vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I have been a vitctim of excessive idendity theft the past couple of years. Every 4-6 months the activity will start up and I will have appliations for either bank accounts, credit cards, or money service apps attempt to be opened with my personal information. I believe I was a victim of identity theft with this current company and they are not being helpful or acknowledging this matter. When I try to open an account with them, they say I owe a balance of back funds that need paid. I try to expain to them that my old email was hacked and alot of my accounts that were connected to that email were accessed and hacked as well. They continually give me automated responses and do not take any action to rectify this problem. I still have not been able to open a venmo account because of this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DataMax Corporation
State: NC

Complaint narrative:
XXXX XXXX XXXX has attempted to collect an incorrect bill total, after it was reduced by my medical insurance. I have requested a debt validation letter and itemized invoice on XXXX different occasions from them and the collections agency, DataMax, and have yet to receive anything. My bill total was reduced 20 %, from {$1000.00} to {$830.00}. The company has reported the amount owed as {$1000.00}, and now my credit has significantly dropped due to their accounting errors. Please note connection to complaint IDs XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2024-02-12 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: NJ

Complaint narrative:
Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: MO

Complaint narrative:
On ( XX/XX/2024 ), I sent an Identity theft letter to ( Equifax, and XXXX ), and despite more than 30 days passing, I have not received a response nor has ( Equifax, and XXXX ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that were mailed on ( XX/XX/2024 ) and an updated FTC identity theft report. According to FCRA, debt collectors must respond to disputes and requests from consumers within 30 days, yet ( Equifax, and XXXX ) have not made a single call or sent a letter addressing the disputes I've mailed. This blatant disregard for FCRA Section 611 ( A ) ( 1 ) could result in fines of up to {$1000.00} per violation. Failure to provide proof or verification within the required timeframe necessitates the removal of this account from the consumer 's report, as the lack of response indicates an inability to validate or verify the account, a violation of FDCPA Section 809 ( b ). Attached are the letters I sent along with my updated identity theft FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
XX/XX/XXXX -Tried to login to my comenity credit card with no luck. Been using saved password and phone # to login with no problems for years. Talked to dozens of Service reps and supervisors with no luck. Was consoled by supervisor XXXX and told not to worry about late fees or reporting delinquent to credit bureaus until fixed. Today I received my latest statement saying they are charging me late fees and reporting me to credit bureaus. I am not late. Was not late! XXXX from account payable threatened me on XX/XX/XXXX to pay {$110.00} or be charged late fees and reported to credit bureau. After arguing with her I paid {$100.00} on XX/XX/XXXX and owe {$14.00} on my due date XX/XX/XXXX. Those payments were made and are not in their system .I have screenshots of my XXXX XXXX  statement verifying my payments to Comenity. What phone # or XXXX account should I send them? Please help!!! XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-13 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: DE

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: NJ

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: VA

Complaint narrative:
I recently reviewed my credit report and saw fraudulent accounts reporting. Please remove them immediately.

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 2024-02-13 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: FL

Complaint narrative:
One of my 4 credit card accounts with Chase Bank was compromised, and despite 20 plus attempts over the last year to resolve the issue with Chase, including closing the account, unauthorized charges from XXXX have continued to occur. 
The transaction history clearly shows that charges from www.rokoko.com have been repeatedly credited back to my account IN EXCESS OF 20 TIMES OVER THE PAST YEAR! indicating recognition of these transactions as fraudulent. However, Chase has failed to prevent further occurrences, leading to a cycle of fraud that has not only greatly inconvenienced me but now has also damaged my financial standing. 
Chase 's inability to effectively block these unauthorized charges even after I closed the account 6 months ago! and after a year of calling their fraud department and its decision to report my account as past due, despite the circumstances being communicated and acknowledged by their fraud and collections departments, demonstrates a significant lapse in their responsibility to protect customer interests and accurately report credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: AZ

Complaint narrative:
This issue shows that I opened an account on XX/XX/2018 with XXXX XXXX XXXX XXXX and that I owe them {$7100.00} for something I know nothing about. I have sent numerous letters to both Absolute Resolutions who is the debt collector listed on my report and the credit bureaus, as well as XXXX XXXX XXXX XXXX I have not received anything other than an Invoice from Absolute Resolutions saying I owe {$7100.00}. I requested more information and instead of sending me the requested documents they actually updated my credit report to show as new debt and increased the amount. Lowering my score again. 

They have hit my credit report more than once for this alleged debt with no documents showing that I opened an account with them. I did not open an account with them I dont know why this is on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: TX

Complaint narrative:
My Fair Credit Reporting act consumer rights have been violated. On XX/XX/2024 I submitted letters to each Consumer Reporting agency requesting that both my name and my address be updated on my credit reports.

I also asked that the name I requested to be on my credit report be the only XXXX listed as it is my only name, and the only name I open accounts with. I also requested the address I sent to them be the only XXXX listed as it is my correct address and where I receive all of my mail. 

As of XX/XX/XXXX my rights have been violated in XXXX ways. I have not received a response from any of the credit reporting agencies. It has been over 30 days as it is now XX/XX/2024. I have also been violated, because none of my personal information has been update.

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 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My chase bank gives me big fees when my utility company charge me and it overdrafts my account, I called them to decline any such charges when my money is low. They said that they wont do it they have to make it as a bank loan, and I should call my utility company, but they dont wand a debit or credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I checked my checking account and I noticed that money was missing. I reported it to my bank as soon as I saw that the money was missing my bank told me that they can not refund me the funds. It is stolen money, and I am looking to reccoperate my funds as I was hacked.

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/2023 I submitted my dispute in regards to the following XXXX XXXX XXXX XXXXXXXX They failed to follow the FCRA LAWS Specifically XXXX. ) - [ ] Complete the investigation within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ).

2. ) - [ ] If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ) 3. ) - [ ] Promptly modify or delete the information, or block its reporting add statement such as customer has disputed the validity of this item Section 623 ( b ) ( 1 ) ( E ).

As well as the 15 usc 1681s-2 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

NO STATEMENT was added nor did they reply promptly in 30 days or update the item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I submitted refund requests in XX/XX/XXXX due to XXXX cards not working as advertised " XXXX anywhere XXXX is accepted ''. Cards failed at multiple normal locations such as grocery and XXXX. 

I called in and was told to send pictures of the cards to your email which I did in XXXX. 

It has now been over two months since you received my refunds requests for 4 cards. I received 1 check on XXXX for {$500.00} and 1 check on XX/XX/XXXX for {$500.00}. 

I am still owed {$1000.00} for these scammy cards. Please send the check immediately and quit trying to earn free interest by holding my funds. I should also receive the fees I paid on these cards since they didn't work as advertised and I had to buy replacement cards from a legitimate bank. 

My 4 card # s and 4 cases are : 1 ) XXXX - XXXX 2 ) XXXX - XXXX 3 ) XXXX - XXXX 4 ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Copies of cards were Submitted via email on XX/XX/XXXX to XXXX. As you're obviously extremly unorganized, If you lost them let me know and I can resend.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: UT

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting.

XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX & XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: NC

Complaint narrative:
I AM LIVING SO PLEASE DONT CLOSED OUT THIS COMPLAINT WITHOUT SENDING ME VERIFICATION AND A RESOULUTION. 

15 USC 1681 ( I ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

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 2024-02-13 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: NC

Complaint narrative:
I AM LIVING SO PLEASE DONT CLOSED OUT THIS COMPLAINT WITHOUT SENDING ME VERIFICATION AND A RESOULUTION. 

15 USC 1681 ( I ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with non-monetary relief