vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 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:
As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IA

Complaint narrative:
On Saturday, XX/XX/XXXX, my wallet was stolen. My wallet had several credit cards, my drivers license and my US Bank debit card. I immediately notified US Bank that day that my debit card and drivers license had been stolen. On Monday, XX/XX/XXXX, I called US Bank to remind them my cards had been stolen and they needed to put a notification on my account since my drivers license was also stolen. US Bank put a notice on my account. 

On Tuesday, XX/XX/XXXX, the people that stole my wallet went to a US Bank branch in XXXX XXXX, MN ( I live in XXXX ) and withdrew {$1300.00} from my savings account. This was after I notified US Bank twice that my wallet was stolen, to cancel my debit card and again to put a notice on my accounts. 

I called a few times over the past 6 weeks asking for an update to my case. I was told it would take up to 8 weeks for the investigation to be completed. Today, XX/XX/XXXX, I received a cashiers check in the mail for {$1300.00}. 

I had been a customer with US Bank for over 20 years. Because I couldnt trust US Bank to keep my money secure, I cancelled my accounts with them. It also took almost 6 weeks for me to get my money back, which should have never been stole in the first place if the bank had been doing their job correctly.

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 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Credence Resource Mana Address:XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Account number : Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX, XXXX Tx XXXX XXXX Dear Credence Resource Mana I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: OH

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: TX

Complaint narrative:
I DO NOT RECOGNIZE THIS ADDRESS PLEASE REMOVE 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 2024-10-07 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: MECHANICS BANK
State: MS

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly, they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/year> Hunter Warfield , Inc . 
XXXX XXXX XXXX, FL XXXX Re : Complaint # XXXX Dear Hunter Warfield , Inc., Thank you for your prompt response regarding my dispute of the debt referenced in Complaint # XXXX. I appreciate your thorough review of the account and the information provided. 

I acknowledge receipt of the enclosed documents, including the account ledger, invoices, move-out charges list, and the lease agreement. However, I would like to take this opportunity to request further clarification on several points. Specifically, I seek detailed explanations regarding the nature of the charges listed in the account ledger, as I believe there may still be discrepancies that require addressing. 

While I appreciate that you have noted my request for a cessation of communication, I still maintain my position regarding the accuracy of the reported information to the credit bureaus. Therefore, I request that you provide a more detailed validation of the debt, including any supporting documentation that substantiates the charges. 

I trust that you will treat this matter with the seriousness it deserves and look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: CO

Complaint narrative:
I am filing this complaint regarding a fraudulent ticket purchase made through XXXX for a concert held at XXXX XXXX XXXX on XX/XX/XXXX, order number XXXX of the amount of {$130.00}. I purchased the ticket in good faith, but when I arrived at the venue, I was denied entry. Venue staff informed me that XXXX was the only authorized ticket provider, and XXXX was not authorized to sell tickets for this event. 

I first contacted XXXX about the situation but did not receive any response, even after multiple attempts. Subsequently, I filed a claim with my credit card provider, Chase, under the claim ID XXXX. However, my claim was denied because Chase told me that XXXX provided evidence that I had downloaded the ticket. 

In my defense, while I did download the ticket, it was a fraudulent and invalid ticket. Downloading the ticket does not equate to receiving the service I paid for, as the ticket was unusable, and I was denied entry. 

I contacted XXXX XXXX XXXX today, which is where the event was held, and they confirmed in writing : " XXXX is the ticketing provider for XXXX XXXX and other City of XXXX venues. We do not accept tickets scanned through XXXX and have no affiliation with this third-party ticketing website. All legitimate tickets must be scanned through the XXXX app. '' This confirms that the ticket I purchased through XXXX was fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-07 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-10-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BWW Law Group, LLC
State: MD

Complaint narrative:
Upon information and belief, my wife and I ( the " XXXX ) are victims of mail and wire fraud. Multiple foreclosure attempts have been initiated to acquire a property that we own. The Note and Deed of Trust ( " DOT ) presented to the various courts contain forged borrower 's signatures and false notarizations of the XXXX XXXX signatures. The signatures have been attested to by two forensic document examiners in sworn affidavits that the signatures are not genuine. The fraud is being conducted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' ) and their attorney, the BWW Law Group LLC ( Substitute Trustees ). The amazing thing about this whole situation is that the courts have blindly looked the other way without demanding that the foreclosing party prove that they are the real party in interest. " XXXX '' does not appear as the Lender on either the Note or DOT on either the XXXX 's original documents or even the pretender lender 's fabricated documents. MD law clearly states that " A person not identified in a note who is seeking to enforce it as the owner or holder must prove the transfer by which he acquired the note. If there are multiple prior transfers, the transferee must prove each prior transfer. Neither XXXX or BWW Law Group have provided this proof even though the XXXX have requested it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your 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 non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee XXXX percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: PA

Complaint narrative:
I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX. My Experian account was hacked since XX/XX/year>. I tried so many time with Experian Customer Service to fix the problem but no HELP. 
The hacker changed my phone, my address, my email, use my SSN to apply too many credit cards and banks. 
NOW ... my request is help me to change the phone number because everytime i tried to log in, Experian sent the verification code to fake number so I couldn't do anything. He just made request to unfreeze my account again. 
I don't UNDERSTAND what is the process of the investigation and how long to get it done. This fraud is giving me too many problems with Experian account. I would like to talk to HUMANS not the MACHINE when I need to report the IDENTITY THEFT. This is very IMPORTANT to the customer. 
My phone XXXX My email 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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: NY

Complaint narrative:
Hi I recently check my credit report and notice multiple inaccuracies. These inaccuracies includes late payments and inquires. The late payments are inaccurate and need to be updated to reflect my on time payment status. Below I will attach dates that I've paid. I am requesting you investigate the following accounts thoroughly and that they are to be brought to the most accurate dates ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All these cards have late payments that need to be removed and updated to on time status. The following inquires are fraudulent and I did not authorize. XXXX  XXXX XXXX needs to deleted also being that I never authorized a card with them. XXXX XXXX as well please do your investigation to bring my credit profile up to date.

Company response to consumer: Closed with explanation