vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX has been providing, submitting, and disclosing incorrect/inaccurate info : for sometimes now from, XXXX XXXX XXXXXXXX, up until presently ( XXXX )! What's differently now is this : I had recently opened a credit card acct, with XXXX XXXX! That decision alone didn't set, so well with XXXX, and more certainly not with JPMCB-CARD SERVICES neither! So therefore they ongoing dysfunction, and simply perjury has increased big time! All this is playing out, under their third-party vendor platform XXXX XXXX XXXX XXXX XXXXXXXX XXXX tells, and authorizes XXXX XXXX to do, say, show, and displays! Then you best to believe it ; they wasted no time, doing just that without question! As a result of JPMCB, and XXXX XXXX connections/partnership in some capacity! It has caused the following : I had to close my acct, with them prematurely, and voluntarily, and XXXX on the behalf of JPMCB-CARD SERVICES had conspired, to caused unnecessary discrepancies, Inaccuracies, and confusion to my credit report/score!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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:
Good morning dear in XXXX XXXXXXXX XXXX I find it in my Equifax report some account from XXXX XXXX last XXXX XXXX XXXXI dont applay for this account it was the identity theft I don't recognize this account, this account is fraudulating is come up in my credit report and still over there.Please help me for remove that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: DC

Complaint narrative:
My credit card is through capital one, and this involves a transaction with XXXX. 

On XX/XX/XXXX, I placed an order from {$63.00} for food delivery from XXXX using my card. The food was not delivered and I have documentation of that. XXXX would not refund the money, however. 

On XX/XX/XXXX, {$63.00}, my card was charged I disputed the charge and capital one credited that amount back to me on XX/XX/2023. The dispute was resolved in my favor because, I was told, XXXX did not respond to capital one. 

On XX/XX/2023, my card was charged {$63.00} by XXXX again. I did not order anything for that amount and did not receive any food or services for that amount. I did not approve that transaction. 

I disputed that transaction, but Capital One just contacted me saying they received from XXXX " documentation '' of the transaction. I am submitting to Capital One my order history showing I did not order anything on that date. However, I am concerned about the fact that XXXX submitted documentation to Capital One that is fraudulent. The Capital One support agent said that XXXX sent them a receipt of the transaction, which did not occur.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
What is wrong with this company that they literally cancel/prevent everyone from paying us!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I looked at my credit report and saw an unpaid balance of {$1600.00}. I havent had a XXXX account since XXXX or XXXX. This account was opened by someone other than me. I disputed the transaction with the company on my credit report and they said the debt is valid. I did not open this account. At the current time this account was opened, I was with cricket mobile for my personal number and boost mobile for my business number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: CA

Complaint narrative:
I can not count how many day weeks months years I have been trying to work with all three credit reporting agencies to fix the inaccuracies on my report and remove the accounts from my report that are not mine. Is as if all three reporting agencies are intentionally putting me into homeless status. Every other week they create more inaccuracies onto my report. I spend XXXX XXXX days getting them to fix a bunch of inaccuracies such as unknown accounts, wrong social security numbers, late payments with improper dates, unknown inquiries, these are just a few examples of what I've been working on to have removed and before I can even get that set of derogatory removed I get another batch added exhibits are attached to this complaint. When matching up total dept with the XXXX credit reporting agencies on the first page none of the total debts from either of the XXXX agencies match or are correct, then on the next page they all have different totals from what they report on the first page. I have negative accounts that I do not recognize on all three accounts. I have hard inquiries that I do not recognize with all three agencies. I have late payments with dates that I do not recognize, again this has completely crippled my ability to utilize my credit and it is hurting me and hurting me bad! It's been going on for quite a while. I have asked formcredit reports over and over never getting them. Same with current credit scores. What do I need to do these agencies are making money on using my personal data and at the same time for over a year now at a time I need to have my report true and accurate they continue to do the wrong things. My rights are completely being ignored!

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 2023-11-11 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: MN

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from DESIGNED XXXX XXXX listed on my credit report as a collection. This collection was reported on my XXXX and XXXX report up until XXXX of 2023. This collection was proven not accurate based on the fact that I never engaged in any agreement with XXXX XXXX XXXX 

THIS COLLECTION HAS BEEN REMOVED FROM MY XXXX AND MY XXXX CONSUMER REPORT AND I EXPECT IT TO BE REMOVED FROM MY EXPERIAN CONSUMER REPORT. 

IT IS AFFECTING ME IN A NEGATIVE WAY I AM UNABLE TO GET A LOAN FROM ANY FINANCIAL INSTITUITONS BASED ON THIS INACCURATE INFORMATION.

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 2023-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I have a debt collection on my credit report that I dont recognize and how is this account is reporting on my report. I dont recognize the account number I dont recognize the account status or the account high balance nor do I recognize the late payments associated with this. Everything reported here does not meet the FCRA according to 15 us code 1681 1681 b 1681 c 1681 c2. I been in constant communications with this company and they cant even provide information. I filed a report with the XXXX  and identify theft.com as well as put a freeze on all credit report bureaus but its still remains

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
Sunrise Collections flagged my credit for am XXXX XXXX XXXX account I never had. The account was opened to an individual with my same name in XXXX Kentucky. I have never been to Kentucky and have lived in AZ  since XXXX. When I contacted them because of an XXXX Alert, I was surprised to hear about this account. My phone service has been with XXXX XXXX XXXX. I have never had a mobile account with XXXX XXXX XXXX. They confirmed the XXXX XXXX XXXX  reocrds didnt match my personal information ( Including address, Birth Date and Phone number of record ) and told me to file a dispute because they would remove the flag even though the little research they did proved the account was not mine. I filed a dispute though XXXX who did nothing to correct the issue. Not sure what other options I have aside from taking sunrise to court and litigating the flag. I did notify the AZ AG office of this fraud, but have not seen any action as of yet.

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 2023-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: PR

Complaint narrative:
MrCooper/Nationstars reported a 30-day late payment to credit bureaus, even thought it was caused by their own technical problem and failure to communicate with client. 

1 ) My mortgage payment had always been set to " autopay '', since it was transferred to Mr.Cooper from another mortgage servicer last year. 

2 ) Around XX/XX/XXXX, there was a temporary issue on the bank ( XXXX  ) side which prevented the auto-pay transaction from going through, the problem only affected electronic payments and it was resolved within a week. 

3 ) The affected the autopay transaction for the month, it didn't go through. However, MrCooper issued a false statement on XX/XX/XXXX ( electronically delivered on XXXX ), it showed that the payment on XX/XX/XXXX was successful, and the next due date is XX/XX/XXXX. 

4 ) This false statement was deceiving and never got cancelled or corrected, it gave me a false impression that the banking glitch didn't affect my mortgage payment. 

5 ) MrCooper later claimed they issued a NSF letter on XX/XX/XXXX, however, this letter was never sent out either physically or electronically, to this date, it still doesn't show up in my account 's document list. This was probably caused by, a ) A defect in their document system, or b ) Someone generated the document at a much later date but couldn't properly back date the file to insert it into my document list. 

6 ) During the 30-day period ( XXXX ) Mr. Cooper never tried contacting me about the transaction issue. ( When I talked to their representative on XX/XX/XXXX, they admitted that they didn't send me any mailing notice or made any phone calls on this matter ). 

7 ) On XX/XX/XXXX, 33-days after the failed ACH transaction, they finally issued an " ACH Confirmation/Rejection letter '', they placed this document in my account 's document list, and emailed me with a very inconspicuous subject of " You have a document to review ''. 

8 ) On XX/XX/XXXX, they finally contacted me via telephone for the first time, and, I was very surprised to hear that, and paid the balance over the phone immediately. They also surreptitiously inserted two-months late fee into the total amount without explaining the numbers to me. 

9 ) On XXXX, they reported to credit bureaus that the payment was " 30 days '' late. 

10 ) On XX/XX/XXXX, I called their credit department asking for an explanation on why they never corrected the false statement and never notified me when the auto-pay transaction failed. They said my phone number was marked as not-to-contact ( yet this was the same number they used a month later to call me ), they also couldn't explain why no USPS notification letter was mailed. It's likely to be part of their cost-saving measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Transworld System Inc formerly known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This company has stolen my information not once but twice and keeps harassing that I owe them money!! I have asked them to provide me with the original contract with my signature which they can't provide. They changed there name so that they can collect and steal money from people. I want them shut down and put out of business!! I also want to be paid for them putting something on my credit report that is not legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: FL

Complaint narrative:
an inaccurate and unverified charge-off on my credit report. The following account is showing as a charge-off on my credit reports in all 3 bureaus Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX, XXXX this is not mine and I have to be remove as soon is posible is inaccurately reported as a charge-off. I am disputing this under the Fair Credit Reporting Act, 15 U.S.C. 1681a ( f ) whis states that a consumer has the right to dispute incomplete or inaccurate information. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 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: FL

Complaint narrative:
an inaccurate and unverified charge-off on my credit report. The following account is showing as a charge-off on my credit reports in all 3 bureaus Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX, XXXX this is not mine and I have to be remove as soon is posible is inaccurately reported as a charge-off. I am disputing this under the Fair Credit Reporting Act, 15 U.S.C. 1681a ( f ) whis states that a consumer has the right to dispute incomplete or inaccurate information. 
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 2023-11-11 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: IL

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. 

remove these accounts listed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 2023-11-11 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: IL

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. 

remove these accounts listed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 2023-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
What is wrong with this company that they literally cancel/prevent everyone from paying us!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Since CHASE cancelled my on-line access to my accounts, I not longer have access to my checking account or credit card records so I will describe my situation with approximate dates. 

IN late XXXX I deposited a significant amount of checks at the Chase ATM in XXXX XXXX. The ATM ate an unknown number of endorsed checks and immediately shut down with no receipt. Banking staff could not help I field a complaint with CHASE XXXX XXXX XXXX. CHASE gave me a credit for the missing checks, and then debited my account for the over credit. However CHASE refuses to provide the documentation and images for the missing checks. XXXX closed their case refusing to provide the requested documentation. I filed a second case with CHASE XXXX. Again the case was closed, yet CHASE stil refused to provide with any explanation in writing for the DEBIT. They want me to take their word for it. 

On XX/XX/XXXX I did received correspondence from CHASE with images of CHECKS which WERE NOT IN DISPUTE. They sent me images of Checks that were already preiously deposited AND NOT the missing checks. I replied to their letter the same day again requesting the images for the correct checks. CHASE refused to answer.

My many emails to CHASE XXXX office have also gone unanswered. And, if a case of bullying, CHASE has cut off ALL of my online access to both my checking account and my credit cards accounts causing me significant financial injury

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

This account should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S. Code 1681b- Permissible purposes of 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 protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY! 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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