vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I reported a scam of a wire transfer of {$16000.00} from XX/XX/XXXX and XX/XX/XXXX to my bank Chase and XXXX and they set up a claim. I received a notification that my claim was denied and I would not be refunded these funds. When calling and inquiring how to get this money they said the claim was closed since apparently I authorized this transaction and there was no way to get my money back. This however is not true and I have been scammed out of the {$16000.00} and lost this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: NJ

Complaint narrative:
The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

This letter is a formal complaint that you have ignored my previous request and 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 and every step must be taken to assure the information reported is completely accurate and correct. 

These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

I demand these companies to delete these accounts from all 3 credit reporting agencies or I will have no choice but to forward this to my litigation attorney.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, and 15 USC 1666b I demand that you provide actual proof the information was verified, not a computer generated confirmation. 

ACCOUNTS TO BE REMOVED : 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. 

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information. 

I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law. 
Sincerely The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 

Under federal law, you have thirty 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen 15 days of the completion of 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 non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GFS, Inc.
State: FL

Complaint narrative:
This company is being used as retaliation for XXXX XXXX XXXX we turn them into the federal government for renting to XXXX XXXX and XXXX XXXX. Have court papers and text messages proving this, XXXX XXXX and the XXXX XXXX XXXX XXXX is ow involved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Company involved : Money Network / Fiserv I was receiving my unemployment money through XXXX, who issued me a XXXX XXXX XXXXXXXX debit card. I activated the card and set up all of my payments to be deposited into my personal checking account. I assumed all of my money was being issued and auto-deposited, not realizing that XXXX had switched to Money Network and was issuing payments through a new debit card. I started going through my bank statements and saw that my payments were not deposited, so I went to check on the XXXX website and saw that Money Network was issuing the payments going forward. I called Money Network on XX/XX/year> to ask when I would be receiving my new debit card and how much money was in my account, when I was told all the money on the account was already used ( around {$2400.00} ). I let the representative know I never received the card, and she looked at my card transactions to find it was used for motels, laundromats, XXXX, XXXX XXXX and lots of food. None of those transactions were made by me or anyone that I know or anyone that I authorized to use my card. 

I was told on the XX/XX/year> call that I would be receiving a dispute form in the mail in XXXX days and to send it back within 10 days, on XX/XX/XXXX I still haven't received anything in the mail so I called Money Network again and the representative sent the dispute form again. On XX/XX/XXXX, I received the form in the mail and emailed the dispute form that night ( still within the 10 days deadline ). I called back XX/XX/year> and found out my dispute was denied, so I was told to submit an appeal. I submitted the appeal that day, XX/XX/XXXX. I called Money Network again on XX/XX/XXXX, was told my appeal was denied without any written reason, it was just denied. I asked what are my next steps because I'm being brought into a loop, was told to find evidence that it wasn't me that used the card and submit another appeal. I told the person on the phone there was no way of me being able to prove any of that. The only response back was to send another appeal. 

I don't know how the card was even activated and used, but Money Network is not holding any accountability.

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 2024-10-01 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: FL

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-10-01 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: TN

Complaint narrative:
I received a copy of my credit report and found the following item listed below to be an error. 

XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX Pursuant to XXXX XXXX XXXX A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave EXPERIAN Reporting Agency OR XXXX  any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EXPERIAN Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized credit reporting listed without my expressed written consent.

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 2024-10-01 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Subject : Formal Complaint Regarding Unresolved {$12000.00} Refund with Citi Credit Card Dear Sir/Madam , I am submitting a formal complaint regarding an ongoing issue with my Citi AT & T More credit card account ( ending in XXXX ). On XX/XX/XXXX, a payment of {$12000.00} was made from a business checking account ( XXXX XXXX, ending in XXXX ), which resulted in a negative balance on my credit card. The payment is valid and was made by someone I know. I contacted Citi customer service to request a refund of this negative balance via check sent to my billing address. 

In XXXX, I received a letter from Citi asking for a payment receipt for the {$12000.00} transaction. However, the letter did not outline any deadlines or consequences for not providing the receipt. On XX/XX/XXXX, Citi rebilled the {$12000.00} to my credit card account, which was reflected in the XXXX statement. 

On XX/XX/XXXX, I faxed the required payment receipt to Citis payment department, and on XX/XX/XXXX, I received written confirmation that they had received the receipt. Then, on XX/XX/XXXX, Citi sent a letter stating that my account had been credited with {$12000.00} as shown in the XXXX statement, which is incorrect. 

Despite numerous calls to Citis customer service and attempts to escalate the issue, the matter remains unresolved. I am requesting your assistance in either issuing a refund of {$12000.00} or crediting the amount back to the original business checking account ending in XXXX. 

Attached are the relevant statements, receipts, and correspondence for your review. I would greatly appreciate your prompt resolution of this matter. 

Sincerely,

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 monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
my APR its way too high, i want to pay the balance which its in my best interest and theirs. but they refuse to lower my APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: IL

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX Date of Birth : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX FILE NUMBER RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my XXXX credit report, is the result of that XXXX. 

Accounts : Account numbers : Date Opened : 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 XXXXXX/XX/XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of trafficking, so I do not need Equifax to say or write me and say they could not verify me or my account.

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX  XXXX  or XXXX XXXX  if the consumer has provided documentation of XXXX  to the agency. I have attached a documentation of my self-attestation to you XXXX. Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I paid off my vehicle on XX/XX/XXXX. A few weeks later, i called to check on the status of my title and was told that the eletronic lien release was sent to the state of XXXX  on XX/XX/XXXX and it takes XX/XX/XXXX hours. State of XXXX  still has not gotten any information about the lien release. i called Bank of America today but they refused to give me any information because they could not verify me over the phone. the only options they gave me to verify was 1 ) to receive a link to use the mobile app to verify my identity, which i do not have online access to BoA anymore since my loan was paid in full and closed, they removed my online access or 2 ) go into a branch. the closest branch to me currently is about 2 hours away.

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 2024-10-01 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: FL

Complaint narrative:
This morning, I was completely shocked to see incorrect accounts appear on my credit report for no reason. I check my report regularly, and this time there were unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but that didnt helpthe inaccurate accounts were still there. Because of this, I need the documents I sent to be reviewed closely so that I never have to deal with this kind of issue again.

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 2024-10-01 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: MI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: MD

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-01 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: MD

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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