vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XX/XX/2022, I pulled my Credit Report and I noticed that inaccurate information was reported by LVNV Funding, LLC. I had no prior knowledge of this alleged debt and I have never given LVNV Funding, LLC and other companies who are associated with them such as Resurgent Acquisition and XXXX XXXX XXXX XXXX my personal and private information. I have a right to privacy and my privacy has been breached pursuant 15 USC 1692c ( b ). I have never been in contact with LVNN Funding, LLC. No information was validated with me as the consumer pursuant to 15 USC 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ( 5 ). LVNV Funding, LLC is a third-party debt collector. LVNV Funding, LLC has furnished information on my consumer report without my knowledge and permission. I have sent LVNV Funding, LLC and all associated parties such as Resurgent Acquisition, LLC and XXXX XXXX XXXX a letter has been mailed and delivered Reference ID : XXXX TRACKING ID : XXXX, XXXX, XXXX, XXXX. All documents have been mailed, delivered, received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I had charges I did not make from a place I have no idea who or what they are in the amounts of XXXX and XXXX. As soon as I noticed the charges I called and reported the charges as fraud. The charges were made on XX/XX/XXXX. I was sent a new card. The charges disappeared. Then I noticed several weeks later that the charges were back, so I reported them again as fraud. The charges again disappeared. On XX/XX/XXXX I received a letter dated XX/XX/XXXX stating the the charges were authorized and that because I was in possession of the card at the time the charges were made that they were not fraud. That was the only reason given. Obviously, it is XXXX not XXXX and there are ways for your card to be compromised other than losing it. On XX/XX/XXXX, I again called to dispute the charges and was told that I must resubmit my claim and reopen the file, which I had them do. Now the charges are back on my credit card account and I am having to wait XXXX days for resolution on these charges that are clearly fraud.

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 2022-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have submitted on many occassions ( XXXX, XXXX, XXXX, ) for XXXX XXXX to provide me with a physical copy of my contract with them and the original creditor Comenity Bank, showing that the account is indeed my account. I have only received the name, an amount and a date they opened the account. That is not a validation or itemization of the account. with the numerous amounts of information breaches. this is unacceptable. I did not open this account, and XXXX XXXX has not submitted any evidence of the account belonging to me This is the second account that XXXX credit has attempted to say I own. I fought the last one in court, and it was dismissed with prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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 — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
I have sent 6 certified letters to the company and the credit bureaus stating that this card had fraudulent purchases. I submitted a police report, affidavit of identity theft, and identification. They have verified the information as accurate each time which is in violation of FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CAPITAL ONE BANK USA N in violation of FDCPA and FCRA for the following : 1. Failure to respond within 30 days of receiving a dispute letter ; 2. Failure to report the account in dispute with the three major credit bureaus following the receipt of the dispute letter ; 3. Verification of the debt with the three major credit bureaus following receipt of the dispute letter and prior to validation or resolution of the dispute with me. Per federal law, creditors are required to respond within 30 days to a dispute. Per federal law, creditors are not allowed to verify an alleged debt with a third party prior to validation or resolution of the dispute with the consumer/disputing party. Finally, per federal law, if an account is under dispute or investigation, the creditor is required to document such status on the account with each of the major credit reporting agencies. 



TITLE 15 CHAPTER 41 FDCPA STATES ATTORNEYS ARE FRAUDS 15 USC 1692a ( 3 ) THE TERM NATURAL PERSON 15 USC 1692e- FALSE AND MISLEADING REPRESENTATIONS 15 USC 1692c ( d ) YOU ARE THE SOLE PERSON IN CHARGE 15 usc 1692k MONETARY VALUE 18 USC 8 TELLS US ALL OBLIGATIONS ARE FOR THE UNITED STATES NOT THE NATURAL PERSON.

28 USC 3002 ( 15 ) TELLS US THE UNITED STATES IS FEDERAL CORPORATION UNDER JUDICIARY LAWS An affidavit unrebutted stands as Truth. 

Affidavit uncontested unrequited unanswered ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ) ; Cert XXXX Denied, XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) An Affidavit uncontested unrebutted unanswered, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, clearly states at point # XXXX that " uncontested allegations in affidavit must be accepted as true ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This account was used fraudulently. I sent a police report and affidavit of identity theft five ( 5 ) times to the credit bureaus and XXXX XXXX, they have yet to remove the information or notate it as " lost or stolen. '' The account is showing on XXXX and Equifax as a charge off which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account was used fraudulently. I sent a police report and affidavit of identity theft five ( 5 ) times to the credit bureaus and XXXX XXXX, they have yet to remove the information or notate it as " lost or stolen. '' The account is showing on Experian and XXXX as a charge off which is incorrect.

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 2022-01-20 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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
An old out of statute of limitations debt is reporting inaccurately by this bank. The bank ( Comenity ) sold the debt for pennies on the dollar to another debt buyer ( XXXX  ) XXXX years ago. However, both XXXX and Commenity are reporting a different amount of the actual debt since than the last bill was sent XX/XX/2018 and then charged off in XX/XX/2018 ( see documentation ). 

Last amount before chargeoff on the bill - XX/XX/2018 : XXXX Charged off amount reporting by Comenity and XXXX : XXXX The documentation was provided to me by XXXX, however, even so still they are reporting inaccurate information in violation. Comenity, the original creditor, is also reporting different charge off dates last date of payment date on XXXX XXXX : XX/XX/2018 last payment on XXXX : XXXX last payment on XXXX  : no data the reason for this is possibly because Comenity never applied a payment I made of {$150.00} in XX/XX/2018 to bring the account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have a problem with my closed Chase account which I closed on XX/XX/2021. 
Prior to closing the account I put a deposit for an XXXX in the amount of {$2100.00}. 
On XX/XX/2021, the owner from XXXX issued a refund to my closed account. 
Chase claimed they purged my account and they can't find it. 
Now I'm unable to get my refund due to me I have all the information from XXXX that the refund was accepted by Chase for the closed account including the XXXX number. 

I've contacted Chase Correspondent Department via fax on XX/XX/2021 and via mail on XX/XX/2021. I've yet to received any information from Chase regarding a refund for my closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I called Navy FED at XXXX on XX/XX/XXXX to inform them of unauthorized inquiry on my consumer report., they didn't fulfill my demands to delete the inquiry. I sent to letters certified mail to XXXX ( Tracking ID : XXXX ), XXXX ( ( Tracking ID XXXX ), AND XXXX ( Tracking ID : XXXX ) to inform them of my privacy being infringed upon. The big 3 consumer reporting agencies would be held civilly liable as well. There are some inaccuracies being reported on my consumer file and all companies involved have been put on notice by me. 

By obtaining my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, NAVY FED is also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I have not initiated any transaction with NAVY FCU ( Finance ). Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) NAVY FCU ( Finance ) for review or Collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXXXXXX 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 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited my EDD California state unemployment check in my Chase checking account. It was then brought to my attention it will be placed on hold for 12 calendar days from my deposit date. My account balance have never been overdrawn and I have never bounced a check. There is absolutely no reason to hold my check for 12 calendar days. This is money I am legally entitled to during a severe pandemic. I need access to my funds that belong to me. If I had known Chase would place an unusually and unnecessarily long hold on my legitimate state check, I would have taken my business elsewhere. 

It gets worse. I was instructed by a customer service agent to call the check hold department ; option 1 to request the hold be removed sooner. I called the telephone number ( XXXX ) XXXX and was on hold for 3 hours and 20 minutes, and still never got to an agent. This is unfair business practices. If this matter is not resolved promptly, I plan on filing a formal complaint with the FTC, FDIC, my state attorney general and office of the Comptroller of currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
An old out of statute of limitations debt is reporting inaccurately by this bank. The bank XXXX XXXX  ) sold the debt for pennies on the dollar to another debt buyer ( XXXX  ) four years ago. However, both XXXX and XXXX are reporting a different amount of the actual debt since than the last bill was sent XX/XX/2018 and then charged off in XX/XX/2018 ( see documentation ). 

Last amount before chargeoff on the bill - XX/XX/2018 : XXXX Charged off amount reporting by XXXX and XXXX : XXXX The documentation was provided to me by XXXX, however, even so still they are reporting inaccurate information in violation. XXXX, the original creditor, is also reporting different charge off dates last date of payment date on XXXX XXXX : XX/XX/2018 last payment on XXXX : XXXX last payment on experian : no data the reason for this is possibly because XXXX never applied a payment I made of {$150.00} in XX/XX/2018 to bring the account current.

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 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
I was informed of a collection on my credit report. The collection is not mine. I am not sure where this is coming from. I have reach out to the credit Bureaus and they say I need to file complaint with you. I have reached out to collection agency and asked for proof what they are claiming is mine but, they were not able to provide supporting documents. They stated that I need to contact the credit bureau to get this removed. This is fraud and I need this disputed and removed please. This is affecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2022, I received scam calls asking me to transfer money for the amount of {$950.00} and {$790.00} via XXXX Chase quick pay. Right after I transferred the money, I called the Chase bank immediately trying to stop the payment or recover the money. I was placed on the hold waiting for XXXX hour before talking to a real person. Then she told me I should talk to another online transaction department. Then waited another hour, they told me they were not able to reverse the transaction. Asked to to contact XXXX. XXXX couldn't help either. I wish the bank should have more loss prevention ability or have a track to get money back due to scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I purchase from XXXXXXXX XXXX a order XXXX for GooseCreek Candles with my XXXX XXXX XXXX Credit Card for {$140.00}. 

I cancelled the order in XXXX as I never received them before XXXX. XXXX XXXX never got back to my emails either until now. Synchrony Bank ( credit card ) has not refund me any money back on my card, or XXXX XXXX gift card. 
I have called and emailed several times. 
XXXX XXXX and Synchrony Bank and XXXX XXXX is doing nothing and says they will look into the matter and never does. 
I really want a refund back for XXXX  I did not receive.

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 2022-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXO XXXX XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXXL ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  A ) XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX XXXX XXXX ( Original 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 2022-01-20 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation