vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
Subject : Complaint against NCB MANAGEMENT SERVICES for Violations of Consumer Financial Protection Laws To Whom It May Concern, I am writing to file a formal complaint against NCB MANAGEMENT SERVICES for multiple violations of consumer financial protection laws, specifically as outlined below : XXXX. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : NCB MANAGEMENT SERVICES has placed a collection account on my consumer report without providing any validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation or verification of the debt, despite it negatively impacting my credit report. 
2. Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been afforded the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). NCB MANAGEMENT SERVICES failed to notify me of my right to dispute the debt and has not responded to my requests for verification.

3. Use of False, Misleading, and Deceptive Means : NCB MANAGEMENT SERVICES has engaged in practices that are false, misleading, and deceptive in attempting to collect this debt. They have provided no substantiation of the debt 's validity and continue to report it inaccurately to consumer reporting agencies.

4. Unauthorized Reporting to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) ) : NCB MANAGEMENT SERVICES has furnished information about this account to consumer reporting agencies without providing required disclosures under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ). This action is in clear violation of federal law governing the accurate reporting of consumer credit information.

I request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against NCB MANAGEMENT SERVICES. I am seeking resolution of this matter, including but not limited to : * Verification of the debt in question and its removal from my credit report if not substantiated.

* Correction of any inaccuracies in reporting to consumer reporting agencies.

* Any other relief deemed necessary to rectify the harm caused by NCB MANAGEMENT SERVICES ' actions.

Thank you for your prompt attention to this matter. Please contact me if further information is needed.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: Diversified Adjustment Service, Inc.
State: LA

Complaint narrative:
Upon reviewing my report, I have identified an unauthorized account. I have no binding contract or any affiliations with consumer. I request the removal of this inaccuracy immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: IL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-20 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: FL

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX - XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-06-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after l asked you to do it TWICE and your neglect has violated my rights, l am demanding a deletion of the following account : XXXX XXXX XXXX. 
Under 15 U.S.C. {$16000.00} ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business nam and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description.

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 2024-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after l asked you to do it TWICE and your neglect has violated my rights, l am demanding a deletion of the following account : XXXX XXXX, XXXX. 
Under 15 U.S.C. {$16000.00} ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business nam and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description.

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 2024-06-20 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: PA

Complaint narrative:
This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after l asked you to do it TWICE and your neglect has violated my rights, l am demanding a deletion of the following account : XXXX XXXX, XXXX. 
Under 15 U.S.C. {$16000.00} ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business nam and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Around XX/XX/XXXX, I moved into a home with my mother to help her out. I moved to XXXX around the beginning of XX/XX/XXXX due to her Irresponsibility and her erratic and dangerous. I couldnt handle the workload myself so I left. I just received a letter in the mail saying that I owe around {$2600.00} to XXXX XXXX. I reached out to the debt collection company and explain the situation and I was told that the account with XXXX was made under my name. This was done without my knowledge, especially since everything was supposed to be under her name. When I called XXXX, They explain to me that the account was made under my name in XX/XX/XXXX. XXXX directed me to start this fraud claim in order to resolve the 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
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Account Systems of Omaha, LLC
State: NE

Complaint narrative:
National Account Systems is currently reporting a debt on 2 of my credit reports that has been paid in full. The orginal creditor being XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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 did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lendmark Financial Services
State: WI

Complaint narrative:
I applied for credit and was denied regardless of the reason for being denied. I have the right to credit. Withholding my access to my securities is securities fraud your violating the Equal credit act as well as consumer credit protection act. Title 15 United States code 1691 scope of prohibition mentions it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit. Transaction activity is prohibited under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: NJ

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 2024-06-20 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: SELECT PORTFOLIO SERVICING, INC.
State: OR

Complaint narrative:
On XX/XX/year>, I called Select Service Portfolio Inc located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to request information related to the foreclosure of my sisters house located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX due for auction on XX/XX/year>. I was instructed by their staff to submit payment to their XXXX XXXX XXXX account of {$66000.00} to cure the past due mortgage on the property. Payment was sent via wire on XX/XX/XXXX as instructed on recorded lines by their staff. 

I called multiple times in the following days to confirm receipt of payment, which was confirmed and their online portal was updated to " Current '' status. I set up autopay to avoid any future past due amounts from happening and set off for planned international travel through XX/XX/XXXX. The XXXX mortgage payment didn't go through, so I called and inquired about the status of the property. They confirmed that the foreclosure auction had gone through and the property was now owned by their bank. I requested the {$66000.00} be sent back to me, and they agreed it would be sent back via wire through the account that sent it. I called again on XX/XX/year> and was told by their employee XXXX that the payment would be sent via check to the mailing address on file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called again on XX/XX/year> to inquire on the status of the refund that wasn't applied towards the past due balance and was told by employee ID number XXXX that the cashiers office was on lunch break and I'd get a callback on the status of the mailed check. It is XX/XX/XXXX, and I haven't received the requested amount via check or wire and nobody has called to confirm the status.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: TX

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: TX

Complaint narrative:
In XXXX XXXX XXXX and XX/XX/year> I have written Equifax, XXXX and XXXX about late payments they are reporting on XXXX  XXXX account. I believe it is in violation of FCRA 15 USC 1666b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
collection agency is reporting to all 3 bureaus that I owee this unknown debt.I am requesting that the collection agencyprovides that this debt is owed to them and or thatthat the debt is unpaid the debt is unknown and I havenot recieved any communication from either the original creditor or the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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 checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: NC

Complaint narrative:
On XX/XX/year> I received the following email from Chase XXXX XXXX regarding my card ending in XXXX : " From : Chase XXXX Subject : We're processing your replacement card request. 
Date : XX/XX/year> at XXXX XXXX To : XXXX Chase Logo Dear XXXX XXXX XXXX We received your request to replace your Chase credit card ending in XXXX on XX/XX/year>. 

Here 's what you can expect next : A replacement card will come in a plain envelope within the next few days. 
You can verify that you received your new card by visiting our site or by calling the number on the back of your card. 
You can use your existing card until your new one arrives. Please destroy your old card once you've got your new one. 
Your new card may have a different expiration date and CVV number ( the number on the back of the card ). 
Your mobile payments won't be affected. You can continue spending even as you wait for your card to arrive. 

If you didn't make this request : Call us right away at the number on the back of your card. If you don't have a card with you, visit our customer service page to find the best phone number to contact us. 

Thank you for choosing Chase. 

Chase logo Dont have the Chase Mobile app? 
App XXXX XXXX XXXX play button The Chase Mobile app is available for select mobile devices. 

XXXX XXXX and the XXXX XXXX logo are trademarks of XXXX XXXX. 

Chase, Chase XXXX, and the Chase XXXX are trademarks of JPMorgan Chase Bank , N.A . 

XXXX and the XXXX logo are trademarks of XXXX XXXX, registered in the XXXX and other countries. XXXX XXXX is a service mark of XXXX XXXX. 


ABOUT THIS MESSAGE This service email gives you updates and information about your Chase relationship. 

To protect your personal information, please don't reply to this email. Instead, use the mobile app or sign in to chase.com to send a message from your XXXX XXXX XXXX. 

If you have concerns about the authenticity of this message, please visit chase.com/CustomerService for options on how to contact us. 

Your privacy is important to us. See our online XXXX XXXX to learn how to protect your information. 

JPMorgan Chase & Co. '' I immediately called the XXXX XXXX number on the back of your card on the same day because I did not make this request. 

XXXX XXXX took my call. I asked XXXX XXXX for his ID and he replied, " We do not disclose our ID numbers. '' I told XXXX XXXX that I did not request to replace my Chase credit card ending in XXXX on XX/XX/year>. 

I then asked XXXX XXXX how did JP Morgan Chase receive this request them claim was from me? XXXX XXXX did not know and asked me to hold while he further investigates. 

XXXX XXXX returned to the call as said the card got replaced automatically. No one requested it to be replaced. 

Today, XX/XX/year> I receive the new card but it's the exact same card - same number, expiration date and security code.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief