vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have contacted all Three Major Credit Bureaus XXXX, XXXX  and Equifax to dispute anincorrect hard inquiry on my credit report. I have requested them to provide me a verified letter for the XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. 
I never authorized this company to run my credit report. I have contacted the credit bureaus by filing a dispute and requested to send me all correct information to me. I have not received any information back from anyone. This is illegal and I am forced to file a suit due to unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: TN

Complaint narrative:
I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. If you continue with your non-compliance is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: NY

Complaint narrative:
Iam a federally protected consumer. I sent letters excising my rights. Pursuant to 15 usc 1681b any reporting agency ( Equifax, XXXX  and XXXX  ) may furnish a consumer report in accordance to the written instruction of the consumer. I have never been given the option to opt out nor gave any written consent. NO CONSENT IS IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX a check from my account was made for {$250.00} made payable to XXXX XXXX XXXXXXXX XXXX, Transaction # XXXX, Check # XXXX, and the arrival date of the check was XX/XX/XXXX. Today is XX/XX/XXXX and I received a statement from XXXX XXXX XXXX that they did not receive my {$250.00} payment. I immediately looked at my Chase account and found that this {$250.00} check was mistakenly sent to XXXX XXXX XXXX XXXX. Today I went to my Chase Bank in XXXX, TX to get a copy of the check for proof of receipt and was told that too much time had gone by to get a copy of the check to XXXX  so they could refund the {$250.00} to me. The AVP at my bank called " the back office '' and was told they couldn't help her find a copy of the check because too much time had passed since XX/XX/XXXX. My AVP told me that she would call the complaint office so they could call me to discuss the issue. In the interim I need to get my {$250.00} refunded back to me so I can pay XXXX XXXX XXXX. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: LA

Complaint narrative:
i am a protected consumer. i know my rights. i certify that this request to block was made not in error, my request to block information was not based on a material misrepresentation, and i did not knowingly obtain or should have known that i obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block. under 15 u.s. code 1681-2 you must block all fraudulent accounts. since i attached my form of id, and social security card, this complaint lists someone that your company should recognize as their customer or their customers authorized representative.

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 2021-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is additional information and complaint regarding jpmorgan chase original complaint # XXXX. 
This is with regards to the {$50000.00} wire transfer my mother was scammed and coerced into doing on XX/XX/XXXX. My mother was convinced by an XXXX representative imposter that she needed to wire transfer {$50000.00} from her checking account to XXXX XXXX to investigate fradulent charges to her XXXX account ( which was all a hoax ). She went to her local jp morgan chase branch on XX/XX/XXXX and requested this transfer which was processed at approx XXXX XXXX PST. When I, XXXX XXXX, her daughter found out about this the next morning at approx XXXX XXXX PST, I called Chase and spoke with the fraud department immediately and reported it as fraud and to STOP the transfer immediately. I had a 55 minute phone call ( 90 % of which I was on hold ) and told they would not continue with the case unless I continued to wait on hold while they researched it. I had to start work at that time ( approx XXXX XXXX ) and stated they could call me back with questions, but the representative refused to do so. I reiterated that I gave them all the information I had and to report it as fraud and stop the transfer immediately. My mother, XXXX XXXX, then went to the local branch in person at XXXX XXXX on XX/XX/XXXX and spoke with XXXX XXXX and advised the transfer was fraudulent and to stop it immediately as well. 
After speaking with this representative and the branch manager, XXXX XXXX, myself in person on monday XX/XX/XXXX, I find that they did not take adequate steps to verify the authenticity of this transfer. No one called me to question this extraordinary amount, recipient, or transfer destination despite me being joint checking account holder. Also, appallingly, after my mother went in on XX/XX/XXXX to report the fraud and attempt to stop the transfer, they reissued her another chase credit card on that same day- despite her reporting that she was just scammed- which is completely unethical and irresponsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There was an auto payment setup by a XXXX agent which did not process therefore causing a payment to be missed. They reported to the credit agency that the payment was late even though it was a technical error on made by them in setting up the auto-pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: LA

Complaint narrative:
I am extremely upset. I may have been the victim of identity theft. Someone has applied for credit in my name. There are accounts on my credit report for which I do not recognize. Pursuant FCRA 605B I am demanding they are removed. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/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 2021-06-23 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently sent multiple letters to XXXX and Experian regarding the inaccuracy on my report showing a missed payment on XX/XX/2021 with XXXX. The payment was made is showing on my XXXX consumer report as paid but furnished on Experian and XXXX as late. This a violation of the FCRA and is affecting my financial reputation.

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 2021-06-23 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: TN

Complaint narrative:
I am writing in regards to having these items deleted from my report. I am a victim of identity theft I did not make these charges mentioned on the list. I have reported the theft of my identity to the Federal Trade Commission. Please delete these items from my credit report as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: REDEMPTION FINANCIAL SERVICES LLC dba NATIONAL AUTO ACCEPTANCE
State: LA

Complaint narrative:
In XXXX a vehicle was financed by Redemption auto with offices operating in XXXX and XXXX Louisiana. Terms of the interest to be paid were very high, but in desperate need of a vehicle and was lead to believe that a few on time payments would decrease the monthly payment amount. But the vehicle needed several repairs leading to the car being repossed and surrendered in XXXX of XXXX. Then, In XXXX the Company hired attorneys to collect the unpaid balance on the account which at the time was about {$9000.00}. Prior to the suit being filed there was no notification in any form that legal action was taking place until I was served documents stating that I was being held accountable to pay the balance by means of wage garnishments of 25 % per paycheck. The garnishments lead to tensions of the job with the company pressing me to clear the matter. So in XXXX of XXXX I began to file for bankruptcy after paying around {$3500.00} towards the balance in XXXX. After being discharged from the bankruptcy I heard no more from the attorneys XXXX XXXX XXXX. I switched jobs in XXXX of XXXX and tried to reach out to redemption finanacial to settle the matter but no replies or answering of the phone. In XXXX of XXXX I received letter from Attorney XXXX XXXX located in XXXX XXXX La about suing and seeking wage garnishment to pay the balance of the loan from XXXX in excess of {$20000.00} being owed due to daily interest being applied. I called and reached out to the attorney and offered a lump sum of {$3000.00} and asked to interest to be relived and credit from previous payments to be considered and settle the debt. He refused and hung up in my face without no resolution. Again I reached out and explained the financial situation I was in would not allow me to pay over {$20000.00} due to owing federal back taxes and that I have two garnishments already with child support and state tax levy on my wages and any other attempts would put my job at jeopardy with the new company. Again Mr XXXX refused and have not answered and Futher calls. In closing the Orginal loan was misleading And predatory as well as the attempts to collect on the balance and the nature of pursuing wage garnishments jeopardizing my livelihood and support of my family. I would like to file complaints on both XXXX XXXX and XXXX XXXX law firm in efforts to alert others of the practices which is very unfair and have the businesses update and evaluate debt collection practices

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
I have been harassed and abused by the Conserve debt collection company. They have attempted to collect a debt that I do not validate as I am the original creditor under 15 USC 1692g. Conserve illegally obtained my personal information without my written consent, because I never did business with CONSERVE, and they have failed to provide me a contract between Conserve and I stating I gave them the right to defer any payments to me or obtain my information. no consent is identity theft and CONSERVE is criminally and civilly liable under 18 USC 1028A. I've attached all the exhibits backing my claims. I expect the CFPB to force CONSERVE to remedy this situation with proper consideration that does not break federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: UT

Complaint narrative:
Account was closed in XX/XX/2019 and then new account was opened by XXXX. 
I paid debt in full prior to this. I repeatedly told the representative to not close account because I didnt not have issue with my current contract. The representative insisted it was in good standing and paid in full. By opening a new account without my consent this inherited a debt that I was fraudulently charged for. Ive asked numerous times for phone transcripts and either I get hung up on or denied information. I am requesting phone transcripts and detailed information concerning this account legally how can they refuse but yet still demand money?!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: LA

Complaint narrative:
I am extremely upset. I may have been the victim of identity theft. Someone has applied for credit in my name. There are accounts on my credit report for which I do not recognize. Pursuant FCRA 605B I am demanding they are removed. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: MA

Complaint narrative:
XXXX XXXX XX/XX/2021 I am shocked that I called Transunion on XX/XX/2021 and was assured that all fraudulent information and incorrect names attached to my report would be removed within 24 hours.

I checked my credit report ( attached ) via the Transunion site XX/XX/2021 and found that these erroneous items are still on my report. 
1. My correct name and ONLY WAY I WOULD EVER SPELL IT is XXXX XXXX 2. My correct address is XXXX XXXX XXXX, XXXX XXXX, MA XXXX and I HAVE NEVER LIVED at any of the addresses listed below and dont know anyone who does or ever did. 
3. None of the phone numbers listed below are associated with me in any way and never have been and I have never ever seen them. 
Remove these incorrect names : XXXX XXXX XXXX XXXX XXXX Remove these fraudulent addresses : XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Remove these fraudulent phone numbers : Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Remove all these fraudulent addresses and phone numbers as I am not associated with any of them and never have been. 
Remove the incorrect names as I would never apply using for anything using those spellings and my handwriting is very legible. 
Thank you, 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 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Cancelled my subscription for credit monitoring with equifax in XX/XX/2021 on their website when the changed the product to the new complete family plan. Received an email on XXXX XX/XX/2021 stating a cancel request was put in. Since being of XXXX I have received 9 different emails saying my payment failed to process and to call or go online. I called them on XXXX XXXX and they confirmed that my produvt was cancelled and no payment was due. Since then I have received 4 more emails stating payment was processed and to call or go online. I called again on XXXX XX/XX/2021 and the person who answered asked weird credit questions to authentic me from years ago that I was unable to answer. So I asked for the ticket to be sent up to a manager. Since then I have received 2 more payment emails. This is harassment and this company needs to stop immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: LA

Complaint narrative:
I am extremely upset. I may have been the victim of identity theft. Someone has applied for credit in my name. There are accounts on my credit report for which I do not recognize. Pursuant FCRA 605B I am demanding they are removed. 
1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/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 2021-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CASHCALL, INC.
State: CA

Complaint narrative:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been harassed and abused by the XXXX debt collection company. They have attempted to collect a debt that I do not validate as I am the original creditor under 15 USC 1692g. XXXX illegally obtained my personal information without my written consent, because I never did business with XXXX, and they have failed to provide me a contract between XXXX  and I stating I gave them the right to defer any payments to me or obtain my information. no consent is identity theft and XXXX  is criminally and civilly liable under 18 USC 1028A. I've attached all the exhibits backing my claims. I expect the CFPB to force XXXX  to remedy this situation with proper consideration that does not break federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
on XX/XX/2021 i sent out a dispute to the credit bureau. as of today there is no word on that dispute. i was affected by the XXXX  data breach and would like these errors removed 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