vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 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: NJ

Complaint narrative:
RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. 

XXXX XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported oXXXX XXXX XXXX XXXX XXXX  Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX XXXX XXXX XXXX  Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
My credit reports are inaccurate, incomplete and the XXXX XXXX XXXX accounts have not be validated as mine. All have been unverifiable by this creditor. 

XXXX XXXX XXXX has failed to properly investigate the alleged derogatory accounts listed as charge-offs in the amount of {$15000.00} and {$10000.00} on my TransUnion and XXXX credit reports. In addition, mark my account as disputed within the 30-day time-frame which is required by law. I requested information of the original contract I allegedly physically signed and supposedly agreeing to their payment terms when I supposedly opened the account. This is a violation of the FDCPA and FCRA. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). To this date, no information has been provided to me by XXXX XXXX XXXX regarding these accounts nor action to remove these accounts from my credit reports. This information has a large negative impact on my credit score. 

I have sent certified letters ( with tracking info ) to XXXX XXXX XXXX on the following dates. 
XX/XX/23 XX/XX/23 I have also sent certified letters ( with tracking info ) letter to TransUnion and XXXX regarding this same issue on the following dates : XX/XX/23 XX/XX/23 XXXX has removed both disputed derogatory XXXX XXXX XXXX accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Had card for almost two years, never missed a payment or was late, not even once. Called company in XXXX to remove auto pay from my now closed bank account. Capital One never remove it and I didn't know because the account was closed. I continued to call and make monthly payments ON TIME yet they still added a late payment and fees for one month! I hadn't used the card that often until XXXX. Once i used 90 % of my credit and closed a previous account with capital one they instantly closed this account on the same day and sent it to collections. This is a scam! Now I have higher interest on a card that i cant use. Contacted company atleast 5 times to Un restrict my card and they stated that the card was canceled when it says " restricted '' online. This is a scam to keep people in debt. Ive asked for a cooperate contact and was directed to an email. I was told my account would be reopened after 10 days and continue to make payments its been a month and after my last call on XX/XX/ I was told my account would never reopen and i did not qualify for another crad. this company is scamming people

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
My credit reports are inaccurate, incomplete and the JP Morgan Chase accounts have not be validated as mine. All have been unverifiable by this creditor. 

JP Morgan Chase has failed to properly investigate the alleged derogatory accounts listed as charge-offs in the amount of {$15000.00} and {$10000.00} on my XXXX and XXXX credit reports. In addition, mark my account as disputed within the 30-day time-frame which is required by law. I requested information of the original contract I allegedly physically signed and supposedly agreeing to their payment terms when I supposedly opened the account. This is a violation of the FDCPA and FCRA. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). To this date, no information has been provided to me by JP Morgan Chase regarding these accounts nor action to remove these accounts from my credit reports. This information has a large negative impact on my credit score.

I have sent certified letters ( with tracking info ) to JP Morgan Chase on the following dates. 
XX/XX/23 XX/XX/23 I have also sent certified letters ( with tracking info ) letter to XXXX and XXXX regarding this same issue on the following dates : XX/XX/23 XX/XX/23 XXXX has removed both disputed derogatory JP Morgan Chase accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In according with the fair Credit Reporting Act XXXX XXXX XXXXXXXX ( XXXX XXXX ) violated my rights. 

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 furbish 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 2023-09-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: MD

Complaint narrative:
I did not apply for a Chime Debit card but received a card today. I tried calling but the issue is not resolved. How can I complain about this company? I want to close this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This letter is in response to you concerning the collection of the above referenced accounts. I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with myState Attorney General and that the Statute of Limitations for enforcing this type of debt through the courts in Virginia has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired.This letter is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me by mail, phone on any number, regarding this or any other matter. You may contact me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws, Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I reserve the right to record all phone calls and violations of the FDCPA can result in you or your company being fined up to {$1000.00} or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: MS

Complaint narrative:
18U.S.C 8 15U.S.C1691, 15U.S.C.1692e ( 3 ) ( FCRA ) -15 U.S.C 1681et seq the term " defamation '' means any action or commuinication that injures a person. 28 section4101 provides for pupose of a civil action for defamation.

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 2023-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My social security has been compromised and used to apply for credit. I received numerous alerts from different vendors regarding credit inquiries for multiple cards and home lenders.

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 2023-09-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My social security has been compromised and used to apply for credit. I received numerous alerts from different vendors regarding credit inquiries for multiple cards and home lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
incorrect information such as addresses and jobs

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 2023-09-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
incorrect information such as addresses and jobs

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated 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 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a 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 2023-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 non-monetary relief
Consumer complaint received 2023-09-27 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: LEXISNEXIS
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX SSN : XXXX DOB : XX/XX/XXXX RE : Inaccurate Information NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I have recently been informed that there is negative information reported by Pennsylvania Eastern Bankruptcy Court in the le you maintain under my Social Security number. Upon ordering a copy of my Lexis Nexis consumeXXXX report, I see an entry from this court listing with Reference # XXXX led on XX/XX/XXXX The entry with Reference # XXXX led on XX/XX/XXXX with this court appears to be inaccurate. 


I AM FORMALLY REQUESTING AND EXERCISING MY RIGHT TO PRIVACY OF MY INFORMATION. 

XXXX. Congressional ndings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following ndings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I request verication and validation of this information with the Pennsylvania Eastern Bankruptcy Court and provide me with copies of any documentation associated with this account granting you authorization to obtain and furthermore report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately DELETED from the Lexis Nexis consumer report and consumer le that you maintain under my Social Security Number.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I PROVIDED NO SUCH WRITTEN INSTRUCTION TO LEXIS NEXIS TO OBTAIN OR FURNISH THIS REFERENCED ACCOUNT WITH THE PENNSYLVANIA EASTERN BANKRUPTCY COURT. I REQUEST A DELETION OF THIS ABOVE-MENTIONED ACCOUNT IMMEDIATELY FROM MY CONSUMER REPORT. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: UT

Complaint narrative:
As XXXX  I have received the response from Experian stating and I " Quote '' You are requesting to have the disputed items corrected or deleted from your report. At your request to conduct a reinvestigation, we contacted the public record vendor and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. The result summary was sent to you for review on XXXX XXXX XXXX   and XXXX XXXX XXXX Now I've reached out to the Bankruptcy Court house and in my the letter and they clearly states that and I " Quote '' they said ( other than a response to a specific request like the one you have made, the Court does not send files, or otherwise provide any information about any debtor to anyone! ) end " Quote ''. Now what public record vendor provided you with hearsay and yet you respond with no proof of your verification. I'm the debtor and the courts clearly stated they don't share any information with anyone not Experian, XXXX, XXXX or third parties period. So how can your public vendor verify this information? IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER THEREFORE, YOU INTTIAL RESPONSE VERIFYING THE ITME WITH THE COURTS WAS EITHER AN ERROR OR A LIE. EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C 16811 ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY. 1. 15 U.S.C 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 U.S.C 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I WILL FILE THIS AS FRAUDULENT WITHOUT KNOWLEDGE OR CONSENT. you have bluntly lied and confirmed this has been verified by a phone call but no proof!

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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting some personal information - 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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting some personal information - INCORRECT ADDRESS 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 a 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 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Since I opened this checking account at Wells Fargo on XX/XX/2023 I never get my debit card, also I cant enroll into the online banking because the system requires that information because I dont have a XXXX ( im not XXXX XXXX ), I called several times to customer service and they denied the service to send me a new debit card to my address on file saying they cant verify my phone number ( same as the phone on the system ) This is the third claim I open here to have the issue fixed because im not in the XXXX to go to a branch. 
Just need the replacement debit card so I can enroll in the online banking.

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