vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On the night of XX/XX/XXXX, I was out XXXX  in XXXX, XXXX. I ended up getting XXXX and my phone being stolen and accessed. I was XXXX for about XXXX hours and XXXX for a whole day. 

On XX/XX/XXXX, while I was XXXX the thieves managed to access my phone and " authorize '' a wire transfer of {$5000.00} from my Chase account that went through successfully. There was also other transactions via XXXX that totaled to another + {$5000.00} that was deemed suspicious by Chase and therefore blocked. ( I no longer have transaction history of these blocked transactions due to disconnecting the associated phone number for the XXXX account. ) Since then I have sent documentation ( police report ) on XX/XX/XXXX which they claimed they have not received. I resent the police report on XX/XX/XXXX and did not get any updates until I called today XX/XX/XXXX. 

When I called on XX/XX/XXXX, they informed me that my fraudulent claim was indeed an authorized transaction despite not being XXXX  during the the transaction and my phone being stolen. How come the wire transfer is authorized but the other amounts were suspicious and denied? 

Also I would like to highlight Chase ' Zero Liability Protection Zero Liability Protection Zero Liability Protection means you won't be held responsible for unauthorized charges made with your card or account information. If you see an unauthorized charge, simply call the number on the back of your card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: TX

Complaint narrative:
I received updated paperwork form Transunion, however, they did not provide any proof that I made a 30 day late payment. The only showed the current credit report filing. I'm demanding actual proof that I have a 30 day late on the XXXXXXXX XXXX XXXX XXXX that closed back in XX/XX/year>. I also attached proof that I have never been late on a payment. 

I'm demanding documentation proving of the 30 day late payment reporting on my credit report for XXXX XXXX. This account was closed in XXXX I have never been late on any payment and this was added in error. My credit report shows exceptional in no late payments except this error. I demand this is removed. The document Transunion provided just stated they weren't removing the 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 non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THIS XXXXXXXX XXXX CHARGED-OFF ACCOUNT WITH A BALANCE OF {$1300.00} IS FRAUD AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 
I NEVER OPENED THIS FRAUD ACCOUNT AND NEVER LIVED AT THIS ADDRESS ON FILE FOR THIS CARD. 
DELETE THIS INACCURATE FRAUD COLLECTION CHARGED-OFF FROM MY CREDIT REPORT BY LAW. 


XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRY DATE : XX/XX/year> DELETE THOSE FRAUD INQUIRIES 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 explanation
Consumer complaint received 2024-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

XXXX XXXX : XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024

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 2024-02-23 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: CL Holdings LLC
State: MS

Complaint narrative:
Jefferson Capital Systems File # XXXX On Tuesday XX/XX/year> I noted that an incorrect adverse entry had been added to my XXXX credit report. The report was added by Jefferson Capital Systems of XXXX, MN. The original creditor was listed as XXXX XXXX in the amount of {$560.00}. I contacted Jefferson Capital Systems and spoke with XXXX ID XXXX and indicated that the item was not mine. I also contacted XXXX ( formerly XXXX ) and they indicated that I did not have any old accounts with their organization. 

I submitted a dispute via XXXX XXXX, and noted that the item was removed. However I just checked my report at XXXX XXXX again and noted that the same item was now added to my XXXX credit report. Mind you, this was all without ever even contacting me first. I would like for Jefferson Capital Systems to remove this incorrect entry entirely from all applicable credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 2024-02-23 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: IL

Complaint narrative:
I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.

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 2024-02-23 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-23 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-23 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: CA

Complaint narrative:
I just received an alert from my 3 credit bureaus letting me know a collection agency by the name of XXXX XXXX XXXX is reporting negatively on my XXXX, Equifax, and XXXX XXXX Credit report. When I got access to my 3 bureau credit report, I noticed that they collecting on behalf of XXXX XXXX I immediately called XXXX and spoke to a rep by the name of XXXX, XXXX ID XXXX XXXX. I informed XXXX that I've never had any account with their company. He asked for my first and last name and social security number. I gave him my personal information and he was able to confirm that this account was a cancelled account and I owe no money to them. I then informed him that a collection agency by the name of XXXX XXXX XXXX is negatively reporting on my 3 bureau credit report that I owe them money and that they are collecting on behalf of XXXX XXXX The rep told me to reach out to this collection agency immediately because they are reporting a false account on my credit report which I owe nothing and ask them to remove this account immediately. 
When I called XXXX XXXX XXXX, prior to speaking to anyone, their system asks you to input your social security number in their system so that they can pull up any account associated with my social security number. When I inputted my full social security number, their system confirmed I do not have any account with their company. But I still wanted to speak to one of their agents because its reporting on my XXXX, Equifax and XXXX XXXX Credit Report. 
The agent 's name I spoke to is XXXX, Employee Number : XXXX. He is a supervisor with XXXX XXXX XXXX. He asked for my last XXXX of my social security number. I gave it to him and he immediately said he is collecting on behalf of XXXX XXXX So I asked if I could give him my full social security number instead of my last XXXX of my social security number. He refused to accept my full social security number. So I asked him if we could get XXXX on the phone so that they can tell him that I never had a XXXX  account and I owe XXXX no money. He refused to call them but instead he said he wanted to file a fraud case instead. So I asked XXXX what fraud was committed besides his company illegally representing XXXX as their client which their claiming to attempt to collect on behalf of because I owe XXXX no money at all . He responded with, " This is our process ''. 
Below is the account information of this fraudulent collection agency grossly overstepping their authority by falsely representing XXXX as their client which their collecting on behalf of : XXXX XXXX XXXX - XXXX they claim I owe : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I was trapped in a financial fraud and experienced a financial hardship. That is the reason I got 10 months behind and I applied for a loan modification on XX/XX/XXXX. I received a letter from Loan Depot requesting for additional documents. My loan modification application was approved on XX/XX/XXXX. On XX/XX/XXXX I received a Home Equity Line of Credit Account Statement indicating Amount Past Due is {$7800.00} and Amount Due This Billing Cycle is {$810.00}, and minimum payment is {$8600.00}. On XX/XX/XXXX, I mailed Cashier 's check with the amount of {$8600.00} to Loan Depot LLC. This statement includes the following transactions : Transaction Date Payments an Other Credits Amount XX/XX/XXXX Attorney Corporate Advance Disbursement {$470.00} XX/XX/XXXX Attorney Corporate Advance Disbursement {$470.00} XX/XX/XXXX Attorney Corporate Advance Disbursement {$5.00} XX/XX/XXXX Attorney Corporate Advance Disbursement {$5.00} XX/XX/XXXX Attorney Corporate Advance Disbursement {$900.00} XX/XX/XXXX Attorney Corporate Advance Disbursement {$40.00} XX/XX/XXXX Attorney Corporate Advance Disbursement {$470.00} XX/XX/XXXX Attorney Corporate Advance Disbursement {$320.00} On XX/XX/XXXX, I called the XXXX XXXX XXXX  located XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX at ( XXXX XXXX XXXX XXXX notifying the attorney 's office that I had applied for the loan modification and the Loan Depot is reviewing my application. 

To my surprise, today ( XX/XX/XXXX ) I received a letter dated XX/XX/XXXX from Loan depot, indicating that the total amount due on my loan is {$4900.00} named as Corporate Advance. How this amount of money comes out? They knew my loan modification application was approved on XX/XX/XXXX but still keep on charging me for free money?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 


Account name : XXXXXXXX XXXX  Account number : 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 2024-02-23 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 


Account name : XXXX XXXX Account number : 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 2024-02-23 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: FL

Complaint narrative:
I have not made these accounts and strongly suspect they are scams.

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 2024-02-23 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: Rent Recovery Solutions
State: GA

Complaint narrative:
RENT RECOVERY SOLUTIONS IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA ON ACCOUNT : [ XXXX XXXX XXXX ] -- - RENT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XX/XX/XXXX NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-23 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
The Citizens Bank mobile app and website do not work. I have been unable to log in to the mobile app for months. On web, I can log in, but my account information does not display. The webpages to transfer money in and out are entirely broken. Because my relationship with the bank is paperless, I wasn't able to get my account or routing numbers to move money out. Citizens continued to charge me service charges for 7 months during this time. When I was finally able to get in touch with an agent, they told me they couldn't do anything about the service charges, and said it was essentially my fault : I could have " tried harder '' to use the money in the account via ATM or going into a local branch. While I understand the service charges are listed in the user agreement, I had absolutely zero visibility to how much money was in my checking account. I was not receiving statements from Citizens, and I did not have access to my online account due to Citizens ' technological issues across platforms. I had signed up for Citizens online, under the premise that I could use the bank online. That Citizens Bank had a broken web XXXX for over seven months, and then blamed their customer for not working harder to use Citizens ' banking services, is very predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-23 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: CL Holdings LLC
State: GA

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : jefferson capital Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: TX

Complaint narrative:
This debt was closed and removed over seven ( 7 ) years ago. XXXX went out of business when it was acquired by XXXX XXXX 2020. Prior to the acquisition, this debt was dropped by XXXX. The debt was removed from my credit profile of all XXXX credit reporting agencies. I've submitted a request from Jefferson Capital Systems , LLC ( via certified mail ) asking them to validate the debt by providing me with the original purchase agreement between Jefferson Capital Services and XXXX that shows they are the legal owners of this debt. I've also asked them to provide the latest bill statements that show the servise was used by XXXX in the last seven ( 7 ) years, all to no avail.

Company response to consumer: Closed with explanation