vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX. I sent a payment if {$1300.00} to *XXXX  through XXXX  and they never gave me to goods or services. Services ( subleases apartment unit ). She quit responding to messages and calls. Ive tried several times to reach out to them with no response. XXXX was not able to process refund and seller did not repone. XXXX could not give me the account holders name so I could contact them another way. The number on her account is inactive XXXX and the email XXXX I tried stop payment or dispute through CHASE bank and they denied dispute and took the credit they gave me back for the transaction. This caused my account to be negative. I also reached out to apartment XXXX XXXX XXXX and they said no one lived there with that name and also sent a complaint to them and there was no correspondence through email. I also filed a police report, report to FBI, report to FTC and now here. The number she have comes up in XXXX app. No XXXX, XXXX or other payment service

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-12-12 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-12-12 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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
Consumer complaint received 2023-12-12 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: NY

Complaint narrative:
There are companies I do not recognize running daily Inquiries EVERYDAY for more than 2 years whom I have not solicited nor given permission to do so, there are several misspellings of my Name, several inaccurate addresses, there is also the issue of the companies Experian, XXXX, and XXXX XXXX furnishing information in my credit report to the public without my written permission.

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 2023-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX. I sent a payment if {$1300.00} to *XXXX  through SQUARE  and they never gave me to goods or services. Services ( subleases apartment unit ). She quit responding to messages and calls. Ive tried XXXX XXXX XXXX reach out to them with no response. XXXX was not able to process refund and seller did not repone. XXXX could not give me the account holders name so I could contact them another way. The number on her account is inactive XXXX and the email XXXX I tried stop payment or dispute through XXXX XXXX  and they denied dispute and took the credit they gave me back for the transaction. This caused my account to be negative. I also reached out to apartment XXXX XXXX XXXX and they said no one lived there with that name and also sent a complaint to them and there was no correspondence through email. I also filed a police report, report to FBI, report to FTC and now here. The number she have comes up in XXXX XXXX No XXXX, XXXX or other payment service

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. 

It boggles my mind that your bureau continues to dismiss the validity of my identity theft claim, leaving me in a state of perpetual frustration. I came to you seeking assistance and justice, but instead, I've encountered red tape and inaction. 

I demand immediate attention to my identity theft disputes. The sluggish response and repeated denials have only added to my distress and frustration. My life has been significantly affected, and it's high time you recognize the gravity of the situation. 

I implore you to swiftly initiate a thorough investigation into these matters, remove the fraudulent accounts from my credit report, and help restore my financial standing. I'm not asking for special treatment ; I'm asking for what is rightfully mine as a victim of identity theft. 

XXXX XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

If my appeals for prompt action continue to fall on deaf ears, rest assured that I am prepared to take legal action to ensure justice prevails. I won't hesitate to involve an attorney to hold your bureau accountable for the repeated denials, the harm to my reputation, and the emotional turmoil this ordeal has inflicted upon me.

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 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
New information Fraudulent Charges by XXXX XXXX XXXX XXXX : XX/XX/2023 To : American Express Dispute Resolution Cente Subject : Fraudulent Charges by XXXX XXXX XXXX - Urgent Action Required I am writing to report fraudulent charges on my American Express card for services and products not received or performed by XXXX XXXX XXXX. 

Previous Efforts : In XX/XX/2023, after 7 months, the dentist admitted to not providing a XXXX graft and a yearly membership and claimed I was refunded. 
I was also charged for Gingival irrigation not agreed to or provided and Post op visit a month after Cancellation as I only went in to discuss my outrageous bill XXXX never received any refund from the bill, and American Express has not processed any refund for these items. 
I filed a dispute with American Express for these charges. 
On XX/XX/2023, I took XXXX XXXX XXXX to small claims court and was awarded the maximum damages allowed in California ( {$10000.00} ) plus court costs. 
The Judge agreed that this work was never preformed and these charges should imeefiatrl cond off of my bill and be charged back to Merchant! 
I have requested a call back from a supervisor XXXX times by telephone, fax and this site in early XXXX regarding this matter but have not received any response. 

Current Status : The dentist is delaying the court-ordered payment by postponing it twice and requesting a new trial. 
The fraudulent charges remain on my American Express account. 

Action Required : Immediately charge back the judgement of {$10000.00} and all the additional fraudulent charges over and above that to XXXX XXXX XXXX. 
Investigate why the previously requested refund for the XXXX graft and yearly membership was not processed including gingival irrigation and post op visit. 
Ensure that all fraudulent charges are removed from my account. 
Additional Information : You have received documentation supporting my claims, including : Copies of my dental records showing no evidence of the XXXX graft etc. 
Copies of XXXX dental reports by independent dentists. 
Proof of the court judgement and award of {$10000.00} XXXX records with the dentist and American Express. 
I am available to provide any further information you XXXX require. 
I urge American Express to take immediate action to address this matter and resolve this issue to my satisfaction. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing a complaint against Capital One regarding inaccurate reporting on my credit report. The discrepancies involve the reporting of an account as charged off while also showing a monthly payment amount, which is misleading and inconsistent. 

Basis of the Complaint : XXXX. Inconsistent Reporting : The Capital One account is reported as charged off, yet a monthly payment amount is indicated. This dual reporting is not only confusing but also violates the Fair Credit Reporting Act ( FCRA ). 
XXXX. Legal Violation : I believe Capital Ones reporting violates the FCRA, which mandates accurate and fair reporting of consumer credit information. The conflicting information negatively impacts my credit report and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
we got notification that we needed to change our address to a physical address. My wife contacted them about it and the person said they have our so we were good to go. About a week ago they closed out our account. Every since then we have gone into the Well Fargo branch by us and signed everything they wanted. We were told today that it was going to be another couple more days before they can do anything. We can not open another account or access the account at all. We are XXXX  and all our online banking is stopped. i don't know what will happen to or retirement payments because they are done on line. We can not pay bills and they keep putting us off. During all of the last few days their people we have talked to on the phone give us different stories. the account was first opened in 1970 With XXXX XXXX XXXX  XXXX Nevada they sold to XXXX XXXX XXXX  that sold to Well Fargo.

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 2023-12-12 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: MO

Complaint narrative:
I am writing to express my frustration and dissatisfaction with the persistent challenges I have faced in attempting to rectify late closed and charge-off accounts on my credit report. Despite numerous attempts to dispute and remove these inaccuracies, my efforts have not been successful, and the negative entries continue to impact my credit standing. 

I have submitted multiple dispute letters, both online and by mail, along with supporting documentation, including payment records, statements, and any other relevant materials, to substantiate my claims and assist in the investigation. Despite these efforts, the late closed and charge-off accounts persist on my credit report. 

I demand that you conduct an immediate and thorough investigation into these matters and take prompt action to rectify the inaccuracies on my credit report by removing the late closed and charge-off entries. The persistence of these entries has caused undue stress and has a significant impact on my financial well-being. 

Additionally, I request regular updates on the progress of the investigation and resolution of this matter. It is crucial that this issue is addressed urgently to prevent further harm to my credit standing. 

If my concerns are not addressed promptly and satisfactorily within 30 days of receiving this letter, I am prepared to escalate this matter to regulatory authorities, and seek legal counsel to protect my rights. I am asking for your assistance to correct these late open accounts in my credit file : 1. XXXX XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
2. XXXX XXXX XXXX Balance Owed : {$3000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
3. XXXX XXXX Balance Owed : {$160.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
4. XXXX XXXX Balance Owed : {$560.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: ACS Education Services
State: TX

Complaint narrative:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

Under the the Family Education Privacy Act of 1974 States you are not allowed to report my income to any 3rd party or companies. This account should be removed immediately or I will be seeking damages under the law. 

the law also states that this item is over the credit statue of 7 years and it should not be reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: PA

Complaint narrative:
I asked the credit bureaus to send me proof of my written authorization and the permissible purpose I made I never received any response from them.

In accordance with the Fair Reporting Act, these companies have violated my rights. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Listed below are the companies and the date of inquiry : 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 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 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 15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I contacted the company ( credit collection services ) regarding a {$54.00} debt that has made a negative impact on my credit. i deicide to settle for {$21.00} for the first time the company claimed it was insufficient funds when they attempted to take funds from the account which was false the funds was available. i then tried a second time to settle again and now they stated i needed to make a payment for {$25.00} in which i did and this time funds was taken out my account both times. I asked for a letter and also a receipt and i was told it will be emailed to me once funds has cleared. funds has been cleared and i still have yet to get a notice to take the negative mark off my credit report and also the transaction. this negative mark is hindering my score so much which the negative mark and i asked for this to be verified in which i still have not received anything stating an itemized bill on how do i owe {$54.00} to XXXX XXXX XXXX XXXX. This company has caused me not to obtain a place to live for me and my children because of the negative mark on my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: RAM America, Inc
State: MO

Complaint narrative:
My name is XXXX XXXX and my account number is : XXXX. I am disputing the charges that is being taking out of my checking account for {$250.00} because its not helping to pay for the loans that I applied for. I am still receiving calls and threats for the accounts to be sent to legal representation regarding non-payment of loans. 
So I really would like to stop these proceedings so that I can try to clear these debts up on my own. 
Thank You, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief