vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Om XX/XX/XXXX mailed a to Equifax XXXX and XXXX regarding information about inaccuracies on my credit report here is the letter that were sent and no response back. 
I've also sent proof from the courts showing don't report to the agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, District of Columbia XXXX Previous address : XXXXXXXX XXXX XXXX XXXX  XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Attn. : Consumer Relations XX/XX/XXXX To Whom It May Concern, I have previously disputed this item with you XXXX and in the response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 16811 ) and the information must be deleted immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract all accounts that you post on a credit report. 

Please see my reasons for dispute below : XXXX  XXXX Bankruptcy Case Number : XXXX Please delete from my account immediately.

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase advertises and told me personally when I opened the checking account that I would receive {$200.00}. I told the lady thats the only reason I was at Chase was to receive the {$200.00}. She led me to believe that it would automatically happen. I opened the account in XX/XX/2022. In XX/XX/2022 I still did not receive the {$200.00}. I went to the bank and spoke to the same lady that opened my account and she admitted that she withheld information about the bonus. She said she wasnt allowed to tell me anything and that it was too late to get the money now. She told me what I would have had to do. If it was a secret why was she revealing it to me now? Just because it was too late? I told her because I said the only reason I was at Chase was the {$200.00}, she should have told me then. At the time I opened the account she definitely told me everything was fine. She blatantly lied to me and deceived me. Its a shame how Chase trains their employees to be deceitful in their business practices and that their are people who comply. Why cant I trust a bank-Chase-to treat me with honesty and respect? Is there a banking institution that I can trust to be honest? Please help me. Thank you-XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Racketeer Influenced and Corrupt Organizations Act all party ( XXXX ) mentioned are involved in such activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX sent a bill to collections in XXXX of XXXX. They did not process the billing through insurance. A dispute was sent to XXXX XXXX XXXX and the collection agency, XXXX XXXX XXXX XXXX XXXX XXXX contacted me after the dispute letter on XX/XX/XXXX, to state that the insurance would not cover the medical equipment because I was not using the machine. I use the machine every night and they had not requested the information from the machine to provide to the insurance. I visited there office on XX/XX/XXXX, with the SD cards from the machines and had them download the information needed for insurance. I also had them print copies for myself. After this date, there was no further contact from XXXX XXXX XXXX. Now I have a new collection bill for the same original amount from a new collection agency, SIMM Associated, INC. They have failed to validate the debt owed and to provide my amount owed versus what insurance should have been billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
XXXX BANK XXXX recently checked my Experian credit file for an installment loan or new bank account on XX/XX/2022. I do not recognize this inquiry nor did I apply for any loans or banks accounts through them or any other company. I tried contacting the company directly and could not get through. 

Source : Experian Company : XXXX BANK XXXX Address : XXXX XXXX XXXX XXXX, XXXX, ND XXXX Phone : ( 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 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX I sent Experian a dispute about a Collection/Charge off account from XXXX XXXX XXXX that is being reported on my credit report with unvalidated and inaccurate information. I informed Experian that this Collection/charge-off account with a past due balance of {$600.00} was never verified and I asked numerous times to send me signed proof that this collection is valid for {$600.00} also that the account status never changed its still reporting Account not disputed. I have sent numerous disputes thru certified mail /on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have to give Experian over 6 months to remove this unverified and inaccurate item that XXXX XXXX XXXX is reporting on my credit report. So as of today XX/XX/XXXX, this collection is still reporting on my credit report and I have never gotten a response from Experian. I will attach all the dispute letters regarding this inaccurate reporting and the certified mail receipts as proof of my very dedicated effort to get this removed 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 2022-07-03 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: CA

Complaint narrative:
This complaint pertains to a string of fraudulent ATM withdrawals from my Chase College Checking Account, using stolen information from my debit card. 

Originally, I had received a text form Chase indicating fraudulent activity on my account. I texted back saying I had not withdrawn any money, and they said they would send me a new card, which I never got. Someone had compromised my account and changed my home address and contact information, so the replacement card was sent to an address in Florida without my knowing. This can be seen in the address field of the XX/XX/2020 bank statement attached ( home address at the time was in XXXX, CO ; you can see the address changed between XXXX and XXXX ). 

I then experienced a number of withdrawals from my account from various ATMs around Florida, totaling upwards of {$7000.00} all without me knowing. I found out when I eventually checked my statements. 

I raised a complaint to Chase, who came back and said my card with chip had been used, so they had no way to prove I was not the one who made the withdrawal, even though one of the withdrawals was at a Chase bank branch. I appealed the decision with additional supporting documentation from my employer ( attached badge scan information, I also offered to provide further proof of location ) to prove I was nowhere near Florida at the time of any of the withdrawals. This appeal was denied as well for the same reasons. I finally raised a third complaint in person at Chase, and they treated it as an " escalation, '' also to no avail. This has been a very frustrating experience that has taken many hours of my personal time to contest. 

I believe this case was treated without serious investigation and without urgency, and it goes against Chase 's customer protection policies. Additionally, this problem was a failing of their security systems, and there has been no acknowledgement of this. This money was stolen while in graduate school and made a big difference in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
My Home Depot credit cards were stolen from my wallet. The person who took my cards charged about {$20000.00} to them. I contacted Home Depot and was told that it looked like he was an authorized user because he signed all the receipts. I was the only authorized user.I was trying to return the items that I had found for credit to the account. Then someone broke into my storage building and stole most of the tools that were purchased. At the time my son was sick. I was working full time and taking care of my son after work. My son has since passed. I turned one account ( about {$12000.00} ) over to debt consolidation trying to get to the point of a settlement for things I didnt purchase. Now I have a court date because of this debt that I dont feel I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Racketeer Influenced and Corrupt Organizations Act all party ( XXXX ) mentioned are involved in such activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XXXX XX/XX/XXXX mailed a to XXXX XXXX and Transunion regarding information about inaccuracies on my credit report here is the letter that were sent and no response back. 
I've also sent proof from the courts showing don't report to the agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX Previous address : XXXXXX/XX/XXXX, XXXX,XX/XX/XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Attn. : Consumer Relations XX/XX/XXXX To Whom It May Concern, I have previously disputed this item with you XXXX and in the response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 16811 ) and the information must be deleted immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract all accounts that you post on a credit report. 

Please see my reasons for dispute below :XX/XX/XXXX XXXX Bankruptcy Case Number : XXXX Please delete from my account immediately. 



I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, 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 2022-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
went into forbearance with Bank Of America. I sold the house and was charged XXXX. at the payoff.

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 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the below accounts have violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


Subject Accounts : XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX : account # XXXX XXXX  : account # XXXX XXXX XXXX XXXX  : account # XXXX XXXX : account # XXXX XXXX : account # XXXX XXXX : account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the below accounts have violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


Subject Accounts : XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX : account # XXXX XX/XX/XXXX: account # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXX : account # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXX : account # 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 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. An XXXX XXXX XXXX XXXX XXXX that is now closed was made in my name with my information and also a closed account with XXXX XXXX XXXX  XXXX, along with a XXXX XXXX XXXX collection which doesnt appear on my Experian or XXXX XXXX reports. 

XXXX XXXX XXXX XXXX XXXX  account number is : XXXX It was opened on XX/XX/XXXX & is now closed. The account balance is {$240.00} The XXXX XXXX XXXX account number is : XXXX It was opened on XX/XX/XXXX, it is listed as an open account with a balance of {$280.00} The XXXX XXXX XXXX XXXXXXXX account number is : XXXX This account was opened on XX/XX/XXXX It is listed as a closed account with no balance. 

These accounts was opened at a address I DO NOT LIVE AT! NEVER HAVE!

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 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, 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:
Hello, Please be advised that you and the company ( XXXX ) are currently in violation of Section 4021 of The CARES Act by negativity reporting this adverse payment information. 

Please see the attached document provided by the CFPB in regards to this issue. 

Per The CARES Act ( Section 4021 ) helps consumers in several ways Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days. Prevents credit scores from being ruined by preventing adverse information being added to consumer credit reports and prohibiting credit score furnishes from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the COVID-19 pandemic. 

I kindly request you remove this negative reporting information from the period XX/XX/2022, as this time frame falls within the protected time frame under Section 4021 and multiple calls, messages and chats were sent to you letting you know of my financial hardship due to COVID-19. Not only did you fail to provide me correspondence in response to my query, you also failed to notify me of the delay in payment after I was hospitalized due to XXXX. 


I have contacted you and the merchant regarding this violation and have not received a response regarding my complaint. 

I will be forced to take further action should you fail to update this information regarding the negative reporting during the protected time frame. 

Thank you, 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 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, Please be advised that you and the company ( XXXX ) are currently in violation of Section 4021 of The CARES Act by negativity reporting this adverse payment information. 

Please see the attached document provided by the CFPB in regards to this issue. 

Per The CARES Act ( Section 4021 ) helps consumers in several ways Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days. Prevents credit scores from being ruined by preventing adverse information being added to consumer credit reports and prohibiting credit score furnishes from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the XXXX pandemic. 

I kindly request you remove this negative reporting information from the period XXXX XXXX as this time frame falls within the protected time frame under Section 4021 and multiple calls, messages and chats were sent to you letting you know of my financial hardship due to COVID-19. Not only did you fail to provide me correspondence in response to my query, you also failed to notify me of the delay in payment after I was hospitalized due to XXXX. 


I have contacted you and the merchant regarding this violation and have not received a response regarding my complaint. 

I will be forced to take further action should you fail to update this information regarding the negative reporting during the protected time frame. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello, Please be advised that you and the company ( XXXX ) are currently in violation of Section 4021 of The CARES Act by negativity reporting this adverse payment information. 

Please see the attached document provided by the CFPB in regards to this issue. 

Per The CARES Act ( Section 4021 ) helps consumers in several ways Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days. Prevents credit scores from being ruined by preventing adverse information being added to consumer credit reports and prohibiting credit score furnishes from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the COVID-19 pandemic. 

I kindly request you remove this negative reporting information from the period XX/XX/2022, as this time frame falls within the protected time frame under Section 4021 and multiple calls, messages and chats were sent to you letting you know of my financial hardship due to COVID-19. Not only did you fail to provide me correspondence in response to my query, you also failed to notify me of the delay in payment after I was hospitalized XXXX XXXX XXXXXXXX. 


I have contacted you and the merchant regarding this violation and have not received a response regarding my complaint. 

I will be forced to take further action should you fail to update this information regarding the negative reporting during the protected time frame. 

Thank you, 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