vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-10 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/year> Chime illegally closed account that had more than {$1200.00} and are refusing to give money back. They give nothing but generic excuses and lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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: OK

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I attempted to pay my rent with the newly purchased American Express Gift Card, which states that the card can be used wherever American Express Card. I verified my balance online of {$200.00} before I tried to pay the rent. 

But XXXX could not process the payment with this message below. I've also seen other people saying online that the American Express Gift Card often get declined for online purchase. 

DECLINED PAYMENT ( XXXX ) Balance as of XX/XX/year> {$200.00} REASON : Your Credit Card has been declined by your Card Issuer. ( Error code : XXXX ) SUGGESTION : Please call the the number printed on the back of your credit card. Please ask the representative why the transaction was declined and clear up any problems that are causing the card to be declined. Once the issuing bank confirms that they will approve future. If this problem remains, please contact XXXX XXXX and let us know that your Credit Card is being declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Deinde Online Services, LLC
State: IN

Complaint narrative:
I have attempted to dispute the claimed debt owed multiple times directly with the companies and with the credit reporting agencies to no avail. The companies continue to report unverified collection accounts even after I have asked for verification docs, account statements, original agreement copies, and proof of their legal right to even attempt to collect on the alleged debt - all requests have gone unanswered. I have requested this information in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no response. According to the collection companies own websites/consumer portals - my information does not link to a record within their files yet they continue to claim and report thousands of dollars as owed to them to the credit reporting agencies. This fraud and their lack of being able to properly verify the debt should mean that the debt is uncollectible and therefore they should cease reporting the incorrect information and promptly remove the reported info linked to my personal info from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a complaint about these XXXX transactions on XXXX XXXX XXXX XXXX XXXX : {$180.00} - XXXX : {$500.00} Chase concluded the investigation and stated I was responsible for them because they came from my XXXX wallet. 

I never made these charges and expressed that to them. 

Chase claims I had to because it was on my phone but theres no transactions reflecting that on my actual phone transaction history. 

It was denied today on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DISCOVER BANK
State: VA

Complaint narrative:
In an attempt to resolve a collection against me, I called the collection agency on XX/XX/year>. The man I spoke with collected information from me such as monthly bills, and income. My expenditures exceed my income and he repeatedly asked me why and how I survive with XXXX children in a very demeaning tone. He also twisted my words around multiple times and tried to made it seem like I had agreed to an amount to pay monthly and when I corrected him he said my phone was breaking up, but this happened three times. He went back to focusing on my expenditures exceeding my income and again implied that I was lying because I have XXXX kids I must provide for on a single income and he doesnt know how I make it. It made me feel very vulnerable and disrespected when he repeatedly asked how I care for my children. I feel this is very unprofessional and intrusive. I feel that he was not willing to coordinate a fair payment plan or resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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: TX

Complaint narrative:
Please note that I am the author of this complaint and all attachments. I have attached a copy of my driver 's license and my social security card to verify my identity The credit bureaus have violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. 

The furnishers are in violation of 15 USC 1681s-2b " ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. '' After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

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 2024-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I submitted an application for a credit card with Bank of America in XXXX. Account was approved and account opened. 
In the end of XXXX Bank of America again ran my credit report and subsequently opened another credit card account that I did not request. 
I reported this fraudulent activity to Bank of America and requested that the account be closed. XXXX hours later the account has still not been closed

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 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/24 I obtained a copy of my consumer report from the consumer reporting agencies ( XXXX, Transunion, XXXX ) I noticed multiple accounts furnished with inaccurate information. I had previously contacted these corporations requesting an investigation however to no avail. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these accounts have been properly verified nor have I ever entered into a consumer credit transaction with these corporations. According to 15 USC 1681s ( a ) you are required to provide adequate evidence for maximum accuracy in your reporting. A copy of a legally binding contract with my wet ink signature will suffix between these companies in myself if this evidence can not be provide after your investigation then you must according to the FCRA permanently remove these items from my consumer report because they are causing grave damage to my overall character.

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 2024-02-10 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: SC

Complaint narrative:
On XX/XX/year> I obtained a copy of my consumer report from the consumer reporting agencies ( XXXX, XXXX, Experian ) I noticed multiple accounts furnished with inaccurate information. I had previously contacted these corporations requesting an investigation however to no avail. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these accounts have been properly verified nor have I ever entered into a consumer credit transaction with these corporations. According to 15 USC 1681s ( a ) you are required to provide adequate evidence for maximum accuracy in your reporting. A copy of a legally binding contract with my wet ink signature will suffix between these companies in myself if this evidence can not be provide after your investigation then you must according to the FCRA permanently remove these items from my consumer report because they are causing grave damage to my overall character.

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 2024-02-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: DE

Complaint narrative:
I received notification that adverse information was found on my credit report. Investigated and found the company name and googled information to contact them. I called and gave my name and address and requested to know what it was about because I never received any information and had no idea I owed any money and no idea for what. They would not give me the information over the phone only collect payment. I requested that they send me the information to verify the debt and gave my proper address. After this they began calling everyday multiple times from different numbers each time. I was feeling harassed and never received any mail with debt verification. I emailed regarding this and requested again in writing the information to verify the debt. I corresponded with someone from the company and they would not provide the information. I kept all correspondence and repeatedly sent emails requesting the information. The finally response back was that it was a sister company that had that account and they forwarded my email. I waited no response. Man trying to collect again called me and I asked if they had sent the debt verification- he said they originally sent it to the wrong address even tho I gave my address to them. I asked them to send it to the correct address as I had given them XXXX times prior. After getting loud with the man he said he would email it. I gave him my email- the next day I got the email with the account info. I contacted XXXX XXXX and they confirmed that the authorization was in the day of service provided but the company never mailed them the bill. The Va called the collector and the collector refused to release the debt back to the medical company and would not assist the Va In remedying the situation. Man put myself and VA on hold and would not come back. We contacted the medical company and they said they had they authorization and it should not have been sent to collection. The collector put this delinquent account on my credit report without notice and provided false information the the credit reporting agencies. I requested in writing that they fix this immediately and they have not responded. The collector is credit management company in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
The XXXX states wide and International listed fraud as identification scam 's imposters and business identification population imposters Frauding my dead great  grandmother documents of XXXX XXXX XXXX who full identity was XXXX XXXX XXXX XXXX, her husband of XXXX XXXX also had a Sir name before immigration to the XXXX of Sir name XXXX. 

She was born on XXXX, died on XXXX The XXXX states wide/and international/listed my grandmother and grandfather information as business permits frauding a property property grave and serial numbered corners record of my great grandmother. 

My great grandmother only had XXXX daughter of my grandmother of XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX There fraud isn't authorized

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 2024-02-10 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: CT

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I was rushed to the hospital by ambulance in the XXXX of XX/XX/2024 around XXXX. After being discharged and went to my daughters to sleep since I was on heavy medication. The next day XX/XX/2024 I was driven to follow up with my family doctor is when I noticed that my small wallet in my purse was missing and one of my phones. I called the police and went and made a report and I called credit card companies and canceled my accounts and callled chase to cancel my debit card and they confirm I had {$11000.00} worth of withdrawals and charges. They confirmed that some of the ATM transactions werent made by me and gave me a temporary credit for half of withdrawal charges which was {$1400.00} and they only refunded me {$800.00} and then the XXXX XXXX charges ( {$9800.00} ) they decided I made them ( I guess while Im in my hospital bed ) and denied my claim and will not give me my life savings, even thou they didnt conduct a proper investigation to see who did the charges ( which I begged them to do ) So now Im out my life savings and Im really depressed to the pint that I was hospitalized again XXXX later after they denied my claim Please please help me Im willing to provide any documents, proof, or anything that is asked of me. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
My information was bought and sold illegally because I was a victim of the XXXX data breach. I want these XXXX items deleted from all three of my credit reports effective immediately. Im attaching proof that XXXX has admitted I was a victim from the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports LVNV FUNDING LLC LVNV FUNDING LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief