vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received an alert from a credit report monitoring tool in XX/XX/2023, that a new loan with a balance of {$16000.00} was taken out in my name with American Express. 

When I received the alert, I contacted American Express to freeze all my accounts and let them know of this fraudulent loan. Subsequently, I checked other credit reports and they show the same outstanding loan that I did not authorize. I then froze my credit reports with the agencies and had American Express initiate an investigation in XX/XX/2023. 

After about 6 months of no information, American Express notified me that they completed the investigation and found that I am liable for the loan. I asked them to provide the details of the investigation and never received anything from them. 

I subsequently called American Express numerous times to see if I can provide additional information to support my case. I was repeatedly placed on hold and transferred and nobody was able to help address my issue. I told American Express that it is easily verifiable if they checked the bank account that the loan funds were dispersed to. We can then call the bank together to verify if that account was associated with my social security. They were unwilling to do that and after some time sent my loan to a collections agency. 

I have now repeatedly received calls from a collections agency for a loan that I did not authorize and can not make any progress with American Express to investigate further. I do not have any details of how they even came to the final decision of the initial investigation. 

Furthermore, American Express canceled a valid credit card account that I had with them because of the outstanding loan, right after charging me for a {$650.00} annual fee. The annual fee was not refunded at all and so I paid them an annual fee just to have my credit card canceled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-08 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: NC

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I paid off the final balance of the CHASE credit card. The statement only had a balance. Next billing cycle charged additional interest. The statement did not say how the interest was calculated. I called the company and they explained it was interest on the balance prior to the day the full payoff amount processed. I was told I was being charged interest daily on the balance. Before the payoff. I asked them why when I had paid off the amount it wasn't calculated as my account was closed. They did not have a response. Then I asked why on the new statement it did not disclose how that amount was calculated. They did not have an answer. It's absolutely predatory for them to continue to charge without a final payoff amount explanation. So, if I did not know about the final interest payment. I would continue to be charged on the interest. A never ending hook and loop of interest. I asked them to disclose the way the interest was charged in writing. Evidently they do not need to disclose that. It should calculate days the past balance was carried before the payoff, and the daily interest it was carrying on a daily basis. I have to do the math myself to make sure I was not overcharged. HOW DID WE GET HERE?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # 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 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than recordsof convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate According to XXXX : Transunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates laws : 15 USC 1681i.15USC 1681S2 . 15 USC1681i5. 1681 USC1681EB : DELETE ACCOUNT

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 2024-04-08 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: IL

Complaint narrative:
Some used my information and did charges on my XXXX  XXXX  for XXXX  and numerous inquiries

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 2024-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
I was XXXX XXXX XXXX for {$700.00} XX/XX/year>. I provide them the police report and everything they still denied my request

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I declare under penalty of prejury ( under the laws of the united states ) I fexcuted outside of the United States that the foregoing is true and correct to the best of my knowlwdge. Further, I ceritty that i am authorized bty FEDERAL and STATE Law to file this dispute. I also understand that knowing and williful missstatements or omissions of material facts constitiues a ferederal criminal violation punishable under 18.U.S.C.1001

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
As of XX/XX/year>, my account with XXXX XXXX XXXX for furniture purchased via XXXX XXXX XXXX, was sold to XXXX XXXXXXXX XXXX, and to be serviced going forward by Concora Credit. My last payment with XXXX XXXX XXXX was made in XX/XX/year>. As a result of the 'Transfer ' of the XXXX XXXX XXXX account and their reporting of the account as 'Closed ', my credit score dropped significantly with all 3 bureaus ( >/= XXXX points between the 3 bureaus ). I contacted XXXX and XXXX in the latter part of XXXX and opened a dispute, respectively, to have the XXXX XXXXXXXX XXXX account updated to reflect 'Transferred ' instead of 'Closed ' ; In addition, I provided both bureaus with my Concora Account Number, as well as Concora 's contact information ( website address and business phone number ), to further assist the bureaus in confirming that the XXXX XXXXXXXX XXXX account was not 'Closed ' but 'Sold/Transferred " to a new lender/debt holder and my credit report to be updated to reflect the Concora account, all in the hopes I would recoup some, if not all, of the points to my credit score. Upon completion of the dispute investigation, both XXXX and XXXX informed me that XXXX XXXX XXXX confirmed the account was 'Transferred ', but are still reporting the account as 'Closed ' and that once Concora begins to report the account to the credit bureaus, it would be reflected as a 'New ' account, and would result in even further reduction to my credit score, as any 'New ' credit is assessed as a part of my overall credit profile and usage. I have no late payments and take great care with respect to my credit profile, as I have experienced a decline in my score and delinquency in my tradelines due to instability in employment in previous years. The recovery process has been long and difficult. I do not find it acceptable to be penalized and my score reduced ( significantly enough to remove from the category of 'Good ' to 'Fair ' credit ), due to the transfer of debt, a situation not within my control. For all intents and purposes, the debt is still the same and should be viewed as the same debt, regardless of transfer to a new debt holder/sevicer. In a credit score driven world, as it relates to financing or the extension of credit on any level, it is of the utmost importance consumers are not penalized for the policies/protocols of the reporting agencies, how they interpret information and subsequently reflect said information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: TX

Complaint narrative:
I disputed unauthorized hard inquires and collections credit bureaus and agencies failed to honor my rights as a consumer. 

Here are tracking number below : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2024-04-08 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: NE

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-08 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: NE

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion

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 2024-04-08 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: OH

Complaint narrative:
I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$21000.00} EXPERIAN XXXX XXXX XXXX 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 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

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 2024-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase allowed wires to be sent to a company different to the name I provided. They did this despite requiring me to provide and fill out a complete template listing the company the wires were meant to go to. The other account that was fraudulent was a bank account also with Chase. So, they knew at the time they checked the template it was not going to the company I stated on the Template. Further their response is that I put the wrong number in therefore my fault. Yet just 3 months ago they made a mistake and put {$120000.00} into my account and did not know they made the mistake for a month till I notified them. How am I responsible get the number right but they are not? In my instance they had further information to use but could not be bothered. In their deposit to me they made an identical error entering the wrong account. It has got to work both ways. Further, how can they allow an account to be opened by a fraudulent company without having checked the company out and confirm both the corporate docs and personal ID required to open an account. I can provide addition issues in my account since the Chase Data Breach in 2023. 
How is this not negligence?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: GA

Complaint narrative:
I wrote a letter about unknow and unauthorized inquiries on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: OH

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$26000.00}

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