vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XX/XX/2021 XXXX  Experian XXXX  has not complied with the ( FCRA ) 30day investigation rules and has not Verified anything

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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian sent me a letter, stating my dispute was claiming material misrepresentation which is a lie on their behalf. First of all Experian continues to certify a charge off account and continues to report said account every month as derogatory. I do not owe this account. This debt has been discharged in my Chapter XXXX bankruptcy case. Yet Experian continues to attempt to allow the creditor to collect on the account. Discharged debts in US Bankruptcy court are not collectible. Experian fails to comply with the bankruptcy laws. This account has been discharged and it should be marked as such paid and closed. Chapter XXXX bankruptcy. Which was filed on XX/XX/2021. All credit bureaus have reported this account discharged. BESIDES EXPERIAN. Failure to comply with the law will allow me full rights to sue Experian for violating the us bankruptcy laws that protect consumers.

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 2021-07-29 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: LA

Complaint narrative:
Chase Bank says I have to pay over {$5000.00} for fraud charges. Crazy thing is I have two chase credit cards, both of which had fraud charges from the same merchant for thousands of dollars that were made on the same day. On one card they admitted it was fraud and removed the charges but on the other they say I told them it was a valid charge. I NEVER told them these charges were valid. The only reason I called in the first place was to report the charges so why would I say they were valid? That makes no sense. I clearly was not in XXXX where the charges were made. I have proof I was working that day. They couldnt/wouldnt tell me anything about where or even how these charges were made. How can charges on one card be fraud and the same exact charges on the other ( from the same merchant ) be me? They admitted the charges were fraud when they removed them from my chase freedom card. Its obvious fraud but they are going to force me to pay them thousands of dollars that I dont have. Ive been a chase customer for almost 20 years and have never had any issues. I have a checking account and 2 chase credit cards ( that I will no longer be using. ) I no longer feel safe with Chase. Im just appalled by the way this was handled what little they did to help me find the truth. I am contacting an attorney as soon as possible to find out what my options are because I plan to fight this. The proof is there and I am left with no more options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian keeps dinging my credit score ever since I had a dispute. The first ding was for collection that was not mine -198 points. After their investigation and removal of collection they returned 51 points. Now they take 4 points off everyday my score was a XXXX now it is a XXXX. It has never been returned to the state it was in before this fake collection was put on. I also find it very odd they are allowed to give a credit score as they are biased. Biased as in everyday they send a join our membership and 1 hour later bam another ding. Everytime you don't purchase a hour later ding. Any and all credit reports need to be unbiased. They are using a credit score to make you purchase the product they are saleing.i find this unacceptable. Furthermore they reply we can't change your score because a computer does it all WHAT a computer runs everyone 's score?? No one can change. I think they lie and are manipulating scores to force people to buy products they sale.

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 2021-07-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a group of invalid transactions for which the merchant owed me full refund. Capital one recovered these amounts through the Visa Dispute process, and the disputes have been fully resolved as of XX/XX/2021. After the credits were fully resolved, my account has a credit balance of XXXX. On XX/XX/2021 the credit balance was XXXX  from my account to be mailed back for the credit balance refund. This refund was never received and was supposedly pending for approval to assure the dispute cases were fully expired. This has been pending since for 6 months, and still as of today the my credit balance refund has not been received. I called multiple times, and all Im continuously told is that I need to wait 30 days. At one point Capital One has suggested for a faster resolution to go directly to the merchant. However, the merchant has confirmed that all these chargebacks were already processed 7 months ago and they wont refund me again after all these were already credited to the capital one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: NY

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$9000.00} ) ( XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/21 an unauthorized transaction was completed from my savings account to my checking account in the amount of {$5200.00}. The amount of {$5200.00} plus an additional {$3000.00} that I had in my checking account equaling a total amount of {$8200.00} was then wire transferred to a XXXX XXXX account under the name of XXXX XXXX XXXX with a memo claiming " Boiler Repair ''. This transaction was done without my knowledge or approval. 

I have had two declined claims from Chase and am currently in the process of a third claim with Chase 's executive office ( claim # : XXXX ). I would like to claim the transactions between accounts and the wire transfer as fraudulent and unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: MO

Complaint narrative:
this account has been changed from one collector to another. i have asked for proof of why they say i owe this. after asking them, they continue to send old info. or they just dont want me to know. please stop this. i dont know what company it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XX/XX/2021 Equifax, XXXX XXXX, has not complied with the ( FCRA ) 30day investigation rules and has not Verified anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This is a new complaint. 

I contacted Capital One on XX/XX/2021 with an Affidavit of Truth containing 980 violations of my consumer rights identified and highlighted. Pursuant to 15 USC 1692k each violation of Title 15 Chapter 41 is worth {$1000.00} paid in damages to the victim. That's {$980000.00} in violations and I also included damages for defamation of character, pain and suffering, fraud/identity theft, and attorney fees totaling {$520000.00}. Pursuant to 15 USC 1692k ( a ) ( 1 ) I can seek ANY, meaning whatever amount I feel satisfies the pain I endured from their fraudulent actions. Now, Capital One responded on XX/XX/2021 to my Affidavit of Truth and Invoice/Bill of Particulars without an affidavit of their own, therefore my affidavit of truth went unrebutted, placing them in default. Nor did they provide any proof that they " loaned '' me money via a notarized ledger entry showing money leaving one of their accounts and entering my account ending in XXXX. They provided nothing of the sorts, and confirmed that they have committed identity theft and fraud. I've attached my original Affidavit of Truth, all the violations I found and highlighted from past correspondence with Capital One, my Invoice/Bill of Particulars, my Notice of Default to them, along with their response on XX/XX/2021 to my Affidavit of Truth and Invoice/Bill of Particulars. They are in major violation and need to pay my demand expeditiously. With this Notice of Default I sent out today on XX/XX/2021, they now have 10 days from today to pay this Invoice/Bill of Particulars or be in further default.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies.

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 2021-07-29 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 do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

They also violate my HIPAA Privacy as they failed to protect my medical records and other personal health information.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
XX/XX/2021 Prepaid online to rent car from XXXX {$210.00} XX/XX/2021 Car rental agency charged my credit card on XX/XX/2021 {$260.00} XX/XX/2021 Contacted car rental agency and was told they would look into. 

XX/XX/2021 Filed dispute with my credit card owned by Barclays, Claim # XXXX. 

XX/XX/2021 Contacted by my credit card, instructed me to provide all receipts, credit card statements, bank statements, notices, printouts, etc and fax to XXXX of which I did. ( later learned I was given incorrect fax number ) XX/XX/2021 I contacted my credit card for status, was told my claim was closed because they did not receive required documentation as instructed on XX/XX/2021, was informed I had incorrect fax number and was given XXXX. 

XX/XX/2021 I refaxed all required documentation and mailed out hard copies as well. 

XX/XX/2021 I called credit card company to confirm all required documentation was received. 

XX/XX/2021 I received a letter from my credit card company dated XX/XX/2021. 
" After further review, we're not able to assist you with obtaining a credit to your account due to the following : " '' Insufficient proof that the merchant has violated the invoice/contract 's terms and conditions. '' '' I prepaid for a car rental and was then charged a second time for the car rental and my credit card 's notice dated XX/XX/2021 does not address this issues. 

I no longer have any faith in my XXXX Visa/Barclays credit card and need your assistance please.

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 monetary relief
Consumer complaint received 2021-07-29 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: MA

Complaint narrative:
HI CRA ; HI cpfp ; Look at the attachments and screenshots of those unverifiable accounts. I been trying to resolve this for months now but i continue to receive genetic responses from the credit bureaus saying that it was verified. Impossible that i can be verifiable as being accurate. 
It continues to report incomplete, misleading, erroneous and multiple inaccuracies. How is it even possible that it can be verified as accurate ... no way. so many inaccuracies on these accounts the way it's reported. i need your help in removing these all. again, Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XX/XX/2021 XXXX XXXX, Transunion, has not complied with the ( FCRA ) 30day investigation rules and has not Verified anything

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 2021-07-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XX/XX/2021 XXXX, Experian, XXXX, has not complied with the ( FCRA ) 30day investigation rules and has not Verified anything

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 2021-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: MO

Complaint narrative:
The same company keep putting XXXXXXXX XXXX on my account the take it off put it back now they are saying it's accurate. Have live at my address fir 7 years have never had XXXX.

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 2021-07-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This item has been disputed time and time again and it is being reported inaccurately, please remove this item from my credit report. Under the FAIR Credit Reporting Act this item has to be removed. I have attached two different credit report from Equifax showing the information being deleted and every time i pull my report from a credit monitoring platform ( XXXX  XXXX  ) it still pops up and its holding my scores back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TX

Complaint narrative:
My client has a collection from an apartment complex, but my client paid everything once he moved out. Not only the apartment complex didn't give him back his deposit, but they are also claiming extra balances and fees that my client does not recognize. Hunter Warfield bought the debt and it's been trying to collect the amount claimed. On XX/XX/2021I sent a letter asking for verification of the debt, then on XX/XX/2021, the collection agency sent us a copy of the lease contract and a separate page with balances and charges that my client does not owe. On XX/XX/2021 I proceeded to send a second letter stating that the extra fees and balances that they are claiming are not written down in the original lease contract. By today XX/XX/21 the collection agency still hasn't responded.

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