vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 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: KY

Complaint narrative:
Account Name : XXXX XXXX XXXX  Account Number : XXXX This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 
As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 
I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: GA

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request to Block and Delete Fraudulent Account Due to Identity Theft Under 15 USC 1681c-2 ( a ) Dear Sir/Madam, I am writing to bring a serious issue to your attention concerning my consumer credit report. I recently obtained a copy of my credit report and discovered an unauthorized account listed under the name " XXXX XXXX '' with Account Number ending in XXXX, Reported Date Opened as XX/XX/2023, and a Reported Balance of {$340.00}. I have no knowledge of this account, and I did not authorize anyone to open it in my name. 
I have attached a copy of the Identity Theft Report to provide proof of the unauthorized activity. It is your legal obligation to immediately block this fraudulent information from my credit report, given that I have provided the required documentation, and to notify the furnisher of this information about the block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: FL

Complaint narrative:
On XX/XX/23 my card had been fraudulently used without my permission. Someone has used both my personal card and business card for the same multiple transactions leading up to {$10000.00} in fraud claims. Merchant name : XXXX XXXX XXXX XXXX XXXX I have never done business with this merchant before. However, JP Morgan Chase says they have throughly investigated my claims but provided no documentation of contacting the merchant or anyone in this matter. Going forward, after contacting Chase 's global fraud department ( Disrespectful customer service ) Chase says : My dispute claim has been closed, as their excuse was " We already investigated this claim. '' You see how misleading this is? How can they have investigated a claim but not contact the merchant or provide any sort of documentation? If anything, Chase is the real fraud. As a consumer, I shouldn't have to pay for something that I did not use/purchase. In my personal opinion, I think Chase does not want to credit me back for this amount since this is a large claim regardless of this being fraud. I understand that this is a business and they personally do not like to be liable for anything, but in this case this is just wrong. I would appreciate if the CFPB can investigate further into this matter as I believe JP Morgan Chase is held accountable for this incompetent/fraudulent behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: FL

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed 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 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

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 2023-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Waypoint Resource Group, LLC
State: SC

Complaint narrative:
I pulled my consumer credit report and notice that this debt collector is reporting inaccurate information on my report. Never have I ever done any business with Waypoint Resource Group or gave them permission to contact me concerning this alleged 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 explanation
Consumer complaint received 2023-11-01 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XXXX  my card had been fraudulently used without my permission. Someone has used both my personal card and business card for the same multiple transactions leading up to {$10000.00} in fraud claims. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have never done business with this merchant before. However, American Express says they have credited me back and throughly investigated my claims but provided no credits/documentation of contacting the merchant or anyone in this matter. They told me on the phone that they have came to a conclusion and my case has been closed. Going forward, after contacting American Express 's global fraud department ( Horrible customer service ) American Express says : My dispute claim has been closed, as their excuse was " We already investigated this claim. '' You see how misleading this is? How can they have investigated a claim but not contact the merchant or provide any sort of documentation or provide further details about this case? If anything, American Express is the real fraud. As a consumer, I shouldn't have to pay for something that I did not use/purchase. In my personal opinion, I think American Express does not want to credit me back for this amount since this is a large claim regardless of this being fraud. I understand that this is a business and they personally do not like to be liable for anything, but in this case this is just wrong. I would appreciate if the CFPB can investigate further into this matter as I believe American Express is held accountable for this incompetent behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy Federal Credit Union ( NFCU ) online auto loan. I was on their website and used their interface to calculate different rates for a potential auto loan on XXXX XX/XX/2023. I deliberately did not submit a request for loan approval. ( This is recognized by NFCU ). 

12 days later I received an email from NFCU explaining that I have been approved for a {$27000.00} auto loan that I never submitted. 

I immediately called to NFCU to address the situation and was told the loan would be canceled, but have not received any follow up email confirmation. 

I was forced to go to NFCU in person and get written confirmation this loan was indeed canceled. 

As a result, my credit score was pulled without my consent and I am concerned that my credit score will be affected by NFCU 's lack of control over loan approvers.

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AVANTE
State: SC

Complaint narrative:
On XX/XX/XXXX, my credit score went down by XXXX points. My research found that two different companies were reporting brand-new collection/charge-off accounts to the bureaus around the dates of XX/XX/XXXX, to XX/XX/XXXX. The companies are XXXX XXXX XXXX and AVANTE USA. They both claim the debt originates from the same medical entity but all other information from there does not match. XXXX XXXX XXXX reported a debt of {$980.00}, with an opening date of XX/XX/XXXX. AVANTE USA reported a debt of {$860.00}, with an opening date of XX/XX/XXXX. When I attempted to verify this information directly through the medical entity, they were unable to match my information to anything in their system. 

On XX/XX/XXXX, I was granted financial assistance for my medical bills. Any medical debt that I owed was settled or was incorporated into a payment plan, to which I have been paying per my schedule. This in and of itself proves the debt from AVANTE USA is false, as they are alleging the account became delinquent after I was granted assistance. 

I have not received any form of written communication from AVANTE USA or XXXX XXXX XXXX informing me of this alleged debt and the details. Likewise, I was not given any notification that anything was going to be reported to my credit as collections or charge off. I can not help but feel that being granted financial assistance is being used as a leverage point against me. This is causing me extreme stress and upset as my credit score has gone down so severely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
Anonymous person called me at XXXX on XX/XX/XXXX claiming to be a collection service for Check into Cash claiming I owe {$850.00} for a debt that went into collection in XXXX. I have never received a loan from Check into Cash. I also called the corporate office for Check into Cash to verify that I owed them money and they didn't find an open loan associated with my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo Bank NA sent me a application for arbitration I filled it out and set it in. 
They have failed to contact me and I need them to do that. The CPI charges and repossision of my Truck was In violation of the Cobb law in my state MN. They have been most unfair in settling with me and I am about ready to head to legal aid and have them deal with this.

One last chance

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX is reporting an alleged late payment from 2019 to third parties, and this information is inaccurate. I have requested that this information be removed on several occasions via phone and letters. If XXXX XXXX believes that this information is accurate. I'm requesting to be provided with proof in accordance with UCC 9-210 " Request For Accounting ''. Account statements will not suffice.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. These accounts have no monthly historical data. I know that under to 15 U.S. Code 1681i Compliance protocol, these must be removed immediately.

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Inaccurate mailing address and home telephone number are on my credit report. 

Please correct my home telephone number on my report to reflect the new number : XXXX Please remove the following address from my credit report : 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 2023-11-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
As the Accommodation party to the application/instrument i am owed consideration for my accommodation. There was none because I was denied. Therefore this constitutes as unauthorized use of my social security credit card and discrimination. Synchrony has the ability to sell my application to a 3rd party and reap income so you cant legally deny my credit.

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 2023-11-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I recently filled out an application for a Wells Fargo bank account and was prompted I needed to go into a branch and that they were unable to open my account at the moment. 

I received a notification about a week later on my credit report that a bank account was opened by Wells Fargo under my SSN. 

These violations constitutes as unauthorized use as well as discrimination.

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 2023-11-01 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: NC

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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:
In accordance with the Fair Credit Repo # rting act child support Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: PA

Complaint narrative:
I purchased a XXXX rental car thru Chase Sapphire credit card for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX for signed agreement of {$540.00}. There was a war that initiated on XX/XX/XXXX, and we were mandated to leave. I returned the car XXXX  days early and was overcharged at {$460.00} for XXXX  days + pending charges. That leaves a dispute of {$240.00} + pending charges. I had no choice but to return the car to XXXX in good condition, and yet Chase will not dispute these overcharges. I am requesting they do not allow XXXX to continue to charge me and that they negotiate a refund for {$240.00}. I have all signed agreements but Chase is forcing me under duress that I be held responsible for a signed return agreement when I was under the XXXX to evacuate immediately ; there was no way I could have disputed charges and it is not reasonable to think during an act of XXXX  that I would argue with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to inform you that I have recently received the results of the investigation into the inaccuracies on my credit report, conducted by your agency. Despite my previous disputes and the legal obligation under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws to ensure accurate and timely reporting, your agency has failed to acknowledge the inaccuracies present in my credit report. 

Your refusal to correct these inaccuracies has resulted in significant damage to my financial reputation, causing me substantial emotional distress and financial harm. I want to make it explicitly clear that I am not willing to tolerate these injustices any longer. 

I am left with no choice but to pursue legal action against your agency for the damages caused to my reputation. This letter serves as formal notice of my intent to sue under the provisions of the FCRA ( 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) ), and any other applicable federal laws. I believe your agencys actions are not only in violation of the FCRA but also constitute a willful disregard for my rights as a consumer. 

I demand that your agency rectify the inaccuracies on my credit report immediately and provide me with written confirmation of the corrections made. Additionally, I expect your agency to compensate me for the damages incurred due to your inaccurate reporting, including but not limited to, loss of credit opportunities, emotional distress, and legal fees associated with this matter. 

I am giving your agency a final opportunity to rectify this situation without litigation. I expect a response within 15 days from the date of this letter, confirming the correction of the inaccuracies and outlining the steps taken to prevent such errors in the future. Failure to respond within the specified timeframe will leave me with no alternative but to pursue legal action without further notice. 

Please consider this matter seriously, as the consequences of your agencys actions have had a severe impact on my life. I look forward to a swift resolution to this matter.

Company response to consumer: Closed with non-monetary relief