vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: NJ

Complaint narrative:
Credit Control is charging {$1200.00} to collect a debt from XXXX. 
But I have never opened an account with XXXX. 
This is a fraudulent account. 


Account Number - XXXX Reference 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 2024-05-05 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: PA

Complaint narrative:
THE INFORMATION ATTACHED TO THIS COMPLAINT IS IDENTIFIED AS IDENTITY THEFT AND IS NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THESE CHARGES. I AM REQUESTING YOU BLOCK AND DELETE THE INFORMATION. MY REQUEST IS NOT MADE IN ERROR NOR IS MY REQUEST IS RESULT OF MISREPRESENTATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
I am not liable for this debt with Pacific Credit Services. I do not have a contract with Pacific Credit Services. They did not provide me the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: PA

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. 

Please remove the following fraudulent items. Accounts : 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 non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GFS II, LLC
State: GA

Complaint narrative:
Gateway financials since XX/XX/2024, has not complied with the 15 US code 1681s ( a ) ( b ). the account furnished on my consumer report with all three consumer reporting agencies has been disputed with the appropriate documentation stating, " the transaction acquired I didn't have knowledge of '' plus my I.D . verification and an FTC identity theft report. this company has by law must cease furnishment of this debt information to all consumer reporting agencies until given consent from me or has undeniable information to prove that I received the goods and/or services. this information can not be any information used to furnish the account on my consumer report before the identity theft claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Deinde Online Services, LLC
State: TX

Complaint narrative:
Sunday, XX/XX/year>. Requesting {$2000.00}. This COMPANY did not give me a reason of why I can not get a {$2000.00} dollar loan. I make enough money to make the monthly payments in order to repay the loan back, so there should be no excuse as to why I should not be able to get a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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:
In accordance with the Fair Crediting Reporting Act this creditor ( XXXX XXXX XXXX XXXX Acct # XXXX ) has violated my rights under 15 USC 1681 section 6.2 states. I have the right to privacy ( 15 USC 1681 ) section 604a section 2. It also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.

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 2024-05-05 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: PA

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. 

Please remove the following fraudulent items. Accounts : 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 INQUIRIES : 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 2024-05-05 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: PA

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. 

Please remove the following fraudulent items. Accounts : 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 INQUIRIES : 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 non-monetary relief
Consumer complaint received 2024-05-05 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 information in the attached file is my most current personal information per FCRA and Metro 2 compliance reporting standards. If what you have on file for me doesn't match what's listed, there are problems with either your records or those who provide them for verification purposes. My profile must be accurate and thorough in order to comply with FCRA and Metro 2 compliance regulations. You must furnish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
I had Chime Financial mail a check to my landlord on XX/XX/XXXX for the amount of {$2000.00}. 

XXXX XXXX ( my landlords bank ) returned the check due to their own processing issue. Chime keeps saying it was cashed even though I went to XXXX XXXX and they are showing me it was returned. 

The money was never cashed and they can not provide any proof that it was cashed and they have been running me in circles after Ive given them documentation showing it was a returned check. 

Nobody on their back office team seems to be able to provide info and theyre only sending generic emails saying its cashed. 

Neither my landlord has his rent money now and I havent been able to get my money back either. 

Upon looking at the check it looks like they debit the account immediately and then cut the check from a XXXX XXXX XXXXXXXX account of their own to which my returned money is most likely sitting in. I just want my money back please

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Dear CFPB representative, I hope this message finds you well. 

My name is XXXX XXXX and I am an owner of the account of XXXX, XXXX at Chase bank. 
I am writing to urgently address a critical issue concerning payments made by my tenant via XXXX through XXXX XXXX XXXXXXXX to my Chase account. Unfortunately, despite those payments being debited from the tenant 's account, totaling {$10000.00}, they have not reached my checking account. 

Here are the specific details of the missing XXXX payments : Date Confirmation Code Amount XX/XX/year> - XXXX - {$1500.00} XX/XX/year> - XXXX - {$1900.00} XX/XX/year> - XXXX - {$1900.00} XX/XX/year> - XXXX - {$1900.00} XX/XX/year> - XXXX - {$1900.00} XX/XX/year> - XXXX - {$830.00} Me and my tenant have taken the following steps to resolve this matter : - Contacted XXXX XXXXXXXX XXXX and submitted claims to investigate the missing payments. 
- Received feedback from XXXX XXXX XXXXXXXX stating that the funds were transferred and posted, and they advised to contact the recipient ( Chase ). 
- I have independently contacted Chase bank and confirmed that no payments corresponding to the above dates, confirmation codes, and amounts have been received. However, Chase 's notification system emailed me with confirmations on receiving funds through XXXX for all transfers specified above. 

Attached to this email, you will find documentation including completion letters from XXXX XXXX XXXX 's research, XXXX confirmation emails and Chase statements. 

I kindly request assistance from the Consumer Financial Protection Bureau ( CFPB ) to facilitate the resolution of this matter with Chase Bank. My aim is to ensure that the missing payments are promptly delivered to my Chase checking account or recovered and made available for immediate resending. 

Should you require any additional information or documentation to expedite this matter, please do not hesitate to contact me at your earliest convenience. 

Thank you sincerely for your prompt attention and cooperation in resolving this pressing issue. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed my credit reports with XXXX, XXXX, XXXX TRANSUNION and discovered several inaccuracies that are negatively impacting my creditworthiness. Specifically, incorrect personal information including addresses, incorrect employer information, as well as erroneous, inaccurate, and incomplete account information including : account number, account type, high credit, date of last activity, payment history, number of months ( terms ), and date last reported. These inaccuracies have resulted in adverse consequences such as being denied credit, unfavorable loan terms, and experiencing financial hardship due to limited access to credit. 

Attached to this complaint is a copy of my credit report from MyScoreXXXX highlighting the inaccuracies and discrepancies on my XXXX, XXXX, and TRANSUNION consumer reports, as well as additional supporting documentation noting the denial of credit and unfavorable loan terms instated as a result.

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 2024-05-05 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: GA

Complaint narrative:
I submitted a complaint regarding my identity theft claim on XX/XX/2024. I received a response from the credit bureaus stating that they will not comply with section 605B ( 15 U.S.C 1681 C-2 ) which states that they are to BLOCK these fraudulent accounts off of my reports within FOUR days of receipt of the letters that I forwarded to them via CFPB. I have not seen any change to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: NY

Complaint narrative:
My information was compromised during the Equifax Data Breach. I attempted to have falsely reported information removed on XX/XX/2024 by contacting the company directly. XXXX XXXX has yet to remove the data being reported to multiple CRA 's in the amount of {$25000.00}. I am a victim of identity theft and have yet to receive a written validation notice by any of the aforementioned companies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: CA

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. 


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 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 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 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 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 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.

15 U.S.C. 1681, Section 602A states : I have the right to privacy.

15 U.S.C. 1681, Section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 or any other adverse item of information, other than records of convictions of crime that antedate 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 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Earlier this year, I received an invitation email from XXXX about XXXX credit card application, sent to the email address linked with my XXXX membership account. One of the terms of the offer was " XXXX Bonus Points after spending {$3000.00} on purchases within the first 3 months. '' This offer concluded on XXXX. Using the link provided in the email, I submitted my application before that deadline. Chase serves as the partner card issuer for XXXX. Although my application was initially pending for a few days, it was ultimately approved by Chase. 

Upon meeting the spending requirement, I discovered that only XXXX points had been deposited into my XXXX account. I promptly contacted Chase regarding this discrepancy. Initially, they denied having extended such an offer to me. I provided the email I had received as evidence. Subsequently, they contested the ownership of the email and requested further proof. In response, I provided a snapshot of my XXXX account, clearly displaying that the email recipient matched my name. Despite this evidence, Chase refused to honor the terms of the offer, which I find unacceptable. 

It is unjust that they advertised a promotion yet failed to deliver on its terms, thereby providing me with an inferior offer. This behavior is not only unethical but also undermines the trust between consumers and financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland management company. I didn't know .l gave car 4 to 5 years ago. I couldn't pay for it had XXXX XXXX on XXXX. Now they took my money and l didn't know till l went to buy some food and find out they took my money out the bank.

Company response to consumer: Closed with explanation