vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-29 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: PA

Complaint narrative:
Recently I have looked at a copy of my credit report and noticed several inaccuracies on my account. This account has been detrimental to my ability to acquire credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item i am asking you to verify as accurate : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: DISCOVER BANK
State: NJ

Complaint narrative:
NO KNOWLEDGE OF ACCOUNT STATUS RECEIVED NOTHING IN THE MAIL

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: FL

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Dispite sending them the letters, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian, XXXX and XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my accounts : XXXX XXXX, XXXX  XXXX, XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ; Inquiries : XXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX XXXX Inquiry Date XX/XX/year> XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/year> XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX XXXXnquiry Date XX/XX/year>, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/year> XXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX  XXXX Inquiry Date XX/XX/year> XXXX XXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX XXXX Inquiry Date XX/XX/year> and XXXX XXXX XXXX Inquiry Date XX/XX/year>.

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 2024-02-29 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: GA

Complaint narrative:
I sent in for the company to verify the debt which the credit bureau are verifying the debt as mines with no documentation. Ive also been threatened to be sued. They also created false statements on me, repeatedly, phone calls, and harassing me causing hardship to my livelihood none of these accounts are authorized by me, but yet still reporting on my credit I have disputed this several times, and they continue to report inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: VA

Complaint narrative:
My account was being hacked and I called Credit Karma to tell them, they dismissed me. I have email proof of this person changing my phone number, using a device I do not own ( android ), I only have XXXX devices, and then withdrawing all of my money out of the account to an unknown debit card, totaling {$3200.00}. I have now contacted credit karma three times and they have literally hung the phone up on me and have not done anything to replace the funds or solve this hack. I have contacted the FTC. The company has taken no actions except to continue to send emails that the phone number was changed on the account and if it was not me, to contact them. I can not access the account because the phone number has been changed. They told me a supervisor would call me, when I asked how, since they do not have my phone number they literally had no answer. This company is a fraud and has stolen my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: VA

Complaint narrative:
Experian sharing old accounts with other Finance companies and credit reporting AGENCIES and will not fix the problem Name is not right on Credit Report XXXX XXXX XXXX not XXXX XXXX setting me up for someone to use my credit authorize using on my account and I call my company and they had to remove my credit reports needs to be clean up and no one is doing it they put o neg account but showing neg reporting old car account from XXXX still on reports I got a car in XXXX of XXXX they got a removal date in XXXX of XXXX XXXX same thing XXXX the same thing will not update or making Changes old Inquiry old not updating payments I call all my creditors they report monthly not changes address duplicate more then one time some address not right will not let me dispute it and it is now going into XXXX some of there said not changes in payment last reporting in XXXX not correct my credit report is so mess up I do not understand it I ask for all three report never receive them

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 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Comerica
State: CA

Complaint narrative:
I am writing to file a formal complaint against Comerica Bank regarding their unfair overdraft fees and delayed transaction processing, which I believe constitute deceptive and harmful practices. 

On XX/XX/24 I discovered that my Comerica account was subjected to XXXX overdraft fees, despite making a deposit to cover the negative balance promptly. This action is egregious and unjustifiable, as it penalizes responsible account holders who take proactive steps to address financial discrepancies. Moreover, waking up to find unexpected charges only added insult to injury. 

Furthermore, I experienced a significant delay in the processing of a withdrawal/debit card purchase made on Friday, which was inexplicably held until Tuesday. This delay not only inconvenienced me but also raises questions about Comerica 's transparency and commitment to providing timely and efficient banking services. 

I urge the Consumer Financial Protection Bureau to investigate these unfair practices and take appropriate action to hold Comerica accountable. Additionally, I request a thorough review of Comerica 's policies regarding overdraft fees and transaction processing to ensure that they align with consumer protection standards and promote fairness and transparency. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these concerns and protect the rights of consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
ive been trying to have my Concord Portfolio closed account removed because its been causing harm to me by being reported. the account at hand has been paid off and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
I have asked this company to one validate this debt they could not I also asked them to cease collection activities and to adhere to the federal guidelines this company not only ignored my validation request but then ignored my cease and desist are still harassing me but they are also not licensed or bonded to collect in my state I check. Please help me resolve this outside of court please have them cease reporting and follow the guidelines of the fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Bright Capital Inc
State: NJ

Complaint narrative:
Hello, I had a monthly membership ( {$6.00} ) with Bright Capital/Money in XXXX and part of XXXX, in an effort to raise my credit score. 

From what I understood in XXXX, they were a credit building company and I wanted to raise my credit score. 

Since XXXX, they withdrew monies from my checking account every day/month and apparently paid my creditors every month ( in addition to my normal payments ). 

I still do not know if they paid any of my creditors. 

Please see XXXX for more about this company - XXXX XXXX XXXX XXXX & XXXX Also, I did not have any credit with Bright and did not borrow any money from them. They used my monies to pay my creditors. I have the bank statements. 

Ultimately, I wasn't pleased with Bright, so I canceled my account with them in XX/XX/XXXX. 

Then out of the blue in XXXX XXXX or in XX/XX/XXXX, Bright hit my credit report with a 30-day late payment of {$5.00} ( XXXX dollars ), which destroyed my credit. 

I have no other late payments on my credit reports, and I have paid all of my accounts on time every month, for years. I can easily share my credit reports. 

Because of Bright 's negative reporting, I've had a very difficult time getting any new credit in the last several months. 

My credit score dropped XXXX or XXXX points in just a few days because of Bright 's erroneous reporting. 

I contacted Bright many times and no one can explain why there is a XXXX dollar late payment on my credit reports ( XXXX, XXXX ). 

And when I contacted Bright this week, they said my account was deleted. 

I need you help. This seems like a scam and Bright severely damaged my credit report for no reason. 

Thank you for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: TX

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2024-02-29 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2024-02-29 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: PA

Complaint narrative:
Recently I have looked at a copy of my credit report and noticed several inaccuracies on my account. This account has been detrimental to my ability to acquire credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item i am asking you to verify as accurate : XXXX. XXXX XXXX XXXX XXXX XXXX ( transunion ) XXXX XXXX  XXXX XXXX XXXX XXXX transunion ) XXXX XXXX  XXXX XXXX XXXX ( transunion ) 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 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/XXXX Chase bank account froze my account the reason is not making any sense someone else called my bank and said fraud and how can somebody speak on my account so they froze my account from what happened XX/XX/XXXX and today is XX/XX/XXXX if they was gone freeze why not freeze it before I get my taxes not wait till I get my taxes and freeze my account and this same problem happened every year they freeze my account for some reason they can find and I dont agree that

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXX opened up 2 accounts without my consent and they are now in the process Of being sued. I submitted the letter from law firm to XXXX as well as XXXX  and they still refuse to delete the fraudelent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I have XXXX capital one credit cards and I had fell to a hardship due to Covid 19. I setup arrangements last XXXX with capital one bank to get my accounts back on track with making my timely on time payments. I was assured that if I stuck to there payments arrangements with ea card for XXXX of on time payments that they would make sure all of my accounts become up to date with my payment credit history showing no late payments. And I have been doing that I finished my agreements to have my accounts say back in good standing. Capital one said XXXX I completed the program it will report any payment late from credit bureau to be on time never late. I called them after the cause I seen like XXXX late payments which they promised after completing the program they would report all payments late to never late on time. The representative over the phone I talked to told me she couldnt do anything and I told her that what capital one told me as part of the agreement I set up with them. And currently I still pay on time and they keep reporting my payments late.i want them to stop reporting my on time payments late and to report all ever payments I made with them on time never late as per the agreement I have with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I recently found myself entangled in what appears to be an elaborate scam, involving an alleged business loan from a company called XXXX XXXX, flagged as a fraudulent company online. 

I was deceived into sending funds to mule accounts controlled by the fraudsters, all based in XXXX XXXX, for a total of {$34000.00} USD. It is important to note that subsequent to the three transfers, which I believed were directed towards a legitimate investment platform ( later revealed as said to be a fraudulent interface ), I attempted an additional transfer amounting to {$33000.00}, since the perpetrators insisted on further funds to purportedly allow the retrieval of my investments. Notably, at this juncture, Chase bank intervened and blocked the transaction, citing association of the beneficiary bank with fraudulent activities. This occurrence serves as additional evidence pointing to a deficiency in proper Know Your Customer ( KYC ) procedures and transaction monitoring. 
Implementation of robust KYC and monitoring measures could have potentially identified and mitigated the financial risks associated with the previous transfers, as they were directed to the same bank. 

Despite my persistent efforts to contact Chase Bank in order to take action regarding these transfers, I have encountered no help or solutions. In fact, I sent a formal complaint to Chase bank in the form of a demand letter, via email and via mail, but both remained unanswered. 

I wish to highlight the gravity of this matter : the lack of action which characterized the conduct of Chase bank has negatively affected my case since no action has been taken to solve or address the issue presented here. 
Therefore, I am requesting Chase Bank to issue a refund of the sum I lost because of the following reasons : firstly their lack of compliance with XXXX in not performing or issue any alert regarding the suspect nature of the operations I was carrying out - in that the transaction pattern and the beneficiary data, together with the frequency and the amounts transferred, should have suggested that I was being the victim of a fraud. This was owed to me as a valued client. 

Secondly, their lack of responsiveness and accountability following my complaint, which could have allowed them to take action against the fraudsters. 
It is important to also acknowledge that Chase Bank is obligated to conduct ongoing monitoring of the transactions, as part of their obligations under Bank Secrecy Act ( BSA ) and the USA PATRIOT Act. This involves measures to detect potential fraud patterns. In fact, if only Chase bank performed the basic scrutiny that was owed to me as a client, for the sake of my safety, this victimization could have been prevented.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX, XXXX ), ( XXXX XXXX XXXX XXXXXXXX ), ( XXXX XXXX, XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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