vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-03 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: 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. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid 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: MI

Complaint narrative:
On XX/XX/XXXX there was a fraudulent charge made using my Chase credit card in the amount of {$470.00} from a XXXX  XXXX in XXXX XXXX TX. I noticed the charge a day or so later. I called Chase to advise of this. They closed out my current card number and advised would send out a new card number and also put this amount in dispute. 

When I looked at my credit card statement for XXXX, I saw that the XXXX XXXX charge had been posted to my account again. I called Chase on XX/XX/XXXX and spoke to someone in their fraud department. She said wasn't sure why this happened and would reopen investigation. Didn't hear anything so called back on XX/XX/XXXX ( was told investigation would take 7-10 business days ), then called back XX/XX/XXXX ( still no resolution ). 

Finally received a call from Chase fraud/recovery department ( yesterday XXXX ). She said it was not fraud and that charge would stand. She suggested I call XXXX XXXX in XXXX XXXX myself. So I called and spoke to a store manager. She said that was totally wrong. It's up to the credit card company to open a case and deal with the store and/or XXXX XXXX headquarters. She did suggest I make a police report, so I will try to do that next. 

I already had my credit frozen with all 3 credit bureaus, but now have added a fraud alert. Don't know what else to do. I am shocked and disappointed that Chase is being so unhelpful. Help! 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank Home Depot is reporting a late for XX/XX/20 and XX/XX/20 and I ask that they be removed. Due to Covid and the unforeseen events surrounding what would happen to my workplace I have been severely financially impacted. I have been a loyal customer and ask that they please remove these late notations from my credit file. I have done my best to try and stay current and be a good customer, but I have necessities that I had to pay. I ask that Citibank makes a goodwill adjustment for these lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: FL

Complaint narrative:
Good morning, I have been trying to get these accounts off my credit report. I have never done business with these company. I contacted them to explain that these accounts was not authorized by me. I also contact the tranunion and XXXX  and was told that i need a report from the FTC.

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 2021-04-03 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: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
there i a hard credit inquiry on XX/XX/21 from Citizen Bank that i did not approve or even apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase Bank is reporting a multiple late notations for 2020 and I ask that they be removed. Due to Covid 19 and the unforeseen events I was severely financially impacted. My employer lost significant amounts of work and I was lucky enough to keep my job with hours being cut. I have done my best to remain current but really have had a hard time. I ask that Chase Bank please makes some goodwill adjustments for my 2020 lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc.
State: OH

Complaint narrative:
On XX/XX/2021, received a letter from Unifin , INC, that stated that XXXX also known as XXXX, would settle a debt for {$5800.00} for the amount of {$2600.00}. 

OnXX/XX/2021 I gave them my credit card for that amount, which they immediately, pulled out of my account. They said I would have an email receipt within 24 to 48 hours. They gave me a confirmation number XXXX. 
I never received this receipt. 

On XX/XX/2021 I called again, was told the same thing and was told if I didn't received by the XXXX of XXXX to call back. 

I called back on the XXXX of XXXX and was told again it would take 24 to 48 hours for them to send the receipt. 

In the meantime XXXX is refusing to remove the account from the credit bureaus ' because they say they have no record of the account being paid. 

Since they are refusing to send the email, I have to assume that they took my money under false pretenses, which is theft. 




s

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX does not want to take responsibility for fraud on my account after i placed a fraud alert for money hacked and stolen and they did not do anything about it. XXXX even sent me a letter stating if my account was ever compromised they would tranfer my funds to another account suspiciously months prior to the theft as if they already knew it would happen and still never did anything at all and left my account like that. I did not recieve anything in the mail from them. They are liars and owe me money. Their employees are theives.

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 2021-04-03 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: NY

Complaint narrative:
Pulled up a copy of my credit report and seen there were some accounts that are not mine and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The following accounts in dispute are listed below : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX I XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: IL

Complaint narrative:
Fraudulent account on my consumer file.

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 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX will not remove the Information from my report after it was agreed that they would close account and remove trade-lines off my reports.

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 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX will not remove the Information from my report after it was agreed that they would close account and remove trade-lines off my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX will not remove the Information from my report after it was agreed that they would close account and remove trade-lines off my reports.

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 2021-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I dont know about this debt! 
Collection Agency harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I bought XXXX XXXX tickets for my elderly parents in XXXX of XXXX but the Airline cancelled the flight because of Covid without reimbursement. I filled a dispute with American Express and everything got resolved. But then in end of XX/XX/2020 I say a back charge of {$1600.00} on my statement, I reached out to American Express and they told me that it was from the dispute back in XXXX and somehow they did there audit and find out. 
I think it is unfair to me that when the dispute is once settled and I have moved on and then I get this surprise back charge from my credit company because they made a mistake somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: IL

Complaint narrative:
Fraudulent account that's on my consumer file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

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 2021-04-03 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: Source Receivables Management LLC
State: IL

Complaint narrative:
I have been subscribing to various credit monitoring services for quite some time now due to fraudulent activity. Today, I received a notification from XXXX XXXX that a new collections account was placed on my credit with XXXX. Though it is not currently showing up on the other two ( 2 ) bureaus, it is unknown whether this creditor intends to report to the other bureaus as well. I was never contacted by XXXX XXXX  prior to this account being placed on my credit. Had they of contacted me, I would have provided them with the FTC Identity Theft report that was previously filed including this account. Previously, the only information I had was that there was a credit inquiry from XXXX. This is the first I have been made aware that an actual account had been established. This creditor has violated the FCRA by placing this account on my credit report without first giving me the opportunity to dispute the debt as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, XXXX charges were made to my credit card for a total of XXXX during the first week in XXXX, I realized this was happening and immediately contacted Bank of America XXXX BOA issued me temporary credit on the account and said they would investigate. All fraudulent charges were made in Connecticut and Rhode Island. I reside in New Jersey. On XX/XX/XXXX, I received 2 letters from BOA. One letter stated that two of the charges totaling XXXX were being credited since the merchants agreed to reverse the charges. The next letter stated that the remainder of the claims were being denied because it was determined that the card was used for the purchases bases on one or all of the following reasons : the chip was read, my PIN was entered, and/or I signed for the merchandise or service, which indicates I or someone I allowed to use my card was present. At this time, my account was re-charged for the purchases. When I made the claim, I told BOA that both my wife and I had our cards in our possession and we did not give our cards to anyone else to use. I also told them that I did not even have a PIN for the card and have never used a PIN for any purchases. Also, that if a signature was used, it would clearly show that it does not match mine. In addition, I stated that this card has always been used only for groceries and gas purchases, which could be confirmed by looking at the purchase history ( none of the fraudulent charges were for either one of these categories ). After I received the letter, I went to my local BOA branch where I have banked for over 25 years and am a platinum reward member. I have several accounts at the bank and their Merrill Lynch division totaling over XXXX. The rep called the credit card decision and asked to reopen the claim. I then went to the XXXX XXXX police dept and filed a report regarding this theft. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX, that stated the bank was unable to approve the fraud claims totaling XXXX because it was determined that while I did not personally make the charges, they confirmed they were made by an authorized user on the account or someone who has permission to use the card. I have no idea how they determined that I gave someone permission to use my card, since this is not the case.

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 monetary relief
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
So my debt was transferred from XXXX to pallino asset management. At that time back in XXXX I worked out a deal with them to pay the debt. {$890.00} was owed and I paid some thing like XXXX. The debt was cleared and everything was fine. Almost 2 years later in XX/XX/XXXX I received a letter from Paramount recovery systems saying I owe {$890.00}, the same amount that XXXX XXXX XXXX said I owed. When I contacted Paramount recovery systems they said I needed proof from XXXX XXXX XXXX that the debt was paid if I were to have it removed from XXXX XXXX because they said XXXX transferred it over to them. No matter what time of day what day of week or anything I called, I wait on hold and then it goes to voicemail. No one answers ever but it also says they are open. No one calls you back, nothing. If you XXXX them, every review on there also says they are always closed. How am I supposed to get record of my payment if you cant get anyone on the phone ever? Its absolutely absurd that the CFPB would allow a company like this be in business if consumers issues are not addressed. This has caused damage to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: NJ

Complaint narrative:
Multiple false derogatory marks on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I submitted a payment on my account but the payment was returned two days later and I was not aware of that. Nobody ever called me or told me. I didn't know about it until I logged in my account. I then submitted another payment of {$5500.00} to get it current but the late payments were never removed. I noticed that under the CARES Act I am not to be reported as being late.

Company response to consumer: Closed with explanation