vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
[ XXXX ] ( XXXX XXXX XXXX  ) XXXX - {$5300.00} I opened a dispute on my chase card ending in XXXX on XX/XX/XXXX. 

The item ( s ) : 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 were ordered XX/XX/XXXX XXXX 

It was supposed to be delivered on XX/XX/XXXX. The item was not received by me and never signed for by me, but by a name I do not know. I have contacted the merchant and confirmed that the address it was shipped to matched, but nothing was received by me at the location at the time of delivery. 

I requested a new one reshipped to me, they refused after persisting for the next 2 months, even after filing a police report confirming that it was not received as a result of theft or misdelivery. 

I contacted my credit card company ( Chase ) to open a dispute on XX/XX/XXXX, I submitted the purchasing invoices, the tracking numbers associated with the order, proof of delivery, and a police report filed with the local authorities and was declined my chargeback on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kingston Data & Credit International Inc.
State: NC

Complaint narrative:
I believe the account is invalid. KINGSTON DATA AND CREDIT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.KINGSTON XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
This is what reflects on my XXXX XXXX  account along with my XXXX account as of XX/XX/XXXX. Sunrise credit services acct. XXXX. It reflects that this acct. is currently Open, and was opened on XX/XX/XXXX and reported on XX/XX/XXXX. It states that this account has a past due balance of {$5900.00}. And account type is XXXX  Collections. Ive tried to locate this company thru XXXX  and there is no matches.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
i just send a validation letter to the bank about the account the report only to transunion and the bank respond me, they no have my account no more the assigned the balance to a some collector or laws firm idk.. like i see that ilegal..

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 2024-05-19 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: FL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX  # XXXX, XXXX  # XXXX, AND XXXX  # XXXX XXXX  # XXXX HAS VIOLATED MY RIGHTS. 
I looked at my XXXX credit report on XX/XX/2024 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 conerning the invdividual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i ( 5 ) they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed

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 2024-05-19 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: CA

Complaint narrative:
XXXX XXXX is reporting negative information on my credit profile. I've asked them to show the opening contract to prove I opened this account which I did not. They have failed to do so. Instead, they send invoices. Invoices only prove this card someone opened made charges it doesn't show I opened this account or else then yes it would prove I personally made these charges otherwise it's a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX is reporting negative information on my credit profile. I've asked them to show the opening contract to prove I opened this account which I did not. They have failed to do so. Instead, they send invoices. Invoices only prove this card someone opened made charges it doesn't show I opened this account or else then yes it would prove I personally made these charges otherwise it's a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
An account on my XXXX report pass the 7 years statue of limitations and still on my 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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
An account on my equifax report pass the 7 years statue of limitations and still on my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
I am formally writing this complaint because I noticed during my quarterly review of my accounts listed in my consumer reports, an account with COMENITY BANK has been charged off with the 3 national consumer reporting agencies ( XXXX, XXXX, and XXXX ) since XX/XX/year> which is more than 5  years. That statute of limitations to collect debt on this account in the state of Arkansas per Arkansas Code Annotated ( ACA ) 16-56-111 is 5 years and 3 years for medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my TRANSUNION credit report on XX/XX/2024 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuracy.

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 2024-05-19 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: IL

Complaint narrative:
Credit Karma has reported improper information on my credit report without my written consent. & is violating 15 U.S Code 1681e, section 623 ( a ) ( 6 ). These are FTC violations by 1681c-1. and U.S.C violations. 12 CFR Part 1022- Fair Credit Reporting ( regulations V ). 15 U.S.C 1681 section 602 right to privacy violations and 6042 section 2, by XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. this is all Fraud also if ALL ACCOUNTS ARE PRE-PAID, under Title 18 section 8. Title 31 section 3123 and Title 31 section 3124 Exemption from taxation These obligations of the United States

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 2024-05-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I purchased two Vanilla ( branded ) Visa Gift Cards from XXXX on XX/XX/year> at XXXX as XXXX XXXX XXXX XXXX. I added {$200.00} to one card, and {$300.00} to the other card. The CVS is located at XXXX XXXX XXXX, XXXX, California XXXX. I learned today from the gift recipient, that on XX/XX/year>, the card with the {$200.00} value had an unauthorized charge for {$37.00} at " XXXX # XXXX '' at XXXX. After learning this, I checked the value of the gift card for {$300.00}, which the recipient has not used themself. The card with the {$300.00} value, had two unauthorized charges on XX/XX/year> for " XXXX XXXX XXXX XXXX XXXX # XXXX '' ; XXXX at XXXX for {$49.00}, and a second at XXXX for {$240.00}. 

The gift recipient of the {$200.00} card submitted a fraud dispute to Vanilla Gift Cards, and I have now submitted a fraud dispute to Vanilla for the second gift card. Neither of the cards showed any sign of tampering when I picked them off the display at XXXX, but someone has clearly had access to the card information prior to my purchase, and quickly fraudulently stole the value from both cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX is reporting negative information on my credit profile. I've asked them to show the opening contract to prove I opened this account which I did not. They have failed to do so. Instead, they send invoices. Invoices only prove this card someone opened made charges it doesn't show I opened this account or else then yes it would prove I personally made these charges otherwise it's a fraudulent account. THE ATTACHED DOCUMENT IS WHAT THEY RESPONDED WITH ( NOT WHAT I REQUESTED ) NOT A CONTRACT I SIGNED WITH LVNV OR ANY OTHER COMPANY THEY DO BUSINESS WITH.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: TX

Complaint narrative:
I have not received any updated credit reports.

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 2024-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
Someone in Connecticut utilized my information to open a cell phone account. The account went into delinquency and was sent to collections under my name. I spoke with XXXX about the issue, they verified I was not the person who opened the account and expunged the issue. I had XXXX debt collector try to collect this debt and used XXXX as an intermediary to address the issue. Trying to speak to the collection agency was not fruitful and had to open a dispute, which was successful. I know have another collection agency trying to collect on the same debt and they have sent that same debt back to collections. How is XXXX to close out an issue that wasn't mine and has been successfully resolved with the original company if collection agencies can continue to try and collect on something that isn't there and effecting my credit? I am guilty until proven innocent. I have opened another dispute to deal with this new collection agency, how many more times am I to deal with an issue that no longer exists at its point of origin?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have reviewed my CONSUMER reports and i noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XXXX, XX/XX/2021 ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! please see screenshot attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have reviewed my CONSUMER reports and i noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XXXX, XX/XX/2021 ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! please see screenshot attached

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 2024-05-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : # # # # # # XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : it also states a consumer reporting can not furnish an account without my written instruction 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi Portfolio Recovery / XXXX XXXX  I'm not liable for this XXXX XXXX  original company, and i have never had any contractual obligations with this collection company XXXX. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
XX/XX/year> at XXXX XXXX  I got text message from my online banking account CHIME saying theres was some transactions that were flagged and it ask me if it was me and I text back saying no because CHIME is only online banking so I figured it was them they texted back saying they were going to call me which they did right after with the same phone number as CHIME banking has. The person knew the whole amount of my account so they said it was a pending transaction and I had to denied I move my money to savings and the person said no move it back and she said it was refund authorized so I did and I took her not to take my money out which she did and she hang up on me and when I tried calling CHIME they had no record of no transactions or nobody from CHIME called. So they disputed the charge they said they were going to give me a temporary credit until they solved the case but ever since that happened they keep denying my dispute I called them everyday to check status. I HAVE SCREENSHOTS OF THE TEXTS, CALLS, POLICE REPORT WHICH I FILED THE VERY NEXT DAY AND EVEN A VIDEO WHEN I WAS TALKING TO THE SCAMMER AND STILL THEY KEEP DENYING MY DISPUTE. ITS XXXX DOLLARS. CAN SOMEBODY HELP ME PLEASE!!!

Company response to consumer: Closed with explanation