vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX - I contacted Chase Fraud Department to report multiple unauthorized fraudulent charges on my Chase credit card ending in " XXXX '', and that this card was no longer in my possession as well as my US Passport and XXXX Driver License that were also stolen. These fraudulent charges are too numerous to enumerate in this description and span across the months of XX/XX/XXXX through XX/XX/XXXX. Chase agents have however made cursory analyses and stated these amount to approximately {$10000.00} in unauthorized charges. 

XX/XX/XXXX - I received a letter from Chase ( SEE ATTACHED ) stating general actions taken. It is worth noting that this is the only letter from Chase I have received as of today XX/XX/XXXX, which does not even illustrate a complete accounting of all fraudulent charges, which would have greatly assisted me in providing CFPB with a more accurate figure of charges. 

XX/XX/XXXX - Despite me providing them REPORT NUMBER : XXXX ( SEE ATTACHED ) with my local police department, XXXX XXXX XXXX Police Department ; providing them updates on the due diligence I did reaching out to merchants involved in these unauthorized transactions whose contact info are available thru chase ; and providing them phone and email accounts of what had transpired, as well as clearly and validly establishing ( via email and phone call ) that the card in question was no longer in my possession and was used fraudulently, Chase Fraud Team still notified me that the temporary credits they implemented on my account will be lifted and charged back to my credit card permanently. They did NOT provide substantial, definitive and clear explanations as to why they deemed me responsible for more or less {$10000.00} worth of charges, and only resorted to speculative arguments such as me not reporting these charges sooner. Needless to say, I am appalled and I find this ruling unacceptable, especially for that astonishing amount of money I do NOT have. I have pleaded over the phone for reconsideration and recommendations on how to further establish my non-responsibility over this gross amount of fraudulent charges, but the agent simply stated that I could " pay it over time '' which is insulting and not at all helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 has violated my rights. I looked at my Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are not supposed to 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 2024-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Capital Accounts, LLC
State: MD

Complaint narrative:
XX/XX/XXXX I talked to agent XXXX ID number XXXX about changing my due date because I never get paid on the date they asking me to do that's how I keep getting late fees I'm never going to be able pay this account off are bring it up to date I've received my social security payments around XXXX and XXXX each month not the XXXX like the current due date my the way this account is closed

Company response to consumer: Untimely response
Consumer complaint received 2024-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : 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 All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).

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 2024-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally request the removal of an inaccurately reported charged-off account with Kohls Account XXXX XXXX from my credit report. The account in question is being inaccurately reported in violation of the Internal Revenue Code and Fair Debt Collection Practices Act. According to the Internal Revenue Code, charged-off accounts are considered certificates of indebtedness and should be classified as income. As income can not be reported on a consumer report as a debt, the current reporting of this account constitutes inaccurate and misleading information on my credit report. The specific sections of law that support my claim include : Internal Revenue Code Section 61 ( a ) : This section defines gross income, including income from discharge of indebtedness. A charged-off debt should be reported as income, not as an outstanding debt. Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) ( 1 ) ( B ) : This section mandates that furnishers of information, such as Kohls Account XXXX XXXX, must not report information that they know or have reasonable cause to believe is inaccurate. Fair Debt Collection Practices Act ( FDCPA ) Section 1692e : This section prohibits false, deceptive, or misleading representations in connection with the collection of any debt. Additionally, I have not received the Form 1099-C, which is required for me to properly remit my taxes for the discharge of this debt. This oversight further emphasizes the inaccuracies in the reporting of this account. Due to these inaccuracies, I request that this charged-off account be promptly removed from my credit report. This adjustment will ensure the accuracy of my credit report and compliance with the applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: CA

Complaint narrative:
There are certain accounts that have been reported inaccurately on my credit report. These inaccuracies are significantly impacting my credit score, causing it to decrease. It is crucial that immediate action is taken to address this issue. I kindly request that these inaccuracies be promptly blocked, removed, or corrected through appropriate measures. This is essential to ensure the accuracy of my credit profile and to prevent any further negative consequences on my financial standing.

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 2024-07-23 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: DE

Complaint narrative:
I am writing to dispute inaccurate information that appears on my credit report. Upon reviewing my credit report I have identified a charge off account from XXXX XXXX XXXX that is being reported, which is in violation of the fair credit reporting act. This XXXXXXXX XXXX XXXX account is incomplete and inaccurately reporting on my credit report which is against the law to unfairly represent inaccurate information. The account says charged off but there is a balance of XXXX and a credit limit of XXXX reporting. There cant be a credit limit on a closed charged off account. There is no credit to use. The account info says last payment was on XXXX XXXX. But, the payment history shows XX/XX/XXXX and XX/XX/XXXX as paid on time. The account info says that the account was opened on XXXX XXXX but the payment history is only showing from XX/XX/XXXX- XX/XX/XXXX. All this information is contradicting and inaccurate. Please remove this XXXXXXXX XXXX XXXXXXXX account from my credit report immediately. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: DE

Complaint narrative:
I am writing to dispute inaccurate information that appears on my credit report. Upon reviewing my credit report I have identified a charge off account from XXXX XXXX  XXXX that is being reported, which is in violation of the fair credit reporting act. This XXXX XXXX XXXX account is incomplete and inaccurately reporting on my credit report which is against the law to unfairly represent inaccurate information. The account says charged off but there is a balance of XXXX and a credit limit of XXXX reporting. There cant be a credit limit on a closed charged off account. There is no credit to use. The account info says last payment was on XXXX XXXX. But, the payment history shows XX/XX/XXXX and XX/XX/XXXX as paid on time. The account info says that the account was opened on XXXX XXXX but the payment history is only showing from XX/XX/XXXX- XX/XX/XXXX. All this information is contradicting and inaccurate. Please remove this XXXXXXXX XXXX XXXX account from my credit report immediately. Thank you

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 2024-07-23 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX  which falls under XXXX according to XXXXDebt Final Rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which is only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of an inaccurately reported charged-off account with XXXX XXXX  XXXX XXXX from my credit report. The account in question is being inaccurately reported in violation of the Internal Revenue Code and Fair Debt Collection Practices Act. According to the Internal Revenue Code, charged-off accounts are considered certificates of indebtedness and should be classified as income. As income can not be reported on a consumer report as a debt, the current reporting of this account constitutes inaccurate and misleading information on my credit report. The specific sections of law that support my claim include : Internal Revenue Code Section 61 ( a ) : This section defines gross income, including income from discharge of indebtedness. A charged-off debt should be reported as income, not as an outstanding debt. Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) ( 1 ) ( B ) : This section mandates that furnishers of information, such as XXXX XXXX XXXX XXXX, must not report information that they know or have reasonable cause to believe is inaccurate. Fair Debt Collection Practices Act ( FDCPA ) Section 1692e : This section prohibits false, deceptive, or misleading representations in connection with the collection of any debt. Additionally, I have not received the Form 1099-C, which is required for me to properly remit my taxes for the discharge of this debt. This oversight further emphasizes the inaccuracies in the reporting of this account. Due to these inaccuracies, I request that this charged-off account be promptly removed from my credit report. This adjustment will ensure the accuracy of my credit report and compliance with the applicable laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: Solar Mosaic LLC
State: CA

Complaint narrative:
The name of the company is MOSAIC. Their XXXX XXXX XXXX XXXX XXXX AZ XXXX I had work done on my house 2 years ago for about {$25000.00}. I pay the bill on time on their website : XXXXmosiacXXXX their phone number is : XXXX. I usually pay 2 days in advance, sometimes several days earlier. The Payment is due on the XXXX each month. If payment is 10 days late its {$10.00} fee. On XX/XX/XXXX at XXXX I paid the bill but the system read that it would not be available as it would be down for maintenance. I immediately paid the bill at that time. On Sunday I went on line again and their website said I hadn't paid my bill and was a day late. several times while on the website required me to acknowledge that I was aware the XX/XX/XXXX maintenance was over, I paid the bill again thinking that the maintenance must have wiped my payment On Monday I went on line again and the website said I was two days late on my payment so I went to the payment portion and although of my payment history it showed I made a payment on XX/XX/XXXX and on XX/XX/XXXX. I went to my bank and neither payment was listed as pending, I called the company ( Mosaic ) and asked them to stop the second payment. The woman put me on hold and said her supervisor said they wont do that but after they receive it I can ask for a refund which takes about 30 days to send a check. They recommended that i just leave as the next months payment. Finally the lady said it was up to my bank to reverse it so I did that, now Mosaic charged me a {$10.00} fee. I think the fee is inappropriate especially since their delay cost me a {$35.00} late fee on my XXXX XXXX  because I was over 5 days late paying my bill as my bank account was overdrawn from the overdraft caused by the double XXXX payment Mosaic improperly charged me their lying website that should have informed that my payment was pending, not late!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: MI

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted : 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 non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
My credit report is showing a collection from Caine Weiner Company account number XXXX. I never received written notification about this debt, which made it impossible to dispute on my behalf. I am requesting debt validation, 15 U.S. code 1692 ( g ) in this debt validation should be a detailed list of history of payments made by me on this account, I want to know has there been any insurance claim filed on this account, the original contract between myself and the creditor with my signature on it guaranteeing that I pay this debt, I want to see proof that you have a chain of title to collect on this debt. This collection is also beinf reported as paid off with a {$0.00} balance but yet is in collections please remove this inaccurate account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
synchrony bank randomly pulled my credit report without my permission. Then, as of XXXXXXXX XXXX XXXX, they closed the account. The accou t was in good standing and never missed a payment. Unfortunately, while they are pulling my credit without my permission, they are affecting my credit score. I talked to 2 different individuals today and they stated they are allowed to pull my credit report at their discretion without my permission. I do have a number of other credit cards, however, it has never affected my abilities to pay the account. Now the accou t has a balance. I can't pay it online and the only way to pay the balance is to call them. When doing so, the rep told me they would charge me a fee everytime. According to federal law, they can not pull my credit without my permission and they can't close the account without my permission unless the account t is delinquent. Which, it is not.

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 2024-07-23 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:
There are certain accounts that have been reported inaccurately on my credit report. These inaccuracies are significantly impacting my credit score, causing it to decrease. It is crucial that immediate action is taken to address this issue. I kindly request that these inaccuracies be promptly blocked, removed, or corrected through appropriate measures. This is essential to ensure the accuracy of my credit profile and to prevent any further negative consequences on my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: TX

Complaint narrative:
I have noticed that there were additional inquiries on my credit report. I carefully checked whether I have authorized them and I came to the conclusion that I DID NOT. Why? It's because I HAVE NO IDEA REGARDING THOSE INQUIRIES. I DID NOT AUTHORIZE THEM TO BE PLACED ON MY CREDIT REPORT NOR I EVER DID APPROVE THEM so please kindly check the documents I've sent regarding those.

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