vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NATIONAL CREDIT ADJUST XXXX XXXX XXXX XXXX XXXX, KS XXXX The right to contest my credit report is something that every American has, and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed, but also what kind of debt loadurbances can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable. I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it. You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations. This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and incompliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ). Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations, then we'll leave things as they are but if not - well... I demand that you remove them from reporting ( my credit report ) immediately. I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ). The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately : NATIONAL CREDIT ADJUST ( XXXX ) - ( XXXX ) XXXX NATIONAL CREDIT ADJUST - XXXX XXXX XXXX Account # : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$2400.00} Closed Date : XXXX -- Credit Limit : XXXX -- Creditor Remarks : XXXX ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTOR 'S INTERNAL COLLECTION DEPARTMENT Creditor Type : - Finance Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$2400.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX -- Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX XXXX Loan Type : FactoringCompanyAccount

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FC HoldCo LLC
State: LA

Complaint narrative:
Did not authorize company to run credit.

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 2024-05-05 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:
Improper use of my report ( shared without consent, credit inquiries from unknown sources ) Reporting companies used my report improperly ( Obtained or used for purposes that arent allowed By 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 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
After depositing a check with different name that account owner name ( my own account ), Chase closed the account and is holding the fundings from the check. The check is already cashed and sitting in the account. Chase is refused to return the funds to the origin bank, XXXX XXXX XXXX or releasing it to account owner. The check was issued by XXXX XXXX and they had a wrong name on the account. XXXX 's wants to issue another check with the correct name ; however, they will need fundings from their first check back first. I do have all documents including receipts for this transaction with XXXX XXXX. Chase is acting as if they own these funds and will not release it to account owner nor send beck to XXXX XXXX XXXXXXXX which issued and cleared the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: FL

Complaint narrative:
I am in disagreement with the accounts listed below which still appears on my credit report even after your investigation. 
I would like those items immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
the accounts are XXXX  XXXX XXXX account not reported dated Opened XX/XX/2021 XXXX  XXXX XXXX account number XXXX In accordance with the fair credit reporting act public law 91-506, Title VI. Section 611, please provide the name and business addresses of each individual with whom you verified the account, so that i may follow up. Please send me an updated copy of my report after your investigation

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 2024-05-05 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: CA

Complaint narrative:
recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I have already contacted the Federal Trade Commission and filed a complaint # XXXX. I kindly request that you block and eliminate all information from my credit report and provide me with an updated copy of it in accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these accounts within 4 Business Days of receipt, I urge you to block and remove all information related to Identity Theft. XXXX. XXXX XXXX. Account number : XXXX. Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : XXXX. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. XXXXThe date on which you contacted the individual information furnishers. XXXXThe method of communication used to verify the 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 2024-05-05 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: VA

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX Account # XXXX Account type : credit card In accordance with the fair credit reporting act, public law 91-506, title VI, section 611 please provide the names and business addresses of each individual with whom you verified above so I may follow up. please send an updated copy of my credit report after your reinvestigation.

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 2024-05-05 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: VA

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX Account # XXXX Account type : credit card In accordance with the fair credit reporting act, public law 91-506, title VI, section 611 please provide the names and business addresses of each individual with whom you verified above so I may follow up. please send an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: CA

Complaint narrative:
I am attaching my FTC Identity theft report and the following accounts need to be removed from my Equifax credit file. XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( This is the XXXX account listed on the FTC report ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
one person was working at the office like office manager, who was uncharged to make weekly checks to pay employees.

she was making fraud checks under our employee names, but cashing by herself to take the money.

it is that she realized one check under " A '' name, and 1 or 2 more under " A '' name, to herself.

she went near the office weekly to cash those, but that place never ask for id to cash it.

the bank changed the checks to the owner of cash checks store, without check id or name on the sign check line neither. 

it was since XX/XX/XXXX to XX/XX/XXXX with a total amount of {$400000.00} and XXXX checks. 

in the file attached, only was updated o part of all the copy checks cashed from our company bank account since XX/XX/XXXX, provided for the Bank. the complete report of the files, are available in case all of them were needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I have sent numerous amounts of letters to the creditors they say I owe them. However, they have failed to respond to any of my letters. I have sent letters to the XXXX, XXXX and XXXX in the hopes that they would remove the items from my credit report. They have said that the accounts have come back verified however they have failed to provide me with documentation of proof that these accounts are mine. I have sent letters very month since XX/XX/XXXX trying to resolve the matter. the accounts in question are I C Sysyems, XXXX XXXX and 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 2024-05-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My partner and I received an email stating we had changed our password for our joint care credit online account. We responded to the email stating we had not changed it. We were directed to a customer service rep. We were notified at that time that the email address had been changed as well. Over the period of a day we noticed multiple charges on our account online. We requested the account to be closed. We were told by the customer service rep that a new card had been issued and opened. We did not request this card but that it had been sent in the mail because we were eligible. My partner and I have never received a new card. We have called many times and spoke to their investigators and customer service. We have been accused of opening the card and using it. We are not sure how the card was activated. We are not sure if it was mailed to our address and stolen or lost in the mail. It has been a year and synchrony bank who holds the debt for CareCredit has done nothing but claim that we made the charges. At this point, they cant even tell us what the new email address is or how the card was activated. The charges are over {$7000.00}. Please let us know if you can help. Thank you.

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 2024-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CT

Complaint narrative:
I am a XXXX  and work for a non profit XXXX Ive been paying my loans since XXXX  and am trying to get information and help with student loan forgiveness or partial forgiveness and I keep hitting road blocks online and have sat on hold multiple times for more than XXXX minutes. I think I qualify for help but I cant get through to anyone snd I can only get so far online because the website is not accepting my information. I need help. I need to speak with someone and I XXXX sent multiple emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: CA

Complaint narrative:
recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I have already contacted the XXXX XXXX XXXX and filed a complaint # XXXX. I kindly request that you block and eliminate all information from my credit report and provide me with an updated copy of it in accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these accounts within XXXX Business Days of receipt, I urge you to block and remove all information related to Identity Theft. XXXX. XXXX XXXX. Account number : XXXX. Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the 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 2024-05-05 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:
recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I have already contacted the XXXX XXXX XXXX and filed a complaint # XXXX. I kindly request that you block and eliminate all information from my credit report and provide me with an updated copy of it in accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these accounts within XXXX Business Days of receipt, I urge you to block and remove all information related to Identity Theft. XXXX. XXXX XXXX  Account number : XXXX. Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: CA

Complaint narrative:
in accordance of Fair Credit Reporting act XXXX XXXX XXXX  # ... XXXX is in violation of 15 U.S.C. 1681

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 2024-05-05 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: CA

Complaint narrative:
in accordance of Fair Credit Reporting act XXXX XXXX XXXX # ... XXXX is in violation of 15 U.S.C. 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Did not authorize the company to run my credit check.

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 2024-05-05 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: CA

Complaint narrative:
in accordance of Fair Credit Reporting act XXXX XXXX XXXX  # XXXX is in violation of 15 U.S.C. 1681

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 2024-05-05 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: CA

Complaint narrative:
in accordance of Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX is in violation of 15 U.S.C. 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2024-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: D.S. Erickson & Associates, PLLC
State: WI

Complaint narrative:
Debt collector garnished wages after I sent a wage exemption form within the 10 days of receiving notice. Wages were garnished on XX/XX/2024. I am exempt and am on government assistance. ( Wisconsin XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: Kovo
State: CA

Complaint narrative:
Kovo popped up on my credit report out of nowhere, Ive never done business with this merchant, dont need their services, and did not convent to the authorization to opening this account it is a fraudulent account opened by identity theft

Company response to consumer: Closed with explanation