vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 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:
These accounts were charged off on the following date XXXX XXXX XXXX. This account is also being updated as a collection on my report as if the account is still open from XX/XX/XXXX - XX/XX/XXXX and reporting a balance of {$230.00} and {$490.00} when the account should be XXXX due to the account being a collection account. The account status is also stats that its open with EQUIFAX and XXXX but stats closed with XXXX which is also inaccurate. NONE of the information under my report matches. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX XXXX, EQUIFAX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX EQUIFAX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I was given a {$250.00} vanilla gift card for XXXX, XX/XX/XXXX I entered my card online for a subscription several days later the company notified me that when they attempted to process the payment the card declined. I had never used the card and it had always been in my possession. I called the number on the back of the card and was advised that there was no funds on the card and it was used at XXXX in California. I told them I had not been to California and I did not do this. I was told I needed to file a dispute and the information would be sent to me with instructions I received the request to provide copy of receipt and front and back copy of card. I contacted the person that gave me the card and was able to get a copy of the receipt all requested information was sent on XX/XX/XXXX, I made a follow up call to make sure everything was received and they confirmed that it was. I have made numerous calls since XX/XX/XXXX to check on status and I have been getting the runaway after being told the investigation was near the end call back in XXXX  days, XXXX  days, call back tomorrow. I was told on XX/XX/year> that the card will be activated in XXXX  days. Why would a fraudulent card with no funds be activated. Based on the companies response it appears they have no intentions of refunded me and are just stringing me along. I have requested a refund and have even spoken to a supervisor and still get the same runaround. Please assist in getting my money refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: NY

Complaint narrative:
To whom it may concern : Account Name : XXXX XXXX XXXX Account Number : XXXX I received a copy of my credit report. This account is being reported incorrectly. This collection account is reporting a past due balance of {$1800.00}. According to the FCRA, I have the right to an accurate credit report. This debt collector also has not provided me with proper debt validation for this alleged debt. Please remove this account immediately from my credit report. Please provide me a copy new credit report reflecting this account removed upon completion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Several Errors for An Alleged Debt are On My XXXX and Experian XXXX Reports. 

Date Opened can not be XX/XX/XXXX On My XXXX XXXX Report AND also be XX/XX/XXXX on My Experian Consumer Report. 

The Account Is Listed as A Charge Off Therefore there Can not be a Balance of {$790.00} AND a Past Due Amount of {$790.00} listed on XXXX XXXX XXXX and Experian Consumer Reports.

No Account Can Be Listed as Charged Off as Bad Debt AND Canceled by Grantor AND Closed Due to Inactivity AND Reprted As A Loss by the Credit Grantor AND Listed in the Legend as CO for Every Month from XX/XX/XXXX through XX/XX/XXXX. 

Violations of My Consumer Rights include : Repeating CO Every Month.

Not Reflecting a XXXX  Balance after Debt has Been Sold.

Not indicating If/When the Account was Sold. 
Errors Across Multiple Consumer Reports. 
Attempts to Collect a Debt after the State of Illinois Statute of Limitations for Debt Collection has passed.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: NY

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. 

Account num XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
CHASE BANK in particular the Chase Sapphire Credit Card department is involved in XXXX and misleading their clients ' practices. 
In XX/XX/year> my balance of my Chase Sapphire Credit Card was XXXX. Chase sent me an invite to 'minimize my credit card balance as offering me {$690.00} balance transfer as a cash to be deposit to my Chase checking account. I would pay {$34.00}. I agreed as balance transfer meant to take {$690.00} out of my current credit card balance {$4300.00}, in order to minimize the balance of my Chase Sapphire credit card. 
Chase XXXX transfer {$690.00} to my checking account on XX/XX/year>. HOWEVER, Chase ADDED {$690.00} PLUS + $ XXXX MY PREVIOUS CHASE SAPPHIRE CREDIT CARD BALANCE, but over-limited my credit card above my {$5000.00} limit at {$5000.00}. 
In other word, CHASE willfully defraud me/ misled me as this is NOT A BALANCE TRANSFER. BUT RATHER IT WAS COMPLETED AS A CASH ADVANCE TRANSACTION WITHOUT MY AGREEMENT FOR CASH ADVANCE. NOW CHASE WILL MAKE ME TO PAY NOT ONLY INTEREST ON THE NEW BALANCE {$5000.00}, BUT AFTER XXXX YEAR SHOULD I NOT RETURN THIS MONEY I HAVE TO PAY DOUBLE INTEREST ON {$690.00}. THIS IS ILLEGAL!!!! 

PER Consumer Financial Protection Bureau, " Balance transfer is : A balance transfer lets you move an outstanding balance from XXXX credit card to another, sometimes for a fee. The fee is usually a certain percentage of the amount you transfer or a fixed amount, whichever is more. 

THEREFORE, Chase ILLEGALLY, FRAUDULENTLY TOOK THE MONEY FROM MY CREDIT CARD remaining balance of my credit card, transferred the money as cash wrote this is a balance transfer transaction but NEVER PERFORMED A BALANCE TRANSFER. THIS IS A FRAUD. 

NOW, my balance is over the limit, my credit is affected due to Chase XXXX action while my balance on the Chase XXXX credit card should be XXXX + {$34.00} balance transferred fee Activity since XX/XX/year> Previous statement balance {$4300.00} Payments {$0.00} Purchases {$0.00} Balance transfers. CHASE XXXX XXXX XXXX XXXX ID : XXXX + {$690.00} Fees charged + {$34.00} Current balance {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I try to pay XXXX dollars on my account due to my situation and how I can pay them and they refused my money and said they wasnt taking it and i talk to XXXX the call rep XXXX XXXX XXXX and they both denied my payment so how could I get this settled if they not taking a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV Funding Collection Company has Placed an Account on My XXXX Consumer Report without providing Prior Notice Or Validation Information under 12 CFR 1006.34 ( b ) ( 5 ) Date Opened XX/XX/XXXX Balance {$710.00} Date Last Active XX/XX/XXXX The Statute of Limitations for Debt Collection in the State of Illinois has obviously expired. 
The Date Last Active is Obviously A Deceptive and Incorrect Status. 

I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) LVNV Funding Collection Company is violating my consumer rights by Using False, Misleading, Misrepresentation, and Deceptive Means.

LVNV Funding Collection Company has no authority to furnish any Account to a Consumer Reporting Agency Without providing any and all disclosures Required by law and are in clear violation according to 12 CFR 1006.34 ( d ) AND 15 USC 1681-S2 ( 7 ) ( A ) I Dispute Owning Any and All Alleged Debt to this Collection Company. 
I Revoke All Rights of this Collection Company from Communicating with Me via Mail, Email, Text or Telephone Calls. 

I am requesting Proof of Notification that LVNV Funding Collection Company Ever provided any notice, validation or method of validation prior to this Account being added to My Consumer Reports. 
I am requesting the Method of Validation for this Alleged Debt. 
I am requesting the Purchase Agreement between this Collection Company and the Original Creditor that this Alleged Debt was Purchased from. 
I am requesting Proof that this Collection Company is Licensed and Bonded to Legally Operate as A Collection Company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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 am the victim of identity theft. I have sent my information to the FTC and the credit bureaus and the bureaus have completely ignored me. They have not even processed my fraud alerts. They do not respond at all and it has been XXXX months. I did all the paperwork perfectly and attached my IDs. They don't respond to me. I need help.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My mortgage company sold my mortgage to another mortgage company. Their action lowered my credit score through Experian now saying due to the time I have had my mortgage. I have never made a late payment, I always pay more than the minimum amount due and I did not ask for a change in companies. Why should I be penalized in any way just so a mortgage company wants to make more money? My mortgage has been sold 4 times in less than 12 years. I would guess because I have a very low interest rate. 
I will never be able to change this abusive practice as I am XXXX XXXX XXXX and will probably die before they continue to sell my mortgage keeping my score lower. I have no other debt.

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 2024-03-22 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:
Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.

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 2024-03-22 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:
Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.

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 2024-03-22 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: CA

Complaint narrative:
I am trying to dispute the amount of {$5000.00} from XXXX, ( see attached file ). 

The item was sent back to the seller by USPS and it was recorded that the seller received the package after he promised he will refund our money from XXXX, but no refund was received from my account and I am disputing that from my credit card. 

See attached Tracking Postage from USPS and report that the item was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report and found alot of things on there that's not mines and fraudulent so on XX/XX/2024 I filed a police report and send that in to each credit bureau

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 2024-03-22 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: Paypal Holdings, Inc
State: NV

Complaint narrative:
Subject : Dispute over Signature conformation I am writing to you regarding a series of recent purchases made through PayPal that have unfortunately led to a dispute due to non-receipt of items. As the buyer in these transactions, I expected a safe and secure delivery process ; however, the items were reportedly left unattended at the delivery address and are now missing. 

The Tracking # s in question : - XXXX - XXXX - XXXX Upon realizing the items had not been received and had been left unsecured, I reviewed the PayPal Seller Protection Policy. It specifies that for items above a total payment amount of {$750.00} USD, the seller must provide " Signature Confirmation '' upon delivery to ensure safe handover and to be eligible for seller protection. 

It appears that a signature confirmation was NOT obtained for these deliveries. This omission is a critical failure to comply with the PayPal Seller Protection requirements that are designed to protect both the buyer and seller. 

As a buyer account XXXX, I relied upon these policies for safety and assurance when making high-value transactions. The absence of the signature confirmation has directly affected the integrity of the transaction and, as such, it is my understanding that the seller would not qualify for seller protection in this case. 

I am reaching out for this matter and to affirm that the transactions be ruled in my favor based on the guidelines established for seller protection. The seller 's failure to secure a signature upon delivery has resulted in a loss for me as the buyer, a circumstance that seller protection rules are in place to prevent. 

While I am sympathetic to the challenges faced in e-commerce logistics, adherence to the stipulated requirements is crucial, especially for high-value items. I trust that paypal will honor its policy in this case and provide a resolution that safeguards the trust and security promised to its users. 

Thank you for your support and assistance. 


Transaction dates : XX/XX/XXXX and XXXX Denied XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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:
The Account, : XXXX XXXX Is not mine, i have never lived at the address that is associated with this account, which is, XXXX XXXX XXXX XXXX, PA XXXX. Someone open this account in my name, unauthorized and without my knowledge, please remove this fraud account Attached is proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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 am the victim of identity theft. I have sent my information to the FTC and the credit bureaus and the bureaus have completely ignored me. They have not even processed my fraud alerts. They do not respond at all and it has been XXXX  months. I did all the paperwork perfectly and attached my IDs. They don't respond to me. I need help.

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 2024-03-22 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: TX

Complaint narrative:
I am the victim of identity theft. I have sent my information to the FTC and the credit bureaus and the bureaus have completely ignored me. They have not even processed my fraud alerts. They do not respond at all and it has been XXXX  months. I did all the paperwork perfectly and attached my IDs. They don't respond to me. I need help.

Company response to consumer: Closed with non-monetary relief