vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint against the collection agency, I C System. This collection account is reporting not only as open but also shows a past-due balance of {$2200.00}. I am disputing the validity of the alleged debt claimed by I C System and have significant concerns regarding their compliance with federal consumer protection laws. 

1. Violation of Validation Requirements : I C System has failed to provide the required validation information as stipulated under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have proceeded to place the collection on my consumer report without my consent or proper notification.

2. Denial of Dispute Opportunity : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to dispute the debt within a certain timeframe upon notification. I C System has not provided me with an opportunity to dispute the account, thereby denying me my rights under federal law.

3. Deceptive Practices : I believe that I C System is engaging in deceptive and misleading practices, which is a violation of my consumer rights. They have used false information and deceptive means in their attempts to collect a debt, actions which I consider to be unethical and illegal.

4. Unauthorized Reporting : Furthermore, I C System has no authority to report any debt to consumer reporting agencies without fulfilling all legal disclosures required by 12 CFR 1006.34 ( d ) and 15 USC 1681_S 2 ( 7 ) ( a ). Their failure to provide these disclosures before reporting the debt is a clear violation of federal law.

Given these concerns, I hereby : -Dispute any and all debts claimed by I C System.

-Revoke all consents previously given, if any, to I C System for communication through email, text messages, and telephone calls, in accordance with the rights afforded to me under the Federal Debt Collection Practices Act.

-Request a copy of the purchase agreement between I C System and the original creditor to substantiate their claim.

-Request proof that I C System is licensed and bonded to collect debts in my state.

Please take immediate action and investigate these matters thoroughly. I expect I C System to comply with all legal standards and cease all deceptive and unauthorized practices immediately.

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution.

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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've consistently ensured that payments on this account are made promptly, avoiding any overdue situations. However, I'm uncertain about the reasons for reported late payment remarks on my accounts. Referring to XXXX XXXX XXXX - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: NY

Complaint narrative:
My name is 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 2024-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
During the Pandemic The Summer of 2020 My Credit Card and Wallet was stolen from my Job. Due to company contract i was told not to file a police report but immediately go file a report with the FTC, IN WHICH I DID in XXXX of 2020. I screen shoot receipt from 2020, i also did another report as advised my LEGAL Representation. I contacted XXXX XXXX  several times but they never returned my calls, so i sent a letter to XXXX XXXX XXXX GA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
See attached letter to you explaining all of this and my letters to XXXX with proof of not owing debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Sometime during the week of XX/XX/2024, After attempting to have a new card issued to me over the phone, chase bank declined to give me a new card unless I went to the branch to verify myself. I went to the chase close to me and then I was denied service there because they did not accept my state issued commercial drivers license due to a minor damage on the corner. The damage did not affect their ability to verify me in any way and did not impede their ability to see any of my public information ( Name, Birth date, Address, DL number ) This has halted my ability to have funds available to me and pay my bills on time. They have also refused to issue me a digital card. This too has hindered me from being able to operate day to day functions. 

I am demanding that my digital card and physical card be issued to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Good evening, Everytime I go open an account my account was breach my identity was stolen and I things open on my account that shouldve been check for years bank accounts someone hacked XXXX showing driver listened that was stole and I wanted change the picture because of the situation but they didnt want to change it i been fighting for years asking why am I getting no responses call early warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/XXXX, check # XXXX for {$670.00} payable to XXXX XXXX XXXX, was mailed for rent. A few months later, I discovered that the check was fraudulently endorsed between JPMorgan Chase, XXXX XXXX XXXX and XXXX XXXX. I began an investigation with Chase on XX/XX/XXXX. This continued into XXXX! 

After more than a year of calling Chase 's Customer Service Center seeking resolution, I was informed that XXXX XXXX was responsible. I then reported XXXX XXXX to the FDIC as they went bankrupt! My report was forwarded to the Consumer Financial Protection Bureau. XXXX XXXX  ( new owners ) then chose to respond to the CFPB as follows : The issue was between Chase Bank and my Landlord. ( See attached letter from XXXX ). 

More than one year later... 

Chase has never accepted responsibility for the fraud, instead giving me the run around for more than one year. I would like a resolution from JPMorgan Chase. I have banked with THEM for 34 years since XXXX. Yet, they refused to credit my account for the fraud, while they investigated. Instead, I paid that rent again, trying to avoid interest and additional charges, with the hope that my bank would " Do the Right Thing. '' Sadly... they have not! 

I am now out of {$670.00}, with Big Banks not taking responsibility for any of this fraud. I would like an explanation from Chase and a resolution. I have Call Notes and paperwork to support my claim and proof of my double-payment to Chase and the Landlord along will all paperwork submitted to the CFPB. 

Original CFPB complaint ID : XXXX. 

Thank you for your consideration of my new claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
I received a text saying they was from the company and that they was doing work to prevent this from happening this was on XXXX the XXXX and then I started seeing money come out my account two for XXXX $ and XXXX charges of XXXX $ sent to two people that I dont even know. I called to disputed and file a claim and let them know what was going on. They sent me email the XXXX saying my claim was denied and I will not be getting any of my money back. so I found the appeal the same day and then on the XXXX they told me again that I was not able to get my money back so thats when I reached out to you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: OK

Complaint narrative:
I viewed my credit report and noticed that there are incorrect accounts.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the accuracy of several accounts on my credit report. Upon reviewing my credit report, I have discovered that these accounts are being reported inaccurately and require immediate attention. Firstly, these accounts should not be included in bankruptcy as they were not part of any bankruptcy proceeding. Secondly, the balances being reported for these accounts are incorrect and do not reflect the actual amounts owed. There was an error in the reporting of these accounts and request that they be removed or updated to reflect their accurate status. I understand the importance of maintaining accurate credit information and request that you conduct a thorough investigation into this matter. 

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 explanation
Consumer complaint received 2024-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later i have not recieved a repsonse yet. I feel like i'm being taken advantage of and being ignored of my disputes section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2024-04-19 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: OK

Complaint narrative:
I viewed my credit report and noticed that there are incorrect accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-04-19 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: OK

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: PA

Complaint narrative:
I believe FCRA 605B says we should take out any wrong accounts from my credit report. Can you check the papers? Some of the accounts listed are wrong in terms of reporting, with wrong amounts and dates.

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 2024-04-19 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: GA

Complaint narrative:
I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX : Account number : XXXX is not complete and it's not accurate. 

XXXX XXXX : Account number : XXXX is not complete and it's not accurate. 

XXXX : Account number : XXXX is not complete and it's not accurate XXXX XXXX  : Account number : XXXX is not complete and it's not accurate I sent to XXXX on XX/XX/XXXX, asking them to reinvestigate the accounts above and here is my tracking number : XXXX XXXX XXXX XXXX XXXX I got the investigation back but noticed nothing was modified or updated. According to 15 USC 1681 ( 5 ) So I sent a letter on XX/XX/XXXX requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 USC 16811 ( 7 ). I did not receive description of the reinvestigation

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: NV

Complaint narrative:
Checkr is reporting a false item on my background report. I have contacted the courts and got a document from them showing that Checkr is still falsely reporting an open XXXX  charge and a driving record blemish when I have neither. I have attached court records as well as my driving abstract which clearly show no moving violations or misdemeanor. As well as their bogus background check that they refuse to re run or contact the court to clarify even though it has been disputed multiple times through them. They refuse to correct their own errors

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The late payment showing on my report are completely inaccurate. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit 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: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/2024 I ordered XXXX pair of sneakers from a XXXX  website to make the story short I found out that the company was fraudulent XXXX is what this people took out of my account and chime hasent done anything about it I filed 5 dispute and they all been denied because the investigation team said the merchant said they had sent me the packages I asked for the tracking number chime couldn't provide me that I requested the documents of the investigation the merchant never sent a tracking number we are already in XXXX XXXX and I just got off the phone with chime and I have to wait another 10 days to recieve this investigation papers cuz the supervisor that u spoke to 10 days ago failed to request them now I got ta wait another 10 days I'm so tired of chime and there lies

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-19 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I got scammed on XXXX. Realized it was a scam when I sent confirmation immediately and seller ask for confirmation. I called Wells Fargo immediately to flag the funds since they did not notice yet. Wells Fargo will not reimburse 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 2024-04-19 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I have never entered into an agreement nor do I have a contract with SPRINGOAKS CAPITAL, LLC XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX  XXXX. This is fraudulent and a violation of my right to privacy and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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