vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding the persistent challenges I have encountered while attempting to remove multiple fraudulent items from my credit file. Despite my ongoing efforts to rectify this matter, these fraudulent items continue to negatively impact my financial stability and creditworthiness. 

Despite my persistent and diligent efforts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, these fraudulent items persist on my credit file, causing significant financial hardship and impeding my ability to secure credit and financial opportunities. 

I respectfully request the following actions to be taken promptly : A comprehensive and immediate investigation into the fraudulent items in question, including thorough validation of their accuracy with the creditors. 

If the items are found to be fraudulent, their immediate removal from my credit file. 

A written acknowledgment from your agency confirming the correction of my credit file once the issue has been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to address this complaint with the utmost urgency. Timely resolution of such issues is crucial for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify this situation promptly. 

Please acknowledge receipt of this complaint in writing within the exact timeframe and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX SXXXX XXXXXXXX Balance Owed : {$150.00} ; XXXXXXXX XXXX XX/XX/2020 ; XXXX XXXXXXXX XXXX XXXXXXXX, AZ 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 2024-01-29 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. 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. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

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 2024-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX, officer of the court representing JPMorgan Chase Bank, solicited a loss mitigation request and received mortgage assistance documents from XXXX XXXX on XX/XX/XXXX. XXXX XXXX, officer of the court for JPMorgan Chase Bank, never reviewed the mortgage assistance documents and made material misrepresentations to the Court regarding receiving and reviewing the mortgage assistance documents in response to a Emergency Motion to Stay a Sheriff Sale scheduled for XX/XX/XXXX. 
Emails are attached from XXXX XXXX, officer of the court for JPMorgan Chase Bank, NA. Indicating soliciting and receiving the mortgage assistance documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The following compliants XXXX, XXXX, XXXX, and XXXX. 

I am requesting XXXX XXXX XXXX ( XXXX ) to provide provide how they have validated that this debt belongs to me. I do not see a contract provided. I only see a bill which has my name, my INCORRECT ADDRESS, does not show my SSN, and this information was not submitted to me within 30 days after their agency received the debt for me to dispute the debt. The debt was reported as Fraud to XXXX XXXX XXXX XXXX 

Upon receiving the information about the debt. This was reported as Fraud to XXXX. 

I am requesting the method of accuracy and completeness of the method used by this collection agency to provide a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. [ FCRA 611 ( a ) ( 7 ) ] The information provided by this agency is unconvincing and insufficient to proved that I authorized this account to be opened and signed a contract agreeing to be responsible for this consumer debt.

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 investigate and correct for erroneous reporting in my file and are listed on my credit report : U S DEPT OF XXXX XXXX Balance : {$6200.00} DEPT OF EDXXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU XXXX Balance XXXX {$6200.00} DEPTEDXX/XX/XXXXXXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I formally disputed several accounts currently appearing on my credit file. In the initial dispute, I requested validation and verification of the said accounts, as they do not belong to me. 

To date, I have not received any documentation or proof validating the legitimacy of these accounts. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to receive proper verification within a reasonable time frame. It has been two months since my initial communication, and I am concerned about the lack of response. 

I understand the importance of addressing and resolving discrepancies on my credit report promptly. Therefore, I kindly request that you expedite the validation process for the disputed accounts and provide me with the necessary documentation as soon as possible. This information is crucial for me to understand the basis of these entries and take appropriate action to rectify any inaccuracies on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
CHASE Sent Me Later saying I tryed too Open An account I didn't open it they only told me they tried too open checking & Savings account and they only gave me the last 4 digits of the phone and told me to file a report with for fraud & Identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have called XXXX XXXX on multiple occasions. They have denied my credit limit increase and cant even explain the reason why. On the letter it says A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. Which I dont understand what that means and called and spoke with a rep and supervisor and they could not explain either! I make XXXX a year with a credit score of XXXX. It should be no reason my credit limit cant be more than {$600.00}. I also bring my card to a balance of XXXX  every 2 weeks. So I pay on this card twice a month in full. No late payment charges. I have been with this company for almost 10yrs now. When doing the credit increase it said it takes days for the report to come back and mine came back within hours like its an automatic rejection. This company is treating me unfair as a consumer with no legit reason of why and cant explain why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation
State: IL

Complaint narrative:
I signed instalment loan documents and never received the proceeds. I am being charged daily interest on a loan I never received loan proceeds for ... this was supposed to be direct deposited. I contacted local office about 5 times and they had to wait for their corportate office which gave a vague, strange and incorect response asking me to take a trace number to my bank to see of my bank could find their deposite. By the way my bank XXXX XXXX XXXX XXXX at local office said that the response from Heights finance corporation was false and that the " trace number '' that was given as a solution could not be accepted at all. Thats how it is left. I signed loan, they got all my information, ran credit and the local office had no direct ability to talk to their corporate office. They have to wait for days for a response from corporate. By the time is over it may be several weeks if ever I receive loan proceeds. In the mean time I have to pay interest accrued on this loan, my credit score was lowered. The local office just tells me there is no solution, they have no ability to contact their corporate directly ( only by email and it takes a long time for a response ) > Company name Heights Finance ( local office in ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I'm a XXXX father XXXX XXXX XXXX XXXX. It sometimes takes me a few day weeks sometimes months before seeing a fraudulent charge. I caught 3 charges reported them and was denied. Finally figures it how to get ahold of the merchant and was able to get them to return my money. Merchant gets back to me 1 week later saying they have tried but was denied by my bank. Sent emails to my bank showing them they were wrong and that the merchant was trying to return my money but they ( the bank ) denied the return. My bank tells me they will appeal the dispute decision. Even with emails from the merchant stating the return and being denied my bank still refused to let them return it or refund me them selfsame. I'm out {$120.00} because of this and multiple jobs because it has left me where I could put gas in my truck and lost out on multiple jobs. I'm a veteran and I'm sry I didn't fight for this country to be able to do this to someone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I canceled my cell service with XXXX on XX/XX/year>. The continued to invoice me $ XXXX month .. in spite of numerous attempts to stop ... for more than two years I would call the XXXX number and they would tell me..'You have to go into the store to cancel " Then I go into the store and they would say 'You have to call the XXXX number ' It just went round and round... they overcharged me at last {$2500.00}. And no one knew how to make it go away Now to make matters worse ... they sent {$180.00} that wasn't paid on my credit card ... because I don't use their service.. to a collection agency. The collection agency sent me one email that I am aware of ... and didn't I even see.. and filed collection and now they have ruined my 30 year credit score. It dropped XXXX points XXXX shouldn't be allowed to do this to people. It's predatory. 
The collect agency... Amsher Collection Services should make of an attempt to contact the debtors before sending to collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: DISCOVER BANK
State: MN

Complaint narrative:
XXXX of 2023 I incurred XXXX charges that were to be refunded to me by XXXX XXXX through disputes. Discover bank did not file disputes for the month of XXXX when I called in and requested the action. This was correct by me calling in again at a later date. I found out 120 days had been missed ( XXXX and XXXX XXXX regulations ) This bank mistake caused a loss of XXXX dollars to me. This is a direct mistake by discover disputes department employees and lack of care. I was treated improperly due to the monetary values as discover didnt believe what the customer had to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit 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: UPGRADE, INC.
State: MO

Complaint narrative:
On XX/XX/23 I was in training for a new security job. While in training my debit card was hacked.after my training I went to get something to eat at a burger place while I was there money was being withdrawn from a XXXX store. I closed the card and reported the incident. I informed them that I was in training when my card was hacked. They stated that they investigated but they did give me back my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
An account was opened on XX/XX/2023 by Credit Collection Servic ( XXXX, MA ) claiming I owe {$150.00} due to past business with XXXX XXXXXXXX XXXX I have never done business with XXXX XXXXXXXX XXXX This account was associated with a Florida address that has never been mine. There is also a variation of my name with a different middle name on my credit report ( I have never gone by this different name ). Credit Collection Services has never contacted me in any form, however upon seeing this fraudulent account on my credit report, I sent a dispute letter to Credit Collection Services and I called them, during which they were not able to find the account. I have disputed this fraudulent account information with all of the credit bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached XXXX XXXX ( PORTFOLIO RECOVERY ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer do not grant. XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. by the Fair Credit Reporting Act XXXX  XXXX, XXXX, and XXXX have violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
IMPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act, this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says 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 refurnish an account without my written instructions. Under 15 U.S.C 1666B, A creditor may not treat payments on a credit account under an open and consumer plan as late for any purpose Please remove the following account that I have never given my written instructions to refurnish thank you! 


XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2024-01-26 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: MO

Complaint narrative:
Shopping Mortgage rates. I was reviewing my credit report. While reviewing my report there were numerous credit inquiries from a company XXXX, XXXX, and XXXXXXXX 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 2024-01-26 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: MO

Complaint narrative:
Shopping Mortgage rates. I was reviewing my credit report. While reviewing my report there were numerous credit inquiries from a company XXXX, XXXX, and XXXXXXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: MS

Complaint narrative:
I used Lexington Services. They were to repair my credit. They kept charging me money but my credit report never changed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
12 CFR 1006.34 - Notice for validation of debts. 1006.34 Notice for validation of debts. ( a ) Validation information required ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : 12 CFR 1006.34 - Notice for validation of debts The following laws applies to my consumer report. I demand you cease and desist reporting the false information to my consumer report. I the information you have provided to the CFPB shows unconvincing and insufficient records of this debt.

1. Your agency has the correct spelling of my name 2. The bill does not show the correct spelling of my name 3.You agency has not proven the DOB and SSN belongs to the said consumer 4. The address is not my address which shows on my credit report.

5. The address is not a former address.

6. The collection agency did not send me an informal letter within in 14 days of the debt so I can dispute it and report it as FRAUD.

Please provide the methods your agency used to validate the debt. The information provided is unconvincing and insufficient to show proof the debt belongs to me.

Company response to consumer: Closed with explanation