vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I looked at my credit report an they have me down XXXX XXXX which I was told I don't have any credit for them to report. When I checked the other 2 reporting agencis they both have credit information on me. On XX/XX/XXXX I applied for a new credit card and was denied I checked XXXX again and they still have me down as a XXXX and basically I found out since my father passed in XXXX they have been reporting me as deceased and I haven't been able to get credit thinking it was my credit, but it has been that Experian has been reporting me as deceased instead of my credit since the other 2reporting agencies I have a average score of XXXX and my Experian score has always been even higher. The last four of my social is 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 2024-12-18 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: WI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: Chime Financial Inc
State: IL

Complaint narrative:
Friday XX/XX/year> Ive contacted my bank ( CHIME ) regarding the dispute for the transaction of {$450.00} XXXX XXXX on XX/XX/year> at XXXX. I have proof of screenshots with numerous videos in my photo gallery the merchant provided illegal vehicle which was UNSAFE for me to drive to operate in my XXXX XXXX XXXXXXXX XXXX XXXX  I leased the vehicle due to my personal circumstance on XX/XX/year> unfortunately XXXX rejected the documents and the vehicle was not approved in my drivers platform and the Illinois XXXX  had this vehicle ( XXXX XXXX ) license plate # XXXX XXXXXXXX contained major violations. I contacted this company the same day ( also have screenshot for the phone call ) informed them the situation, and I was told have patience immediately I dropped the vehicle off next morning XX/XX/XXXX at XXXX. I was told my security deposit will be refunded in XXXX business days but this fraudulent company charged half of my deposit for {$240.00} for the service Ive NEVER received ( included the miles from pick up and drop off in images ) stated that I kept the vehicle for 48hours in the receipt which is a complete LIE. Im super frustrated, companies like XXXX XXXX scamming customers who are weak and vulnerable due to employment reasons. Ive also put a complaint form to Federal Trade Commission prohibits unethical business practices that are deceptive, unfair, or fraudulent on XX/XX/year> also XXXX, XXXX attorney generals office. I want this matter to be resolved and get FULL {$450.00} refunded back to my account. Chime didnt resolve this issue for me still pending since XX/XX/year> Thank You! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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 notify you that I am a victim of a data breach and request the immediate blocking and deletion of certain accounts from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts are the result of unauthorized activity and should not appear on my credit report. 
The following accounts should be blocked and deleted : Accounts : XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXXXXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$25000.00} XXXX. XXXX XXXX XXXX XXXX Account XXXX : 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 2024-12-18 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/year> XXXX XXXX transactions were made using my Apple Credit Card that I didn't place or authorize. Amounts : {$120.00}, {$280.00}, and {$280.00}. I wasn't able or given the option to deny these transactions using the XXXX XXXX, so I immediately contacted an Apple Card XXXX, XXXX, from Goldman Sachs Bank via XXXX the same day ( on XX/XX/year> at XXXX ) to dispute them. XXXX told me that they would be disputed and if more information is needed they'll reach out via email. 

On XX/XX/year> I contacted them again, seeing that new XXXX transactions continued to be made using my card ; some of which I was able to decline myself. I was also able to request a new card number for additional security multiple times via the XXXX XXXX, seeing that per XXXX " request a new number if you suspect your current one has been compromised, '' while also having Advanced Fraud Protection enabled, allowing my security code to be changed periodically to keep my virtual card number safe. I was told by XXXX that these new transactions would be disputed and if more information is needed that they'll reach out via email, which they never did. 

On XX/XX/year> I contacted them a third time, the " disputes were declined because the transaction details showed the charges were authorized, '' which is untrue seeing that I never placed or authorized them. The specialist proceeded to tell me to contact the merchant ( XXXX ) " to gather evidence where these items were delivered '' and " send us evidence to support your disputes. '' For one, I'm unable to contact the merchant directly because the orders in question don't even show up on my XXXX account or order history, thus a dispute wouldn't be possible. The same day ( on XX/XX/year> at XXXX ) I reached back out to provide documentation to support my claims : screenshots of my XXXX XXXX history from XXXX that were placed by me using an entirely different card - the only card that's attached to my XXXX account ( XXXX XXXX ). The XXXX, XXXX, stated " your documents have been submitted. Please contact us back if you need help with anything else in the future. '' On XX/XX/year> I contacted them a fourth time and provided the same documentation that was provided on XX/XX/year>, because the disputes were declined again. The transactions are currently in pending review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
XXXX sold my information on a debt that i supposedly had. I did not have service for what they are saying. they then sold my supposedly debt to a 3rd party which is IC SYSTEMS. 
XXXX XXXX XXXX XXXX XXXX MINNESOTA. 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 2024-12-18 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-18 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: Aargon Agency, Inc.
State: VA

Complaint narrative:
To Whom It XXXX Concern, I am writing in response to a collection notice I received from your agency on XX/XX/year>. Please be advised that this is not a refusal to pay ; however, I am requesting validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Debt Verification Request : XXXX. Proof of Debt : Please provide a detailed account statement, including the original amount of debt, all payments made on the debt, any fees or interest added to the debt, and the current balance. XXXX. Assignment Contract : Kindly provide a copy of the original assignment contract or any other documentation that clearly indicates that your agency is legally authorized to collect this debt on behalf of the original creditor. This document must show that the debt has been assigned to you and detail the terms of the assignment. XXXX. Permissible Purpose : I am requesting verification of the permissible purpose under which you are attempting to collect this debt. Please provide documentation demonstrating your legal right to contact me regarding this matter. XXXX. Cease and Desist : Until the requested validation information has been provided to me, I am formally requesting that you cease and desist any further contact with me, including phone calls and letters, except as specifically required by law. Please be advised that failure to provide the requested validation documentation within 30 days from the receipt of this letter will result in the filing of complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). I am also prepared to pursue further legal remedies as necessary. I also request that any negative information related to this account be removed from my credit report until the debt is validated, as reporting unverifiable debt violates the Fair Credit Reporting Act ( FCRA ). I look forward to your prompt response. Please note that all future communications with me regarding this debt must be in writing and sent to the address noted above. Thank you for your immediate attention to this matter.

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 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-12-18 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-18 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-18 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:
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 2024-12-18 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: TX

Complaint narrative:
Date Of Transaction : XX/XX/year> Date of Dispute : XX/XX/year> Amount : {$100.00} For a year I've fought Chase regarding a transaction with merchant Dream Aesthetics Meds, where I was required by the merchant to pay a {$100.00} Appointment Deposit. The nature of the deposit was to ensure that the date of appointment is kept and if for any reason the appointment is missed the client forfeits their " deposit ''. On the day of schedule I attended the " free consultation '' appointment as scheduled ; however, did not want to move forward with any services that they provided at that time. When I asked the merchant when will my appointment deposit be refunded. The merchant then recanted the nature of what the deposit was intended for in order to retain my funds by stating that it was for the consultation itself, which was advertised as free. When I submitted the dispute I stated the exact reason stated above, which was that it was strictly to hold my appointment time and if I was a no show the funds would be forfeited. The merchant in return answered the dispute with a rebuttal that supported my exact claim invertedly, and Chase still stated that they would not return my funds because the merchant claim was so call valid. I contacted Chase Bank and asked how they could refuse the return of my funds when the merchant in writing with my initials sent a rebuttal with the nature of the funds being exactly as I stated in my claim. I also contacted XXXX as well. Chase advised me to seek a lawyer when in fact they clearly was negligent in the handling and interpretation of my claim!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
I was sending money to a vendor for {$450.00} I called and verified all the information. The lady was was speaking with did not speak English very well and probably had a hard time understanding me. I verified that I was sending the funds, I know the person I was sending them to and verified everything on my account. Within 5 minutes she locked my account and now I can't use XXXX or see any of my transactions unless I walked into a branch to verify who I am. I live in CO and the closest branch is in TX. I tried explaining this numerous times. My bank is Truist. I just want to be able to long in and see my transactions plus my husband sends me XXXX payments for Rent. This has caused so many problems. 

Please feel free to contact me with any questions. 

Thank you

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Im writing to express my deep frustration about the accounts on my credit report that are in pending litigation. Ive contacted your office several times to correct this issue, but Ive been met with silence or no action. Its disheartening to see my credit score impacted by accounts that arent even 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 2024-12-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
Dear FEDLOAN SERVICES : I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the validity of this claim, I request the following documentation : 1. Proof of authorization to collect under 15 U.S.C. 1692e and 1692f.

2. Legal basis for attempting to collect, including applicable statutes.

3. Proof of authorization to operate in my state.

4. Evidence of the alleged debt, including any contract or agreement bearing my signature.

5. Full account history, including charges, fees, and payments.

Under FDCPA 1692g ( b ), you must provide this validation within 30 days. Failure to do so will result in the account being considered invalid. Non-compliance with FDCPA 1692d, 1692e, and 1692f will be construed as unlawful conduct. 
Moreover, under the doctrine of estoppel by silence ( XXXX v. XXXX, XXXX. XXXX XXXX. XXXX, XXXX ), as I have not acknowledged any debt, I will presume no debt exists if no evidence is provided within 30 days. 
I demand the immediate removal of this account from my credit report if you fail to provide the requested documents. I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the state Attorney General if necessary. 
Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation