vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-06 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: PA

Complaint narrative:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX  Balance : {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX Inquired on XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I tried to purchase a cell phone and was unable because of lack of history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: CA

Complaint narrative:
My name is XXXX, I had received an email from a scammer pretending to be the President of my company requesting for me to purchase {$600.00} dollars worth of gift cards to give them away to employees at an XXXX. As I believed it was the President of my company the day of the transaction was on XX/XX/XXXX at an amount of {$600.00} that was purchased on my debit card. When I found out that this was a gift card scam I immediately called Chase bank and reported the problem and they mentioned they could not help me because I made the transaction. I have a language XXXX so sometimes people can not understand me so I proceeded to call again the next day with my XXXX  that helps me. I told the bank although I did make the purchase I was mislead through false pretenses and was mislead by the scammers for gift card purchases. After explaining this to the bank I was told that they were going to put the money back into my account and I should not have to worry about it. The money never came back into my debit card and me and my XXXX  proceeded to call again and they said they were going to reimburse me the money while they did the investigation. The first person said that I would get reimbursed for sure with no issues and the second person said something completely different. I already felt deceived by being scammed and also felt saddened that the bank could not give me the correct information to help me with this unfortunate situation. Chase bank notified me that they were not able to help me and could not return me the money that was scammed from me as part of a gift card scam because I authorized the purchase. Again, I notified the bank that this was not an authorized purchase because I was deceived under the pretenses that it was my President of my company. The bank refuses to refund the money and was hoping to share my frustration and disappointment and hopefully get any time of help. I have also reporting the incident directly to XXXX and was notified that I would not be able to be helped with the gift card scams. I was mislead under false assumptions and I am a victim of a scam and hope I can get any help at all. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not authorize XXXX XXXX XXXX ( XXXX ) or XXXX XXXX XXXX XXXX XXXX XXXX  ) to open any accounts in my name or make any reports to my credit report. This is identity theft. I have NO knowledge of these 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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been a victim of identity theft. A fraudulent account has been opened in my name and reported on my credit are listed below. 

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 2023-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEXA Mortgage, LLC
State: AZ

Complaint narrative:
I contacted XXXX XXXX with Nexa Mortgage to apply for a new purchase mortgage loan and wanted to obtain a pre-qualification so I could begin shopping and submitting offers. When I spoke with XXXX XXXX, he explained that he was going to do a soft pull of my credit just to get the pre qualification done so I could begin the buying process. Then, suddenly a hard inquiry was placed on my credit and then XXXX XXXX took an unreasonable amount of time to get the pre-qualification letter over to my realtor, which almost caused me to lose a house I was interested in. Then, I asked XXXX XXXX for additional information and he kept giving me the run around, telling me he'd get me information by certain deadlines, which he would miss consistently. I had to XXXX  XXXX XXXX and go with a different lender as he was not honoring what was promised. I contacted Nexa Mortgage to file a complaint and was told I would receive a call the next day but no one ever contacted me back. I called to follow up and the line was disconnected so I called back and left a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX  XXXX Bankruptcy Case Number : XXXX 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it 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 explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
Tried contacting all credit bureaus to have unauthorized inquiries. They were not willing to help me removed them until I receive a document from the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I received multiple emails about a Capital One credit card that I never applied for. Then, I received the actual card in the mail on XX/XX/23. I called the Capital One fraud department and told them to cancel the card immediately b/c I never applied for it. They said they would and would report it as fraudulent to the 3 credit reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc
State: OR

Complaint narrative:
Williams and fudge trying to collect for a debt that is not owed to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to run inquiries on my credit report. I had no knowledge of these accounts/inquiries. THIS IS IDENTITY THEFT.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I requested for all closed accounts, and any accounts that violate 15-USC-1681b to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I requested for all closed accounts, and any accounts that violate 15-USC-1681b to be removed 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 explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am the writer of this complaint and I found some inaccurate and incomplete information on my credit report. Aren't the CRA 's required by law to conduct a thorough investigation and DELETE all inaccurate info? I have attached letters and my ID and SSC to verify my ID

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 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
After realizing that my credit card was lost/stolen, and noticing fraudulent transactions on my account portal, I filed disputes with Capital One against multiple fraudulent transactions on my card. My card was used to run up almost {$500.00} in purchases across multiple days, and from what I can tell based on the merchant names this was done primarily at theme park locations in Florida- I live in XXXX, OREGON and have not been to Florida in YEARS, nor was I anywhere near there at the times of these transactions, I haven't so much as left my state since XXXX. 
Capital One did NOT do their job in investigating this dispute - literally the same day XX/XX/XXXX that they acknowledged the dispute and processed a provisional credit they claimed that I " benefitted from these transactions '' and reversed the credit, closing my dispute with no evidence or explanation whatsoever of their alleged reasoning. 
I clearly DID NOT benefit from these transactions in any way, nor did I know about them or authorize them. They are NOT my purchases, and I sure as XXXX will not be paying Capital One for them. There is no chance they did an adequate job whatsoever looking into these fraudulent purchases given the timeline of their supposed " investigation '' and had they done their job they would've closed this dispute in my favor, as these are very clearly NOT MY CHARGES. 
In their letters/emails to me Capital One didn't even include all the charges I clearly laid out in my dispute, so clearly didn't adequately file/process my full dispute/claim. 
The moment I found out about these transactions- which only occurred because I saw my billing statement, I was never notified this was occurring during the time of the transactions despite having notifications set up that should've alerted me anytime there was a purchase- I locked my credit card and secured my account. I mailed Capital One documents to file the dispute - since they don't offer a customer service email and I can not call over the phone as XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX- and very clearly outlined each unauthorized transaction, merchant name, amount, and date. 
If Capital One thinks they're getting so much as a penny from me they're mistaken - I will not be making payments on purchases I did not make, and I will fight them to the end of time until these are reversed/removed from my account, and will be disputing these with all 3 credit agencies as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: OR

Complaint narrative:
Sent in a letter to this company on multiple occasions, sent in disputes with credit reporting agencies, this debt is due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
XXXX XXXX XX/XX/XXXX Credit Inquiry Dispute - Removal of misleading information Dear, Equifax Consumer Solutions, I am writing to dispute certain credit inquires listed on my credit report, which I believe contain misleading information. These inquires were made by XXXX XXXX, XXXX XXXX and XXXX. I have already contacted these companies, and they have acknowledged that the information in question is fraudulent. They have taken the necessary steps to delete this information from XXXX and XXXX. I kindly request that Equifax takes similar action and removes these inaccurate entries from my credit report as well. I have always been diligent in managing my financial affairs, and it has come to my attention that the inclusion of these fraudulent inquires on my credit report is significantly impacting various aspects of my life, it is crucial for me to maintain an accurate credit profile. To support my dispute, I have included the following relevant details : Creditor Name XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account Number : No Account Creditor Name : XXXX Date of Inquiry : XX/XX/XXXX Account Number : No Account Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account Number : No Account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Is 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 explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late

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 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld systems has been trying to collect an invalid debt. I asked for validation of the debt aside from the wrong information they're using to validate the debt they didn't send me the letter within the 30 day period. This invalidates the debt and allows me to collect {$1000.00} from them. I sent the letter asking for debt validation via certified mail with return proof. I sent to their headquarters and where they told me to send it. They signed for it on XXXX/XXXX/23. The letter they wrote validating the debt is labeled XX/XX/23. The letter I sent where to send it too they have a stamp that says " XXXX XXXX '' which they put in the date of delivery. I'm not sure what day XXXX XXXXXXXX days but it's over 30 days. 

So the validation was wrong and they broke the law by not responding in 30 days and I don't know if it's legal to use a stamp to sign for certified mail and not fill in the day you received the letter. Also the debt validation has wrong information it says XXXX XXXX was my referring physician. This is wrong and I will be googling and telling him that he is being used by a debt collection company to justify a debt. Also there's minimal information on the actual validation. It's riddled with blank spots. The original creditor XXXX XXXX should be investigated for insurance fraud XXXX XXXX did not refer me to them.

Company response to consumer: Closed with explanation