vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am a XXXX XXXX XXXX 100 % XXXX Veteran On XX/XX/year> I was called by Chase Card Company and informed that my credit card has been used in a fraudulent manner. I was then transferred to their fraud department and was asked to assist them and their fraud department in an effort to try to catch the people that has misused my Credit Cards. ( XXXX ) I now believe that it was a scam by XXXX or more people who identified themselves as Chase and XXXX fraud teams. 

I was given XXXX  XXXX numbers and names of all the people that I was talking to as well as phone numbers to reach them on. 

If have a {$10000.00} charge on my credit card that is under dispute at the present time. 

Chase says that it was not Chase that called me. I spoke to several different people that identified themselves as employees of Chase and XXXX and had all of my Credit Card information, as well as all of the current charges that were on my account prior to the Fraudulent transaction that is in Question. I was totally 100 % convinced that I was speaking to Chase and XXXX. 

I have filled a Fraud Report with my local Police Department and have a record of that report. 

Those charges are still under dispute with Chase, but I feel that Chase should be doing more to help me understand how this fraud was done and to get the information necessary to make an arrest or bring charges against these people to stop this type of fraud from ever happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I noticed Navy Federal will hold off on removing the money from My account which causes multiple overdraft fees.

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 2024-12-20 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:
" 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 Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) 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 2024-12-20 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Trust agreement was entered between Ally and myself. This company committed security fraud by trading this note in questing and not providing me the books so I properly balances the books with the United States Treasury to receive my credits bask from this trust agreement. Per the attached letter concerning UNITED STATES business entities I.E ALLY BANK. who commercially-operates on the United States Public markets and excepts and/ or exchange in the United States currency while providing good and or services to U.S. customers/consumers in everyday commerce. Your business entity is federally-bound to UNITED STATES AND U.S. public debt obligations. like this vehicles contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENTAGON FEDERAL CREDIT UNION
State: NE

Complaint narrative:
We recieved a check from our insurer for hail damage for approximately {$130000.00}. The check was listed our mortgage company ( Penfed ) as an additional endorsee. The damage impacted the primary residence, a pool, a detached garage and a metal outbuilding. We determined the pool and metal outbuilding did not need to have the repairs completed as they were fine in their current state. We communicated this via letter to the mortgage company indicating that we would endorse the check over to them if they agreed to us not repairing those XXXX items and if they agreed to immediately release he funds ( approx {$65000.00} ) for those XXXX items to us. We informed them if they did not agree then we would simply pay off the remainder of our mortgage and then have the insurance company issue the checks to us without their endorsement. They approved the letter and communicated that they had done so. 

We then relied on that promise and endorsed the check and sent to them. They are in possession of the funds. When I called to check on the status of the check I was told that they would not be paying out the $ XXXX as promised and instead would just be following their regular process of releasing a percent of the total as repairs are completed. I informed them that is not what was agreed to and we had relied on their promises. 

I have called back multiple times and spoken to multiple individuals who appear to be low level call center employees. I continue to be told there is no supervisor or manager available, I continue to be promised to receive a call back ( yet never do ), and now Im told that it is in corporate but there is no one in corporate I can speak to.

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 2024-12-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
IC systems is trying to collect on a debt that was a result of identity theft. Back in XXXX of this year XXXX services tried to collect on this debt and I had it removed from my credit report. I do not or have I ever had a XXXX mobility account nor have I ever lived in XXXX XXXX.I want this removed from my credit reports immediately. Apparently IC systems bought the debt from XXXX  services and is trying to collect on it. If they want me to get a lawyer and sue them no problem.

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 2024-12-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
XX/XX/year>, I ordered a phone with XXXX. 

I didnt sign for the phone and postage was left saying I missed a delivery. 

The next day the phone was left. 

I returned the phone VIA XXXX the next day. I never used, open or activated the phone. 


XXXX billed me. I went to the store and clarified the issue. They said they fixed it. 

Months later I get credit notice saying I owe {$490.00}. I dispute it. It gets erased. 

Now every six months it reappears under a different debt collector state from Credit Resource Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Account with XXXX XXXX XXXX was not authorized by me was placed on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
This company has repeatedly placed things on and off my credit every XXXX to XXXX months and keep damaging my credit. Claiming I owe a debt I'm not even aware if. Is there any way to get this company to quit harassing me. As well as damaging my credit repeatedly.

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 2024-12-20 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: UT

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX THEY ADDED A LATE PAYMENT ON MY ACCOUNT THEN REMOVED IT THEN PUT IT BACK ON THERE AFTER I ASKED THEM TO DELETE THE ALLEGED LATE PAYMENT. I HAVE PROOF THAT IT WAS REMOVED BECAUSE MY SCORE WENT US XXXX POINTS THEN 5 DAYS LATER WITHOUT NOTICE THEY REINSERTED THE LATE PAYMENT WITHOUT GIVING ME A NOTICE. 


I am writing to formally dispute the reinsertion of a negative debt item on my credit report that had previously been removed. This action has not only negatively impacted my credit score but has also been executed without proper notification, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
According to the FCRA, if any information is reinserted in a consumer 's credit report, the credit reporting agency ( CRA ) must notify the consumer in writing within five business days. This notification must include the date of reinsertion, the nature of the information reinserted, and a statement that the CRA will provide the consumer with a free credit report upon request. I have not received any such notification, which is a clear violation of my rights under the FCRA. 

Prior to the reinsertion of this negative debt, there was no evidence provided to me that verified the accuracy of this debt. Under FCRA Section 611 ( a ) ( 6 ) ( A ) ( i ), any item that has been removed after a dispute and is later reinserted must be accompanied by a certification of accuracy from the information furnisher. I request that you provide me with this certification, as my rights have been infringed upon due to its absence. In accordance with FCRA Section 611 ( a ) ( 7 ), I am entitled to request the method of verification for the disputed item. Given that this debt has been reinserted without my knowledge or any prior notification, I hereby request a detailed description of how the debt was verified, including the name, address, and phone number of each person who confirmed the accuracy of this debt.

1. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX I WAS NEVER LATE ON THIS ACCOUNT AND THIS ALLEGED LATE PAYMENT WAS DELETED AND REINSERTED WITHOUT PROPER NOTIFICATION I DEMAND THEY REMOVE THIS ALLEDGED LATE PAYMENT IMMEDIATLEY FROM MY CONSUMER REPORT I HAVE PROOF WITH MY SCORE BEING AT A XXXX AFTER THE REMOVED THE LATE PAYMENT THE FIRST TIME. I HAVE NEW EVIDENCE AND I DEMAND BOTH COMPAINES TO REMOVE THIS LATE PAYMENT FROM MY CREDIT REPORT.

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 2024-12-20 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that i did not authorized or signed a contract for must be removed off my credit report in 4 days. 

These fraudulent accounts are not only damaging my credit but also causing my significant stress and anxiety. I have no connection to these to these account accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
The following company : SOUTHWEST CREDIT SYSTEMS, XXXX XXXX XXXX XXXX XXXX reported to my credit a very old collection item and changed the date of first delinquency. They are doing this re-aging to appear to have a valid claim. They will not respond to my request to validate the account. The account was with XXXX and is nearly XXXX years old. They re-aged the account and it shows the last activity on XX/XX/year>. It appears as a new collection and has dropped my credit score by XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal 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 non-monetary relief
Consumer complaint received 2024-12-20 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: NC

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal 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 2024-12-20 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: IN

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Transform Credit Inc.
State: FL

Complaint narrative:
Someone is applying for credit loans in using my information

Company response to consumer: Closed with explanation