vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I tried open XXXX XXXX from chase after I temporarily unfroze my credit report.

I got letter saying to submit legal documents over the phone online and in person at a Chase bank to prove identity.

After following instructions, went to a Chase branch provided my DL SS.

I still did receive the advertised product.

They jeopardized my safety and personal information that potentially be used to commit further attack by cybercriminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
XXXX XXXX XXXX located in XXXX XXXX has contacted me regarding a debt. Initially I thought the call was a scam trying to get money from me. This happened around XX/XX/year>, XXXX comes around and I get a notification from XXXX XXXX I have a collection. I reach out to XXXX for more information. I was able to gather details about the debt that occurred from a credit card I have never had, that was used at location have never been. I asked why nothing was sent to my house in the mail about this. Its because they have my address in XXXX XXXX where I have never lived. I told them this was not me and they recommend I file a police report. So I did. I called XXXX XXXX XXXX to send the police report and then have called them multiple times to get a response from the XXXX XXXX. I believe there are purposely dragging their feet to cause me more financial harm so I would give up and pay the debt. This is called extortion. The public needs to be protected by business taking advantage of victims.

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 2024-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I XXXX  money to a XXXX for work on my property. However it was the wrong XXXX I contacted him and he went to his bank which I believe is Chase bank and requested that they return the funds to me. I have Chase also. They removed the funds from his bank account and stated it would take XXXX to XXXX business days to return it to my account! I have all the documents. Chase bank never but the funds back into my account. They withdrew the funds from him and kept them, I have called XXXX  times because it is XXXX. Chase customer service just tells me they dont guarantee they return the funds. We have the same bank Chase literally stole the money from me after the gentleman returned the money to me! Chase closed my claim on the XXXX of XXXX the day the funds were withdrawn from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: CITIBANK, N.A.
State: OR

Complaint narrative:
After checking my XXXX XXXX, I found a few late payment entries on an account where I have always paid on time. Account Name XXXX XXXX Number XXXX If you can't provide evidence of these late payments, I insist that they be corrected immediately to show my payments as on time, as I have consistently met my payment responsibilities without any delays.

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 2024-12-28 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: NY

Complaint narrative:
Experian is reporting different addresses on my credit report and different names and incorrect spelling of my name

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 2024-12-28 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: TX

Complaint narrative:
Background of the Issue : On multiple occasions, I have reached out to Equifax via certified mail, phone calls, and online requests to report instances of identity theft and fraudulent activity. Each time, I have provided proper documentation in accordance with the law. Despite these attempts, Equifax has failed to take appropriate action to block or remove and delete the fraudulent accounts from my credit report. 

Violations of Federal Law : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c-2 : According to the FCRA, credit reporting agencies are required to block any information related to fraudulent accounts upon the consumer 's request, provided that the consumer has submitted the necessary documentation, such as a police report or identity theft report. The fraudulent accounts and addresses on my report fall under this category, yet Equifax has continued to report them.

2. FCRA - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : The FCRA mandates that credit reporting agencies investigate disputes within 30 days. My repeated requests for investigation and removal of fraudulent information have gone unresolved, which constitutes a clear violation of this provision. The documentation I provided clearly shows that the accounts in question were opened without my consent or knowledge.

3. FCRA - 15 U.S.C. 1681e ( b ) : The law requires that credit reporting agencies maintain accurate records. Equifax 's failure to remove the fraudulent accounts and addresses directly contravenes this requirement and has harmed my creditworthiness and financial reputation.

4. Identity Theft and Assumption Deterrence Act - 18 U.S.C. 1028 : This act defines identity theft as the use of someones personal information without authorization. I have reported the fraudulent activity as required, yet Equifax has not taken reasonable steps to protect my identity or prevent the reporting of these fraudulent accounts.

Conclusion : Equifax ongoing failure to comply with federal law, despite my repeated requests and provision of evidence, constitutes a violation of my consumer rights. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that Equifax takes immediate action to resolve these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a natural person, I am a living human being. I have the rights under 15 USC 1681. 
XXXX Experian, and XXXX govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because accounts According to 15 USC 1681 : Ihave the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Accounts. XXXX XXXX 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

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 2024-12-28 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: MI

Complaint narrative:
I am a victim of identity theft. The accounts reporting to my credit report do not belong to me. The accounts are : XXXX XXXX XXXX opened XX/XX/XXXX {$25000.00} XXXX XXXX opened XX/XX/XXXX {$3700.00} XXXX  XXXX XXXX  XXXX opened XX/XX/XXXX XXXX XXXX  XXXX opened XX/XX/XXXX {$8900.00} I have attached an FTC report ( report number XXXX ). I also have attached a FCRA 605B ( 15 U.S.C. 1681c-2 ). I am asking that Equifax, XXXX, and XXXX remove or block these accounts from reporting to my credit report within 4 days of receiving this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: MI

Complaint narrative:
I am a victim of identity theft. The accounts reporting to my credit report do not belong to me. The accounts are : XXXX XXXX XXXX opened XX/XX/XXXX {$25000.00} XXXX XXXX opened XX/XX/XXXX {$3700.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX  XXXX opened XX/XX/XXXX {$8900.00} I have attached an FTC report ( report number XXXX ). I also have attached a FCRA 605B ( 15 U.S.C. 1681c-2 ). I am asking that XXXX, XXXX, and Experian remove or block these accounts from reporting to my credit report within 4 days of receiving this complaint.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express has downgraded and reported I am in collections, on my personal credit file with XXXX, XXXX XXXX and XXXX, the accout was a XXXX  account, my personal account has and has had for several years a XXXX balance. This is illegal I am not a personal debtor to XXXX  a count

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
" My personal information was compromised starting in XXXX, and I have been a victim of ongoing identity theft since then. The fraudulent activities include : XXXX. XXXX XXXX : An account was opened in my name that I did not authorize. 


XXXX. XXXX and XXXX : Bills were created in my name for services I did not sign up for. 


XXXX. XXXX XXXX : A loan was taken out in my name without my knowledge or consent. 


XXXX. Wells Fargo : I reported fraud related to unauthorized transactions in the amounts of {$70000.00}. accounts in my name but have been unable to resolve the issue or secure lower payments for my student loan or raise my credit scores or secure a credit card as a result of this fraudulent activity. 



These incidents have spanned from XXXX  until now, significantly impacting my financial situation and credit standing. '' -- - XXXX XXXX : XXXX : Unauthorized activity began in XXXX and continues to the present. 


Actions Taken : " I reported the fraud to Wells Fargo in XXXX my business account, but no resolution has been reached. 

I am disputing these accounts and bills with the respective companies ( XXXX XXXX XXXX, XXXX, and the loan provider ). '' -- - Request for Assistance : " I need help to : XXXX. Verify and close all unauthorized accounts. 


XXXX. Remove fraudulent bills and loans from my credit history. 


XXXX. Restore my financial stability by resolving this ongoing identity theft issue. ''

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 2024-12-28 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX  XXXX Subject : Dispute of Erroneous Accounts and Request for Deletion To Whom It May Concern, I am writing to formally dispute the presence of the following accounts on my XXXX credit report, as they have been verified as inaccurate and subsequently removed from my XXXX credit report. The accounts in question are as follows : ( SEE THE ATTACHMENTS ) I have attached documentation from XXXX confirming the deletion of these accounts, as well as any supporting evidence demonstrating their inaccuracies. Despite this, these accounts remain on my XXXX credit report, which is unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

As you are undoubtedly aware, the FCRA requires credit reporting agencies to maintain accurate and up-to-date information. Retaining these accounts on my report after their proven inaccuracy undermines the integrity of your services and has caused undue harm to my creditworthiness. 

I demand that XXXX immediately investigate and remove these accounts from my credit file to ensure consistency and accuracy across all credit reporting agencies. Failure to act promptly will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursuing legal action to protect my rights. 

Please provide written confirmation of the deletion of these accounts within ( XXXX ) days of receipt of this letter, as mandated by federal law. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I previously sent in a complaint for UCB Collections. UCB has FAILED to notify me of any results of their investigation and is falsely reporting to my credit reports once again. I have not received a signature or agreement that I OWE UCB COLLECTIONS directly!! They have placed the account in closed status and that the consumer disagreed and that I OWE them {$620.00} but was never provided proof of this and why/how did this company get my personal information!?. If this is not handled IMMEDIATELY, my lawyer will be filing a lawsuit immediately for violations!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: NY

Complaint narrative:
I am writing to inform you that I am a victim of a recent data breach and request that the following accounts, which are associated with the breach, be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions entitle me to have fraudulent or unauthorized accounts removed from my credit report. 
Accounts for Blocking and Deletion : 1. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 2. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 3. XXXXXXXX XXXX  XXXX. 
o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
At the time of this loan the sales persons told me that the loan should be less or the same of my electric bill. When this company start bill me my bill double. i never expect my bill to be double. cause the solar systems should stabilize my bill. I switch to solar cause my bill always raise and never go down. The sales person ask me for a bill and do there calculation and told me my bill should be the bill i was paying. Only to my surprise my solar bill double. And am still getting my electric bill now not only my bill double got full bill from my electric company. This is the reason am here cause this is not what i expected. i expect to pay what i was paying before and no longer get bill from my electric company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Once again my debit card has been hacked by XXXX XXXX. I filed a claim with Truist and they denied it. 
I sent an email to TRUIST ( Below ) " I dont understand how this keeps happening and how Truist can not protect my account. The claim information is below- Please let me know what additional information you require. I was in XXXX XXXX CA for work this week, perhaps your fraud department can contact XXXX XXXX  to get the name and address of the restaurant and the delivery address. 
What restaurant did XXXX XXXX pick up the below orders? 
What address did XXXX XXXX  deliver to? There were three on the same day. We will need to am going to close our accounts once this is resolved. Its a pain to do ; however I cant keep losing money and battling what should be an easy fraud to identify. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status description Weve completed the investigation of your disputed transaction. Review any communications sent to the address on file for your account for more details about your claim, including any formal report of our investigations results. If you have questions, call us at XXXX. 
Claim closed XX/XX/XXXXXXXX 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 2024-12-28 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:
According to the consumer reporting agencies, my information was breached through the following credit bureaus ( Equifax, XXXX, XXXX XXXX ) I received a check from Equifax because of the breach. Enclosed is a copy the check

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: PA

Complaint narrative:
According to the consumer reporting agencies, my information was breached through the following credit bureaus ( XXXX, Experian, XXXX XXXX ) I received a check from XXXX because of the breach. Enclosed is a copy the check

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 2024-12-28 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: SC

Complaint narrative:
This account Is unauthorized and It does not belong to me. please delete this account as It Is identity theft. I have reported this to the police department and to the FTC. I now am reporting to the CFPB.

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 2024-12-28 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My information was affected but the XXXX XXXX My information was exposed, you must removed within XXXX days. Under section XXXXXXXX XXXX this information must be removed within XXXX  days. Don't try to use the XXXX  days to fix my entire credit file. My entire file was exposed to the 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