vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 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: IL

Complaint narrative:
I lost my debit card prior to the fraudulent transaction taking place in my account. I told Chase this and they continued to falsely accuse me of a fraudulent transaction charge that I did not make. They continuously told me that I DID DO IT because it took place in XXXX, IL ( which is where I live ). And because it was made online. They told me because of these reasons it was me because based off of that it looked like I did it. I told them I wouldnt be arguing with them for 2 months now had I believed that I did commit the transaction, but I did not. This is the third time starting today ( XX/XX/2024 ) that the claim reversal was sent back. They told me they couldnt help me and to send them documentation stating otherwise. Whomever committed fraud on my account, there is very little information about the scammers whereabouts. I did have one Chase representative, a supervisor, tell me that my XXXX XXXX wallet and XXXX XXXX had been compromised, which my Chase Bank was connected to. She proceeded to read off an XXXX XXXX debit card that was on my apple way account that I did not put in there myself- mind you my card was missing. Afterwards, she disconnected my cash app and XXXX XXXX, sent me another brand new visa debit card and given me a credit to my account. She told me by policy they still had to investigate but that my credit was back into my account. Today. I have another claim reversal. Ive made numerous report including to the XXXX XXXX XXXX XXXX. I will go to court to resolve this if I have to. Chase in the past has missed fraudulent charges taking away from my account, so this isnt any different other than this case is more complex considering the advanced scamming technologies that are put today. After I my money back. I will no longer want to be apart of Chase. Shame on them. Ive been with them over & years and why now would I go through all of this trouble to get my money back. This is ridiculous and this whole process has made me very weary and exhausted. I will never recommend Chase to anyone. I made a police report, an FBI report, I have reported this to XXXX XXXX XXXX, XXXX  and the Consumer Financial Protection Bureau. I also have witnesses that I have shared this matter with over the course of which this has carried over. If I have to I will go to court. What scammer is willing to go through all this now, Chase? Im innocent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I purchased a new car in early XXXX, of course a credit check was run. Experian sent numerous messages alerting me to the inquiry, which is expected but they were excessive. Now that I got the loan they are sending me excessive messages saying a new account was set up. Then they send multiple messages regarding credit score changes. I understand its their job to send alerts but they spam me with the same alerts for days. I went to the website to acknowledge the alerts assuming that would stop but it doesn't.

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 2024-01-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Every time I need to log into Experian they want to send a code to my phone to verify my identity, when you click to send the code the phone rings but there is no audio code given, the number I get the call from is XXXX, today ( XX/XX/24 ) I had to call five times before a code was given. This has happened in the past as well. Something is wrong and they should address this issue.

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 2024-01-29 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: EQUIFAX, INC.
State: TX

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.

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 2024-01-29 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: MO

Complaint narrative:
Still working on the issue IS A JOKE but as requested ALL COMPLAINTS ARE FORWARDED TO THE F.T.C. AND D.O.J.

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 2024-01-29 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: FL

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.

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 non-monetary relief
Consumer complaint received 2024-01-29 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: Experian Information Solutions Inc.
State: FL

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.

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 2024-01-29 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: GA

Complaint narrative:
Equifax is reporting incomplete and inaccurate information on my credit report. I have attached the proof and a letter describing each piece of inaccurate and or incomplete information. Under the FCRA I have a right to know what is in my credit file and I have a right to 100 % accuracy and complete credit reporting. Equifax has not provided this information. This give cause for concern regarding identity theft issues having incorrect personal information and accounts that have not been verified. I never gave Equifax permission to put anything in my credit report. I have the right to direct whether or not I want information about a transaction to be reported. My right to privacy has been violated and I do not appreciate that. Investigations of disputed data require sources of interviews of family and friends, and CAN NOT contain factual information. These are my RIGHTS under the FCRA that Equifax has on their own website. I take my right to 100 % complete and accurate data on my report seriously. I take my rights under the FCRA seriously. Please make sure to not report any transactions on my credit report. I did not give equifax or anyone else my written permission. Under the FCRA it says " reported info can not be ONLY transactions and experiences between the consumer and a company. '' All data on my report are transactions between I the consumer and a company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: MD

Complaint narrative:
I need you to attend the following show items in this letter which contains data taken directly from my credit report which you have provided. XXXX XXXX dated XXXX Please delete this unconfirmed inquiry lacking certifiable evidence unless physically certified proof is demonstrated per U.S. CODE U.S.C. {$1600.00} ET SEQ. Section 604 of Fair Credit Reporting Act. Once you have furfilled my request mail me an updated credit report reflecting these changes. I do not recognize any of these inquiries, please remove.

I reviewed my credit profile and noticed inaccurate and/or incomplete information, and accounts. Fair Credit Reporting Act Sec 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate and incomplete.

It is also my understanding the FCRA 15 U.S.C. & 1681 every single one even each any or unproven non compliant untrue incorrect aspects of alleged derogatory accounts must be promptly deleted.

The following derogatory account allegations are either untrue, incorrect, incomplete untimely not my responsibility or otherwise not proven compliant to regulartory federal reporting laws and or standards and MUST be removed immediately.

The infraction are as follows : XXXX XXXX Bank # XXXX XXXX XXXX XXXX along with the XXXX  XXXX credit inquiry Also Ive notice two different dates of last activity along with two different last payment, two different dates of last payments, two different dates of opening account. Which are inaccurate information according to FCRA.

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 2024-01-29 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: MD

Complaint narrative:
I need you to attend the following show items in this letter which contains data taken directly from my credit report which you have provided. XXXX  XXXX dated XXXX Please delete this unconfirmed inquiry lacking certifiable evidence unless physically certified proof is demonstrated per U.S. CODE U.S.C. {$1600.00} ET SEQ. Section 604 of Fair Credit Reporting Act. Once you have furfilled my request mail me an updated credit report reflecting these changes. I do not recognize any of these inquiries, please remove.

I reviewed my credit profile and noticed inaccurate and/or incomplete information, and accounts. Fair Credit Reporting Act Sec 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate and incomplete.

It is also my understanding the FCRA 15 U.S.C. & 1681 every single one even each any or unproven non compliant untrue incorrect aspects of alleged derogatory accounts must be promptly deleted.

The following derogatory account allegations are either untrue, incorrect, incomplete untimely not my responsibility or otherwise not proven compliant to regulartory federal reporting laws and or standards and MUST be removed immediately.

The infraction are as follows : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX along with the XXXX  XXXX credit inquiry Also Ive notice two different dates of last activity along with two different last payment, two different dates of last payments, two different dates of opening account. Which are inaccurate information according to FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I need you to attend the following show items in this letter which contains data taken directly from my credit report which you have provided. XXXX  XXXX dated XXXX Please delete this unconfirmed inquiry lacking certifiable evidence unless physically certified proof is demonstrated per U.S. CODE U.S.C. {$1600.00} ET SEQ. Section 604 of Fair Credit Reporting Act. Once you have furfilled my request mail me an updated credit report reflecting these changes. I do not recognize any of these inquiries, please remove.

I reviewed my credit profile and noticed inaccurate and/or incomplete information, and accounts. Fair Credit Reporting Act Sec 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate and incomplete.

It is also my understanding the FCRA 15 U.S.C. & 1681 every single one even each any or unproven non compliant untrue incorrect aspects of alleged derogatory accounts must be promptly deleted.

The following derogatory account allegations are either untrue, incorrect, incomplete untimely not my responsibility or otherwise not proven compliant to regulartory federal reporting laws and or standards and MUST be removed immediately.

The infraction are as follows : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX along with the XXXX  XXXX credit inquiry Also Ive notice two different dates of last activity along with two different last payment, two different dates of last payments, two different dates of opening account. Which are inaccurate information according to FCRA.

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 2024-01-29 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: MI

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 2024-01-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Gemini Direct LLC, dba Credit Innovation Group
State: WV

Complaint narrative:
I started paying for my rent to be reported to the credit reporting agencys and dispute some charges on my report back in XXXX of XXXX. Rent was never reported and as far as I can tell no disputes have not been filed. Talked to XXXX XXXX a few times. The last being on XXXX Asked for proof of work done got a email that would not download screen shot of supposed work done

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Center, LLC
State: CT

Complaint narrative:
I have repeatedly my registered mail requested debt verification from this company " Credit center , llc ''. They have never responded to me and I have followed up informing them that they in fact failed to respond and again received no response. I have US Postal receipts that all communications were received by them and I have never received anything in return either verifying the debt or explaining why they have failed to. 

original request for debt validation signed for by credit center Inc XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Failure to respond notice Signed for by credit center Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Most recent XXXX XXXXo respond notice sent XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
THE HEREIN MENTIONED DATA FURNISHER AND/OR FINANCIAL INSTITUTIONS USED DECEPTIVE AND UNFAIR METHODS TO OBTAIN CONSUMERS CONSENT TO DISCLOSE PRIVATE, NONPUBLIC FINANCIAL INFORMATION TO THIRD PARTIES WHICH INCLUDE BUT NOT LIMITED TO XXXX XXXX XXXX XXXX, AND XXXX AFTER FRAUDULENTLY OBTAINING CONSENT THE HEREIN MENTIONED DATA FURNISHERS, CREDITORS, AND OR FINANCIAL INSTITUTIONS THEN USED THE CONSUMERS IDENTIFYING INFORMATION TO FURNISH INFORMATION TO CONSUMER REPORTING AGENCIES, BREACHING

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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:
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.

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 2024-01-29 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: MI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
It has come to my attention that accounts US DEPARTMENT OF EDUCATION XXXX & XXXX are at the 7 year Running of Reporting Period on my TransUnion Consumer Files. This is an Action for the Pre removal permanent Deletion due to Knowledge of 1st day of Delenquency and Collections status being at least 180 one hundred and eight days prior of being sold by XXXX XXXX, 2017. 
Pursuant to cfr 605 ( a ) ( 4 ) ( 5 ) ( C ) ( 1 ) fcra ( 1681 ( a ) ( 4 ) ( 5 ) ( C ) ( 1 )

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, XXXX and Capital One Auto Finance ran my credit without my knowledge and permission and add a hard inquiry to my account On XX/XX/XXXX, I bought a XXXX car financed with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
Open card but they want send to my po box like All my other cards because I don't get mail here at my house and they said I only have three months to use it all day going to close my account and if they do that it will affect my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation