vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 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: AR

Complaint narrative:
I am writing to bring to your attention the ongoing issue I am facing with fraudulent items on my credit file. This is my second attempt to address and rectify this matter, and unfortunately, I have not seen any progress in resolving the inaccuracies on my credit report. 

I initially reported unauthorized and fraudulent items on my credit report to your organization. Despite my efforts and the submission of the necessary documentation, the fraudulent entries persist. I had hoped that my concerns would be promptly addressed and the inaccuracies rectified to restore the integrity of my credit history. 

Regrettably, I find myself in the position of having to file a second complaint regarding the unresolved fraudulent items on my credit file. 
I have taken the following steps in my attempts to resolve this issue : Submitted a detailed dispute through your online dispute resolution system. 
Contacted your customer support hotline on [ date ] to follow up on the status of my dispute. 

Despite my persistent efforts, the fraudulent items remain on my credit report, posing a significant threat to my financial well-being and creditworthiness. This situation has caused me considerable stress and XXXX and I am deeply concerned about the potential long-term consequences if not addressed promptly. 

I kindly request an immediate and thorough investigation into the fraudulent items on my credit file and request their removal. I also seek clarification on the specific actions taken during the investigation process and the reasons for the continued presence of these inaccuracies. 

I understand the importance of accurate and up-to-date credit reporting for both consumers and creditors. As such, I trust that Credit Bureaus will take swift and decisive action to rectify this matter and restore the accuracy of my credit report. 

If this issue is not resolved satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-10 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: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
These Accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. code 1681b-Permissible purpose of a consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

I found out in XX/XX/2023 that I have a collection account is not mine. I did not authorized any agency or nothing to use my information. I did not sign any document or nothing to this company.

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 2024-01-10 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: FL

Complaint narrative:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2024-01-10 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: FL

Complaint narrative:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 explanation
Consumer complaint received 2024-01-10 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: TX

Complaint narrative:
Greetings! I am reiterating this complaint to follow up on my previous submission dated XX/XX/2023. Once again, I have re-attached my new FTC Report # XXXX. I anticipate receiving my monthly credit report within 15 days and expect deletion updates at that time. Kindly remove the reporting of the following items from my credit file, which are the consequences of the alleged identity theft : -- -- -- -- -- EXPERIAN : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 -- -- -- -- -- XXXX : XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FC HoldCo LLC
State: GA

Complaint narrative:
CEASE AND DESIST NOTICE Dear XXXX / XXXX XXXX XXXX. : Throughout the time frame of XX/XX/2023 to the present day, your company has repeatedly contacted me, claiming that I owe a debt under Flagship Credit Acceptance LLC account number XXXX. I do not believe that I still owe this debt after your receipt of my presentment on or around the date of XX/XX/2023, as well as another in XXXX of 2023, containing debt instruments as well as instructions for the setoff, settlement, and closure of this account. Further, I have repea requested that you validate the claim that this debt has not yet been settled, set off, and closed by affidavit under full commercial liability, but you have disregarded these repeated attempts to validate the debt. 
Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort as well as other private and/or commercial damages. You have violated HJR 192 PUBLIC LAW 73-10, as well as 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act and breached your duties as fiduciary trustee by harassing me regarding this debt.

I demand that you cease and desist of this activity as soon as possible within ten ( 10 ) days from your receipt of this Notice. This includes eliminating this account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all collections and communications to me. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. 
Kindly govern yourself accordingly.

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 2024-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XXXX XXXX I got a notification that there was a purchase of {$610.00} charged on my credit card for XXXX I immediately went into my wallet to check if I had my credit card and it was missing. So I locked my card after knowing my card was lost and knowing someone charged my credit card. And I called capital one costumer service and I had them close the card down and send me out a new card. I then explained to them that this purchase was not made by me and I never even purchased from seatgeek. So then they begin the fraud process and they tell me to send them documents of a written letter explaining what happened with my name signed I did so. And then a few days later they said it wasnt enough information to refund the money back to my credit card. Now they told me that there was already documents sent to them and I have never sent any information or documents to them other than the handwritten letter written by me with my named signed. So I am guessing someone called or emailed or something and sent my bank documents which I am confused about because how does anyone know my information to even call. Anyway, I tried to dispute this transaction since today. I have been going back and forth with them and explaining and trying to send them proof that this transaction was not made by me. They even sent me in my document center in the bank app a screenshot of the ticket confirmation email and the email that purchased it was not my email and I do not recognize that email so I know its not my family members either. I kid you not Ive called about 20 times in the past few months ever since I found out about this transaction and they have not resolved my issue and its ridiculous because they say they will always help but they did not help me at all. Finally this month I called again and their final response was they have never been through this situation where someone else calls and send documents that isnt the owner of the credit card and they told me they cant issue a refund and then they tell me to file a police report but their not sure if that will help. This is frustrating because like k said before I did not authorize this transaction and they almost make it seem like I am lying or something. And its been XXXX and a half months trying to solve this issue but it has not been solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: CA

Complaint narrative:
I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-01-10 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: CA

Complaint narrative:
I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: Kikoff Inc.
State: TX

Complaint narrative:
On XX/XX/23 I have asked the company KIKOFF LENDING LLC to remove a negative balance of XXXX dollars from my credit report. I have sent letters and complained about improper use of this information on my credit report. I would like this discrepancy to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Greetings! I am reiterating this complaint to follow up on my previous submission dated XX/XX/2023. Once again, I have re-attached my new FTC Report # XXXX. I anticipate receiving my monthly credit report within 15 days and expect deletion updates at that time. Kindly remove the reporting of the following items from my credit file, which are the consequences of the alleged identity theft : -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION 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 2024-01-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Greetings! I am reiterating this complaint to follow up on my previous submission dated XXXX  Once again, I have re-attached my new FTC Report # XXXX. I anticipate receiving my monthly credit report within 15 days and expect deletion updates at that time. Kindly remove the reporting of the following items from my credit file, which are the consequences of the alleged identity theft : -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER 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 explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my EXTREME FRUSTRATION, DISAPPOINTMENT, AND ANGER regarding the continued reporting of fraudulent accounts on my credit report. Despite repeated requests for removal and clear evidence of identity theft, your bureau has inexplicably ignored these removal requests, allowing these fraudulent entries to persist and tarnish my XXXX The fraudulent accounts on my credit report not only jeopardize my financial standing but also cast doubt on the integrity of your credit reporting processes. 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!! 
I have submitted numerous requests to remove these fraudulent accounts, providing documentation and evidence of the identity theft. Yet, these requests seem to have fallen on deaf ears, as the inaccurate and damaging information remains on my credit report. This negligence and disregard for my rights as a consumer are both unacceptable and infuriating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received an email around XX/XX/2023 with a promotion about my Chase United Explorer credit card saying i could receive XXXX bonus miles after spending {$6000.00} by XX/XX/2023. I clicked " accept offer '' in that email and began to spend. 
Within a couple weeks, I realized that I never received a confirmation email so I called Chase Customer services and asked a representative if I had been accepted into the program. I don't have the dates of most of my calls, but I know they took place between XXXX and XXXX of 2023. My first call was made early in the reward programs window and prior to my first {$500.00} being spent. The customer service rep confirmed that I was in the program : which is the reason I proceeded to spend money on that particular credit card. 
I called a few more times within the promotion window with the final two calls happening on XX/XX/XXXX and the XXXX. On both days, I was reassured that I not only was enrolled in the program, but I had also fulfilled my end of the bargain with the purchases made on those same days. 
After about a month, I noticed there were no additional rewards points or miles added to my chase account. I then contacted Chase customer service and was told that my points were on the way. I waited about another month and contacted them again. This time I was told that not only were my points on the way, but there were actually far more points coming than i originally believed. The rep said I was actually receiving XXXX points and gave me a date in XXXX that I would see those points in my account. 
I then called on XX/XX/XXXX, about a week after the date I was told I'd see the points. I was then told by a representative and subsequently her manager : that i never signed up for the program and I would not be receiving the points. 
I know the phone calls are recorded for " quality assurance '', and asked them to listen to my past calls. They said they'd review the situation and sent me a letter a month later saying the same thing : my points will not be honored because I was never signed up in the program. 
I genuinely feel scammed. They should have to honor the information i was given by numerous Chase representatives. If I wasn't signed up in the program, each Chase rep that i spoke to along those months wouldn't have reassured me that I was signed up. They each had to search through their system ( put me on hold ) and came back saying, " Yes, you are all signed up. " And then they'd tell me how much more money i needed to spend in order to hit goal. 
I never thought to have them email me any confirmation which is a decision i regret but thats because i knew they were recording our calls. I've lost hope in the situation but I atleast want as many people as possible to know. Chase is so wrong for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Im in the bank account so I was {$950.00} in a hole call Wells Fargo and try to talk to him and course. No one seems to speak English so you have to like repeat yourself 20 times but they like double quadruple charged me for making transfers thats what the whole I transferred XXXX for my checking to my savings, then back to my checking because I found something I wanted to buy online and I transferred that to XXXX XXXX because I dont typically like using my card online anymore. I transfer the XXXX XXXX  so my XXXX XXXX  and took it but thats another complaint a lot theyre doubling triple the charges of XXXX and I put me in the whole XXXX {$900.00}, I tried talking to him and he hangs up on me. That would be fraud. Could be fast robbery burglary so many things because as my money and I counted for and then they did all that charging it which is illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I filed a complaint against venmo and thy unfroze my account=XXXX XXXXXXXX at XXXX XXXX at XXXX i attempted to transfer my money and my account was immediately froze, I contacted venmo and they put in a ticket for support, at XXXX XXXX i received an email that my account was unfrozen, AGAIN I attempted to transfer my money and was FROZEN IMMEDIATELY, I just want to take my money off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC

Complaint narrative:
My XXXX has XXXX XXXX. Therefore is Insurance is responsible for the XXXX Balance not me. My XXXX  XXXX XXXX has XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX His XXXX member number is XXXX. I repeat XXXX. His XXXX insurance was already in place in the system before I took him to XXXX XXXX XXXX associated with XXXX XXXX XXXX back in XX/XX/2023. His Insurance coverage has been Active. Always Active. Therefore I'm not responsible for bill. His XXXX  XXXX is to COVER all of his medical EXPENSES. that's what it is there for!!! My name is XXXX the father. I demand this get resolved!

Company response to consumer: Closed with explanation