vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 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: MI

Complaint narrative:
Hello. I am hoping that you can please help me with this issue. Long story short. On XX/XX/2023 at XXXX pm my XXXX account was hacked. Hacker stated that prior orders were not received. Hacker requested {$100.00} worth of gift cards. Hacker than purchased XXXX on XXXX XXXX XXXX. XX/XX/2023 Hacker purchased a computer monitor amount {$150.00} on my credit card to be shipped to my previous address where my mother currently lives. On XX/XX/2023 Hacker purchased {$190.00} worth of batteries on my card to once again be shipped to my previous address. Each time there was suspicious activity I called XXXX to report the situation and also called Chase to report the situation. I did everything they asked of me. I thought everything was taken care of until the fraudulent charges amounts {$150.00} and {$190.00} showed up on my bank statement again. Sense than I have spend hours on the phone between Chase and XXXX. I have provided chase with everything theyve asked including my phone records with XXXX and Chase, an XXXX complaint form with the FBI, all of my recorded calls with XXXX, a XXXX page document of fraudulent statements in which the hacker was impersonating me and messaging the XXXX bot about the fraudulent orders they made, and all of purchases made with XXXX in the past 2 years. This has been a complete nightmare that Ive been dealing with for almost three months. I even went into a Chase branch to back on XX/XX/2023 to talk to someone and they still didnt seem to have an solution. Today XX/XX/2023 I was finally able to talk to a Chase representative who seemed to be able to help and during a XXXX way call with the Chase representative and XXXX representative the Chase representative hung up in the middle of the call and didnt call back. I feel like these two companies are spinning me in circles always leading back to me being responsible something I didnt do. I wish they would do whatever research thats involved in a hacking situation correctly. I dont know how many more times I can tell them I was hacked. With 3 months going by and these amounts still being on my account it is now also impacting my credit scorXXXX. I really dont know what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: TX

Complaint narrative:
The following companies reported inquiries without my knowledge or authorization on my Equifax credit report. Someone has used my information try and obtain a vehicle. I am not aware of these inquires or the account connected to these inquires. This is not my doing and I have not authorized these companies to access my credit report. This has yet to be verified and validated. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Date of Inquiry Company 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
Interest and APR were mis stated by the representative. I was misdirected between multiple screens while signing and was pushed to buy an insurance policy that was cancelled and I didnt receive the correct amount back. When I called and asked for a copy of the signed document I was told it was already emailed to me. I asked many times and was given the response that Id receive it. I never did. Im now locked into something that was a complete falsehood when presented and thats life but I want the documents so I know how much I legitimately owe

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am left questioning the legitimacy of your verification process, as other reputable credit reporting agencies have acknowledged the fraudulent nature of the accounts and taken appropriate action. To my bewilderment, your response indicated that you were able to verify the disputed items without providing any valid verification or supporting documentation. This is both perplexing and disconcerting, as the other credit bureaus have acknowledged the fraudulent nature of these accounts and promptly removed them from my credit history. 
XXXX XXXX XXXX PLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
XXXX XXXX XXXX- PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. 
I demand a thorough and transparent investigation into the verification process undertaken by your bureau, as it seems to deviate from the standards set by the law. I urge you to rectify this situation promptly by re-evaluating my dispute and providing a detailed explanation of the verification process that led to the denial of the removal of these fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
In XX/XX/2023 at XXXX XXXX, I received a call from the XXXX XXXX XXXX store in XXXX XXXX XXXX. I was in XXXX XXXX in a business meeting and did not pickup the phone. The caller left a message asking me to call back and authorize someone as a user on the XXXX XXXX XXXX account # XXXX so they could add a phone to this account. I did not call back and I did not authorize a phone to be added to this account. Subsequently, back in XXXX XXXX, I went to an XXXX XXXX XXXX store and paid a final bill and closed the account. I had several problems closing the account and had to return to the store twice. Now I have Sunrise Credit Services trying to collect the balance. Since I never requested, authorized or received a phone I am at a loss to see how I can be charged for it. I can only conjecture that someone impersonated me with a stolen identity or that a store representative illegally authorized a phone sale to someone they were working with.

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 2024-01-09 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: TX

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide me with evidence of the investigation you conducted and the basis on which you concluded that the debt in question is verified.

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 2024-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: MO

Complaint narrative:
This account has had an open dispute that's been under review since XXXX XXXX XXXX The case is still open. The original dispute was canceled by the customer who contacted both XXXX and his banking institution to let them know he disputed the amount in error. The banking institution sent the money that was disputed back to XXXX and XXXX has yet to put that money back into my account. Both me and the customer have contacted XXXX multiple times about this and they refuse to respond. We have also sent copies of the emails that were sent to and from the buyers banking institution proving that the bank did in fact cancel the dispute and sent the money back to XXXX. XXXX has yet to respond or fix the issue. Again, this dispute is still " under review '' with XXXX therefore never should have been sent to collections in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
XXXX XXXX  sent debt to collection for a club account I closed as part of my relocation to XXXX where the club has no locations. I notified the club representatives of my move and made it clear that I did not want this to happen and was assured it would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: OR

Complaint narrative:
I received an adverse letter due to information this company I never heard about provided to XXXX XXXX. 

This company provided my information without my consent. 

This company refuses to provide my credit report when requested. 

I have sent several requests for my report, uploaded documents to obtain a credit freeze until I can review. 

They have not properly placed a credit freeze on my file for review even after providing requested documentation. 

I keep getting letters saying I have to provide docs to verify my identity, I have done so. I had to provide when I placed the credit freeze on my file. 

This company refuses to disclose my report to me which is against the Fair Credit Reporting Act. 

They are unknown, no one knows about this company, who they are, when they were established, where are they located. They are operatig in secret. 

They are providing my information without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXXEQUIFA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXEQUIFA XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: NJ

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
There are 2 accounts that DO NOT BELONG TO ME. 

XXXX. XXXX XXXX XXXX- {$650.00} This has been on my Consumer report for over 6 months now. Everytime I submit a complaint I get ignored or told that the account is rightfully mine without any one demonstrating any proof as to how they came up with this information. I was never notified of this debt and it does not rightfully belong to me. There are other people locally that have the same name as me seeing as it is a very common First and Last XXXX name where I come from. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance - XXXX This account never belonged to me, and when I called in and spoke to a representative they told me the easiest way to get this removed from my consumer report would be to pay the debt off in full which I was reluctant to do seeing as I never defaulted on an account with this company. I have many properties and would have known if that was the case. I paid this debt off and they promised it would be removed 30-45 days after payment was processed which was a lie because it is still on my consumer report. I have the recording in my possession which can confirm what I was promised and how I was misled into paying off an account that never belonged to me which is ILLEGAL!

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCF Intermediate Holdings LLC
State: UT

Complaint narrative:
Was told by my mother someone called her about something with a loan for me. Was continually asking her about my place of employment. She refused. 
I got the number from my mother ( who is sick with XXXX and in immense pain ) and called XXXX with XXXX. I told him he XXXX no longer contact my mother and to take her off my contact list. He said he could not do that. I told him that was illegal and he proceeded to tell me that what I was saying was silly. I explained she was going through XXXX treatments and only THEN did he offer to remove her number. This is NOT a game.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
in Accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account with XXXX XXXX XXXX was properly investigated but how is that possible if the last date of activity is inaccurate, the date reported is inaccurate, and last payment is also inaccurate. This is ground for removal they also violated my rights under 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 alos states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit reporting agency took more then 30 days to complete my investigation

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 2024-01-09 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:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days.

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 2024-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
On my Credit Report, I saw a collection account from a debt collector acting on behalf XXXX XXXX XXXX. I was able to retrieve the lease which was active at a time. I had my own lease with a different leasing company. Also, the email used to sign for the lease is not mine either. I wrote to the debt collector who has not responded and refuses to remove this debt off my credit report. I reminded them it is illegal to report accounts on my credit report for which isn't mine. 

This debt was already deemed invalidity by another debt collector for the same company. Please see the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AUSSRQ Holdings, LLC
State: TX

Complaint narrative:
The debt is time-barred ie more than four and a half years old and it is past the statute of limitations as per Texas law XXXX The creditor Oliphant USA purchased it and hired XXXX XXXX XXXX for collection. XXXX XXXX XXXX is intimidating and threatening about lawsuits when called about the debt. Most of the time they do not answer the call or reply to the email. It is very hard to connect to the account manager of the file. The account manager keeps on changing the statement. At first they said they have not file lawsuit and will send payment agreement by XXXX after I agreed on payment plan but when called on XXXX  they are saying they have sent it for litigation and need to wait for court documents and not sure when they will receive it. I wanted to settle the debt but they do not want to co-operate with me. They do not like the fact that we contact them and do not give any information about the litigation filed by them. Both Oliphant USA and XXXX XXXX XXXX need to be investigated and penalized for unlawful and unfair debt collection practices, intimidation, and exploitation of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to express my extreme disappointment with the inaccurate and incomplete credit information you have reported about me. Your failure to maintain reasonable procedures to assure maximum possible accuracy in the credit reports you publish has caused me significant distress. I demand that the following information be immediately investigated and removed from my credit profile. I also demand that you provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX  Opened Date : XX/XX/2018 Balance : {$100000.00}. I expect an immediate response to this complaint and a prompt resolution of the issues I have raised. Failure to comply with my demands may result in legal action being taken against your agency. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).

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