vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
SO MANY TIMES I CALL EXPIRIAN TO DELETED ADDRESS IS NOT BELONGS TO ME THEY REFUESED I SAID THAT I HAVE TO DISPUITE DIRECT WITH THE SOURSES. WHEN I ASK THE SOURSE THEY REFUUSED TO TELD ME WITH CREDITOR REPORT THAT ADDRES THE ADRESS IS NOT BELONGS TO ME AND IT HAS TO BE DELETED IS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I NEVER BE ASOCIATED WITH THAT ADRESS

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 2022-04-05 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: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/2022 I was notified that the phone # on my account had been changed to a phone # that I have never been associated with ( XXXX ). I immediately contacted the bank to notify them of this. They told me that they were unable to change the # back without specific documentation and froze the account. I attempted to provide the documentation ; however, it was still not sufficient, so at this point I had lost all access to my account since it logged me out. I had 3 accounts with Chime, a XXXX, a XXXX XXXX, and a XXXX. Through my XXXX account I was able to see the transactions that the hackers transferred all funds from the savings and checking into the credit builder and then made two transactions totaling {$2600.00} ( one for {$230.00} and one for {$2300.00} ) to an XXXX XXXX XXXX in XXXX on the card ending in XXXX. I immediately called and disputed the transactions. I was told that they were pending and if they went through then the dispute process would be started and could take up to 90 days. After I hung up from that call I received an email that they proceeded to close all of my accounts. This made it to where I could only communicate to them through email. I sent several emails that went unresponded to. Finally, on XX/XX/XXXX I sent another email that they provided some basic information regarding their disputes process to. Today, XX/XX/2022 I received notification that they have denied my dispute and deemed these two transactions as legitimate. I spoke with the bank yet again and they stated that I am required to provide additional documentation in order to prove that I did not do this. I am not sure what other documentation I can provide at this time since I did not make these transactions. The account was frozen on XX/XX/XXXX when I attempted to buy groceries at XXXX on XXXX XXXX in XXXX, XXXX  ; however, the hackers were able to use the card the very next day. I am unsure how that occurred if the account was frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with " DPT EDXXXX '' and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 


DPT EDXXXX XXXX Balance : {$2200.00} DPT EDXXXX XXXX Balance : {$3700.00} DPT EDXXXX XXXX Balance : {$2200.00}

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 2022-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
An charge of {$450.00} was posted to my Chase account on XX/XX/21 for an XXXX. I reached out to Chase to investigate as we do NOT have an XXXX account and have never used their services. Chase issued a temporary credit. Months later, the charge reappeared and I was told that I should have made the complaint with a different Chase department. I followed their lead and opened a new fraud complaint. 

A new credit card number was issued and a new investigation opened by CHASE. 
I reached out to Chase again after they concluded the charge was valid. I called XXXX ( as they reservation number is clearly printed on my credit statement. ). The reservation is under someone else 's name. 

We don't have an XXXX account and XXXX told me chase had not investigated with my card number. Chase sent a letter indicating they will not investigate. Our card is in excellent standing and they are not helping at all! 

We need your help! Please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05 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: NC

Complaint narrative:
in accordance with the Fair Credit Reporting Act the extensive hard inquiries are currently listed without me ever speaking or giving consent to have my information listed. Please take care of this issue. 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 explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX I put an envelope with a {$63.00} check to XXXX XXXX in the mailbox near my house. The next day a postal worker took my {$63.00} check from the mail and gave or sold it to another man who forged his name on that check as well as a new amount of {$9200.00}. He cashed it at his bank ( XXXX XXXXXXXX XXXX ) on XX/XX/XXXX and my bank ( CHASE ) transferred the money out of my account. 

The postal worker has been arrested ( XXXX XXXX XXXX  ) but here 's the challenge, CHASE won't give me my money back. 

CHASE keeps telling me to wait, but it's been 4 months. CHASE also says it's up to XXXX XXXXXXXX XXXX to put the money back, but it's CHASE I trusted with my money and they took the money out of my account. 

I have the carbon copy of my original check and a picture of the forgery that can be provided. I've filed a police report and have all the documents needed. 

Here is a timeline of my attempts to get the money back : XX/XX/XXXX noticed fraud and called Chase, they said theyd mail me documents and couldn't e-mail them or fax them ( unnecessary delay ) XX/XX/XXXX went to local Chase branch, banker filled out forms, notarized, and faxed them in to Chase fraud XX/XX/XXXX Chase fraud department says they were not received and gave a new fax number. I went to local branch again and they faxed to both numbers XX/XX/XXXX local Chase branch overnighted documents to Chase fraud department and said they were signed for XX/XX/XXXX XXXX XX/XX/XXXX called Chase fraud, documents still not received, asked for supervisor, local bank uploaded documents XX/XX/XXXX Chase finally puts a date stamp on fraud documents, 60-90 day window begins. Received letter Were working with another bank on your check claim XX/XX/XXXX called Chase fraud department, no update XX/XX/XXXX local bank calls Chase fraud department who says they are at mercy of XXXX XXXXXXXX XXXX, which I took issue with. With $ XXXX in revenue, I said they should put the money back in my account instead of waiting for XXXX XXXX XXXXXXXX since they allowed the money to be taken out of my account without any notice XX/XX/XXXX call from Chase escalation department who says there is nothing they can do, just have to wait for investigation to be completed, could be over 120 days XX/XX/XXXX - meeting with local Chase, who tried to have money put back by claims department but was told they don't have the authority and that I should call XXXX XXXX  XXXX XXXX The Chase claim numbers are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I revoked my ACH on XX/XX/XXXX with Avio Credit. I got confirmation from them via email on XX/XX/XXXX. I talked with a representative confirming they would cancel on XX/XX/XXXX the ACH for XXXX. They still took out the money and admitted that I had confirmed it wouldn't hit my account. I was going to make a final payment for the balance. They are now saying I had to cancel with them over the phone and the email confirmation doesn't matter. I did call and cancel over the phone and they said that doesn't matter because I had a " promise to pay ''. I asked how I cancel that and they said email and call. Which I did. 

Charge was {$200.00} on XXXX to my checking account with XXXX XXXX XXXX XXXX 

They are predatory and abuse their ability to pull funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, 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 have contacted Equifax and complained about a fraudulent account appearing on my credit report ( XXXX XXXX XXXX  XXXX Credit card Account number XXXX and XXXX XXXX  XXXX Account number XXXX ). I was transferred to the fraud department and they requested I submit and FTC report. Which I did to the XXXX bureaus, XXXX and XXXX were able to validate my claim and remove fraudulent account. Equifax is the only one that has yet to remove the fraudulent account. This is really affecting my personal finances as I try to keep everything in order and pay all my obligations on time. It is also affecting my creditworthiness, and I'm being rejected for housing or apartments. I already explain to them that my information has been made available to the dark web, due to several breaches. This has been a real exhausting process, and a stress on my poor health. I do not know what else to provide them, to proof that I did not open said account. My next step is to go out of my pockets and get an attorney involved to help me resolved this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
My identity was stolen, it was reported and taken care of. I received a collections from Jefferson Capital Systems saying I owe XXXX money. I advised them I have never had a XXXX account. I asked for a debt verification and they denied to provide me that information. I have requested it twice, and they will not send me a verification that the debt is mine. 

This was with another collections company and I disputed it with them as the debt not mine, it was removed. This debt appeared with a new company a year and a half after it was removed. I have called XXXX and they have advised me they don't have any account information for me. I have been on a battle to dispute this debt endlessly with XXXXefferson Capital and they are refusing to comply with a verification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am a victim of identity theft. My personal information was used without my consent or knowledge. I have disputed the incorrect items with the credit bureaus and the creditors. Neither have ever shown, or sent me any proof that these were mine, no contracts or signatures. The items I want removed for fraud are XXXX XXXX XXXX XXXX XXXXcct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX ( acct # XXXX ) and 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 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CMRE Financial Services, Inc.
State: PA

Complaint narrative:
Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report. I have brought this to the attention of reporting agency and is it still showing on my credit report XXXX XXXXXXXX. 

CMRE FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TX

Complaint narrative:
On XX/XX/2022 I applied though XXXX & XXXX online for their 0 % credit card 18 month credit card which went through the comenity banking for their card. I was then denied the following week due to a incorrect credit score that the reported from a third party known as LexisNexis Risk Solutions. Which is not XXXX of the XXXX recognized agencies. My score was 300 points less than what the recognized agencies reported. I called the number that was provided on the letter and was told that I am wrong and that their agency reports their score 200 points less from the other agencies. I argued with them that according to the XXXX agencies which I have access to my score for free my score is a XXXX, and XXXX and the letter that I received said XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I requested Capital One investigate fraud charges and remove late payments on my credit report caused by these fraudulent charges which I reported to them over the phone. The call was recorded and the agent on the phone stated that as long as I write a letter these late payments would be removed from my credit report. The following letter was sent to Capital One in XXXX and I was never given a response. 



Attached Letter : I am writing to request Capital One to send notifications to credit bureaus to assist in dispute of payment delinquency caused by fraud charges. 
XX/XX/2022, I noticed an email which stated I was late on a payment, so I paid it. I was surprised to see I had a payment due for that card because I hadnt seen it in a while, but I got busy with XXXX coming up and didnt feel like looking further into it. I was going over my finances on XX/XX/2022 and looking at the charges from this account. I didnt recognize any of the charges and I havent used that card in a long time. Due to the initial fraud charges, I wasnt aware I had to make a payment due to these fraudulent charges and as a result I incurred a delinquency on my credit score. 

Please see the following fraud charges which caused the delinquency : XXXX XXXX, XXXX  XXXX  XXXX XXXX  {$14.00} XXXX XXXX, 2022 XXXX XXXX  XXXX XXXX XXXX {$77.00} Please remove the late payments from my credit card report. See attached copy of my credit report where Ive highlighted the errored delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2022-04-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts do not belong to me, please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My letter dated XXXX which was mailed to you on XXXX. That letter was mailed to you by XXXX MAIL XXXX XXXX XXXX XXXX XXXX. The letter was received by XXXX XXXX on XXXX. However, there is no record of my letter new documents in your XXXX System. I have filed a complaint with your Dispute Department and your Office of Consumer Affairs. 

THIS NEW AND RELVANT EVIDENCE. DO NOT INGNORE THIS COMPLAINT. 

On several occasions you have claimed to have verified the XXXX XXXX account as being accurate. Im providing new and relevant information that proves the information is not accurate. 

According to the XXXX XXXX Explanation of Surplus or Deficiency the balance they calculate is {$27000.00}. However, they failed to include refund they received in unearned premiums for the XXXX XXXX XXXX which was canceled prior to the contract termination date. The request to cancel the policy was processed and a refund was issued in the amount of {$540.00}. This amount was refunded to XXXX XXXX. XXXX XXXX never adjusted the deficiency balance. The balance remains {$21000.00}. 

CC : XXXX  State Attorney General CC : XXXX State Attorney General XXXX : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am a natural person, consumer writing this complaint and not a credit repair company. 
Thank you for taking the time to review my complaint. 
It has come to my attention that if any individual or company uses your no public personal information to create an account, thats identity theft. 
I am writing today related to an account listed on my consumer report. While reviewing my report I noticed an entry made by National Credit Systems for the amount of {$2300.00}. I disputed the item attached on Monday XX/XX/2022. Following the dispute National Credit System deceptively attempted to settle this alleged account for {$1200.00}. I did not respond. 
I have never initiated any transaction with anyone employed by National Credit Systems nor gave this company permissible purpose for any account to be furnished on my consumer report pursuant to 15 USC 1681b ( a ) ( 2 ).

The reporting of these account is/are violations of 15 USC 1681a and also constitutes identity theft. 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Send me every document pertaining to this entry used to validate this debt, including, a summary of rights, verifiable proof of contract, Complete account history, including any additional charges added, names, addresses, and phone numbers of everyone contacted during your reinvestigation. The FCRA says that these companies has to tell me this in 15 days if I ask. Also, what is the date of the commencement of delinquency? Dont provide the generic 7 years response. I am aware of that. Tell me specifically when this account allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So which is it? 
I refuse to pay this debt, pursuant to 15 USC 1692c ( c ). I wish to terminate all further debt collection efforts related to this entry with National Credit Systems, XXXX, XXXX, XXXX, through all mediums except by mail. I also wish that this alleged account be sent back to the creditor immediately. 



In the absence of information mentioned above, I demand this entry be deleted immediately from all consumer reporting agencies. 
This damaging entry has only added to my emotional distress and anxiety and decreased my credit score. I appreciate your prompt response to my concern.

Company response to consumer: Closed with explanation