vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Three Hard Inquiries that I don't recognize from the following companies XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB Card Inquiry XXXX XXXX XXXX JPMCB Card Inquiry XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: NY

Complaint narrative:
I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXXXXXX 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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2024-02-27 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: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

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, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
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, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : US DEPT ED XXXX  Balance : {$990.00} US DEPT ED XXXXXXXX  Balance : {$1000.00} US DEPT ED XXXX Balance : {$680.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXX Balance : {$1900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to you once again regarding the fraudulent account that persists on my credit report despite multiple attempts to dispute it. It is unacceptable and infuriating that despite my repeated efforts to rectify this situation, the fraudulent account continues to tarnish my credit history. 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 2024-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: PA

Complaint narrative:
Capio is saying that I owe XXXX XXXX a debt. This is medical but they put it on my credit report which isnt supposed to happen. They keep calling at all hours of the day and get very angry and hostile when I try to explain that I had insurance during this time period. They dont want to bother listening to me or attempting to verify my truth. Ive asked to speak to managers and Ive never been provided with any. They always say theyll call back and never do. Id like this closed please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: PA

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 third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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.

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$6800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$170.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2024-02-27 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.

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$170.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
The purpose of this claim is to make my bank accountable, or at least co-accountable, for the loss of {$2400.00} from my bank account as a result of the scam of which I was a victim last XXXX due to the events that I explain below. 
Last XX/XX/XXXX, I was the target of a scam when I received a counterfeit check, and was instructed by the sender to send XXXX through XXXX to a third person When I got the check, I deposited it with my phone to my BMO account. The deposit was approved the same day, but it took longer than usual to get posted in my account. 
Normally, previous check deposits I have made with my mobile app are available within minutes, but this was not the case so, I went to my branch the next day to have them explain why it was taking a while to appear in sign that deposit Both the teller at the window and the branch manager, XXXX XXXX, explained to me that they were taking extra time to make sure the check was valid and that it would probably be deposited firmly the next day. 
Indeed, the next day the deposit appeared posted in my account, and I made the deposit mentioned above for {$2400.00} through XXXX in three issues Only after having done that, BMO " discovered '' that the check was fake, recovered its funds and abandoned me to my fate with {$2400.00} scammed which I am waiting to be fully or partially refunded to my account. 
On XX/XX/XXXX, I went to my branch again to request in writing the return or replacement of my XXXX or a response ( in writing ) explaining the reasons why they would refuse to do so. 
XXXX weeks later ( XX/XX/XXXX ) I presented myself again to receive a response from XXXX XXXX, and her response was negative in two aspects : negative regarding the fact that BMO would not return the lost money, and also negative regarding the fact that they would not give me any written response That's why I'm now turning to you to mediate between BMO and I to reach a settlement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: AZ

Complaint narrative:
I have requested my reports from LexisNexis on multiple occasions especially my CLUE report and background reports. I have submitted my identification information and I have received letters claiming my requests are unable to be processed because the information I submitted was illegible or my identification was not submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Block the identity theft-related information from my credit report as mandated by FCRA Section 605B . Immediate action is demanded to comply with the law, and notifications to all information furnishers must be sent promptly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$13000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5900.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX Please remove these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Block the identity theft-related information from my credit report as mandated by FCRA Section 605B . Immediate action is demanded to comply with the law, and notifications to all information furnishers must be sent promptly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$18000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$13000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5900.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX Please remove these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: PA

Complaint narrative:
HELLO THERE WAS SOME INQUIRIES ON MY CREDIT I DID NOT AUTHORIZE IM SENDING OVER MY FRAUD IDENTITY THIEF REPORT CAN U PLS REMOVE THESE XXXX XXXX  XX/XX/XXXX TO XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TO XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
HELLO THERE WAS SOME INQUIRIES ON MY CREDIT I DID NOT AUTHORIZE IM SENDING OVER MY FRAUD IDENTITY THIEF REPORT CAN U PLS REMOVE THESE XXXX XXXX XXXXXX/XX/XXXX TO XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO XX/XX/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 2024-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUSSRQ Holdings, LLC
State: AZ

Complaint narrative:
XXXX XXXX, Oliphant USA , LLCXXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX is reporting a debt that I do not owe in the amount of {$5600.00} on the consumer credit bureaus. I have made several attempts by phone and mail to get them to remove this negative information, since they are no longer the current collector on this account and I settled this matter with the original creditor and their representative. Oliphant does not have the authority to collect this debt, and refuses to remove this derogatory information from the CRA 's. This is negatively effecting me as I am a XXXX XXXX  trying to use my VA benefits to purchase a home and this information is heavily impacting my credit score. Please assist with having this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I received XXXX messages containing manipulated images of myself, along with requests for money. Initially, I ignored and blocked those accounts. However, they persisted by contacting me on my XXXX number, which was publicly listed on my XXXX profile. Despite my efforts to block these numbers on XXXX, the messages continued. 

Concerned about the situation, I decided to report the incident to XXXX for appropriate action. While searching for XXXX 's customer care number in the contact section, I inadvertently ended up on a fake website. I managed to capture a number from that site, called it, and was connected to someone posing as a XXXX XXXX XXXX XXXX. I explained the situation to them, requesting action against the accounts responsible for the harassing messages. 

During the XXXX-hour conversation, the person attempted to send me a message and insisted I enter certain details into my bank account for added security. Initially skeptical, I resisted for XXXX hours. However, the individual convinced me of their authenticity, claiming to be a XXXX employee. Unfortunately, I fell victim to their scheme, and I lost {$3500.00} USD after entering the provided information. 

Following the fraudulent transaction, the scammers instructed me to go to a nearby XXXX or gas station to purchase gift cards, promising that the debited money would be credited back to me. It was only later that I realized I had been scammed. I promptly ended the call and complained to my bank. 

After a XXXX investigation, my bank responded, stating that the other party 's bank refused to disclose user details. Despite filing a complaint again after a month, I received the same response from my bank, leaving me with little recourse. 

My Checking Bank : Bank Of America My Checking Account number ends with XXXX On XX/XX/year>, this incident occurred, and I promptly raised a complaint on the same day. Following that, the bank responded after XXXX business days. Dissatisfied with the outcome, I lodged a further request for the bank to conduct an additional investigation. 

I attempted to file a complaint at the police station, but they informed me that this online scam/fraud incident fell outside their jurisdiction. Despite my efforts to recover the funds through various channels, I was unaware of the appropriate avenues for submitting a claim. Unfortunately, it took a year before I could file a complaint regarding the incident.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
HELLO THERE WAS SOME INQUIRIES ON MY CREDIT I DID NOT AUTHORIZE IM SENDING OVER MY FRAUD IDENTITY THIEF REPORT CAN U PLS REMOVE THESE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation