vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
Ive reached out to National Credit Systems to verify debt. I was later sent an email where I could send payment. Im aware of Fair credit reporting act, laws, and statute of limitations. I have the right to dispute incorrect information, which I have tried multiple times through XXXX to validate debt. I have reached out to them directly and began receiving calls early mornings and have received emails. The statute of limitations for debt collections is 4 years in the state of Texas where the contract was signed and state law name in the original copy of contract. After the time has ran out, debt collectors CAN NOT LEGALLY attempt to collect on debt. Therefore, they are violating the FRCA by reporting this collection on my credit report still after XXXX. Ive suffered for the past few years to get this removed due to the debt being paid when they brought it from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I need access to my credit report from equifax, XXXX and experian. I have been unable to access my credit report. 

It is my right to access my consumer report under the Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I need access to my credit report from XXXX, XXXX and experian. I have been unable to access my credit report. 

It is my right to access my consumer report under the Privacy Act of 1974.

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 2024-02-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX reported a false inquiry on XX/XX/year>.

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 2024-02-16 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: OH

Complaint narrative:
I looked at my report XXXX XXXX, 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. These accounts XXXX XXXX XXXX, XXXX XXXX, are not complete and accurate. 
And one more thing according to 15 USC 1681s-2 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 I have attached to reflect inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I looked at my report XXXX XXXX, 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. These accounts XXXX XXXX XXXX, XXXX XXXX, are not complete and accurate. 
And one more thing according to 15 USC 1681s-2 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 I have attached to reflect inaccurate information

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 2024-02-15 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:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: NY

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-02-16 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 appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: MI

Complaint narrative:
XX/XX/2022 I signed a loan agreement to refinance a loan I took out a few months prior. I received a copy of loan agreement but it was too small to read and wouldnt let me zoom in or download a copy. Turns out I have been charged 160 % in interest rates. This is a violation of TILA. Another common violation is regulation z. Which is to inform consumers of detailed loan amount and interest rates clearly. They are based out of Utah and comply to different laws taking advantage of Michigan consumers. The Michigan legislature XXXX states the interest cap is at 25 % maximum. This is 5 times less then what I was charged in fees. Basically a loan shark with high interest rates and strict loan agreements. I am a young single mother in need of money new to credit companies. Now that I have reached out to the debt collector and requested a contract validation I can access my account and contract agreement that was not clearly announced upon agreement. 
Hence my bi-weekly loan plan was charged weekly at times with the dates listed below XX/XX/2022 I was charged {$23.00} in interest Principal charge of {$0.00} XX/XX/2022 I was charged {$52.00} in interest Principal charge of {$52.00} XX/XX/2022 I was charged {$71.00} in interest Principal charge of {$49.00} XX/XX/2022 I was charged {$73.00} in interest Principal charge of {$46.00} XX/XX/2022 I was charged {$76.00} in interest Principal charge of {$43.00} XX/XX/2022 I was charged {$79.00} in interest Principal charge of {$41.00} XX/XX/2022 I was charged {$81.00} in interest Principal charge of {$38.00} XX/XX/2022 ( date I refinanced for work uniform ) I was charged {$71.00} in interest Principal charge of {$49.00} Some weeks I didnt borrow any money technically and was still charged interest a week after payment. 
XXXX of XXXX XXXX requires credit and charge card issuers to provide information to consumers at application and solicitation about key costs and terms Known as a XXXX XXXX But how can I read such fine print and not be able to download the agreement? 

Also a violation of usury laws in the state of michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: AZ

Complaint narrative:
I have asked for assistance since the Foreclosure date was set and given to me on or around XXXX. I have faxed in their application for a modification which Selene verified over the phone when it was received. I have placed many calls to Selene over the last XXXX weeks and as of today, this issue was escalated to the mitigation team for review for the second time, and was advised that there is an issue with cases/emails going to the mitigation team. Today I spoke with XXXX and I was advised that there was an issue she would be reporting in an email of escalation to her manager. 
I reached out to XXXX XXXX from XXXX XXXX XXXX XXXX on about the XXXX to see if they could assist but they do not have funds. 
Anyway, I permitted XXXX to reach out to Selene on our behalf to see if there was an issue or anything she could do. 
XXXX replied to me in an email on XX/XX/XXXX : Hello XXXX and XXXX, I spoke with Selene today. The information I received was that it had not been determined if anything else is needed at this time and takes XXXX - XXXX  days for review. I did ask and confirmed she would send a note to Loss Mitigation for a status update. We will call back in XXXX week - next Thursday, for an update. I did confirm they received all documentation from what she could see, so that is good that the transmission was good. 
If you hear anything different, please let us know. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NC

Complaint narrative:
Company reported an amount I owe on my credit report for a company that no longer exists. They refused to give me any information in regards to the debt and were extremely rude over the phone when I ask for information. Im working to get issue corrected now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: ID

Complaint narrative:
I am filing another complaint because nothing is getting done. I want all documents that I have signed giving you permission to report anything on my credit and this is per 16 USC 1681b ( a ) ( 2 ). I also want to know where you got my bankruptcy information since the court clearly states they do not report, I will be filing for identity theft. I also want you to delete all names on my profile other that XXXX XXXX as this is the only name I have ever used on any document I have ever signed. My next step will be a lawsuit.

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 2024-02-16 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: ID

Complaint narrative:
I am filing another complaint because nothing is getting done. I want all documents that I have signed giving you permission to report anything on my credit and this is per 16 USC 1681b ( a ) ( 2 ). I also want to know where you got my bankruptcy information since the court clearly states they do not report, I will be filing for identity theft. I also want you to delete all names on my profile other that XXXX XXXX as this is the only name I have ever used on any document I have ever signed. My next step will be a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: BlueChip Financial
State: CA

Complaint narrative:
I am getting XXXX  by this company, Spotloan. It was a website I looked into along time ago maybe five years ago but was shocked at its interest rates. I have emails from my past stating my XXXX  associated with their rates. They must have taken offense by it and are now trying to collect on this fake lain that was never signed for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: MD

Complaint narrative:
I have noticed some unauthorized and fraudulent inquires on my report that need removed immediately. 

Xactus/fairway Independence XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

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 2024-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have formally complained about bad debt in my name due to fraud. Also, I have several incorrect addresses in which I have never resided. The following companies have not taken any action or provided any communication : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-02-16 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:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: FL

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-02-16 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:
In the course of reviewing my credit report, I spotted an erroneous and unverified account that need reporting and correction through your company.

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 2024-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Every morning, for the most part, I check my Bank of America online account. Today, XXXX, when I checked it I had {$6.00} and change. That's it. Then I checked it again, and the balance was {$1.00}. After a long day at work, I went to the ATM in XXXX, FL to make a deposit, and the balance was {$0.00}. Why doesn't this ledger reflect that? This online ledger is fake! It belongs to whom? 

So, I made a deposit, {$110.00}. The new balance became {$110.00}. I went to XXXX, {$9.00} and change deductions. Then someone hacked this fake online account and stole {$53.00} ; just like that. I didn't authorize this payment nor did it come from XXXX. XXXX payments always reflect FIRST THING in the morning ; and if it doesn't go through, they simply email you stating it didn't go through, we'll try again on the XXXX of the month. How can someone just steal {$53.00}? I suspect this was XXXXXXXX XXXX XXXX. Also, I checked my email and that's confirmation XXXX did not do this. XXXX do NOT run cards this late in the day. 
In conclusion, this " new '' card is not tied to my real account online or in general. A total crime! And who is anyone in XXXXXXXX XXXX XXXX  to run my card. 
This money, transaction needs to get returned because it was not authorized by me and it was not the Post Office who did this. 

Please have this problem fixed. 

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
Consumer complaint received 2024-02-16 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
There was a fraudulent credit card opened under my name. I have contacted the post office and they have been sending Chase Male back to chase if it is under the wrong address. 

Chase has been sending letters to XXXX XXXX XXXX. 
That is not my address. The letters have been going back to Chase and they are certified. So I know they are getting them but they are denying they have received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the information on my credit report associated with account number. I have recently discovered discrepancies in this account, and after thorough investigation, I strongly suspect that I am a victim of identity theft. 

Account Information : Account Number : Account Type : Open Account Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$6900.00} No. of Months ( terms ) : XXXX High Credit : {$6900.00} Credit Limit : {$0.00} Past Due : {$6900.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX ( XXXX ) | XX/XX/XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: IL

Complaint narrative:
I am writing to formally dispute the information on my credit report associated with account number. I have recently discovered discrepancies in this account, and after thorough investigation, I strongly suspect that I am a victim of identity theft. 

Account Information : Account Number : Account Type : Open Account Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$6900.00} No. of Months ( terms ) : XXXX High Credit : {$6900.00} Credit Limit : {$0.00} Past Due : {$6900.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX ( Experian ) | XX/XX/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 2024-02-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX made an unauthorized inquiry on my credit XX/XX/2022.

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 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX Bank of America withdraw {$4100.00} from my checking account to offset a late credit card account, in violation of federal law. I called and talked to numerous people at Bank of America and they refused to reverse the offset, even when I reminded them that it is a violation of federal law to use a deposit account to offset a credit card debt

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