vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2023, I lost my Chase debit card. I realized it was missing on XX/XX/2023, and immediately logged into my Chase account to review my transactions. During this review, I identified two unauthorized charges that had been made on my account : 1. XXXX on XX/XX/2023, for - {$14.00} 2. XXXX XXXX on XX/XX/2023, for - {$1300.00} I checked my XXXX  account, but neither of these charges appear in my transaction history, nor do I have an XXXX  account. I contacted XXXX support, and they confirmed that there were no charges matching these amounts on my XXXX account. I attempted to contact XXXX  for further clarification, but I was unable to reach their support team because an XXXX  account is required for customer assistance. 

Upon discovering these unauthorized charges, I promptly locked my debit card on XX/XX/XXXX to prevent any further transactions. I also filed a fraud claim with Chase and requested a new debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AIH Receivables Management Inc.
State: KS

Complaint narrative:
company had made calls and not idetified who they are other thank I talked to you last month. Thir dispute letter was returned XX/XX/XXXX and they had a deadline of XX/XX/XXXX. They have failed to provide informaition. I completed a follow up online request and have a confirmation email that it was recived

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I turned in my lease with XXXX XXXX  ( auto ) in late XXXX, early XXXX of 2023 and leased a new XXXX with XXXX XXXX. Upon turning in my lease there was a disposition fee I wasnt aware of, and the dealership where I returned the vehicle and got a new one did not take care of this fee. I was made aware of it via email and I took a settlement that was offered for this fee not realizing this would be reported to credit bureaus as a charge off over a fee I didnt even realize was something I needed to take care of. This fee was {$390.00} of which I paid {$230.00}. I would have paid it in full if I realized this would be reported negatively to credit bureaus as a charge off. This has completely ruined my credit taking it from above an XXXX to below a XXXX. I have called since XXXX of this year to get this resolved and still havent got anywhere. I have offered to pay the {$150.00} difference to get this removed from my credit report. They have told me that they can open the account back up and I can pay the difference for the fee ( {$150.00} ), but they wont stop reporting the charge off. Thats wrong and terrible business practices. I am so on top of my credit and Ive never even had a late payment. My credit and livelihood are being ruined over some fee that Ive never experienced before when leasing a vehicle and Ive had 3 leases so far. This is ridiculous and needs to be resolved.

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 2024-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
they never sent me the info I requested, the phone calls continued, they threatened a law suit now I rec 'd docs for a small claims suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I have documented all correspondence with your company. Please remove these fraudulent accounts and please correct and update the inaccurate information on my credit report, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-10-29 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: TX

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I have documented all correspondence with your company. Please remove these fraudulent accounts and please correct and update the inaccurate information on my credit report, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: MD

Complaint narrative:
I am a victim of identity theft. My information was used fraudulently, and now I see items on my report that I was never associated with. Following Experian 's instructions, I filed a report with the FTC and submitted it, but these fraudulent items are still on my 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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Greetings to Everyone. There's been two Fraudulent loans from XXXX XXXX on TransUnion report. I never applied or authorized such loans.I ' ve filed a Federal Trade Commission Identity Theft Report clearly stating the theft. As a victim of identity theft, transUnion failed to clear this falsified account and theft account that I have no connection to ever. Now, XXXX and XXXX has honored the Federal Trade Commission report thoroughly. TransUnion remains the only agency not comprehending the severity of this matter, which is effecting my entire family. TransUnion lack of responsible leadership in there fraud unit, lack understanding of victimized people of theft and lack understanding the laws of the FCRA governing credit reporting. Punitive and compensatory damages will be leveled against TransUnion for there severity of neglect for a victim of 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 non-monetary relief
Consumer complaint received 2024-10-29 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
All accounts with XXXX XXXX XXXX on my three credit reports are individually under {$500.00} and they are trying to lump them together to show a higher balance in collections to put it on my credit! They are all medical bills and some belong to my now adult child. According to the Experian promise they stated consumers would have one full year from placement in collections for all individual collection accounts for medical bills under {$500.00} or previously paid bills to be removed or worked with creditors before placement on credit. This showed up immediately on placement with XXXX I want this removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There are unauthorized accounts on my credit report that seem to have been added without my consent. Please block and remove these fraudulent entries.

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 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On Friday XX/XX/year> Truist Cash Reserve Department took XXXX out of my account which I did not have available ; therefore it made my account overdrawn. Id made several attempts to contact the Cash Reserve department but was prohibited by customer service agents of Truist. I informed them that my XXXX XXXX XXXX and that I had missed work because of the matter. I explained that I was willing to make payments to satisfy the balance. I just needed more time. I asked for Supervisors on the occasions I called and was hung up on after holding for over 30 minutes. On today I was finally able to speak with a Supervisor and given a number to reach a department other than customer service. I have been stressing that Im willing and able to pay the balance off in increments. I just needed some leniency. They have also charged overdraft fees in my account due to errors on the systems behalf. Truist needs to be investigated. There is no telling how many other consumers theyve done wrong!

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 2024-10-29 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to insure accuracy. Here is the item I am asking you to verify as accurate : 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 2024-10-29 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to insure accuracy. Here is the item I am asking you to verify as accurate : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
I am writing to formally complain against XXXXllied Collection Services, also known as XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( Phone : XXXX ). Their actions have escalated into harassment, causing severe emotional, mental, and financial hardship for me as a single mother. 

My efforts to secure stable employment in XXXX XXXX have been undermined by workplace discrimination, harassment, retaliatory layoffs, and driven jealousy from women, making it increasingly difficult to cover basic living expenses. Following a XXXX XXXX my settlement funds and savings were garnished by Allied Collection Services. This seizure occurred just as I was about to resume rent payments after receiving assistance from XXXX XXXX XXXX XXXX XXXX XXXX program, placing me at risk of another eviction. They garnished my wages just six days before rent is due, exacerbating my financial struggles. 

The garnishment occurred the day before XXXX XXXXXXXX, causing a delay until the following Monday, adding to my stress. This situation has severely impacted my ability to meet responsibilities and maintain my well-being. I am doing everything I can to provide for my child, but the situation has become unbearable. 

The head of their legal department has targeted me following an in-person verbal altercation during a visit to make biweekly payments. Despite my compliance with a payment plan of {$500.00} every two weeks, totaling {$4100.00} to prevent an eviction record, I recently discovered that {$4100.00} was garnished from my bank account without prior notice. My credit report shows a collection mark of a balance of {$13000.00}, including late fees, with no acknowledgment of my {$4100.00} in payments. I find this omission to be deceptive and unethical. 

I respectfully request that the State of Nevada investigate Allied Collection Services practices. I am seeking the return of my garnished funds as well as the {$4100.00} I have paid, the removal of the collection mark on my credit report, and the removal of this and any eviction-related records to put an end to an end to this harassment. Please let me know if you need further documentation. I can be reached at XXXX or XXXX. Thank you for your attention to this urgent matter.

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 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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:
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. 
XXXX XXXX ACCOUNT # XXXX, XXXX XXXX, XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are suppose to do this ( 5 ) Treatment of inaccurate of 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 the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: CA

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. THE BUREAUS and XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: CA

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. THE BUREAUS and XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2024-10-29 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: TN

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. 
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 
I looked at my Experian credit report on XXXXXXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are suppose to do this ( 5 ) Treatment of inaccurate of 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 the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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