vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
TRANSWORLD SYSTEMS INC for a listed debit of {$320.00} for XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX This is the XXXX time this collection account has wrongfully been added to my credit report, I have even spoken with Transworld, and expressed this is my account, for the 2nd time in 3 years. In 2019 I had this already removed as I proved that I never lived at an an address listed in XXXX XXXX, I have never lived at before. At the time the account was opened fraudulently in my name with SSN, I was living in Florida. I had this removed from my report 3 years ago, and I proved it was not account, however they have attached it to my credit again, and refuse to accept is not my account and is fraud. The address listed in XXXX XXXX does not match any address I have lived at on my XXXX report, so how they can get away putting back on my credit is illegal. Please help and have them remove and taken off their creditors list as this is not my account and I did not owe them {$320.00} for XXXX XXXX. I have attached proof I was living in XXXX from XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The presence of this bankruptcy on my credit report violates 15 U.S Code 1681 a ( 4 ) which guarantees consumer right to privacy. Sharing my personal information without my consent constitutes identity theft making you criminally and civilly liable.

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The presence of this bankruptcy on my credit report violates 15 U.S Code 1681 a ( 4 ) which guarantees consumer right to privacy. Sharing my personal information without my consent constitutes identity theft making you criminally and civilly liable.

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 2024-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/2024. I received a call at XXXX eastern time from Chase bank regarding fraud activity on my account. They stated there was scheduled wire transfers to occur and I needed to do what they said was a reverse wire transfer. The wire transfers of {$30000.00} and {$5000.00} were initiated. When I hung up, I immediately followed up by calling Chase bank # on my card and asking them what was going on, ( the transactions were pending at that point ) and they said I was involved in fraud and would open a claim. I found out later that they did not call the bank that took my money, did not stop the transfers, and said it was my fault. I have now lost my life savings. I did not authorize the transactions with the real Chase and contacted them right away, Chase did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
The Goldman Sachs chat has been having technical issues in receiving regular images, which is what their agents request for dispute evidence. I received these messages from Goldman Sachs when I chatted in on XX/XX/2024 : " We can not complete your request at this time. Try again a little later. 
Sorry but an error occurred while sending the file. Please try again. 
We can not complete your request at this time. Try again a little later. 
Sorry but an error occurred while sending the file. Please try again. 
Sorry but an error occurred while sending the file. Please try again. 
We can not complete your request at this time. Try again a little later. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX I filed a complaint dispute with XXXX XXXX and XXXX on behalf of information they are listing from Credence Resources Mana, XXXX. XXXX, XXXX and XXXX XXXX XXXX 
Per the FCRA, as a federally protected consumer, I am now opting out all authorization I the consumer may have given you. This includes verbally, nonverbally, written and unwritten permission per 15USC 6802. Effective immediately and indefinitely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: NV

Complaint narrative:
The company refuses to say given name. Email XX/XX/2023 XXXX XXXX  I am being asked to pay a debt that my guardian the US government is assigned to pay by federal government. Email disregards title in given name under state , county, and federal government in, I, being, the XXXX ; of XXXX & XXXX than refuses to say given name in attempts to collect debt from US citizen placed in hindrance from error to view an adjustment to initials by an authority from XXXX. to XXXX. where as revolutionary contribution to our nation is ignored while I being XXXX with bare arms established XXXX XXXX XXXX XXXX XXXX XXXX live without a bank free of insubordination.

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 2024-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX i called chase to report a dispute. 
It was deniedXX/XX/23. 

I added my police report, & it was denied again by XXXX! XX/XX/23I already reported that my phone was stolen and DID NOT AUTHORIZE this transaction. 

I did NOT benefit in any way from the transaction and I'm only suffering from it. 




IMPORTANT : I PREVIOUSLY HAD A BUSINESS ACCOUNT WITH CHASE THAT WAS CLOSED IN XXXX OF 2023. CLEARLY I AM NOT REFERRING TO THAT ACCOUNT AS THE CLAIM DATES START IN XXXX! 

I HAVE A PERSONAL ACCOUNT THAT IS CURRENTLY STILL OPEN AND THAT IS WHAT ACCOUNT IM REFERRING TO.. 

THE ORIGINAL DISPUTE CLAIM I FILED WITH CHASE ON XX/XX/23 IS NOT GOING TO BE OPEN SIMPLY BECAUSE XXXX JUST REFUSES TO REOPEN IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: SC

Complaint narrative:
Dear Sir/Madam, I received a letter from Debt Recovery Solutions , LLC on XX/XX/XXXX. Which stipulated that if I were to respond by XX/XX/XXXX, any disputed amount would necessitate the cessation of collection until appropriate documentation demonstrating the validity of the debt was provided. 
Regrettably, on XX/XX/XXXX, at XXXX, I engaged with Debt Recovery Solutions to discuss a credit report entry that had been attributed to your company, indicating a debt in the amount of {$1200.00}. Disturbingly, this entry had been placed on my credit report before I was afforded the opportunity to dispute the full amount, thereby infringing upon the terms outlined in their correspondence. The negative collection was, in fact, registered on XX/XX/XXXX, thus affording me an inadequate window to exercise my right to dispute the debt by the specified deadline of XX/XX/XXXX. 
During my interaction with your representative, XXXX, I was informed that she lacked the authority to remove the negative entry from my credit report. Subsequently, upon her consultation with her supervisor, XXXX XXXX, I was advised to revisit this matter on the upcoming Monday. It was conveyed to me that failure to comply with this instruction might result in further delay, effectively perpetuating the untimely inclusion of this adverse entry on my credit report. I find this approach to be manipulative and obstructive, particularly given the constraints of my professional commitments. 
I wish to express my strong belief that this practice is not an isolated incident but rather a systemic issue within Debt Recovery Solutions, impacting numerous consumers. It is my sincere hope that this correspondence serves as a catalyst for rectifying this practice moving forward. 
I trust that you will promptly address this matter and take the necessary steps to rectify the untoward inclusion of this debt on my credit report. I anticipate a swift and amicable resolution to this issue, and I appreciate your prompt attention to this matter. 
Thank you for your time and prompt attention in resolving this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: MI

Complaint narrative:
I bought a Vanilla XXXX gift card from XXXX XXXX XXXX  for {$100.00} on XX/XX/23. I was using it fine and there weren't any problems. I had used this card to purchase items from XXXX for XXXX on XX/XX/23, and I wanted to return a XXXX item on XX/XX/23 for my money back. XXXX issued the refund, but when I checked my account my remaining balance was still XXXX and the refund showed up as XXXX instead of XXXX ( but it didn't effect my balance ). I called the help line but whenever I entered my card information it said it was invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
According to 15usc1681e ( b ) it states accuracy of report wherever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maxium possible accuracy about the individual. 15 usc1681 s-2 states reporting info with actual knowledge of errors a person shallnot furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that info is inaccurate. Also my information was breached at 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 2024-01-06 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
There was an unauthorized XXXX charge on my account for {$480.00} to XXXX by XXXX, on XX/XX/10. Payment ID XXXX. The bank said to reach out to the merchant. This was a fraudulent charge I tried was unable to get in contact with receipting of funds or can get any information on who to contact for this charge. I never authorized this charge to XXXX. 
I have been trying to get in contact with a rep at Truist to escalate this and am unable to get anyone other than telephone rep.

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 2024-01-06 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: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
Company : Fifth Third Bank First the number listed on website isn't the correct number I had to call a different one. I noticed an email notifying me that a hard inquiry was pulled on my account today I don't know the bank or use it. I don't give out my social security information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
In your response to my case below, you did not state that I called before the money was taken out of the account a least 10 days prior and you refused to stop the transaction. I am requested an investigation again and refund of my {$1500.00} and {$800.00}. 



I contacted Capital One last year about XXXX payments in the amount of {$1500.00} and {$800.00} that were made to XXXX XXXX XXXX of XXXX NY to complete a job and merchandise but never received it. Capital One refused to investigate the incident thoroughly and advised that I should contact XXXX XXXX  bank, XXXX in-order to get my funds returned. I did so but never received any response from XXXX. After a months and month of contacting Capital One for an update they were unable to provide an update. I would like my funds in the amount of {$1500.00} taken out of my account on XX/XX/2022 and {$800.00} taken out on XX/XX/2022 returned to my account after an investigation conducted with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I was sent a promotional email by American Express of Member Week Offers. One of the offers was to receive a {$50.00} statement credit for purchasing a {$99.00} annual subscription for XXXX XXXX. On XX/XX/XXXX, I made this purchase using my Amex card account listed in the promotional email in the amount of {$130.00}. When I did not receive the statement credit, I called Amex customer service in XXXX and was told that it was still processing and would take up to XXXX days, and that I needed to call back at that time if the credit hadn't posted. It did not post, so I called Amex back on XX/XX/XXXX. I spoke to a manager, who told me that the promotional credit would be posted in XXXX days and assigned a case number. The credit still did not post, so I did an online chat with Amex on XX/XX/XXXX, and was told that the credit would be posted to my account in XXXX hours. The credit still did not post. I continued to contact Amex and even uploaded a XXXX  of the promotional email for my case. Eventually, I was told that I " used the wrong card for the charge '' and that I would not receive the statement credit, despite using the card account listed on the promotional email. I have gone above and beyond to resolve this issue with American Express, spending hours on the phone and in chats.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
There is information on my credit report that is a result of identity theft that I did not provide information for or any written permission or instructions for the identified transactions to be reported on my consumer credit report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block is not being made on the basis of misrepresentation of fact by me relevant to the request to block the identified transactions are not information related to any any transactions by me as the consumer. You are required to do what I am asking and block these transactions from being reported to my consumer report within XXXX  days from the date of receipt. I look forward to your response. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: TX

Complaint narrative:
I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT STATING THAT THIS ISN'T ME! PLEASE SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: TX

Complaint narrative:
I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT STATING THAT THIS ISN'T ME! PLEASE SEE ATTACHED.

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 2024-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Due to Equifax data Breach an unknown account is being reported on my account. Equifax has stated they have verified the unknown account and is reporting it on my consumer report. I would like to know the method of verification they used to determine the fraudulent account is in fact mine. I would like them to sign under penalty of perjury that they were there during the time of the alleged debt, and in their reinvestigation the names, address, and phone numbers of any neighbors, they contacted. 

15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: FL

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. 
Can you fix

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 2024-01-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Aft this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666 a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Per the company after my wallet was stolen I updated the account and the auto pay information however because the cards where stolen, the bank rejected the transaction due to potential fraud. The company ( XXXX  ) acknowledged that banks will reject their transactions because they appear to be fraudulent. The payment was reported late because the bank recognized the company as 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