vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: OK

Complaint narrative:
According to XXXX XXXX XXXX XXXX I owe them a debt in the amount {$470.00}. I do not have a contractual obligation to this therefore they are in violation of law 15 U.S. code 1681. My credit report is inaccurate. I have a right to an accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: MI

Complaint narrative:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act ) STATE OF MI XXXX XXXX XXXX I owe {$10000.00} Account # XXXX DATE OPEN XX/XX/XXXX - ( REPOSSESSION ) XXXX XXXX XXXX I owe {$13000.00} DATE OPEN XX/XX/XXXX, ACCOUNT # XXXX15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 any other adverse item of information, other than records of convictions of crimes which antedates 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. 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 any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: MI

Complaint narrative:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act ) STATE OF MI XXXX XXXX XXXX I owe {$10000.00} Account # XXXX DATE OPEN XX/XX/XXXX - ( REPOSSESSION ) XXXX XXXX XXXX XXXX owe {$13000.00} DATE OPEN XX/XX/XXXX, ACCOUNT # XXXX15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 any other adverse item of information, other than records of convictions of crimes which antedates 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. 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 any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.

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 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
We made an airline reservation on XX/XX/XXXX, on XXXX XXXX for XXXX business class tickets to travel to Nepal and back to U.S on XX/XX/XXXX and returning back on XX/XX/XXXX. The total price of the ticket was approximately XXXX. By mistake we put a hold on the charge on XX/XX/XXXX. Almost immediately we realized our mistake and called the credit card company and asked them to lift the hold, which they did. We paid our credit card statement for the whole amount from the XX/XX/XXXX statement. 
However, XXXX XXXX never released our tickets, claiming that they had not received the payment from Chase. On XX/XX/XXXX we called Chase to dispute the charge and we purchased new tickets to travel. 
We have continued to speak to both vendors multiple times with no resolution. XXXX says they did not receive the money and Chase says we have sent them the money. 
We asked Chase for the name of the merchant bank they are dealing with, so we can pursue the claim but they have refused to do that. 
We are attaching all the documents that we have sent both to XXXX XXXX and Chase credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: DriveTime
State: PA

Complaint narrative:
My information along with ID was linked to the dark web and inquired was made falsely in my name

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 2024-04-03 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I discovered a duplicate charge to a hotel from XX/XX/XXXX. Initially when the charge happened I was told by PenFed that both charges were pending and one would fall off when it was processed. It never fell off. 

After I filed a dispute in XXXX, I was told by PENFED Credit Card company to contact the merchant which I did- the merchant ( XXXX XXXX XXXX only shows one charge under my name and account which I only have one receipt for my stay in XXXX  XXXX, and the credit card company says they can not reverse the duplicate charge to the hotel - the hotel did not process a duplicate charge, so there must be a glitch or unauthorized duplicate charge processed by PENFED that they refuse to research or resolve. Regardless of the timeframe that has passed the duplicate charge is UNAUTHORIZED. Both charges are for the same date and {$500.00} ( XX/XX/XXXX XXXX XXXX in Indiana ).

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 2024-04-03 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.
State: IL

Complaint narrative:
XXXX. On XX/XX/XXXX i I submitted proof of identity theft to Experian and asked to remove XXXX XXXX account for an XXXX account that was not mine. 

XXXX. I submitted the requred FTC XXXX, original police report and XXXX supplemnental reports showing that the account was fraudulently opened, and the police had identified the person who opened the account XXXX. On XX/XX/XXXX Experian requested a copy of my Driver 's license and utility bill, which i uploaded on the portal XXXX. On XX/XX/XXXX, in error, Experian processed the identity theft dispute for XXXX XXXX as a dispute over my phone number. In error, Experian removed my correct phone number from my credit report and has not removed the XXXX XXXX Report after proof of identity theft for the T-mobile account fraudulently opened in my name a XXXX Experian portal does not work and persons processing the disputes not reading the documentation. 

I need the CFPB to excercise oversight, There is no excuse for Experian to process an Identity Theft issue involving a fraudulent XXXX  account opened in my name as a dispute over my phone number

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 2024-04-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: 1st Franklin Financial Corporation
State: MS

Complaint narrative:
On XX/XX/2024, I called to ask 1st Franklin Financial about a repayment plan other than the one initial made with loan that was lower because I was struggling to pay the loan due to lost of employment and receiving government benefits that was decreased due to overpayments instead of going to court. 

I called also on XX/XX/2024 for the same reason but the response was going to court and receiving a judgment to repay in XXXX days or garnishment of wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am giving XXXX, transunion and XXXX on second notice to remove non public information off my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX  If accounts are not removed I will report identity theft on bureaus to ftc and Internal Revenue Service XXXX and transunion and XXXX Bureaus have not given me any notice of dispute of the following accounts above every time I have disputed accounts which I should be notified every single time in accordance to FCRA Law

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 2024-04-03 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:
I am giving Equifax, XXXX and XXXX on second notice to remove non public information off my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If accounts are not removed I will report identity theft on bureaus to ftc and Internal Revenue Service Equifax and XXXX and XXXX Bureaus have not given me any notice of dispute of the following accounts above every time I have disputed accounts which I should be notified every single time in accordance to FCRA Law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
On XX/XX/2024, at approximately XXXX XXXX, I, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX under file # XXXX, went to Frost Bank at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX to have some Treasury Direct paperwork notarized . XXXX XXXX XXXX, the notary on site, was the employee that helped me. In addition to being rude, XXXX XXXX violated my rights as a XXXX XXXX XXXX by defrauding me pursuant to 25 CFR 11.423 by encumbering my property, which I have a security interest in, with the intent to hinder that security interest. In the end she denied me my privilege. XXXX XXXX XXXX not only violated my rights as a secured private creditor, but also deprived me of a right and privilege, pursuant to Title 18 section 242, which is protected by the Constitution. My right to claim my charters is protected by Volume XXXX Session XXXX Chapter XXXX, the Owner 's Cesser Clause/Expatriation Act. XXXX XXXX violated that right by imposing an anticipatory repudiation by claiming that my charter did not belong to me due to insufficient evidence, which is false and a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
This collection account just appeared in my credit report on XX/XX/2024. The collection company is Jefferson Capital Systems and it says the original account holder is XXXX. I have never opened an account with XXXX. I never gave anyone permission to open an account on my behalf.This is a fraudulent account and Identity Theft. I have never used my name, signature or government ID to open an account. I never received any products.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disagree with the accounts listed below because it is still showing and reporting inaccurate information on my credit report, even prior your investigation. I would like for these item to be reinvestigated as soon as possible. This XXXX item with the account number XXXX is inaccurate and negatively affecting my credit score. In accordance to the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I have the right to inquire the names and business addresses of each individual of whom verified these account as being accurate, so can you please provide me with this information? Please send me a updated copy of my credit report after your re-investigation.

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 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, at XXXX am my account was compromised because I was robbed at gunpoint and forced to give hackers my phone because it was either my life or the phone, and upon me doing so they emptied my accounts and transferred money to my XXXX as if it was me but it was not! Because my phone and everything I owned was in their possession. They made an instant transfer to my account and then they sent my money via XXXX to another hacker and since then I have not received my money back all while giving all evidence. Between chime and XXXX they are playing a terrible role in trying to keep my money. My face and head is still swollen because I had been in hospital for days trying to recover.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had some late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX investigate and provide Proof with statements showing that these payments were late. If proof can't be gronded I demand these payments be updated to on time as they should be as I was NEVER lane. Thanks.

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 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was hired on by XXXX XXXX XXXX  XXXX. I have a signed contract and acceptance letter. They sent a check for {$3200.00} with instructions to keep {$600.00} for compensation and send {$2600.00} to the companies equipment supplier. I deposited the check to my checking account with Wells Fargo on XX/XX/XXXX. They approved {$400.00} then they gave me the full amount on XX/XX/XXXX. On XX/XX/XXXX Wells Fargo over drafted the check and took back {$3200.00}. I had been scammed my the employer, therefore, the check was fake. Wells Fargo did nothing to protect me from the fake check. They gave me the full amount which I had then used because Wells Fargo placed it in my account, then over drafted {$3200.00} from my savings account.

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 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: WI

Complaint narrative:
I bank with Chime banking. On XX/XX/2024 I sent an electronic check from my checking account to XXXX XXXX for {$4500.00}. XX/XX/XXXX Chime is claiming that this check was cashed. Which it in fact was not, it was returned from XXXX XXXX XXXXXXXX ( where chime has their account to mail out checks ) XXXX XXXX XXXXXXXX flagged their own check as altered/fictitious and pulled the money from XXXX XXXX account . 
However, chime is still claiming the check cleared just fine and that they will not file a dispute or make attempts to resolve this problem to return my money back to me. As they withdrawal the funds immediately on XX/XX/XXXX when I mailed the check from my online banking.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-03 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: MA

Complaint narrative:
Account with XXXX showed as delinquent open in XXXX. I never opened a account with XXXX XXXX it this account is fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: MA

Complaint narrative:
Account with XXXX showed as delinquent open in XXXX. I never opened a account with XXXX XXXX it this account is fraudulent!

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 2024-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Skopos Financial, LLC
State: FL

Complaint narrative:
l am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 15 USC 1692c ( c ). It has come to my attention that your agency has engaged in abusive deceptive practices in an attempt to collect an alleged debt. I hereby demand immediately cease and desist all activities related to the collection of this alleged debt. Your abusive and deceptive practices are in direct violation of my rights under the FDCPA. I am well aware of the protections provided to me as a consumer, and tolerate any further harassment or misconduct, Furthermore, I exercise my rights according to USC 1692c ( c ) to request the removal of any and all information pertaining to this alleged debt deleted from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agency without my express written consent according to 15 usc 6802 ( b ) opt out. I hereby withdraw any previous consent you may have and demand that you cease reporting this debt to any credit reporting agencies immediately. Please consider this letter as a formal notice of my intent to take legal actions if your agency continues to engage in abusive or deceptive practices, in pursuant to USC 15 1692k i will demand {$1000.00} per each violation. I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA. future communication regarding this alleged debt should be directed to me in writing to the address provided above. Phone calls or any other form of communication will NOT be accepted. I expect your immediate compliance with this cease and desist notice. failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.

Company response to consumer: Closed with explanation