vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint against Experian for their failure to block a fraudulent XXXX XXXX XXXX account from my credit report, despite my submission of all required documentation. This account, with the account number XXXX, is a result of identity theft, and Experian has not acted in accordance with the Fair Credit Reporting Act ( FCRA ) to address this issue. 

Details of My Complaint Proof of Identity Theft : I have submitted the following documentation to Experian : Proof of identity, including copies of my driver 's license and Social Security card. 
Proof of residence at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX for the past XXXX years. 
A Federal Trade Commission ( FTC ) Identity Theft Affidavit. 
A police report confirming the identity theft. 
Denied Requests : Despite providing the above documents, Experian has denied my request to block the fraudulent XXXX XXXX XXXX account. Instead, they have treated my block request as a dispute and returned it as verified without any context or proof that the debt belongs to me. 

Improper Verification Process : Experian has failed to conduct a proper investigation. The fraudulent XXXX XXXX XXXX account was verified by Experian without thorough verification, contrary to the requirements of the FCRA. 

Violations of the Fair Credit Reporting Act ( FCRA ) Experian 's actions violate several provisions of the FCRA, including but not limited to : Section 605B ( 15 U.S. Code 1681c-2 ) : Failure to block the reporting of information resulting from identity theft within four business days upon receipt of appropriate proof.

Section 611 ( 15 U.S. Code 1681i ) : Failure to conduct a reasonable reinvestigation of the disputed information.

Section 623 ( 15 U.S. Code 1681s-2 ) : Furnishing information with actual knowledge of errors and failing to update and correct inaccurate information. 
Request for Immediate Action I respectfully request that Experian : Block the fraudulent XXXX XXXX XXXX account ( account number XXXX ) from my credit report as required by law. 
Provide written confirmation that the fraudulent account has been blocked. 
Cease any further reporting of this fraudulent account to all credit reporting agencies. 
I urge the Consumer Financial Protection Bureau to investigate this matter urgently and take appropriate enforcement action against Experian to ensure compliance with the FCRA and to prevent further harm to consumers like myself. 

Thank you for your prompt attention to this serious matter. 

Sincerely, 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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I reached out to capital one about inability to charge open invoices on my card. I had paid the amount in advance. The credit balance I have is more than the credit limit of the card. 

The charges are processing very slowly. I called the number on the back of the card. I spoke with XXXX and he said that he could not verify the account without me giving the last XXXX of my social. I stated that I refused to give the last XXXX as federal law does not allow them to require the last XXXX. 
Also I was told I had to use the app to verify.. I told him as a doctor that we do not use phones, for patient safety... I could not use my phone and the app... 

He refused to assist me.. told me I was being unreasonable because I would not allow them to violate my rights under federal law. He disconnected the call. 

I called back and reached XXXX, who verified my account with my birthday rather than the social. She transferred me to a supervisor XXXX who gave me the information. She said she would speak with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I did not open an online account with Golden Sachs Bank USA.I received XXXX different bank statements from them each with a different account number. My name was on each one of them with my address. All these bank statements were in one envelope. I received these statements around the XXXX of XX/XX/2024. This is Identity theft. My husband called their customer service twice and they would not verify anything and hung up on him. they only said they would investigate. They have no fraud department to speak of. they did send out a dispute form but this not a dispute its fraud. one of the accounts had a tax return deposit of {$5900.00}. We did not file this year so I checked with the credit bureaus and found no discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, wire transfer was set in motion to be transferred from my bank, XXXX XXXX XXXX XXXX  ( XXXX ), into Chase Bank account XXXX which was for a fraudulent company, XXXX. XXXX hours later, XXXX contacted Chase Bank to stop the transfer. ( XXXX pm XXXX - XXXX - XXXX - XXXX - XXXX ) Chase Bank verified it had not yet been deposited into the fraudulent account shortly after stop was sent. XXXX  against XXXX was filed, FTC report XXXX filed, FBI IC3 Complaint against XXXX was filed, Opened case # XXXX with XXXX XXXX XXXX Department. Detective XXXX XXXX, badge # XXXX, XXXX, verified that XXXX is not a legitimate company and this was in fact fraud. XXXX XXXX from both banks communicated over the course of a week, back and forth conversations, and we knew that the transfer had not completed, and on XX/XX/XXXX XXXX received word that Chase Bank allowed the transfer to complete and I would not be receiving the money back. They had been asked to stop the transfer previous to it going through, they were provided many supporting documents to prove that this was fraud, XXXX of it was a police report that verified the fact, and they had still let the scam artists receive the money. Also on XX/XX/XXXX, XXXX submitted another recall to receive the funds back. FTC Report XXXX XXXX against Chase Bank created. FDIC case number XXXX created against Chase Bank. XXXX  complaint against JPMorgan Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XXXXXXXX XXXX SPRINGOAKCAP are reporting this account as a debt that I owe that is incorrect. I have previously disputed this account previously and each time it is stated that it is verified but thats not true. Now this will be my final attempt at getting these two companies to follow law as it is outlined. I deny each and every claim that I am indebted to any financial institution. The fact is THE XXXX XXXX XXXX received a security from me which is a receivable off books so they may securitize it. If Spring Oak Capital took an assignment of said security then they would be required under federal law to file a UCC 1 financing statement to prove possession of the account. This complaint will become an official part of record for any future court hearing I decide to pursue. I do not owe you a debt and you can not prove otherwise. I will give you 14 days to remove this collection or I will summons both companies to a federal court where the individual representing each party with need to swear in to attest to the fact you stated in your reply. I will not be extorted or bullied into paying a collection account that is fraudulent by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 
XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

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 informationisinaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Simply put, a charge-off means the lender or creditor has written the account off as a loss, and the account is closed to future charges. 

Im not paying no Collection Agency XXXX. XXXXXXXX XXXX  Resurgent Capital. Im not paying you XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX and this XXXX XXXX country XXXX. Give us back our holy land so yall can stop corporately scamming us. Stay yall XXXX XXXX XXXX  XXXX with this XXXX  XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX. 

Under the doctrine if estoppel by Silence, XXXX vs XXXX ( MO ) XXXX XXXX XXXX. I may presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist. 15 USSC 1681 never giving written consent For LVNV Funding LLC Collections Agency to furnish or obtain my information. Taxes are written off for unpaid debt while debt is being sold to collection agencies that illegally obtain recovered money for their own selfish, self-fulfilling beneficial gain. You are illegally recovering money from me that has been already been recovered through tax write off. Technically, I dont owe the credit agencies because I never borrowed anything from you. Information is being illegally collected for third party collection agencies to obtain social security numbers and birthdays for self-use of incriminating people to fall under the impression that you were are the initial loaners and that debt needs to be paid back to the initial loaning agency for relief. I do not owe the collection agency because once again 15 USSC 1681 is never giving written consent to furnish or obtain my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Inaccurate credit reports are causing me a lot of stress and uncertainty about my ability to use credit for essential purchases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OK

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 informationisinaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went into a chase bank to use the ATM. I deposited {$6000.00}. It was too much money and the machine stopped accepting deposits for the day. It gave me a receipt to file claim. I reached out to XXXX corporate and allow them to do their research, they credited me back {$1000.00} and told me they couldnt verify the rest, I reached out to the local bank and they also said they could not do anything further.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Hi XXXX XXXX XXXX XXXX ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2022 to XX/XX/2022 ; I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2024-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAND HOME FINANCIAL SERVICES
State: NJ

Complaint narrative:
Original I bought my home in XXXX with XXXX XXXX at a XXXX year fixed rate at XXXX % interest rate. Mortgage was sold in XXXX on XXXX to Land home financial, a private California mortgage corporation, that on their website states they're are licensed in New Jersey but don't have a licensing number-showing. In XX/XX/XXXX they wanted us to refinance at when I test rates were at XXXX %. They didn't take our mortgage payment from XXXX on. We got a real estate attorney, to fix situation. Which took a long time in court, with stress, people knocking on our doors offering to buy our house.Now I'm receiving tax default notices, I don't know if it's legal what they are doing. I need your help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC
State: TX

Complaint narrative:
Inquiries that WERE NOT AUTHORIZED AND NEED TO BE removedremove : * XXXX XXXX  : XX/XX/XXXX - XXXX * XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -on all XXXX bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XACTUS-AVANTUSXXXX-XACTUS LLC- XXXX XXXX XXXX XXXXXX/XX/XXXX - all XXXX bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Subject : Request for Validation of Debt - XXXX XXXX XXXX XXXX  I am writing in response to an alleged debt associated with account number XXXX. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.

I dispute the validity of this debt and am immediately requesting that you provide the following information : 1. The ORIGINAL CONTRACT with original creditor WITH MY SIGNATURE attached.

2. The PAYMENT HISTORY with the original creditor. 
3. I am also requesting a copy of PROOF OF DEBT ASSIGNMENT.

If you are unable to provide proof of these requests, then the erroneous information MUST be removed within 30 days of your receipt of this notice.

ALSO provide me with the following pertinent information ; 1. Verification of the original creditor and the full amount owed.

2. Detailed accounting of the debt, including any fees, interest, or charges added.

3. Proof that you are licensed to collect debts in [ Your State ].

4. Documentation proving that the statute of limitations on this debt has not expired.

5. Any agreements or contracts signed by me obligating me to pay this alleged debt.

Please note that until the validity of this debt is verified, I demand that you cease all collection activities, INCLUDING REPORTING TO CREDIT BUREAUS. 
Furthermore, I assert my rights under the FDCPA and request that all further communication regarding this matter be conducted in writing only. 
Please respond to this request within 30 days of receiving this letter. Failure to provide validation of the debt will result in legal assumption that this debt is invalid, and all collection activities must cease and this account must be deleted. 
Thank you for your prompt attention to this matter. 
Sincerely, 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