vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a credit balance of {$110.00} I told them NOT to send a check and to please leave the balance on the account to apply to my future charges. They refused and sent out the check. Over the past 6 months and THREE checks they claimed they sent I have not received one of them in the mail. They are liars and are trying to steal the {$110.00}. I have asked them to put the funds back into my account and they refused. I have asked them to directly deposit the funds into my CHASE checking account and they refused, I have asked them to XXXX OR XXXX the funds into my account and they have REFUSED. I am requesting the funds plus interest for the past 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Giggle Finance Inc.
State: MI

Complaint narrative:
I want to clarify that I fully intend to honor my debt obligations. This message is not a plea to avoid responsibility. 

Nevertheless, I believe it's important to mention the federal Fair Debt Collection Practices Act ( FDCPA ), which safeguards debtors from abusive tactics by debt collectors ( 15 U.S. Code 1692k ). I hope to invoke this protection to request that the current debt collector refrain from contacting me with threats and harassment while I am actively working toward resolving this issue. 

Despite my clear communication with the company regarding my commitment to repay the debt, they persistently contact me through various means, even resorting to messaging me from personal numbers at inappropriate times. Furthermore, they demand bank statements, which I can not provide due to the closure of my account. I am literally paying them any and all money as it comes in and I can not produce what I do not have. 

Moreover, amidst these challenges, I have just been XXXX from the hospital following treatment for a XXXX. Having no apparent risk factors, this health crisis was completely unforeseen. As such, my attorney is adamant about pursuing legal recourse to address the distress and damages incurred, especially considering the potential implication of the company 's involvement in precipitating the XXXX. I have not ruled this out, however, my paramount concern currently lies in recuperating from both the amazingly long and hard physical and financial blows dealt and I would like to resolve this out of court and as quickly as possible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-23 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: AZ

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
I do know about this debt. This debt was from my XX/XX/XXXX done by my insurance at the time. The insurance company wanted to pay the debt but the doctors office input the wrong code to get paid and was asked numerous times to submit the correct code for payment. I asked the debt collector the contact of the original debt holder but they refused. My job at the time insurance provided me with theXX/XX/XXXX because I was turning XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.

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 2024-05-23 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: LA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-23 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Debt Mediation, Inc.
State: SC

Complaint narrative:
I RECEVIED A COLLECTION LETTER DATED XX/XX/year> CALLED XX/XX/year> TOLD THEM I HAVE NEVER LIVED IN GEORGIA AND NEVER OF THE CITY AS WELL ( XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ) THEY WERE SUPPOSE TO CONTACT THE APARTMENT COMPLEX AND GET VERIFICATION IT WAS ME. CALLED TODAY XX/XX/year> TO PDM DEBT MEDIATION THEY HAVE NOT DONE ANYTHING TOLD ME TO FILE THIS AND CONTACT LAW ENFORCEMENT BUT I AM IN SOUTH CAROLINA SO AFTER GETTING NO WHERE I CALLED THE APARTMENT COMPLEX MYSELF SPOKE TO A LADY NAMED XXXX SHE FOUND MY NAME THEY HAVE NO INFORMATION ON ME OTHET THAN MY NAME. THE EMAIL THEY HAVE ON FILE WAS NOT MINE THEY HAD NO SOCIAL AND NO COPY OF DL FOR PROOF THAT IT IS ME. SHE SAID IT WAS WITH ANOTHER PERSON XXXX XXXX I THINK WAS THE NAME SHE WOULD NOT REPEART THE NAME AGAIN AND BASICALLY SAID IT WAS NAME AND ALOT OF PEOPLE HAVE THE SAME NAME. I WANT THIS ACCOUNT CLOSED AND PROOF SENT TO ME THAT IT WAS BEEN DONE AND I AM GETTING NO WHERE WITH THE COLLECTION COMPANY AND NOW APARTMENT COMPLEX THEY BOTH KNOW IT IS NOT ME AND THEY DO NOT HAVE ANY PROOF IT IS ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I don't recall having a contractual relationship with this collection company AMSHER COLLECTION SERVICES , INC.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas)
State: TX

Complaint narrative:
I don't recall having a contractual relationship with this collection company BerlinWheeler , Inc.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2024-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I certified mailed to Citizens Bank auto finance department and they received it on XX/XX/XXXX all required documents and identification required so that they were informed of the account they are reporting on my credit report is fraudulent and I am a victim of identity theft. I demanded that they due a investigation into the matter and remove it from my credit report immediately. They have since sent me a incomplete investigation with partial paperwork going back only 2 years on a account opened in XXXX. They stated that their investigation validated and verified the debt as mine using addresses and other information that does not belong to me. They have since updated my credit report with notes and still reporting the debt. I have disputed this with all three CRA with only to hear back that citizens has verified the debt. I have spoke with them on the phone about this and they are rude and do not care to rectify their mistake. I have been homeless for over two years due to Citizens fraudulent business practices. I have suffered monumental mental health problems due to this as well as not being able to acquire housing due to the damaging info they report on my credit report. I am currently in a XX/XX/XXXX and I have acquired free legal council on this matter and will be moving forward with a lawsuit. This Bank will be held responsible for their actions if its the last thing i do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One has now reported incorrect information to the credit bureau ( 3 ) times and each time, my credit score has dropped XXXX points. The first time was early last year. It happened again last month- I noticed at the end of XXXX that Capital One reported a balance of {$3600.00} to the credit bureau despite my last statement at the time being only {$1200.00} ( XXXX statement ). I have been with Capital One since XX/XX/XXXX and {$1400.00} is the highest my statement has EVER been. I contacted Capital One about this to see where they got this arbitrary number of {$3600.00} and the representative said he had no idea and to dispute it. To dispute through Capital One, you have to mail a letter with your name, account number, SSN, DOB, and address and I was not comfortable doing that so disputed through the credit bureau. The dispute came back on XX/XX/XXXX as completed and it looks as though Capital One reported a new arbitrary number of $ XXXX again, my balance has never been this high. My XXXX statement was out by the time this dispute was underway and it is only {$1400.00}. And again, my credit score dropped XXXX points because of the balance reported. 

In summary, Capital One has consistently reported incorrect balance statements to the credit bureau resulting in a significant drop in my credit score. When I contact them about it, they can't tell me why these numbers are reported because they don't see any statements matching the amount. When I tried to dispute it through XXXX, Capital One then reported another false balance statement amount, resulting in another drop to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: EQUIFAX, INC.
State: MA

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 2024-05-23 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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-05-23 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: GA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
BULL CITY FINANCIAL SOLU Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX : Original creditor XXXX XXXX - XXXX Opened : XX/XX/XXXX Balance : {$1100.00} XX/XX/XXXXOpened : XX/XX/XXXX Balance : {$580.00} XXXX : Original creditor I am writing to bring to your attention a matter of urgent concern regarding identity theft and fraudulent activity associated with my Credit Report. Upon reviewing my recent credit report, I have discovered numerous unauthorized accounts that I did not initiate or authorize. 
These discrepancies indicate that my personal information may have been compromised, resulting in unauthorized accounts. 
As a victim of identity theft, I am deeply troubled by these findings and am taking immediate steps to address the situation. FTC REPORT has been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Delete this account for Violation and inaccuracy because the last paid date for XX/XX/year> reported is incorrectly on XXXX, Equifax and XXXX. In addition, number of late payments and status of account on XXXX do NOT match with Equifax, and XXXX. Account of Late payments are incorrect, and Date reported are incorrect on XXXX, Equifax, XXXX Account name XXXX XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief