vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I recently checked my credit report and noticed an account I don't recognize. XXXX XXXX Account # : XXXX has TWO different balances pertaining to this one account #. I reached out to XXXX XXXX asking for proof of this debt 's original application or contract bearing my signature and they have yet been able to provide me with proof of debt. Experian has violated my consumer rights by furnishing this account. 

Under 15 U.S.C. 1681i ( 7 ) method of verification this account is in violation and was reported without valid evidence.

Under 15 U. S. Code 1681 e ( b ) and 15 U. S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate.

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 2022-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I used a service called XXXX through my banking institution Capital One. I sent money to my business partner who I know. The amount was {$2500.00}. The money was supposed to be delivered within 3-5 business days. As of today, XX/XX/XXXX, it has not been delivered. I filed a claim with Capital One but it was closed and denied 2 business days later. I called Capital One for more thorough investigation but they would not help. They sent me to XXXX. I contacted XXXX but they dont provide any support if I didnt use them directly. I used XXXX as a service with my bank. I have a confirmation code of sending the money which is XXXX. Ironically I sent the same money to the same person 6 days earlier and that was delivered. There is a known XXXX fraud when people send money to people they dont know. But I do know the person I sent the money to. The money is missing. {$2500.00} This is a new complaint as my previous one ( XXXX ) was closed. Capital One response said the money was deposited to the recipient 's checking account. It was not. This time I attach copies of statements for that period. There is a desposit of {$2500.00} but it was a different payment on a different date which went through no problem. As you can see, {$2500.00} for payment sent on XX/XX/XXXX was never received. 

I need a refund now. I am using this way of solving the issue for the last time and I will seek legal actions if no resolution is offered. This is unacceptable. Maybe XXXX lost the money but I used Capital One to send it and it was not delivered. Sort it out with XXXX bank. I am not a XXXX customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
Approximately early XXXX, saw that my frozen credit had received a collection notice against it, instantly hurting my credit score. I had previously frozen my credit as I had observed several attempts to open accounts under my name in the XXXX timeframe. 

This account however, I had no awareness of, is not mine and is purely a result of identity theft. 

I attempted to file a dispute with XXXX but they require me to file a dispute with the FTC which redirects me to you. 

Below is the information reported by XXXX : Original creditor XXXX XXXX Account info Account name CONVERGENT OUTSOURCING Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$680.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$680.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$680.00} Highest balance {$0.00} Terms 1 Months On record until XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Securus J Holdings, LLC
State: CA

Complaint narrative:
I wasnt sure how to enter this prepaid Stamps from XXXX. 

They said the prison system stopped using them and that they emailed a notification that we had XXXX days to request a refund. 

However, I told them I never received such an email and asked them to forward that to me. They refused and said that if I wasnt active they wouldnt have sent me one. 

I told them I was active until it stopped working in XXXX. I thought it was an app issue. 

They kept my {$18.00}. Who knows how many others monies they kept. I would like to make a formal complaint and help in retrieving my money back. 

I did XXXX the company to see if this happened to other people and found info on a lawsuit against them. Would that lawsuit include me? Please help. 

The people working there were extremely rude and hung up on me and said they would not be refunding me. I never received mail or an email regarding this nor will they provide proof of it either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX I discovered that my checking account was usually low of funds. After investigation, I discovered that someone had opened up a XXXX XXXX count that was tied to my bank account and moved most of my money out of my checking and savings accounts. I went back in time and review all charges on my account and found that someone was moving small sums to overseas accounts starting back on XX/XX/XXXX. At no point did Chase raise any red flags, or warn me about these strange transactions that did not align with my past transactions ( despite claiming 24/7 Fraud Monitoring or Zero Liability Protection ). I called Chase to dispute these transactions, but after their investigations, they told me there is nothing they could do as Chase is only liable for up to 60 days from the first incident. The issue is a majority of the money was moved during this last month. Now my account is standing at a loss of over 80 % of where it should be and I have no path to recover the stolen money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Exeter Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To XXXX XXXX : Im writing to you because I noticed that my most recent credit report contains a late payment reported on XX/XX/XXXX for my Auto Loan account. I want you to know that I understand, and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I had lost my job due to being XXXX XXXX XXXX resulting in my husband having to take a leave of absence from his own job to take care of our XXXX children while I was XXXX  in the XXXX XXXX XXXX XXXX  weeks. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for a mortgage, and it has come to my attention that the missed payment on my credit reports could hurt my ability to qualify. 
In my XXXX, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment on XX/XX/XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 
I exchange, I am willing to sign up for auto pay so that there is less of a chance of ever being late again! 
Thank you for your consideration. Have a blessed day! 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3200.00}, and XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I keep getting repeated phone calls to collect a debt for someone that does not reside here. Thus has been on going for a Long time and is really annoying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
So I sent a letter off on XXXX my tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, to remove personal information that I do not want on my credit report According to the Fair credit reporting act 12 USC 1681. I have a right to privacy, also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These clear violations of my my federally protected consumer Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
So I sent a letter off on XXXX my tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, to remove personal information that I do not want on my credit report According to the Fair credit reporting act 12 USC 1681. I have a right to privacy, also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These clear violations of my my federally protected consumer Rights.

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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my ANOTHER endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX 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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$870.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} ; XXXX XX/XX/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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: FL

Complaint narrative:
Greetings, Mine must be an unusual complaint of clerical human error, yet evidently, I need your assistance and authority to command a solution. 
I habitually check Discover Card 's XXXX score when paying my bill on their mobile app. In XXXX, I saw a XXXX pt drop in score. The issue was an inexplicable change in " Reported Credit History '' - from 17 years in XXXX, to the XXXX report, stating a mere 3 year history. ( screenshots attached ) Discover states the info came from XXXX XXXX, but my credit report from XXXX shows my XXXXXXXX XXXX account was opened in XXXX. ( Screenshot attached ). Discover was made aware in XXXX & in XXXX, during many calls. On XX/XX/XXXX, XXXX XXXX ( supervisor ) was still awaiting word from superiors. 
To check, I recently signed in to the XXXX app, which also showed a shortened credit history, even though the credit report XXXX mailed to me also showed the XXXX XXXX. opened in XXXX. XXXX gave an Escalation # XXXX on XX/XX/XXXX. 
Discover & partners reflect XXXX XXXX calculated @ XXXX. My XXXX XXXX & their XXXX app, both reflecting a XXXX yr history, show a score of XXXX Excellent. Quite a discrepancy! 
Neither Discover, XXXX, or XXXX claims responsibility, nor the ability to correct their records on this odd occurrence. 
I have attached photographic screenshot evidence to prove my standing in these unresolved formal disputes. 
... 
I cant help but suppose the actions of XXXX or other reporting agencies may use this ruse to promote their marketing attempt to push their ( paid ) subscriptions to their " XXXX XXXX '' programs. 
Meanwhile, time is of the essence, as I need to arrange financing for the Reverse Mortgage of my deceased father. 
Also, I recently applied for XXXX XXXX  's XXXX XXXX XXXX, and was approved at an a very high interest rate. XXXX reportedly use XXXX for credit checks. 
Resolution : I plea to have the accurate Length of Credit History corrected on my file @ Discover Card ( et al. ), XXXX XXXX, My XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and especially the XXXX XXXX, including their mobile app.

Company response to consumer: Closed with explanation