vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am submitting this complaint regarding fraudulent business debt incurred on my Chase business accounts, including a Chase business bank account and two Chase Ink Business credit cards, without my authorization. The debt totals approximately {$36000.00} and was incurred by XXXX XXXX, who misused my accounts through coercion and fraudulent activities. 

Summary of Events : Fraudulent Activity : XXXX XXXX, a former business associate, exploited my Chase business accounts to incur unauthorized transactions and debt. 
I never approved these transactions, and XXXX misrepresented his intentions when accessing these accounts. 
Evidence of Fraud : I have filed a police report documenting XXXX fraudulent actions and have cooperated with authorities. 
The Federal Trade Commission ( FTC ) is actively prosecuting XXXX for fraud. 
I provided a deposition detailing XXXX coercion and unauthorized use of my accounts. 
Chases terms explicitly state that account usage must be authorized by the account holder, which was violated in this case. 
Impact on Me : This fraudulent activity has negatively affected my financial standing and personal credit. 
I have made significant efforts to resolve this matter, but Chase continues to hold me liable for the debt despite overwhelming evidence of fraud.

Requested Resolution : I request that Chase : Fully investigate my claim of fraud. 
Remove any liability for the {$36000.00} debt incurred without my authorization. 
Cease reporting this debt as delinquent to credit bureaus until the matter is resolved. 
Additionally, I seek CFPB intervention to ensure Chase adheres to fair and lawful practices in handling this dispute. 
Supporting Documentation : I have attached the following : Police report against XXXX XXXX. 
FTC case information regarding XXXX prosecution. 
Deposition excerpts and related evidence proving my lack of involvement in the unauthorized transactions. 
Contact Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX Chase Accounts Involved : Chase ink ending in XXXX Chase Ink Business Credit Card ending XXXX XXXX Chase Ink Business Credit Card XXXX XXXX XXXX I appreciate the CFPBs assistance in resolving this matter. As a victim of fraud, I am seeking a fair resolution to avoid being unjustly burdened with this debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: CT

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and as a result, an unauthorized account has appeared on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent account. 
Fraudulent Account to Be Deleted : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$7200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: CT

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and as a result, an unauthorized account has appeared on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent account. 
Fraudulent Account to Be Deleted : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$7200.00}

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 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
I am writing due to the negative marks you've made on my credit file. I would be willing to accept this debt if it were mine and upon validation and proof of claim but its not mine and there's no way for you to validate it. I'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am the indeed party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay it. I am requesting that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation here are a list of required documents. 
-complete payment history, the requirement of which has to be established by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX ind. App XXXX XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much items was, were. when the goods received, etc. ) for the entire amount you say I owe obtained directly from the original creditor. 
- date of last activity- my full and complete and correct social Security number that may  help to identify me as the correct person you are trying to collect from. 
-agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
- The obligation between you and I that allows you to collect on the alleged debt and any transaction between your company that binds me to an agreement to pay your company any money you claim I owe. 
- Proof of photo identification driver 's license or any other gov issued id ) that was presented to you at the time of incurring this debt. 
- letter of sale or assignment from the orgiginal creditor to your company. XXXX XXXX, XXXX XXXX sure you know under the FDCPA section XXXX [ b ], you are. not allowed to pursue collection activity until this debt is validated, you should be made aware that in XXXX v. XXXX corporation, XXXX XXXX XXXX ( XXXX. XXXX XXXX XXXX ) the court ruled that reporting a collection account is indeed considered collection activity.You should also note this is not a request for partial validation but rather, its a request for EVERYTHING listed here in order to constitute full and sufficient validation of the debt. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward for an resolution of this matter. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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 confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-11-19 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: NY

Complaint narrative:
I bought from a reputable seller on XXXX on XX/XX/year>2024 for the amount of {$540.00}. I was using the phone for 3 months with no issues and then one day I get the error " sim 1 not allowed '' on my phone which means it was reported as stolen from the original owner/carrier. I talked to the seller on XXXX and since it was so far outside the return window there was nothing they could do about this and recommend I file a dispute through my credit card company ( Chase ). I talked to XXXX about this too before I filed it and they also agreed that's my last resort. One month later chase finally gets back to me, they ask me to call them because they need more information, on the phone call they rejected my dispute because the phone was working fine when I first received it and because I bought from a third party site. The seller acknowledged that I should win the dispute because it was nothing that I did wrong on my end, and the seller isn't the original owner, they got this device from a big third party source that has these devices. They told me this " This phone was purchased from an XXXX certified supplier who actually can not sell lost/stolen phones to companies like ours. This company handles thetrade-ins for both XXXX and several USnetworks including XXXX. '' I've also attached proof from both XXXX support, XXXX support, and from the seller on XXXX. XXXX support was also useless which makes sense, this is an issue on the carrier side, not hardware/software. If I was asked to just return the phone and get a full refund I would have gladly done that to begin with but it wasn't possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
As of XX/XX/year> I received a hard inquiry alert from Barclays Bank of Delaware and never applied for any credit from them. XX/XX/XXXX I called and spoke with a representative who said my information was never in their database and she checked with their security department who also confirmed that my information was never in the system and no application has ever been submitted or processed for credit. Then XXXX told me to file a claim with the CFPB so you all can request the inquiry 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 2024-11-19 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: IL

Complaint narrative:
XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX/XXXX/XXXX  XXXX XXXX - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XX/XX/XXXX {$1700.00} Late Payment : XXXX XXXX XXXX XX/XX/XXXX {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have fraudulent accounts on my credit report, which I reported to RESURGENT/LVNV FUNDING, yet RESURGENT/LVNV FUNDING is not removing these fraudulent accounts. RESURGENT/LVNV FUNDING has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA XXXX ( 15 U.S.C. XXXX ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt. The followings are the fraudulent accounts : RESURGENT/LVNV FUNDING /acc. XXXX, XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
In XXXX 2023, my information was used fraudulently to open credit card accounts with XXXX XXXX and XXXX XXXX XXXX, several thousand dollars worth of purchases were made on these credit cards. I received notice of payment due on these accounts through XXXX XXXX, and contacted them to report these accounts as Fraud. I contacted the credit bureaus to dispute as well, the credit card accounts were now showing on my credit reports and affecting my credit score. After many months I received mailed from XXXX XXXX informing me that they'd finished their fraud investigation, and the accounts were closed as fraudulent. The letter states that I am not responsible for the accounts, including remaining balances. XXXX requested credit reporting agencies remove the accounts, and they have been removed. 

On XX/XX/XXXX, I received a letter from XXXX XXXX informing me that as of XX/XX/XXXX the accounts had been closed and charged off. XXXX has sold the account to Jefferson Capital Systems , LLC. I received a letter from XXXX as well, informing me of the debt they were not attempting to collect and have been receiving phone calls from XXXX as well. 

I AM NOT REPOSINBLE FOR THIS DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: Mercedes Benz Financial Services
State: NY

Complaint narrative:
I have a fraudulent account on my credit report, which I reported to XXXX XXXX XXXX, yet XXXX XXXX XXXX is not removing this fraudulent account. XXXX XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA XXXX ( 15 U.S.C. XXXX ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt. The following is the fraudulent account : XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code XXXX ( 2 ) and 15 U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting EXPERIAN has violated my rights. 
15 U.S.C XXXX section XXXX A. States I have the right to privacy. 
15 U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
On top of that, The Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section XXXX, Subsection A-D is also being violated because after multiple disputes the unverified inaccurate items are still illegally reporting to 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 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. XXXX ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-11-19 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. XXXX ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-11-19 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I have already pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you, I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove altogether. Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditors. 
Complete payment history on this account, to prove that the amount you wish to collect is correct I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and as a result, an unauthorized account has appeared on my credit report. Pursuant to XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ), I request the immediate blocking and deletion of the following fraudulent account. 
Fraudulent Account to Be Deleted : 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 non-monetary relief
Consumer complaint received 2024-11-19 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: NJ

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with explanation