vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/year> Subject : Complaint Regarding Unresolved Dispute with Chase Bank Dear CFPB Team, I am writing to formally submit a complaint regarding Chase Banks handling of unauthorized transactions on my account. Since discovering these suspicious transactions, I have made multiple attempts to address the issue with Chase, but they have denied my requests without conducting a thorough investigation or providing a satisfactory resolution. 

During the time these transactions occurred, I have been in the United States and have not traveled abroad. This leads me to believe that these transactions were made without my authorization, likely due to identity theft or fraudulent activity. Although I have provided Chase with evidence, such as proof of my continuous presence in the U.S. and other supporting documents, the bank has refused to take further action.

To assist CFPB in understanding this issue, I have gathered all relevant transaction details, including dates, amounts, and merchant names. Additionally, I have kept records of all communications with Chase Bank, including phone calls, emails, and official correspondence. I have uploaded these documents for review and hope that CFPB will intervene to help resolve this matter. 

I chose Chase Bank because I believed they would protect the interests of their customers, but this experience has been disappointing. I respectfully request that CFPB reopens the investigation and ensures that the bank conducts a more thorough review to recover the funds lost due to these unauthorized transactions. 

Thank you for your attention to this matter. I appreciate CFPBs commitment to protecting consumer rights and look forward to your assistance in resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I lived in an apartment complex named XXXX XXXX I had a balance of {$420.00} that I paid upon moving out via money order. I received and email confirmation from XXXX XXXX stating that I no longer had a balance with them. XXXX months ago I began receiving calls from a collection agency XXXX XXXX XXXX saying I owed them that amount. I tried asking for them to confirm my information and they failed to comply. I tried calling and emailing XXXX XXXX to try to understand why I was being charged {$420.00} when I had already paid months prior but I never received a response or a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: OH

Complaint narrative:
Subject : Formal Complaint against JEFFERSON CAPITAL SYSTEMS LLC Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against JEFFERSON CAPITAL SYSTEMS LLC for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that JEFFERSON CAPITAL SYSTEMS LLC placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt.

I hereby declare my revocation of all communication channels with JEFFERSON CAPITAL SYSTEMS LLC, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that [ Debt Collector ) provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If JEFFERSON CAPITAL SYSTEMS LLC is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.

The date on my consumer report indicating that I opened an account with JEFFERSON CAPITAL SYSTEMS LLC is blatantly false. I neither received any services or products from JEFFERSON CAPITAL SYSTEMS LLC nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights.

Moreover, it has come to my attention that JEFFERSON CAPITAL SYSTEMS LLC is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution.

The actions of JEFFERSON CAPITAL SYSTEMS LLC constitute clear violations of XXXX XXXX XXXX ( d ), XXXX XXXX XXXX ( c ) ( XXXX ) ( i ), XXXX XXXX XXXX ( b ) ( XXXX ), and XXXX XXXX XXXX XXXX ( XXXX ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 

Please keep me informed about the progress of this complaint, and I appreciate your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions 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 explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: IA

Complaint narrative:
I was unaware of this debt until it appeared on my credit report as a collections account. I had co-signed a lease for someone over two years ago, and they defaulted on the lease agreement in XX/XX/XXXX. The property management company sent this debt to IC System in XXXX of XXXX. There was no communication from the property management company or the debt collection company, and the only way I was made aware of this debt was once it negatively affected my credit score by going to collections. When I contacted the debt collection company, I asked why there was no attempt at correspondence, which they refuted by saying they had sent me two text messages, one on XX/XX/XXXX and one on XX/XX/XXXX, neither of which I have records of. Even if these text messages were sent and I some how missed them, the extremely little effort put into attempting to inform me of this debt makes the whole situation seem suspicious. I have dealt with debt collectors in the past, and they called my phone almost daily, sent letters in the mail, and sent emails. Compared to that, this was extremely poor communication. I am fine with paying a debt that I am legally responsible for, but the fact that I was not made aware of this debt until there were negative remarks sent to the credit reporting bureaus is atrocious behavior. I attempted to call the debt collection company back today to settle the debt so I could get the negative remarks removed from my credit report, but apparently now my account has been transferred to an, attorney, and they would not tell me why this was the case. When one of the agents tried to transfer my call to this supposed attorney, I was automatically transferred to an automated menu referring to, Service Repair Contracts, which makes absolutely no sense. Now I am waiting to hear back from this so called attorney in order to make forward progress with paying off this debt.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Someone has been using my information since 2014 and I dont know what to do because I cant open ANYTHING and its truly hindering me advancing in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MN

Complaint narrative:
I have 2 debt collectors on my credit report trying to collect for the same debt. The original creditor is XXXX and I have tried disputing this with both creditors as well as XXXX It is double jeopardy and harming my credit. The debt Collectors are XXXX XXXX and ICSystem and are listed at a {$30.00} difference and are reporting collection on my credit every month. IC SYSTEMS has tried to get me to pay a amount for this to even be looked into which I know that is not legal. I have gone and paid XXXX XXXX XXXX XXXX So there is no longer even a debt to collect. Please remove them off my credit 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 non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. 
The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRA regulations. 

XXXX XXXX XXXX  XXXX XXXX, XXXX, OR, 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 2024-09-18 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: LA

Complaint narrative:
I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : XXXX. Account Name : XXXX  Account Number : XXXX Reason for Dispute : I did not authorize this account there is no contract baring my wet signature this must be deleted. 
Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 
Please provide the specific details on how the investigation was conducted, including : XXXX. The name, address, and telephone number of the person or entity that verified the information. 
XXXX. The method and sources used for verification. 
I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: LA

Complaint narrative:
I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : 1. Account Name : XXXX  Account Number : XXXX Reason for Dispute : I did not authorize this account there is no contract baring my wet signature this must be deleted. 
Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 
Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information.

2. The method and sources used for verification.

I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 
Sincerely,

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 2024-09-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On or about XX/XX/XXXX, I noticed a series of unauthorized transactions totaling over {$5500.00} from a merchant with whom I had previously closed my account due to questionable practices. These transactions posted to my account between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I initiated a dispute through the app, but due to its limitations, I was unable to report all the transactions. I subsequently contacted customer service, and the representative assured me that the remaining transactions would be processed. On XX/XX/XXXX, I received a provisional credit of {$1300.00}. 

I have since submitted multiple pieces of correspondence from the merchant, confirming that my account was closed as of XX/XX/XXXX. The merchant has also affirmed that no transactions occurred on my account after that date, thus verifying that the transactions in question are indeed fraudulent. I have provided Truist with all necessary documentation, including proof of the account closure and the merchant 's confirmation. 

On Friday, XX/XX/XXXX, I called to request a status update. I was informed that the representative had failed to attach the remaining transactions to my initial fraud claim. A supervisor reviewed each transaction and submitted a new claim. Today, XX/XX/XXXX, despite assurances that the claims were approved, I was informed that both claims were denied. 

The provisional credit is scheduled to be reversed on XX/XX/XXXX. If this occurs, I will be retaining legal counsel, as Truist 's actions are in violation of my rights under the EFTA. Under the EFTA, consumers are entitled to dispute unauthorized electronic transfers and may seek damages for violations, including statutory damages under XXXX XXXX XXXX XXXX. 

Truist has consistently declined to provide any information supporting their denial, despite my repeated requests. 

I am deeply concerned that despite providing comprehensive evidence, Truist has disregarded the facts. I expect immediate resolution of this matter to avoid further escalation.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-18 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the account from my file. 
XXXX XXXX XXXX Balance {$1300.00}

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 non-monetary relief