vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am disputing the account referenced above currently appearing on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor of this account.

Furthermore, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt and how this amount was calculated. Please note that this is solely a request for validation of the AMOUNT of the alleged debt, as mandated by 15 USC 1692g ( a ) ( 1 ). 

Below are the details of the account in question : Account Number : XXXX High Balance : {$2600.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : XXXX XXXX XXXX XXXX XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Canceled by credit grantor Original Creditor : Not available Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : Not applicable Past Due Amount : {$1100.00} Account Type : Charge account Payment Frequency : Not applicable Credit Limit : {$1500.00} I request that you provide the following information : The name of the creditor associated with this account.

The amount of the alleged debt.

A detailed breakdown of how the amount of this alleged debt was calculated.

Please be advised that failure to comply with these requests may result in further action to protect my rights under the FDCPA and the Fair Credit Reporting Act. 

I expect a response within 30 days from the receipt of this letter, as required by law. Your cooperation in this matter is appreciated. 

Thank you for your prompt attention to this dispute.

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 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I contacted chase bank via their number XX/XX/24 about transaction that was made on XXXX account via cyber attack/malware how ever hackers do things these days Which was five places. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. the second i longed into my account and saw the transactions. From what i saw they moved the money from my savings into my " secure banking account '' I called XXXX  they did the claim etc i changed all my passwords etc even baught a XXXX  thing for my pc like the lady told me to. Ok cool thought it was XXXX XXXX  be resolved. XXXX  funds was back. then XXXX  they was gone again so i went to the physical bank and talk with the lady which they put her through the same process they did me asking questions etc. ok thought i was good again. Then the XXXX XXXX XXXX  XX/XX/24 i went to have my account unfrozen all that the couldn't unfreeze it so i gave up then later that night i called chase again to get the account unfrozen and they 1 woman finally got it unfrozen. So here i am XXXX  XXXX calls me via her office number XXXX XXXX XXXX ext XXXX i answer thinking she was gon na ask me if i got everything worked out which she did i said yes. next thing i get the XXXX thrown at me that my claim was denied i asked why she said i have to call the claims office upset i didnt know what to do completely clueless on how this whole thing works so i get brushed of we hang up i called the claims office they tell me the transactions match my ip address and im sitting here like i just told u i think my computer got hacked idk how but it did that i didn't make this transaction. these place are all on the west coast of the united states Ohio or Idaho Arizona places like that I live in XXXX XXXX on top of this i never delt with any of these places. I dont even have doctor XXXX XXXX XXXX XXXX XXXX XXXX i dont know what the transport thing is or the other i dont deal with these companies. i dont even have XXXX  i live in a XXXX. All in all the end of the conversation she said i need to call the XXXX office me confuse like thats who called me and told me to call yall so im just getting the run around meanwhile yall about to take of XXXX $ out of my account for something i didn't even do. I feel like they didn't bother to investigate deeper and actually call these institutions. Like what do we have police or the fbi for?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: GA

Complaint narrative:
I have been denied credit based on unverified public records, I reviewed my credit report and noticed that US Bankruptcy Court, District Court of Maryland has a public record on my report. I have requested the XXXX XXXX and Transunion to provide how the information was verified. The US bankruptcy Court District Court of Maryland can not provide the procedures in which they verified this record with the credit bureaus. 
With this information not verified, I'm requesting it be removed from my credit report immediately. 
XXXX, XXXX nor Transunion can not verify how information was obtained.

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 2024-04-24 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: GA

Complaint narrative:
I have been denied credit based on unverified public records, I reviewed my credit report and noticed that US Bankruptcy Court, District Court of Maryland has a public record on my report. I have requested the Experian XXXX and XXXX to provide how the information was verified. The US bankruptcy Court District Court of Maryland can not provide the procedures in which they verified this record with the credit bureaus. 
With this information not verified, I'm requesting it be removed from my credit report immediately. 
XXXX, Experian nor XXXX can not verify how information was obtained.

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 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am disputing the account referenced above currently appearing on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor of this account.

Furthermore, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt and how this amount was calculated. Please note that this is solely a request for validation of the AMOUNT of the alleged debt, as mandated by 15 USC 1692g ( a ) ( 1 ). 

Below are the details of the account in question : Account Number : XXXX High Balance : {$2600.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : XXXX XXXX XXXX XXXX XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Canceled by credit grantor Original Creditor : Not available Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : Not applicable Past Due Amount : {$1100.00} Account Type : Charge account Payment Frequency : Not applicable Credit Limit : {$1500.00} I request that you provide the following information : The name of the creditor associated with this account. 
The amount of the alleged debt. 
A detailed breakdown of how the amount of this alleged debt was calculated. 
Please be advised that failure to comply with these requests may result in further action to protect my rights under the FDCPA and the Fair Credit Reporting Act. 

I expect a response within 30 days from the receipt of this letter, as required by law. Your cooperation in this matter is appreciated. 

Thank you for your prompt attention to this dispute.

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 2024-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.

Complaint narrative:
It is a medical bill that was not my responsibility to pay, my company I work for had to pay it and didn't. the account is from AARRGON AGENCY INC balance of {$38000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX This is another account that my company had to pay along with the aforementioned. 
XXXX XXXX balance of {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2024-04-24 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: PA

Complaint narrative:
Hi, I am reaching out regarding the following information I listed from reviewing my credit report. The accounts listed below need to be removed. I am a victim of Identity Theft. I do not recognize any of the charges or listed accounts. I reported the theft of my identity to The Federal Trade Commission, and I do have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I am requesting the removal of the items listed on this letter based off what I reviewed in my credit report because the information is incorrect and unrecognizable. Please advise. I do appreciate the help of your team in advance. Best regards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: PA

Complaint narrative:
Hi, I am reaching out regarding the following information I listed from reviewing my credit report. The accounts listed below need to be removed. I am a victim of Identity Theft. I do not recognize any of the charges or listed accounts. I reported the theft of my identity to The Federal Trade Commission, and I do have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I am requesting the removal of the items listed on this letter based off what I reviewed in my credit report because the information is incorrect and unrecognizable. Please advise. I do appreciate the help of your team in advance. Best regards.

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 2024-04-24 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:
Subject : Formal Request to Cease XXXX and Remove Unauthorized Transactions from Credit Report Dear [ XXXX, TransUnion, XXXX I hope this message finds you well. My name is XXXX XXXX, and I am writing to address a pressing matter regarding unauthorized transactions that have been added to my credit report without prior notification or authorization. 
Also reading the itle 18 of the United States Code ( USC ), Section 241, is a federal statute that addresses conspiracies to deprive individuals of their constitutional rights under the color of law. In simpler terms, it makes it a federal offense for two or more persons to conspire to injure, oppress, threaten, or intimidate any person in the free exercise or enjoyment of any right or privilege secured to them by the Constitution or laws of the United States. 

Here 's a breakdown of the key points of USC Title 18, Section 241 : Upon reviewing my recent credit report, I was alarmed to discover that transactions from [ Specify the Transactions ] have been included without my consent or acknowledgment. This unauthorized activity not only violates consumer protection laws but also has a detrimental impact on my creditworthiness and financial stability. 

Under consumer law, it is imperative to adhere to regulations that safeguard individuals from unwarranted XXXX and unjust collection attempts. The inclusion of these unauthorized transactions constitutes a violation of my rights as a consumer, as there was no permissible purpose or engagement established for such actions. 

Furthermore, I must emphasize the adverse effects this unauthorized reporting has had on my credit approval process. The presence of these inaccuracies, specifically the charged-off accounts from [ XXXX, XXXX XXXX XXXX XXXX XXXX undermines my ability to obtain fair credit terms and opportunities. 

In light of these circumstances, I kindly request the following actions : Immediate removal of the unauthorized transactions associated with my account from all credit reporting agencies. 
Cease all collection attempts and communication regarding the disputed transactions. 
Provide written confirmation of the removal of said transactions and cessation of collection efforts. 
I urge you to address this matter with the utmost urgency and diligence to rectify the erroneous reporting and alleviate the undue stress and inconvenience it has caused. 

Please acknowledge receipt of this letter and provide a timeline for resolution of this matter. Your cooperation and prompt attention to this issue are greatly appreciated. 


Thank you for your understanding and cooperation. 

Sincerely, 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 2024-04-25 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: TN

Complaint narrative:
I recently checked my credit report, noticed that I had on authorized inquiry on my credit port pre-remove they hurting my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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 want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-24 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: DC

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 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 2024-04-24 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: DC

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 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