vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 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: WA

Complaint narrative:
I travelled to XXXX in XX/XX/2022 for attending my sister 's wedding, where I used my Chase credit card for doing a lot of shopping. 
During this time, I used to get email alerts for every purchase I made, which I usually take a look at later, as I didn't have the access to internet while out in the market doing shopping. 
On XX/XX/2022 I was out in the market to purchase some gold jewelry, before going to intended shop, I parked my car in the market and the mobile parking attendant asked me to pay for the parking upfront. I handed my card over to him and he swiped it on his mobile card reader machine. After that, I made the purchase at the intended shop and was on my way back home ( I couldn't check my email alerts at this time, as we were busy with the wedding preparations ). After a few days when I looked at my credit card statement, in addition to my all other regular and expected charges - it showed me a unrecognized charge of {$1600.00} from an unknown entity ( this was on the same day, but prior to when I purchased the gold jewelry on XX/XX/XXXX ). This is when I realized that I have become the victim of credit card fraud, most likely by the 'parking attendant ' who swiped my card that day just prior to my purchase on the jewelry store ( I didn't see any 'parking " related charges on my credit card in that statement period ). 
When I disputed this charge with the chase bank, they investigated my issue and denied my claim by saying that the card was in my possession when this fraud happened. I tried re-appealing my case with them and tried talking to the fraud department, but it all went in vain as the chase rep that I talked and tried to explain my case - became extremely rude and literally threatened me that if I don't pay this charge, they will spoil my credit ratings. At this point I felt extremely frustrated and helpless, as there was nothing I could do to fight my case. My track record of paying my CC dues have always been clean, I never ran into any payment issues with Chase ( and couple other banks ). At the end of it, I anyways paid for this fraudulent charge on my card and going get my account closed with Chase. 
I am posting here about this issue, as I don't have the time and energy to take a legal course of action regarding this, but I hope I can get some resolution from Chase with the help of CFPB, and I hope people can also learn from my incident and be more vigilant at their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: AL

Complaint narrative:
They are reporting inaccurate unverified information on both of my businesses and wont provide me with any details

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I recently moved back to the United Estates on XX/XX/XXXX, after living in XXXX for over 13 years. I contacted a realtor to help me search for my future home, so she suggested I install XXXX XXXX which I did, and I found out about 1 Delinquency dated back in XXXX. It brought me a red flag that something was wrong because I was still in XXXX that year! I contacted the 3 Credit Bureau to start the Dispute against that fraudulent activity immediately, and we could process it without any delay. The company that opened that account ( without my authorization ) is Comenity Capital Bank which already had transferred that account to XXXX XXXX XXXX for Collection. However, thanks to the early approach to do the Dispute with the 3 XXXX, XXXX, and XXXX, I got a letter from XXXX XXXX XXXX on XX/XX/XXXX, letting me know that they have reviewed their records and gave the following updates : We have closed 'your account ( which is not mine ) and ceased collections. You have no further obligation regarding this account. 
I honestly thought that the issue was erased from my credit report because XXXX, my personal Bank since XXXX, was able to give me a XXXX XXXX Credit Card ; however, my realtor emailed me a screenshot about some delinquency in my report and was unable to proceed with my mortgage correctly because of that issue showing still in my report? I decided to contact XXXX today to proceed with a Dispute to Comenity Capital Bank, and the representative from XXXX suggested I report this issue to this official site. 
Please I need your assistance regarding this terrifying issue because I can not imagine that this activity could damage my dream of a smooth transition back to my home USA and my dream to purchase my future. I do not want to think that this could happen again to me or no one. 
Yours Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX of XXXX I legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX. 
Following that I informed all creditors and credit bureaus of this. In XXXX of XXXX I realized that all except Equifax had updated my name. I also realized at this time ( due to a mortgage loan application ) that creditors were unable to pull my credit from Equifax. 
I contacted Equifax in XXXX of XXXX. I was told it would be updated as I sent in documentation. 
I tried to pull my own file with Equifax through myfico.com and they also were not able to pull my Equifax and refunded my the money. 
I was told by Equifax over the phone, it's correct it just isn't reflecting however it is definitely under my name correctly. I noticed in my account with Equifax on their website. It shows my name as XXXX XXXX on my account page, however in my credit file under personal information, it still shows XXXX XXXX. Under, " Formerly Known As '' it is blank. 
I would also like to state my credit file with Equifax has not changed nor been updated in years, even though I have two different mortgages, two refinances, different and new credit cards etc, in this time. 

There is no freeze on my report, Equifax website tells me there no freeze. I figured it would work itself out as I know sometimes corrections can take time. 

XXXX of XXXX, I apply for a cash out refinance. My Lender tells me they are unable to pull my Equifax credit report. Luckily my loan was still approved. 

I logged into my Equifax account, and realize that my name is still not accurately reflecting and that my credit history, etc, has not been updated in YEARS! 

I contacted Equifax again, through the dispute center online via their website. Confirmation number XXXX and brought the issue to their attention. I also re-uploaded my name change documents. A couple days later I received an email saying my issue was resolved and that in short, told me to make sure my lenders were sending in accurate information when they go to pull my credit. The entire response was essentially a none answer, and still did not resolve my issue. 

Lenders, including myself through myfico are unable to pull my report, my report has still not changed or updated in years, and my name change STILL has not been done nor reflected on my credit report. From the lenders side Equifax just doesn't send back anything, it is blank. 

I am at my wits end and I am here seeking your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello My name is XXXX XXXX. Im writing this complaint in response to Complaint XXXX and XXXX. This complaint is in regards to both Experian & XXXX for violating my rights to privacy. Its been submitted well over 30 days ago without a response. By law these items need to be removed from my consumer report. Both Experian & XXXX have taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false information to my consumer report without my lawful authority. 


This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency to furnish any of these items to my consumer report. It is my belief that the consumer reporting agencies, ( such as XXXX, Experian, XXXX ) parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After reviewing my information on the Experian website after identity theft, their website prompted me to call them. I called and the amount of prompts to get to the person they told me to contact was more than 5. Theyve made it extremely difficult to dispute due to identity theft. XXXX in disputes transferred me to XXXX XXXX. XXXX was insensitive and rude. Experian not only made the process of disputing items on my credit report difficult, they have determined that the will leave the inaccurate information as they research it. I find it highly unacceptable. Also, they promote their premier membership as Im going through identity theft and may provide subpar service in an effort to force me to upgrade. This is all unethical.

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 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
They texted me stating is an attempt to collect a debt for Southwest Credit. I do not know who that is nor have I ever opened an account with them. I do not trust a debt collector coming through text messages either. The number it came from is XXXX. Happened on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Someone was able to open a Capital One Debit Card in my name. I did not open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint Mortgage is inflating maintaince charges. They make up fraud each month that is more than my payment. eg Their lawyers fees : {$3000.00} ... .they charge me {$40.00} per week to drive by my house... I call them... they tell me ... '' Yes we are doing that ... ..because we can '' ... ..Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05 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: CA

Complaint narrative:
To whom it may concern, The reason for this complaint is to delete incorrect information on my credit reports. The incorrect information is an unauthorized inquiry from XXXX XXXX XXXX XXXXXXXX on the date XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX agreed to have this inquiry removed, sent the removal request to all three credit bureaus but so far nothing has happened to my credit file. I attached a copy of their letter. Simply they requested that all three credit bureaus remove this unauthorized inquiry from my credit file but so far there has been no action from Experian, XXXX and XXXX. I am devastated by their lack of action. 
Please make sure that this matter is taken care of promptly as existence of this incorrect information is unjustly causing harm to my credit file. 
Thank you in advance for your immediate 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 explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Our mortgage loan has been sold and servicer changed with no notice. Our mortgage loan originated with USAA in XX/XX/XXXX and was serviced by XXXX. Supposedly notice was provided on XX/XX/XXXX, of our mortgage loan being sold to XXXX and serviced by XXXX XXXX effective XX/XX/XXXX, but we have received no notice and USAA can not provide documentation of the notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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 XXXX  XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681section 602 A. States I have the right to privacy.

15 U.S.C 1681section 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 2022-05-05 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NV

Complaint narrative:
Fraudulent debt collection just appeared on all 3 of my credit reports last week. This is stopping me from purchasing a home. Please remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paradigm Assets, LLC
State: DE

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation