vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-03 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing with respect to an unauthorized fraudulent charge on my Chase Sapphire credit card ending in XXXX ( formerly account ending in XXXX ). 

On or about XX/XX/2023, I was traveling to XXXX, XXXX and unbeknownst to me a taxi driver made an unauthorized charge on this account in the sum of {$5100.00}. Both myself and my traveling partner XXXX XXXX XXXX discovered that we were charged the same amount. Both our credit cards cards were scanned illegally by a taxi driver while we had them out of our wallets so the driver could see if they would work to pay a {$60.00} cab fare. None of our credit cards would work so I went to an ATM and withdraw enough XXXX XXXX  to pay the taxi driver in cash. Shortly after the taxi cab driver left, we both received notifications on our phones. I received a message from XXXX XXXX that there was a charge on it by XXXX XXXX XXXX for {$5100.00}. I contacted XXXX XXXX and they immediately reversed this fraudulent charge. I then checked my Chase Sapphire card and the very same amount of {$5100.00} by the same company had been placed on my Chase credit card ending in XXXX. I contacted Chase and was told that this would be resolved immediately. 

On XX/XX/2023 I received a letter from Chase stating they reversed this credit and that the transaction is valid. In addition to me being charged this fraudulent charge by XXXX XXXX XXXX in the amount of {$5100.00}, XXXX XXXX also had this exact same charge on his Chase Sapphire credit card. As a result, this fraudulent charge was made XXXX times on XXXX different cards, XXXX of which are Chase Sapphire credit cards. It is my understanding that Chase has reversed XXXX XXXX fraudulent charge, but they have not reversed the fraudulent charge on my Chase Sapphire credit card. I never authorized this transaction, nor was it authorized by anyone who was an authorized user of this account. Although I still had the credit card in my possession, the credit card number was fraudulently absconded by the taxi driver in XXXX. On XX/XX/2023 I received a letter from Chase asking me to complete a Dispute Report Form. This Dispute Report Form was completed and sent to Chase on XX/XX/2023. Then on XX/XX/2023 I received a letter from Chase stating that " the transactions you disputed are valid. '' My late wife and I were Chase private client members and after my wife passed away, I have continued to maintain my elite member status with Chase. In the meantime, I have paid the minimum monthly payments on this credit card. 


I am hereby asking for your assistance in getting Chase to reverse this fraudulent charge to my credit card immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: Receivables Management Partners, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RMP Acct XXXX XXXX XXXX XXXX XXXX I had an Emergency Room visit with XXXX XXXX XXXX XXXX for an injury. Being a medically retired XXXX XXXX, I have now and did then have both XXXX and XXXX. However, the hospital did, and later admitted to, only billing XXXX, the supplemental insurance company, when they should have first billed XXXX. This error resulted in XXXX denial of coverage, the creation of a debt, and hiring of the above named collections agency. When finally made aware of the issue, in XXXX, I was assured that the issue had been resolved by the healthcare provider, and that no debt is, not ever was never due. XXXX has assured me numerous times that I have never owed them anything, that my insurance covered the visit when eventually properly billed, and have apologized for the error. I have attempted to reach the collections agency, RMP Services, on numerous occasions, with no response, in an effort that have the collections accounts ( there are two originating from the same visit ) removed from my credit reports. The account number associated with the two bills is listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my right. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-08-03 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: WA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: CITIBANK, N.A.
State: NY

Complaint narrative:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report notation of the following late payments ( XXXX ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not { Department Store National Bank MACYS and Account number XXXX } I also respectfully request to be provided specific proof that theses alleged late payments were in fact late. I request to see all statements and payments transaction records from the you as the creditor that would proof that my payment was not submitted on time. It is my understanding that I must verify these items with the reporting creditor ( Department Store National Bank MACYS ) for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection laws. 

In addition in accordance to the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Furthermore as per the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Where is my right to privacy, when your reporting to the credit bureaus about alleged late payments? 

Over and above that, by means of the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681a ( 2 ) ( B ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
On XX/XX/XXXX I reached out to COLUMBIA DEBT RECOVERY and validation was requested for the collection account reported to my credit report in the amount of XXXX XXXX The collection has been reported as a past due balance. I contacted Columbia Debt Recovery to provide me with any business contracts we may have together. Moving forward now XX/XX/XXXX I reviewed my credit report again and the account continues to reflect on my credit report and I have not received any correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore I have reported this account as fraudulent. I do not know this company. I have never done business with this company. In accordance with the fair credit reporting act : COLUMBIA DEBT RECOVERY, has violated my rights. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: ME

Complaint narrative:
Subject : Urgent Assistance Required : Equifax Reporting Inaccuracies and Dispute Process Obstruction Dear Consumer Protection Bureau, I hope this message finds you well. I am writing to seek urgent assistance regarding a troubling situation I am facing with Equifax, which has severe implications for my financial well-being and consumer rights. I have been actively engaged in an ongoing dispute process with Equifax to rectify inaccuracies on my credit report. Despite providing substantiated and precise information, I am currently unable to access my account to continue the dispute process. This obstruction severely hampers my ability to address the reported inaccuracies, casting doubt on the fairness and transparency of the process. Moreover, I have discovered a significant and alarming disparity between the terms outlined in a signed contract and the information being reported by Equifax. The contractual agreement explicitly states a monthly payment of {$450.00}, while Equifax 's records inexplicably reflect an inflated amount of {$490.00}. This glaring discrepancy is having a detrimental impact on my credit standing and financial reputation. In addition, I find it deeply troubling that the creditor appears to have the authority to impose unjustified late payment charges during an ongoing litigation and pending lawsuit. This practice not only contradicts ethical lending standards but also undermines the integrity of the dispute resolution mechanism. I implore your immediate intervention to address these critical issues and safeguard my consumer rights. Your expertise in upholding fair practices and ensuring accurate reporting is indispensable in achieving a timely and equitable resolution. Please feel free to reach out to me at [ ( XXXX ) XXXX XXXX ] to discuss this matter further. Thank you for your prompt attention and support during this urgent situation ps. i've already sent a certified letter into disputes and XXXX digital through automated processes that's {$2000.00} per dispute XXXX until the inaccuracies are fixed litigation processes are not stopped until court has made a determination on the ongoing litigation against public auto finance. 
Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cohen & Cohen Law, LLC
State: NY

Complaint narrative:
XXXX XXXX ( XXXX XXXX of New York ) sent me a Wage Garnisment Notice On an old debt. I would like for him to stop threatening me about this matter. He threatened to garnish my wages in 20 days from the day I received this wage garnisment notice. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: Experian Information Solutions 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 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 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD XXXX SENT, XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX and DEBIT CARD PURCHASE, XXXX, XXXX  XXXX XXXX XXXX XXXX * C 2022 I was scammed by XXXX XXXX who offered a credit repair service. First she was double paid because my XXXX said a XXXX didnt go through but instead it had a 24 hr hold. So I paid her through XXXX XXXX. Then when then I saw she was double paid I asked for one of the XXXX back and instead of sending {$450.00} back I was blocked on everything and she just took my bank I told my back they refused to give me my money back I thought thats why we banks with them they should issue both {$450.00} back or at least one because she didnt want to return the extra payment so didnt even provide the initial service. Can u please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: WA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Reported XXXX XXXX as Fraudulent, account as of XX/XX/23. Dispute was submitted and resolved with the results : the account has been removed from all three bureaus. XXXX could not verify a correct social security number nor an accuate phone number stating someone called them from a number trying to verify my information. XXXX XXXX XXXX now has bought a Fraudulent debt and trying to seek payment. I have filed a identity theft report with the FTC as well as this complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I reaffirmed an auto loan with Wells Fargo XXXX XXXX after filling XXXX  XXXX in XX/XX/XXXX. I continued making all of the loan payments on time every month. However, Wells Fargo still removed my auto loan from my credit report and said they would report the loan again to the bureaus once it was paid off. 

I paid off the loan a year ago in XX/XX/XXXX and submitted a request to have the tradeline added back. Wells Fargo sent me a letter which states that they " asked '' the bureaus to add the tradeline back. However, that doesn't seem to be true. I've followed up several times with Wells Fargo and the three main credit bureaus. Wells Fargo tells me they reported the loan but all three main credit bureaus tell me they haven't received any communication from WF Dealer Services on my behalf. 

In XX/XX/XXXX I decided to check my XXXX report and found an old WF Dealer Service record which was missing data from XX/XX/XXXX through XX/XX/XXXX. So I submitted a dispute through XXXX on XX/XX/XXXX to have the missing months updated. Then the record disappeared entirely. I called XXXX and spoke with an agent who said Wells Fargo 's response to the dispute was to delete the record entirely. 

I'm baffled at why Wells Fargo would tell me they've tried to add the tradeline back and then also delete the only record remaining. 

I've been dealing with this issue for 11 months and I'm getting no where. I'm desperately trying to improve my credit score and I really need this loan to be reported on my credit history. 

XXXX = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX Experian = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX XXXX = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX XXXX = Record was deleted by Wells Fargo on 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 non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Fig Tech Inc.
State: TX

Complaint narrative:
On XX/XX/2023, after noticing several inaccuracies on my credit report, I contacted Fig Loans ( the data furnisher ) in writing via USPS certified mail stating that my credit report contained numerous inaccuracies and requested all supporting documentation for the accounts listed on my credit report in accordance with the Fair Credit Reporting Act ( See Exhibit A : Original Dispute Letter to Fig Loans on XX/XX/2023 ). On XX/XX/2023, after over 90 days of no response as required by law, I sent a second request for debt validation and dispute letter exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section XXXX that states consumers are entitled to all information related to tradelines listed on their credit reports and the source documentation of all information including original credit applications and contracts. ( See Exhibit B : Second Dispute Letter to Fig Loans on XX/XX/2023 ). I sent a third and final letter on XX/XX/2023 ( See Exhibit C : Demand Letter to Fig Loans XX/XX/2023 ). As of today, Monday XX/XX/2023, Fig Loans has failed to comply with my requests as required by law in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NE

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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: TX

Complaint narrative:
I can not Believe all XXXX credit reporting agencies have offshore base in XXXX. Pretty much all American people credit information is in hands of world country. Wow... Great Job CFPB and FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I can not Believe all XXXX credit reporting agencies have offshore base in XXXX. Pretty much all American people credit information is in hands of world country. Wow... Great Job CFPB and 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 2023-08-03 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: TX

Complaint narrative:
I can not Believe all 3 credit reporting agencies have offshore base in XXXX. Pretty much all American people credit information is in hands of world country. Wow... Great Job CFPB and 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