be reviewed by our legal network for possible lawsuit.To resolve voluntarily on your own behalf and avoid further action call XXXX Send STOP to opt out. Theres no info provided about who is texting or what company is trying to send an account to their legal network. On XX/XX/XXXX at XXXX, I called the phone number provided. The first time no one answered, so I called again and got in contact with XXXX who XXXX they were a debt collection agency named Structured Settlement on behalf of Check N Go. He then transferred me to XXXX with the XXXX XXXX Department. Her phone number is XXXX ext XXXX. XXXX was IMMEDIATELY hostile the moment I began asking questions. I simply did not recall the information or interaction with the company and was asking for clarification and additional information. She immediately began grilling into me and yelling at me asking why would I admit to the debt and set up a payment plan with them in XX/XX/XXXX and the payment came back as insufficient funds. And when I asked for a debt validation letter she yelled at me and said, Go look at your credit report, thats your debt validation letter. 
After some back and forth, I decided to set up another payment plan, because XXXX claimed that my account was going to be forwarded and I would be sued for the debt tomorrow XX/XX/XXXX. Under the FCRA, I am entitled to the information I asked for and I was refused. And I still do not recall ever interacting with this company for debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: GA

Complaint narrative:
This debt was an identity theft with synovus/ first digital. I sent them numerous documents that this debt was fraudulent and instead of rectify the situation they sold the debt to XXXX XXXX XXXX who is now showing on my credit as negative

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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:
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : CHRYSLERCAP Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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
Consumer complaint received 2024-04-22 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: GA

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. 

Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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