vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-24 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: EQUIFAX, 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 name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I was visiting my mother in Arkansas ( from XX/XX/XXXX - XX/XX/XXXX ) when I received an email from XXXX saying I had purchased tickets to the XXXX XXXX XXXX XXXX XXXX basketball game in XXXX on XX/XX/XXXX. I was still in Arkansas for that game, so I would not have purchased those tickets and immediately called Chase and disputed the claim. The claim was for {$570.00} Chase took care of it and I saw the charge drop off my account within a couple days. They canceled that credit card number and sent me a new one. 

In that time of waiting for a new card, another fraudulent charge was attempted on my XXXX account for the next XXXX XXXX XXXX XXXX XXXX basketball game in XXXX ( amount was {$870.00} ), but it was declined because the credit card number had been changed. I have both order numbers for both ticket purchases. I then looked futher into my account and noticed that my address had been changed to somewhere in XXXX XXXX. So the criminals had even changed my account address! This would end up not being enough proof for Chase. 

Then on XX/XX/XXXX, I noticed that the original XXXX purchase had re-appeared on my credit card account. I waited a few days to make sure it stayed on the account and it did, so I called Chase to inquire why this charge had returned. They said they had reviewed my dispute claim and decided that I had indeed made the purchase because it came from my credit card and my name and email address were the same. I told Chase that the criminals had attempted a second purchase but it had been declined due to Chase sending me a new card. They said I would need to provide proof from within my XXXX account. I immediately sent them screenshots of the fraudulent charges on my XXXX account, including the address change, even circling in red where the issues occurred. 

Two days later, so now XX/XX/XXXX, I received a letter from Chase saying they have concluded their review and have found the transaction valid. Case closed, apparently. 

To recap, I was not in the same state for a basketball game for which I purchased tickets. A second fraudulent basketball game ticket charge was attempted AFTER receiving a new credit card from Chase only for it to be declined, along with a fraudulent address change on the XXXX account, were all not enough evidence for Chase to believe I had not made these ticket purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has has five fraudulent inquiries on my credit file that needs to be removed, I did not check my credit for these inquiries to show up please remove these inquiries off my credit report they fraudulent I do have screen shots of those accounts XXXX has 7 inquiries on my report that are fraudulent I filed this CFPB to have them removed and the two XXXX XXXX XXXX XXXX accounts thats on my credit report also needs to be removed those accounts are fraudulent, I did not open those accounts, and I will send a ftc identity theft report please do yalls job and not ignore this ftc complaint it acts the same way as a police report, I do have screen shots of those accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Received a collection letter claiming to owe {$260.00} to XXXX XXXX. This is the second time this collection has been attempted. Letter is attached. 

The debt is not correct. I do not owe this money. When the first collection agency contacted me I called XXXX XXXX and verified the bill had been paid in full. XXXX assured me they would take care of the collection activity. 

They did not take care of the collection activity and I now find myself having to deal with another demand notice from a different collection agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I DON'T RECOGNIZE THESE INQUIRES & COLLECTION ACCTS ON MY CREDIT- I NEED THESE DELETED OR REMOVED FROM MY CREDIT REPORTS ASAP!!!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}

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 2023-06-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I DON'T RECOGNIZE THESE INQUIRES & COLLECTION ACCTS ON MY CREDIT- I NEED THESE DELETED OR REMOVED FROM MY CREDIT REPORTS ASAP!!!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I DON'T RECOGNIZE THESE INQUIRES & COLLECTION ACCTS ON MY CREDIT- I NEED THESE DELETED OR REMOVED FROM MY CREDIT REPORTS ASAP!!!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}

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 2023-06-24 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX - I spoke with a few agents up to manager level named XXXX, XXXX, and I was told that the error with my credit score can not be fixed, and that I could not escalate it to be investigated. It is automatically populate it, and there is no adjustment that can be made. 
In XX/XX/XXXX it is showing a decline in my credit report of almost XXXX points. I pay a monthly monitoring subscription however, there was no notification sent in the month of XXXX and looking into my history there was no explanation of why it drop drastically. 
Due to not receiving an alert during the month of XXXX, I did not see this change until recently, and I began to contact Equifax. 
I started out with looking over all items on my credit report and all items look sufficient with no excessive usage or inquiries and all on time. I also contacted other reporting agencies such as XXXX XXXX and XXXX credit reporting and my score runs between XXXX and XXXX unlike Equifax report in at XXXX, dropping from XXXX in XX/XX/XXXX. I also open other credit cards and applied for a vehicle loan all of which do not show this credit score in the XXXX, which I see on my equifax.com website. Still not understanding why credit score showing in equifax is so low considering my diligent and prestige credit usage and maintaining. 
I am reaching out to you, all and efforts of an investigation of why the credit score in XXXX drop drastically, because I am unable to receive any assistance, contacting and speaking with representatives of Equifax. I was told that they can not discuss my credit score with me, and that I should talk with a credit advisor, which is not within Equifax. And speaking with a credit advisor, they say no just calls as to why my credit score dropped XXXX points in XXXX. I need a valid explanation and a correction to my score. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Bank previously ran a promotional offer for a 1 % cash bonus if you funded new money into an Ally Bank savings account and kept it for a certain length of time. As an existing customer, I decided to take advantage of the offer, and I signed up for the promo and transferred $ XXXX in new money on XX/XX/XXXX. After reading the rules, I noticed the maximum I could get was a {$500.00} bonus on a $ XXXX deposit, so I withdrew $ XXXX from the account. According to the rules on the website ( https : //www.ally.com/content/dam/pdf/corporate/offercode/getpaid.pdf? XXXX ) as long as the " Net New Deposits '' were kept in the account till XXXX ( which they were ) I should receive {$500.00}. In fact, I made no other deposits or withdrawals with that savings account for 4 months so there would be no confusion. On XX/XX/XXXX I received a promo deposit of {$270.00}. This is not the correct amount and I'm not sure how they calculated it. I contacted Ally via phone shortly after to explain the error, but the rep didn't understand the rules and told me because I withdrew $ XXXX it reduced my bonus. Even if that were correct how did they calculate {$270.00}? I told her the promo website clearly states " Net New Deposits '', and my net new was $ XXXX but she dismissed my claim. I sent 4 additional messages to Ally via the website hoping to find someone that understood the rules and asked when I would receive the remaining balance due of {$230.00}. To date, the Ally Bank reps haven't fixed the error.

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XX/XX/XXXX account was opened I didnt do they used my person bank account to open i disputed all accounts with capital one and they just now closed it and sent money to my bank that was closed due to fraud activity told them its been well over 90 days XX/XX/XXXX now and they cant give me no information as the capital one credit card account was closed I have proof they sent it but now they say they cant use my new bank account I was promised 90 days Id see my money now 9 months still got nothing I need my {$250.00} and I need my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One Account # XXXX is a fraudulent account and has been reported multiple times to Capital One and XXXX telling them to delete it since it isnt mine. I keep getting canned responses claiming that this account does belong to me. However they refuse to provide such evidence. I have filed a police report, ftc affidavit and submitted proof of my identity. However they continue to claim there is no fraud. I dont know how I have to get it through their heads. That it couldnt have been me because I wasnt available and the person living at my house may have used my information. Again Capital One refuses to provide the documentation that they claim they have and I believe its because they really dont have the said documentation. I will upload my files to this complaint and go from there. This isnt fair that a company can claim they have done an investigation yet refuse to support it in anyway. ID, proof of address also attached. The only acceptable solution is to delete this account. Heck I have yet receive a 1099 either yet Capital One claims it has been charged off. I want to see the evidence that you have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
On XX/XX/XXXX TransUnion reported my XXXX credit increase of my account to XXXX dollars. Then on XX/XX/XXXX, they randomly lowered it back down to XXXX. The current reported balance is XXXX. 

I called and TransUnion claimed the bank reported it. Banks do not report changed twice a month. XXXX confirmed they reported XXXX. TransUnion is randomly making changes on credit reports without permission from consumers or creditors. Reporting inaccurate information is damaging to consumers and I want this fixed.

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2023-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO

Complaint narrative:
I got very sick with a XXXX XXXX and could no longer and then XXXX happened. Our funds were becoming very tight and our mortgage company offered a Forbearance, and said at the end of the Forbearance the amounts missed would go back into the loan and we would start our payments back up. Every time it was time for the Forbearance to end and payments to start up and I would ask about it, they continued to send me a loan modification packet and would continue my Forbearance. For the past year they have said that my Forbearance limit has been maxed, and thats completely fine but I have begged for my loan to be set back up on the payments as stated in the beginning but they have still continued sending a modification packet that says I dont qualify for a modification. Im not trying to get a modification Ive asked for a year for my payments to be set back up and an exit from the Forbearance as stated would happen. Now they are either Foreclosing XX/XX/XXXX, I have to pay a lump sum of {$18000.00}, or file bankruptcy to keep my home. Weve lived in our home for 20 years I cant lose my home. 
Our states attorney general is helping and she did get it reversed about 45 days ago and closed everything out and they started again. I just need our loan exited from the Forbearance so payments can resume back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I am struggling to make my payments due to being overwhelmed with finances. The company calls up to 10 times a day, harassing me at this point and I don't know what else to do..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit card or prepaid 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: NY

Complaint narrative:
I redeemed my credit cards rewards points towards XXXX XXXX XXXX XXXX card on XX/XX/. However, have never received the digital card, the only email I received was the rewards order confirmation. 
I called Chase three times during the month, got very nasty responses from the representative and the XXXX of the day. They all told me to wait for a response and is still an open investigation status after a whole month. The representative and the XXXX over the phone said theres no way for them to contact the department whos doing the investigation. They said they escalated it twice, but I still received no communication from Chase either through email or mail. 
The XXXX on the line was very rude and nasty and gave me an attitude. Seriously if the fault is from Chase and you are the representative, shouldnt you try to solve the problem instead giving customers an attitude?! This is very frustrating and unacceptable for chase. I have home renovation projects that are being delayed due to this issue. Chase is not actively taking actions to solve this problem, instead they push back and forth the problems between departments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Places where I have used my card since unlocked. 
XXXX  on XX/XX/2023. Amount. {$150.00} its on autopay, so any XXXX is me. 
XXXX on XX/XX/2023 amount {$180.00} Lastly. XXXX XXXX. XX/XX/2023 amount {$20.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX friend request. Accepted 2nd request on XX/XX/. Became personal friends after one month. She stated she worked as an XXXX XXXX in XXXX. Management stated she was needed in a war zone and will be transferred very soon. Told me she wanted to quite because her life was at risk and will be sending me a high valued package ( gold and medical equipment ) before her being transferred. Package was sent and held up by XXXX  Airport Authorities. Need to wire {$10000.00} to complete the delivery. Sent wire on XX/XX/. Courier sent another email stating the package was confiscated by the XXXX  Authorities and now want {$83000.00} or we will be reported to the FBI, XXXX  and the XXXX  Authorities for smuggling. Went to bank and they said, this is a scam and will not wire funds. Went home and check on some documents and agreed this is a scam.

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