vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX XXXX XXXX XXXX  and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordinglyXXXX 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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, I had a credit alert last summer of 2022 that my score had dropped immensely. I logged into XXXX account to see if anything was ontoward. I saw that there is a credit card with JPMCB in my name in the amount of approximately {$67000.00} that was unpaid. The address attached to this card is an apartment address in XXXX XXXX. I live in XXXX XXXX. Prior to that I lived in XXXX XXXX. I have never had another address in Florida or the XXXX. I have never had a credit card with this company either. The card is also opened in a business name with my name. It is similar to me but not the name of my company. I have spoken directly to JPMCB XXXX XXXX to dispute this and also with XXXX XXXX reporting where I keep an eye on things. I had experian remove this address from my file. I have received a letter from JPMCB saying that after months of investigation they have determined that I am responsible for this account and that they determined the address via public records. Also, basing their information on the fact that there were no returned statements and that previously the card had been paid by money order before I am assuming the person stopped paying. WHat doesnt make sense is that I explained to them I have never had an address in XXXX and if that is what is attached to this account, why would that person who opened the account return the statements? It seems also obvious that if that person wanted to make larger or more purchases, wouldn't they would pay something so they could continue to use it? In any case, please can you help me to remove this address from the public records and or advise me how to prove to JPMCB that this is in fact not me. I have no other blemishes on my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
I filed my Bankruptcy on XX/XX/2022. So I called several companies to notify them, including XXXX XXXX, with which I was current on payments. Then, for no reason, XXXX closed my account, cut off my service, and illegally entered my checking account, to withdraw money to pay for XXXX months of service. 
As far as I know, while a person is in the middle of a bankruptcy case no company is allowed to contact customers under that case, however, they sent me bills every month during the XXXX months that the case lasted. 
When I complained to the Bankruptcy XXXX, he called XXXX 's attention because they had acted illegally against the Bankruptcy laws, first by sending me monthly bills and then taking money from my account without authorization. 
But then XXXX sold my information to the collection company XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX, phone XXXX. They sent me a bill asking for the payment of the balance of {$100.00}. 
So I called XXXX on XX/XX/2022 ; I spoke with the agents XXXX and XXXX to whom I explained the case that I was protected under the Bankruptcy law of the state of XXXX. So they told me they were going to investigate. 
After that date, they never called me again or sent any notification, until I received a notification from XXXX XXXX indicating that XXXX reported the XXXX account as " Collection/Chargeoff '' on my credit. 
I immediately called XXXX and the same agent XXXX refused to listen to me, mocking my claim, and hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I sent a letter to XXXX, XXXX, and TransUnion on XX/XX/2022. Here is the report number : XXXX, To remove personal information off my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 

These are clear violation of my federally protected consumer rights.

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter to XXXX, Equifax, and XXXX on XX/XX/2022. Here is the report number : XXXX, To remove personal information off my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not supposed to share my information to third party people.

These are clear violation of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
incorrect information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I was not aware that this account was opened using my information. I was only made aware when I began trying to repair my credit recently. That is when I had spotted this account, which was only opened for a few months then closed. This account was opened without my knowledge, I have already notified the bureaus and filed a police report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank
State: IL

Complaint narrative:
The dates mentioned I were late in making my payments were incorrect, I requested the proof but they failed to provide the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC
State: DC

Complaint narrative:
on XX/XX/XXXX got a loan for XXXX from Makwa Finance they have been taking XXXX out of my account for 13 weeks on the 14th week I paid them {$500.00}, it seemed to me that it was difficult to pay it off in time. On the XXXX of XXXX I owed Makwa Finance {$1700.00}, so I took a loan out from XXXX XXXX for {$2000.00} to pay off a loan at Makwa Finance. XXXX XXXX sent the check out on XXXX of XXXX made it to Makwa Finance on XXXX XXXX, I called to make sure they had got the check they told me that they had received the check that they were not going to process the check for up to 2-3 weeks. And they stated that they were going to still charge my card for {$190.00} until they processed my check. I went to my bank and put a stop payment on my funds and called XXXX XXXX  to put a stop payment on my check. I had to call XXXX XXXX  to get authorization for a cash advance for {$2200.00}, at the same time asked the representative to stay on the phone with me while I paid off the remaining balance On XXXX XXXX XXXX, I paid Makwa Finance {$1800.00} they sent me an email that my account was paid in full. but on XXXX  the XXXX they sent me an email stating that I owe them more than what I had paid. And they threatened to keep charging me interest and also reporting it to my creditors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
This problem consists of multiple issues. Venmo uses an inconsistent format for its amounts, displaying decimal point and cents in the lower right corner of the payment screen, but not in the payment entry area. Please keep in mind that this is usually accessed on a small screen that can be hard to read, especially for older, far-sighted individuals on-the-go who might not have their glasses available, thus making it easy to see that there is dollars and cents in the lower right, so it must be dollars and cents they are entering ; thus, if you enter XXXX, and see just XXXX on the screen with no XXXX following and no period, one would think that perhaps you just can't see the period as a tiny dot on a small phone screen when in reality, the XXXX means {$920.00} when properly formatted. Furthermore, Venmo has no features to allow and encourage customers to set alerts for XXXX amounts. Instead, they will send such a payment through with no way to edit it later, even if caught quickly. 

This was the case for me with a transaction I made on Sunday, XX/XX/2023 around XXXX when I intended to pay a local self-serve farm stand {$9.00} through Venmo. The farmer contacted me early the next morning to let me know there was a mistake and the transaction had gone through for {$920.00}, but he saw no way to edit it and asked if I could cancel it from my end. He said he was worried about the {$20.00} fee from Venmo for such a large amount. When I looked into editing or canceling the transaction, the Venmo site said that he would have to pay me {$920.00} back, so they would then be collecting not {$20.00}, but {$40.00} on this mistake, plus whatever their take would be for the {$9.00} it should've been. I found this to be a ridiculous price to pay to correct a mistake that was due to their poor, inconsistent interface and lack of standard features that other companies offer, so I called them. They refused to assist on the phone. I spoke to XXXX XXXX case # XXXX ). I threatened to close my account. They said fine, close it, so I did. They then froze the farmer 's account for days when he tried to call to correct it from his end, effectively punishing him for trying to do the right thing, and for not kowtowing to their outrageous fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
On XX/XX/2023 I was notified by XXXX that Navient reported my private student loans as 60 days late. I was in disbelief. I was never late on my payments. Actually Navient takes payment from me every month of the 3rd. I check my bank statement and sure enough the XXXX was removed. I never received any statement in the mail from Navient. I never received any invoices from Navient prior to this issue because I found out Navient was sending my information to my co-signers house. My father, who does not live with me or will not open my mail. When I called Navient even the supervisor filed a report for me stating I did infact make my payments monthly. When I called them back to ask what my status was because they never returned my call, they stated the reason why I was late was because the federal interest rates went up and making my payment higher. How is this possible when I am clearly on a payment plan and I was never notified of these changes needing to be made. They were the ones taking this out monthly for me out of my bank account. There was no follow up and no one wants to help me at this point. I have filed to dispute this with Navient at which they ensured me on a recorded line an ombudsman would contact me, and never did. I have also tried disputing these accounts with all 3 credit bureaus. I was in the process of buying my first home when they reported these frivolous findings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Fortiva Retail credit i already paid the credit and they closed my account and I tried to buy again and the company said my account is closed. After that they charging {$25.00} dollar annual fee. I called and they said my account is open. I have to pay {$25.00} but I don't have credit available. Now my account increased. {$82.00}. Why i have to pay if my account is unavailable. I need help because my account is going to be increased every month

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Collection Account {$170.00} Account # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX {$0.00} Opened XX/XX/XXXX Closed, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have been a victim of identity the '' and my information was used to open a credit card with Wells Fargo DILLARD department store. I noticed the crime because I got text messages from DILLARD to pay my credit card with balance of XXXX. I have never been inside of a DILLARD department store and I don't have a bank account with WellsFargo. I called Dillard to report the fraud, they are currently investigating the issue and suggested me to open this police report and put a freeze on my credit report with al 3 major credit unions. Here 's the info I got from my XXXX. 

Account name WF/DILLARD Account number XXXX Account type Credit card Responsibility ) Individual Date opened XX/XX/XXXX Status Open. {$130.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance ( i {$2.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$110.00} Credit limit P {$5.00} Highest balance i ) {$2200.00} I also notice that all credit unions have a fraudulent address that does not belong to me : 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 2023-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Automated Collection Services, Inc.
State: TN

Complaint narrative:
AUTOMATED COLLECTIONS XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Original creditor : XXXX XXXX This was placed on my credit report at a collection, I do NOT have a written agreement or account with this company. This is also considered medical. This needs to be removed from all credit bureaus IMMEDIATELY, pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation