vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-26 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: TX

Complaint narrative:
I sent the following letter to Experian. My credit score was XXXX, after their investigation my credit score was dropped to XXXX. There have been no changes to my report. 

XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Date of Birth : XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The following personal information is incorrect Name : XXXX XXXX XXXX 5. The following personal information is incorrect Date of Birth : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this ma

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 2020-09-26 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XXXX of 2020, contacted LVNV Funding about a collection they have posted to my account in the amount of {$870.00}. Upon further research this account was transfered/ sold and I am no longer responsible for this account Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or signiture for this accused debt at all. A bill without a a signture does not validate the debt and body can send a bill and say that it is mines. Accroding to the FCRA ( Fair Credit Reporting Act ) LVNV FUNDING has violated my right as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: TX

Complaint narrative:
I sent the following letter to XXXX. My credit score was XXXX, after their investigation my credit score was dropped to XXXX. There have been no changes to my report. 

XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX   XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Date of XXXX : XXXX 3. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The following personal information is incorrect Name : XXXX XXXX XXXX 5. The following personal information is incorrect Date of Birth : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this ma

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My name is XXXX XXXX, I am a victim of wire fraud through chase business and seeking any type of assistance and help with my claim as chase has denied my case and this wire fraud caused a lost of {$20000.00} USD from my business account and depend on this money to continue operating my XXXX as I've already been struggling through this pandemic and that money was from a sba loan that I've just received. I do not know what else to do at this point as I've tried a whole month of back and forth with chase and even escalated this claim to their executive office and was only told that it was denied. 
I wish to again stated clearly that I did not authorize this wire transfer transaction but it seem that chase is not doing anything to help me with this claim and is only trying to avoid it. I am literally begging everyone at chase to please give me back my money because my XXXX will collapse and I can not take this lost, especially during this pandemic. I've even wrote a email to the CEO of Chase bank Mr. XXXX XXXX in hope and prays that he will shine some lights and overturn this decision. I've been very patience as their claim department had me waiting since XXXX2020. The claim with chase was filed within 2hours of finding out I was hacked into my business account. If someone can please help me with this claim, my number is XXXX or email is XXXX Thank you kindly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The following inquiries that's reporting on my credit files are fraudulent inquiries and I'm demanding that they are removed. I do not have any knowledge of these unauthorized dark web fraudulent made inquiries. 

1. XXXX ( XXXX ) 2. XXXX XXXX ( XXXX ) 3. XXXX XXXX  XXXX XXXX ( XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX XXXX XXXX XXXX XXXX ) 7. XXXX 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 2020-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I sent my relative {$80000.00} check. Someone stole the mail and erased the check to {$8000.00} and changed the name to a different person. The check was cashed at Chase. You can clearly see the check was altered. At first, Chase gave me a run around and said they couldn't find the claim. Now they said they couldn't fully reimburse me for the full amount of {$8000.00}. 

So if you sent a check to someone, let 's say {$50.00} for a XXXX  gift, and someone altered it to XXXX. You will be on the hook for the full {$5000.00}. Let that sink in. So anyone will be affected if Chase is not held accountable for their action. They need to train employees better and be held accountable. My friendof a friend encountered a similar issue. It seems like there is going on at Chase. I think you should do a story to protect yourself and all the consumers because you will never know what will happen to you in the future. Consumers should be protected in cases like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: NJ

Complaint narrative:
A collection agencies under the name XXXX XXXX XXXX appears on my Credit Report with an a amount of {$59.00}. I do not recall to had any contract or agreement with this Company or to own them any thing ... I called this company and gave them all my personal Information as SSN, Names, Adress and Phone adress and the representative couldn't find any thing in their system.

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 2020-09-26 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for the Chase XXXX  XXXX  card. 
EARN {$200.00} Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account openings. 

I have excellent credit and they said that 7 years ago I had a collection that I settled back XX/XX/XXXX they said that they will never take that off the credit bureau probably do but they keep it forever and if that's the case I needed to know so I would never apply for Chase 's credit cards because I received a hard inquiry on my credit score and I don't want to keep getting hard inquiries with Chase if they do not take away the 7 years when I was young it was actually back in XXXX but I started to do better in my life so I considered settling for 400 and 50 something dollars. I spoke to the lender and the consumer Department and they told me they didn't know if they had a 7 years forgiveness

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: MO

Complaint narrative:
The following inquiries that's reporting on my credit files are fraudulent inquiries and I'm demanding that they are removed. I do not have any knowledge of these unauthorized dark web fraudulent made inquiries. 

1. XXXX XXXX XXXX ) 2. XXXX XXXX ( XXXX ) 3. XXXX XXXX XXXX XXXX ( XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX XXXX XXXX XXXX XXXX ) 7. XXXX XXXX  ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The following inquiries that's reporting on my credit files are fraudulent inquiries and I'm demanding that they are removed. I do not have any knowledge of these unauthorized dark web fraudulent made inquiries. 

1. XXXX ( XXXX ) 2. XXXX XXXX ( XXXX ) 3. XXXX XXXX XXXX XXXX ( XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX XXXX XXXX XXXX XXXX ) 7. XXXX 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 non-monetary relief
Consumer complaint received 2020-09-26 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: MO

Complaint narrative:
I'm requesting a 1099c for the following accounts inwhich should not even be reporting on my credit file. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. 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 2020-09-26 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: MO

Complaint narrative:
I'm requesting a 1099c for the following accounts inwhich should not even be reporting on my credit file.

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX   3. XXXX XXXX XXXX XXXX 4. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: MO

Complaint narrative:
I'm requesting a 1099c for the following accounts inwhich should not even be reporting on my credit file.

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. 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 non-monetary relief
Consumer complaint received 2020-09-26 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: VA

Complaint narrative:
The following accounts reporting on my credit file are unauthorized and fraudulent. Im demanding that these unauthorized accounts be removed and blocked. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX {$8600.00} 3. XXXX XXXX 4. XXXX {$1100.00} 4. XXXX XXXX XXXX {$1100.00} 5. XXXX XXXX XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: TX

Complaint narrative:
I applied for the XXXX XXXX XXXX XXXX. 
EARN {$200.00} Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account openings. 

I have excellent credit and they said that 7 years ago I had a collection that I settled back XX/XX/XXXX they said that they will never take that off the credit bureau probably do but they keep it forever and if that's the case I needed to know so I would never apply for XXXX 's credit cards because I received a hard inquiry on my credit score and I don't want to keep getting hard inquiries with XXXX if they do not take away the 7 years when I was young it was actually back in XXXX but I started to do better in my life so I considered settling for XXXX and XXXX  something dollars. I spoke to the lender and the consumer Department and they told me they didn't know if they had a 7 years forgiveness

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: VA

Complaint narrative:
The following accounts reporting on my credit file are unauthorized and fraudulent. Im demanding that these unauthorized accounts be removed and blocked. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX {$8600.00} 3. XXXX XXXX 4. XXXX {$1100.00} 4. XXXX XXXX XXXX {$1100.00} 5. XXXX XXXX XXXX {$500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I disputed the validity of the debt, and requested the following to provided to me to validate the debt : To whom it may concern, I am writing in response to your letter ( copy enclosed ) because I do not believe I owe what you say I owe. This is the first Ive heard from you, or any company on this matter, therefore in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) :  Validating Debts, I respectfully request that you provide me with the following information : 1. Proof that you actually own this debt 2. Statement from the original creditor providing the amount and complete payment history 3. Copy of the SIGNED loan agreement and/or credit card application/contract 4. Copy of a cancelled check from me to the original creditor 5. Proof that you are licensed to collect debts in the state of Georgia Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 
Also be advised that I am keeping very accurate records of all correspondence from you and your company. I have disputed this debt ; therefore, until validated, you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. 

They have not provided the requested information and are continuing to report negatively on my credit report which has caused my credit scores to decrease and causing me to get a higher rate on an auto loan and being denied on other credit requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Dates : XXXX, 2020 Amounts : {$2500.00} I was trying to purchase a GRE test tutor service. They said I need to make a deposit. But after the deposit, the person told me that instead of giving me the tutoring I agreed on, they will test it for me. This is not what we agreed on and it is illegal to do that, which will jeopardize my Visa status. So I want to get a refund for my deposit. But then they said it is non-refundable, and disappear. 

I contacted customer service. The first customer service recommended me to report fraud. The second customer service told me it is not fraud and I should change it to dispute with scam and today I just got the email -- they denied my dispute. Either case, I should not be responsible. 

I will call the police if this is not solved properly. If necessary I will file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: C/C Financial
State: TX

Complaint narrative:
Signed a contract in which I received merchandise in XXXX, provided checking account and routing number for my payment to be withdrawn from my account in XXXX. The company reported that I missed a payment to XXXX. How can I miss a payment that I provided information to debit my account!? Ive entered a dispute, but Im livid about the unorganized practice of this company. The company sent me a text that my first payment would be extracted in XXXX!!! They have a 90 day payoff term, so by their negligence that would mean I only have a few weeks to payoff my account. They breached the contract and the conditions of it. The company advised me that I received my furniture in XXXX! That information was false, I received my jewelry in XXXX. Ive seen multiple negative reviews about this company and feel like their ethics should be exposed! Please help! I do have an active dispute in process!! They also impose an erroneous {$50.00} fee for early payoff, but the amount on my contract give the amount of merchandise and taxes which equal {$480.00}, according to them payoff is {$530.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: CITIBANK, N.A.
State: HI

Complaint narrative:
On XX/XX/XXXX, i used my Citi Credit Card to purchase 4 round trip tickets to XXXX, along with upgrades and inflight meals. 
In XX/XX/XXXX, XXXX XXXX cancelled our flights due to the COVID pandemic. I tried reaching out to XXXX XXXX, but they have a terrible customer service system that I couldnt get any help with a refund. 
According to US Federal Air Regulations, if a flight is canceled by the airlines, they are required by law to refund your money. Not a credit but a refund. 
XXXX XXXX has refused to refund my money, I have filed multiple claims with their terrible chat system where I have never been able to speak to a live human even once. There is an extreme lack if communication, and they never once contacted me. 
So, I turned to Citi Cards for help with my refund. They first filed a dispute and gave me a temporary refund. Then later they decided in favor of XXXX XXXX, saying that XXXX XXXX would give me a credit for travel at a later date. 
My daughter had a flute performance in XXXX in XX/XX/XXXX. We have no desire for credit as we will no longer have the funds ( due to COVID job loss ) or time to travel and use the credit offered by XXXX XXXX. I would like my payment to be refunded in full. I did not cancel the flights, XXXX XXXX cancelled the flights ( both departure and return ).

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