vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have sent 2 letters to XXXX in the past couple months asking them to validate this debt. XXXX still haven't validated any of my requests for proof of the wet signature and original contract that belongs to this debt. This is in complete violation and want this removed from my credit.

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 2023-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Saturday XX/XX/18 I sent a XXXX payment through my chase app of XXXX at XXXX to an individual Who I thought was a vetted individual ( friend if a friend, former student of a friend ) for concert tickets. This person was real but his account had been hacked and therefore was sent to an unknown individual. XXXX and chase are refusing to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
BMO Bank accepted my loan application and rejected me with a credit score of XXXX They claim 1 ) the requested term is not available 2 ) collateral is not sufficient I demand the hard pull be removed from my credit score. It is fraudulant to pull a credit score for a loan which does not exist. I have no debt other thn a home mortgage. I have been unble to receive a return phone call from their Indirect Lending Department.

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 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/2022 I was selling a bed on XXXX and I get a response asking if I accepted XXXX which I had never used before but I knew it was through the bank I use so I agreed. After that I get an email from XXXX saying I needed to activate my account. While I should have realized I shouldnt send money to XXXX at the time, I had also never used XXXX and trusted the email. After transferring XXXX dollars 2 times for a total {$400.00} it asked me they asked me to send another {$100.00} which I refused due to only having {$35.00} left in my bank. When I requested XXXX for a refund and stated I no longer wanted to activate my account they stopped responding. At this point I realized it was a scam and that night ( might have been the following day not sure if it was after midnight or not ) I filed a police report which I can contact the police department to get the report number and also as soon as my bank opened I reported fraud and they said they would look into it and get back to me which could take up to 90 days. It has been well over 90 days and I have still heard nothing back from the bank or the police. The police said there was most likely nothing they could do due to the fact most scammers are not even in the United States and the bank advised that XXXX will never send emails and both confirmed it was most likely scam Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
On XXXX I sent in my letter stating that I don't owe this alleged debt and asked for verification for the alleged debt your company has violated my rights. 
1.Under 15 USC Section 609 ( a ) ( 1 ) ( A ) You are required to provide me a contract with my wet signature on it. You haven't provided me with anything.

2.Under 15 USC 1692g ( a ) You were to notify me in 5 days after intial communication. You have violated that right. You haven't responded to anything.

3.Under 15 USC 1692e You have created a False impression of the legal status of my alleged debt even if it was my debt it is uncollectible by law.
I further remind you that wengner vs. transunion corp., no. 95-6445 ( C.d.c.nXXXX XXXX XXXX ) you may be liable for your willful noncompliance. Failure to delete these accounts may result in legal actions being taken in small claims court against your company seeking {$1000.00} per violation : 1. Defamation 2.Negligent Enablement of Identity Fraud Per FCA 3.FDCPA 15 USC 1692g violations 4.FCRA 15 USC 1681 violations for willful noncompliance A copy of this will be CC 'D to FTC XXXX MY ATTORNEY GENERAL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I recently heard of the Wells Fargo settlement and I was not notifed. I applied years ago for a settlement claim dealing with Wells Fargo. I purchased my first home and Wells Fargo was the mortgage holder they also force placed an additional policy on my account that was paid every month for over 6 years until the flood here in XXXX XX/XX/2010 when I filed claim with Wells Fargo they sent adjuster out then paperwork denying my claim later I was no longer able to access my payments or account info any longer as Wells Fargo just deleted it. I lost my home later due to them not wanting to work with me when I filed bankruptcy. I just want the money that is owed to 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 explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I NEVER GAVE CONSENT TO ANY OF THESE PERSONS TO FURNISH ITEMS TO MY CONSUMER REPORT ON MY BEHALF. AS A RESULT MY LIVELIHOOD HAS BEEN ADVERSELY AFFECTED, AND MY PRIVACY HAS BEEN BREACHED.

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 2023-02-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC
State: FL

Complaint narrative:
I was doing my regular check on my XXXX account and noticed this company by the name of FIDELITY CREDITOR SERVICES last year trying to collect an alleged debt of XXXX XXXX and something dollars and change so I disputed it and I received a response back saying that their license was pending at the time I disputed it last year sometime so XXXX did nothing and after that, the debt went up to {$1000.00} a course I was outraged because the date on this says XX/XX/2016, it doesn't reveal when they took over to come after me but so I reached out to them personally this time but beforehand I searched for there company on XXXX XXXX XXXX and found out that they are not licensed and authorized to collect or operate in the state of Florida so there violating my consumer rights at this point now that's not the only violation the next one ( 2 ) would be I never gave the original furnisher written permission to put anything on my credit profile 15 USC 1681b2 and they have no Permissible Purpose by law to report, sell or share my personal information to any third-party reporting agencies or persons, This is Identity Thieft, Aggravated Identity Thieft according to 18 USC 1028A ( 3 ) According to 15 USC 1681A ( 2 ) ( a ) ( i ) *Transations are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The violations mount up but more importantly the time and energy and I have had to put into this is what has been draining for me XXXX refused to do their job and this company is operating outside of the law and thinking they can get away with it. This has hurt me financially and mentaltitly I sent this letter that I will attach to them on the XXXX of this Month and have not gotten a response because my profile on XXXX is the same I gave them 10 days to respond and that time has come and went, I need this inaccurately reported information Deleted asap and this company flagged from doing business in the state of florida

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: IL

Complaint narrative:
Hello the company LOCKHART MORRIS & MONTGOMERY has violated the Fair XXXX Collection Practice Act by trying to collect on a debt not owed and by reporting an alleged medical account to all three credit bureaus. I spoke with a representative from LOCKHART MORRIS & MONTGOMERY on XX/XX/XXXX to get more details on an account this company reported as being in collections after being notified a new collections account appeared on my credit report. 

During my conversation with the representative, I was told the debt is from 2015 and is from an emergency visit to a hospital. I told the representative I never visited the hospital in question as my primary care physician is at another hospital company. The representative insisted I had visited the hospital but they had my address wrong. I was advised to call the hospital in question. When I called the in the alledged hospital I was accused of visiting in 2015 they confirmed I never had an account with them, no open or past debt, and they never sent any bill to collections. 

After speaking with the alledged hospital from where the debt orginiated, who then confirmed I never had any past due debt with them nor a record of visiting their ER service in 2015 I proceed to call LOCKHART MORRIS & MONTGOMERY and demand they remove the collection account from all XXXX credit bureaus. They refused stating the debt was valid. I asked them to provide proof of debt or a bill of sales. It's been XXXX weeks I have yet to receive this. They have never provided proof of this account belonging to me or how they got my information. 

In addition any alleged medical debt is not permissible to be reported to any credit bureau due to changes to the Fair Debt Collection Practice Act. Wisconsin also has a statue of limitations where debt older than 6 years can not be collected. The alleged debt supposedly originated in Wisconsin in 2015. The company has also failed to prove the debt is mines to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I'm writing this letter regarding an unauthorized inquiry placed on my Equifax Consumer credit File XXXX XXXXXXXX XXXX  this inquiry indicates further fraudulent attempts by hackers, scammers unknowns to benefit financially using my good credit standing. These attempts, fortunately, failed due to the recent credit locks and freezes placed on my membership accounts Equifax XXXX and XXXX, this aggressive approach I take it seriously to stop delays and deter further attempts to open unauthorized bank accounts, credit cards, etc., though I continue to provide proof of my identity. Equifax is requesting further additional documents submitted prior in asking most recent complete Application FTC complaint is needed as the report number presented prior is not sufficient ; therefore assured, once documentation in asking provided, we will lawfully ensure and remove this inquiry immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
its my credit report from Experian and my Fico score I have very good credit history since a Bankruptcy in 2016 I have 100 % on time payments there are 12 hard pulls on my credit report I changed my phone carrier to XXXX and they did 2 hard pulls ... then I was doing balance transfers to avoid high interest and there were some hard pulls when I only made CC application once, they rejected the first application because my driver 's license wasn't able to be viewed they said I could just apply again without it affecting my score... this is not true I make XXXX per year I have XXXX in available credit so every time I use any of that credit my credit score goes down? This doesn't seem fair to me because I pay my credit card bills off very fast .. Actually I paid XXXX in credit card debt in the month of XXXX... Im barely paying any interest on them because I pay more than what is required and pay it so fast it doesn't have a chance to accrue any interest... I am wanting to buy a house soon but my credit score is staying down as if I'm a person who doesn't pay their bills!! I just got a XXXX XXXX then my credit score went down as soon as i applied for a XXXX XXXX XXXX... I wanted to use a XXXXXXXX XXXX XXXX  to collect points towards purchases also the XXXX XXXX gives 5 % cash back... I used XXXX XXXX balance transfer to not pay any interest... This doesn't seem fair I have no late payments NONE 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 explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have asked Wells Fargo to stop calling and they have called every day for weeks straight. I have screenshoots of my phone log with evidence

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