vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Last year, I received a credit report from XXXX because I had a question about our XXXX score. Our XXXX  score dropped from in the XXXX to almost XXXX. So when I received the report it showed a credit card from Chase showing a {$520.00} bill ( which we had not EVER received a monthly statement for ). I called Chase right away, and they couldnt give any information other than we had not received payments for months + finance charges. I paid them the full amount over the telephone, because they had my name, etc. ( My mistake ). Meantime I have made telephone calls to Chase, was transferred to 3 different representatives after explaining what the problem was and they said that I had to be transferred to the credit card department. They couldnt help so I was transferred to XXXX, who had one of the errors on their report and said they would delete an address which I had never lived at, they then transferred me to another credit reporting company, who then told me I would have to call XXXX, since they sent me the report to begin with. Again for the 6th or 7th time I explained everything from the beginning. Even though they had my name and former and current address and telephone numbers, they couldnt give me the lenders name for another womens name and XXXX unknown addresses that was on my report. I dont know what to do, I have been on the telephone for hours. I am thinking possibly she hacked my credit card and charged something, and I am the one that paid for it. I cut up after that all my credit cards except one. From the beginning I was told if I did not pay it, my credit would get worse. Why, if XXXX had all my info could they not get ahold of her? Especially, her name was on my report or Chase if they had her name and XXXX addresses for her so I could possibly get my money back. We have always paid our bills and loans on time or before the due dates and paid them in full. Would you please be able to help me? Thank you so very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Its been at least 10 years since the first collection person called me about a account someone set up in my name. I get letters from creditors and banks saying I owe money or I was turned down for a credit card. I send them back letters saying that was not me.

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 2022-08-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Today, XX/XX/2022, I called Experian 's fraud department and spoke with an associate by the name of XXXX. I explained to XXXX that despite the multiple disputes and requests for correction and/or deletion of erroneous information, the agency has remained in violation of the Fair Credit Reporting Act in multiple ways. The agent was extremely argumentative and dismissive and continued to deny and misquote the laws that Congress has put into place to protect the CONSUMER. I informed the agent that the CRA has an obligation to report information that is TRUE and ACCURATE, and does no harm to the Consumer ; that pursuant to 15USC1681 ( a ) ( 3 ) -this role to report consumer credit information was not given but assumed, and with this is also the obligation to abide by the laws Congress has established. Pursuant to 15USC1681 ( a ) ( 4 ), Experian has continued to be unfair in knowingly reporting erroneous information without FIRST consulting with THE CONSUMER. The agent, XXXX, continued to deny any of what was said to be factual and refused to assist consumer with correcting and removing the erroneous and fraudulent information from the Consumer 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 explanation
Consumer complaint received 2022-08-23 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, Experian 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. Experian continues to violate my rights by publishing without my written instructions. I find that my consumer file is being irresponsibly tampered with. over the past year I have made several attempts to remind you of your duty pursuant 15 USC 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy in my report based on federal law. I am making this effort as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must be promptly removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that can not be verified or validated. 
XXXX XXXXXXXX XX/XX/2022 and XXXX XXXX XXXX XXXX XX/XX/2022 are hard inquiries I do not recognize and didnt authorize I demand them to removed.

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 2022-08-23 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:
Inaccurate information reporting on my credit report that are not mine. I have contacted Equifax, XXXX, XXXX several times via phone, online and via first class mailings on many occasions in regard to inquiries that is reporting inaccurately. I even provided a police report and I get the same response each time that they have been removed but they are still appearing on my report. It makes it look very bad on my credit report and reporting negatively/inaccurately. I am trying to finance something on my credit report and it makes it very difficult when theyre checking my credit and this inaccurate information is appearing. I have disputed and reached out to Equifax, XXXX, XXXX several times and they say the same thing over and over, that we have removed them but they have not sent me anything in writing with proof of the removals. After they were going to mail out letters confirming the removal of the disputed inquiries. Equifax, XXXX, XXXX needs to provide proof of validation of these being removed and the results of my disputes. When I call Equifax, XXXX, XXXX they keep telling me that their handling it and I should see an update and I never do. The last rep I talked to stated he was taking care of it only to find out he had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following inquiries is what is being reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How can all the bureaus be using the same information, but some bureaus are reporting correctly & the others are saying verified which is totally incorrect. In addition my Equifax and XXXX score does not reflect my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX, I was not a person who believes in using credit cards and I always used debit as a primary payment method. Until recently my wife and I are planning on buying a house, so I checked my credit report and realized I have been a victim of identity theft for many years. I found two fraudulent accounts, one is a charge off from XXXX XXXXXXXX XXXX in the amount of {$11000.00}, the other is an account in collection by XXXX XXXX XXXX originated from XXXX in the amount of {$4500.00}. Additionally, there's also two fraudulent hard inquires from XXXX XXXX and XXXX. 

It is a grave mistake on my part to not close guard my credit as seriously as I should, until it became a giant road block on my path to finally become a homeowner and realizing my American dream. Identity theft has put me in a very tough situation, I hope we can get the fraudulent activities off my credit report as soon as possible. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 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: NY

Complaint narrative:
My name is XXXX XXXX, I was not a person who believes in using credit cards and I always used debit as a primary payment method. Until recently my wife and I are planning on buying a house, so I checked my credit report and realized I have been a victim of identity theft for many years. I found two fraudulent accounts, one is a charge off from XXXX  XXXX XXXX in the amount of {$11000.00}, the other is an account in collection by XXXX XXXX XXXX originated from XXXX in the amount of {$4500.00}. Additionally, there's also two fraudulent hard inquires from XXXX XXXX and XXXX. 

It is a grave mistake on my part to not close guard my credit as seriously as I should, until it became a giant road block on my path to finally become a homeowner and realizing my American dream. Identity theft has put me in a very tough situation, I hope we can get the fraudulent activities off my credit report as soon as possible. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I received an unauthorized XXXX transfer for {$3000.00} from my sisters account. I returned the {$3000.00} same day via XXXX using her phone number. She did not receive the {$3000.00} from XXXX and filed a claim with Wells Fargo. 
On XX/XX/XXXX Wells Fargo takes {$3000.00} out of my bank account and credits my sisters account {$3000.00}. WF did not notify or contact me in anyway regarding the removal of every dollar I had. They did not investigate into my sisters account being hacked ; they simply took the money from my account. I had already sent/returned the {$3000.00} same day. When I filed a claim with WF ; they denied and said the funds were used. I disputed that saying they were not used, but returned to my sisters account but possibly intercepted by whoever originally sent the money. They have been " investigating '' my case for over 30 days. I am constantly given the run around by WF. I call regularly for updates hold for hours and they tell me they are still investigating and will call me back. NO ONE HAS CALLED. 
They took {$3000.00} out of my account leaving me overdrawn for over a month!

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 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: The J. G. Wentworth Company
State: OR

Complaint narrative:
After a separation from my husband more than XXXX MONTHS AGO, I, XXXX XXXX XXXX, formally living at XXXX XXXX XXXX XXXX, XXXX, Alabama, XXXX, then found it necessary to find debt relief. I believed JG Wentworth to be a solid and legitimate company. That belief is completely shattered with the events of the last week. I am seeking the council of Oregon Attorney General XXXX XXXX, who is a dear friend of one of my friends, to file formal fraud in banking charges against JG Wentworth on my behalf. 

I was told by JG Wentworth associates and have a telephone recording and a text of one stating, that I had entered into a 16 month debt elimination program at {$490.00} per month with the last payment of {$9.00}. That {$9.00} payment was taken by JG Wentworth automatically from my XXXX XXXX account at the beginning of this XXXX. 

During the 16th month program I have faithfully paid these payments. However, when I recently called to receive exit paperwork, the representative stated that I owe " 3 more months '' beyond the 16 month period! He said that the 16 months " we're just an estimate '' and the last creditor required more money than expected. But that is not how the program works. I was told creditors are contacted at the beginning of the program to confirm what amount they will accept to cancel the debt, and then money is collected and paid out in those pre-determined amounts. Instead of honoring your promise of my being " debt-free in 16 months '', I am being hounded by their partner XXXX XXXX  XXXX who is again promising a " graduation from the JG Wentworth debt program '' if I secure a loan from them! This is the very definition of a scam, a " bait and switch. ". The goal post keeps moving! I was told that I needed to pay off one more creditor but just as I am writing this, I am told that an account that I was told was already settled is now due! 
. 
I am very upset and frustrated. Several times I checked and rechecked with their representatives about the nature of your program and I was repeatedly told I would be debt free in 16 months. I feel I should warn others on as many social network platforms as I can find because what they are doing to unsuspecting clients is financially dangerous and unethical!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
I do not recognize the debt. And XXXX  XXXX XXXX Block LLC has failed to validate the debt. They are still reporting the 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 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I have made this demand these inquiries multiple times with Experian, and I have not received a proper notice of investigation from this credit reporting agency. These inquiries are fraudulent and unauthorized. I want them deleted from my credit report. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX Experian is not operating with integrity reporting inaccurate information on the report. There is a violation of 15 USC 1681a ( 3 ) assumed role and never had my consent. 15 USC 1681a ( 4 ), 15 USC 1681b ( 2 ), 15 USC 1681e. I never consented or instructed this information to be furnished on my report. There was never a permissive purpose for these inaccurate inquires. Experian is furnishing and reporting inaccurate information. " There is a need to Insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I don't believe Experian hasn't operated in fairness or accuracy to uphold their duty as a credit reporting 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 non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
On or around XX/XX/2020 my chime account was fraudulently used to make unauthorized purchases on my XXXX account. There was XXXX charges that totaled the amount of {$80.00}. I have had XXXX write me numerous letters stating that this was definitely fraudulent activity. I even had XXXX and chime together on a conference call hoping that this would resolve the issue but it still did not work. When i talk to chime on the phone they even agree with me that this does look like fraud but they say they cant do anything about it because its already moved to their dispute team. The last time i spoke with XXXX and chime together XXXX provided me with XXXX IP address to give to chime stating that those would show that I did not make the purchases but after sending chime the information they still refused to release my funds back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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 — Their investigation did not fix an error on your report
Company: World Acceptance Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX & World Finance Corp has been disputed from my credit report for years and consistently asked to supply contract signed by me, with my drivers license, GPS location and they have NEVER supplied requested validation of debts, vehicle/s with loan attached was not only apart of divorce in which my ex husband was assigned the debt but also car/s was repossessed and nothing else is owed. They have continuously violated my FCRA AND VIOLATED CONSUMER LAWS by either NOT providing me with requested debt validation or removing their accounts from all of the credit bureaus on my credit file. 

XXXX XXXX, XXXX XXXX, have been reporting negatively on my credit reports for over a year and asked a dozen times to supply DEBT VALIDATION including, contracts, Id, GPS location and consent to service and have never supplied requested debt validation. They have repeatedly violated my FCRA rights and have been sent documentation noting these accounts were fraudulently obtained by my abusive ex husband with out my consent or knowledge, Ive provided a court order signed by a judge acknowledging that these debts do not belong to me and they have not stopped reporting these negative accounts. 

I am demanding XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX remove these fraudulent accounts from my credit profiles with ALL consumer agencies as well as all three major credit bureaus immediately and to cease any further negative reporting permanently. But not supplying me with requested Debt validation documents within 30 days of disputes through all major credit reporting agencies they have violated my consumer rights by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: TX

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Experian is governed by 15 USC 1681.And they violated my rights numerous times. 
I demand the accounts listed below be removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish this accounts. 
XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX  BA # XXXX Consumerreporting agencies have assumed a vital role in assembling and evaluatingconsumercreditand other information onconsumers. 
There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

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 2022-08-23 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld Systems, representing XXXX XXXX is falsely accusing me of owing an energy bill from XXXX, Texas. I have called them and written to them, that I have never visited, lived or done business in Texas. I have resided in the same state for the past 40+ years. They went ahead and hit my credit report with a collection. 

They are calling friends and relatives via phone and text, scaring them to find me because legal actions are being taken and I will be jailed. 

Please let me know if you need anything else from me. Thank you!

Company response to consumer: Closed with explanation