vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-07 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX ( DATE FILED XX/XX/XXXX ) UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The account was opened on XX/XX/XXXX, and was closed at the creditor 's request. It has been charged off with a balance of {$480.00} past due as of XX/XX/XXXX, with a total of {$490.00} written off. The account has consistently been reported as charged off ( CO ) from XXXX to XXXX. It also shows a series of late payments, with increasing past-due periods. The account was disputed under the Fair Credit Reporting Act, but the dispute was noted without resolution in the provided statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: CO

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: NV

Complaint narrative:
I am writing to request the immediate blocking and deletion of unauthorized accounts that have appeared on my credit report due to a recent data breach in which I was a victim of identity theft. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts removed to protect my credit and personal information. Below are the details of the accounts that require removal : Accounts : XXXX XXXX XXXX - XXXX - XXXX - {$0.00} XXXX  XXXX XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX  - XXXX - XXXX - {$28000.00} XXXX XXXX  - XXXX - XXXX - {$60000.00}

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 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened an account with Chase on the XXXX of XX/XX/year>, at their XXXX XXXX in XXXX, Illinois. I subsequently deposited a cheque of approximately XXXX dollars at the branch which they told me they would hold the money for 7 days to verify the cheque with the issuing bank. A few days later, I got an email saying that my account was suspended for fraud and will need to verify with my company. I informed them that my company did not have an official number for payroll but can provide a number for HR and also a letter from legal which they did not accept and then put me on an early fraud warning system that has prevent me from being able to open an account from any other branch. 

I asked them to return the cheque but they responded that they couldn't as they had cashed it and deposited into my account. On the XXXX of XXXX, they closed my account but would not return my money. I have called them constantly to find a solution, I have also gotten my company to register a number for them to contact but that number does not show up on Chase 's 'propriety ' system according to them. 

It is now the XXXX of XXXX and I have no way of getting my money, this is why I am filing a formal complaint for the return of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Trying to call them, I can not get ahold of anyone. My debt is listed as {$10000.00}, however I only ever received a loan for {$4700.00}. I spoke to someone with federal student loan and they're saying I took two loans. One for {$6500.00} and another for {$3000.00}. I did not apply for two loans and want to dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
The Vanilla Gift card of {$500.00} was given to me on XX/XX/year>. When I try to use it it got denied at store. When I called the customer reps at vanillagift.com ( XXXX ) and they told there is some processing problem and they cant fix it without purchase receipt. They told they see that it was charged for {$500.00}. Customer reps are not helpful in this case. They told me to go to the store where it was purchased and the XXXX store where this was purchased is closed. I feel helpless and i told i am willing to provide the driving license and other information but they refused to help me. 
Case number/Reference id XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I noticed an account on my credit report that does not belong to me or has incorrect 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 2024-11-07 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: FL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX ( DATE FILED XX/XX/XXXX ) UNAUTHORIZED XXXX : XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My father had a Lowes Credit Card. He passed away last year, and we didn't realize the his wife could not use the card, so there were a few purchases made. This balance was paid off and we assumed the account was clear. We then received a bill from Synchrony Bank for {$3.00}. I called the company to find out what this charge was for since the account had been paid off. The person I talked to could not tell us and said an error of some sort because we had not made any other purchases. I explained that I had paid everything in full and was told that I would owe nothing more. They asked to speak with my father whose account it was and I told them he had died the previous year. I received sympathy and was told I was told I would not have to pay the charge or anything more. The account was closed. 

The following month, I received another bill for more money, I assume a late for whatever the first fee was. I again called them at which point, they wanted all types of information over the phone about my father 's social security number, account, etc., including a copy of his death certificate. But I was also told I was under no obligation to give them any of this information. I didn't feel right about giving any of that over the phone. And if I was not obligated then why did they keep asking for it. I again asked that the account be closed and no more bills. She said ok and hung up. 

The following month, I received yet another bill, with an additional charge again. This time, I wrote a letter explaining all the details. I stated that this should have all been taken care of and told them that it was harassment. What kind of company harasses a grieving family over an initial {$3.00} cents. 

Again, the following month, another bill came with a larger amount, so again I sent them a copy of the same letter. Then again, another bill the next month for more. 

If they could have told us what the original fee was for, then we probably would have gone ahead an paid it, but they did not know. They told us we didn't have to pay it or anything more. So why are the bills still coming? Please help

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 monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
I was garnished on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a 100 % XXXX XXXX. Federal Law ( FDIC XXXX XXXX ) states : The Department of the Treasury ( Fiscal Services ) the Social Security XXXX, the XXXX  XXXX XXXX XXXX, the XXXX XXXX XXXX, and the XXXX XXXX XXXX XXXX have jointly issued a rule ( 76FR at 9939 ) ( interagency regulations or regulation ) that a financial institution must follow when it receives a garnishment order against an account holder who receives certain benefit payments by direct deposit. The types of Federal benefit payments covered by interagency regulations are : Social Security benefits, Veterans benefits and financial assistance from the XXXX XXXX XXXX XXXX ( XXXX ) 1. As long as funds are direct deposit they are protected.

2. Veterans benefits are protected 3. Financial assistance from Federal Emergency Agency ( FEMA ) is protected 4. On a separate note, I never received a notice from XXXXXXXX XXXX XXXXXXXX until XX/XX/XXXX XXXX. I do not reside at XXXX XXXX XXXX XXXX I moved in XXXX XXXX never gave me any notice of this order until the bank sent it to me. 
7.I do not believe this is my debt As Lawyers you should know that I am exempt from garnisment. I You have caused me great harm, The law clearly states that you can not garnish my funds. I tried to explain that to you at hearing but nobody would listen. I implore you to read the law from the Consumer Protection Bureau so that you can under stand the law. I found it 30 minutes after looking and I am not a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I noticed an account on my credit report that does not belong to me or has incorrect 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 non-monetary relief
Consumer complaint received 2024-11-07 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX  XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX I XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A debt collector office filed a case in the court of XXXX claiming {$54000.00} on services never used by me or my company. 

Attoerney office : BANK OF AMERICA N A Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Email sent to the attorney : XXXX XXXX XXXX XXXX ( 1 hour ago ) to XXXX XXXX  letter sent to attorney : I saw this lawsuit by you and I'm not sure if you're a fraud or not. 
I have nothing to do with this claim and my company is a real estate and not a merchandise/retail. 

https : XXXX ** My company is not a dba XXXX  only XXXX XXXX, If you're not a fraud I'm willing to talk to you to save your efforts and my efforts. 
If you don't believe this and are planning to proceed I will hire a lawyer locally ( someone I've been working with for several years ), keep in mind we will sue you for all the damages you are causing me by filing a lawsuit before checking the full details. 

There are 2 options, 1. You're a fraud.

2. Whoever used my company name was a fraud.

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 2024-11-07 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 am disputing the information on my Equifax report collection account XXXX with # XXXX and balance of {$510.00}. The original creditor is XXXX  XXXX  I am a victim of identity theft and I never authorized this account I requested proof or verification that I agreed to this contract and have still not reached a resolution. 

; In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 this section states a credit issuer can not furnish an account without my written directions under USC 166B a creditor may not treat a payment on a credit under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This letter is a formal complaint that you are reporting in accurate and incomplete in credit information. 

According to the Fair Credit Reporting Act Section609 ( A ), you are required by federal law to verify through a physical verification of the original signed consumer contract, any and all accounts that you post on a credit report otherwise anyone paying for your reporting services could fax email or mail a fraudulent account. 

Your failure to positive verify these accounts has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the amount listed below. 

I demand that the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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:
There are unauthorized items on my credit report that stem from fraudulent use of my personal information, and I have never benefited in any way from these transactions. Recognizing the seriousness of this, I promptly filed a report with the Federal Trade Commission, hoping for a resolution. Unfortunately, despite taking the appropriate steps and reporting the fraudulent activity, these items remain on my credit report. This ongoing situation has become increasingly frustrating, as I am dealing with the consequences of someone else 's misuse of my information.

Company response to consumer: Closed with non-monetary relief