vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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/year>, I got a text saying there was a suspicious activity on my account from " XXXX  XXXX XXXX ''. I then received a call from XXXX XXXX XXXX ( an actual veruified XXXX  XXXX XXXX XXXX ) asking me to verify the activity. The man on the phone said he had to shut down my card and pin and send me a new one. Then he had me give him 3 codes over the phone, and one I had to log into my account and put it in to confirm it was me. Then he gave me his phone number ( XXXX ) and a fake name. After that a transfer of {$5200.00} went through, I called him back on his actual number ( I think ) and he answered saying " XXXX  XXXX XXXX, how can I help you? '' I told him what happened and he said he would stop the transfer and gave me a fake claim code. I then called XXXX XXXX XXXX 's number back a few minutes later to confirm my claim because this all felt suspicious. They had no record of any of this. They told me it was a scam and that because it was over XXXX minutes, they could do nothing except file a claim with Chase bank, who received my money. I filed a claim and the transaction still went through! I called Chase and they said they could not help me. I filed with the FTC and police and no one is helping me! XXXX  XXXX XXXX says I have to wait 90 days and fill out some form, which they have not gotten to me yet. Now I have no money in my account. On top of this they charged me a {$30.00} transfer fee!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: OH

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: TX

Complaint narrative:
After disputing several accounts Under identity theft XX/XX/2024, I received an update stating accounts verified as accurate XX/XX/2024. I then requested proof of how they verified the validity and the account was accurate and belong to me.I did not receive anything.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
When I pulled my credit report trying to get my credit back in good standing I noticed that the reporting agencies all three have many different names on my report that are not mine a couple of different addresses that are not mine and they also have phone numbers that are not mine and never were mine some of these names belong to someone else so I'm afraid that it's going to cause more problems later. There is also accounts that have been charged off on my report and I think we all know that this isn't supposed to happen this is seriously hindering my credit they have also gotten all of this bad information from somewhere and they are reporting without my consent in some situations

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
When I pulled my credit report trying to get my credit back in good standing I noticed that the reporting agencies all three have many different names on my report that are not mine a couple of different addresses that are not mine and they also have phone numbers that are not mine and never were mine some of these names belong to someone else so I'm afraid that it's going to cause more problems later. There is also accounts that have been charged off on my report and I think we all know that this isn't supposed to happen this is seriously hindering my credit they have also gotten all of this bad information from somewhere and they are reporting without my consent in some situations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: SC

Complaint narrative:
When I pulled my credit report trying to get my credit back in good standing I noticed that the reporting agencies all three have many different names on my report that are not mine a couple of different addresses that are not mine and they also have phone numbers that are not mine and never were mine some of these names belong to someone else so I'm afraid that it's going to cause more problems later. There is also accounts that have been charged off on my report and I think we all know that this isn't supposed to happen this is seriously hindering my credit they have also gotten all of this bad information from somewhere and they are reporting without my consent in some situations

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 2024-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
On XX/XX/2023 I walk into XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I had only been to this hospital twice a visiting this state. I also recently received a printout showing my insurance paid the balance in full XXXX BALANCE. I recently contacted XXXX XXXX XXXX acct # XXXX, very rude and demanded payment in full. I tried explaining to this guy that I verified the bill as paid XXXX BALANCE. This agency demanded bill due period was not willing to listen to me being very aggressive and unprofessional. This is the second agency calling regarding this debt. The XXXX XXXX review documents and remove it from my credit report. This debt is paid I never had a insurance bill due with this insurance everything is paid in full.

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 2024-07-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am frustrated by the response from the credit reporting agencies claiming that the investigation of these accounts came back as verified. My credit report still contains multiple inaccuracies. 

Under 15 U.S.C 1681i ( 7 ) Method of Verification, I have the right to understand the verification process your agency conducted. I demand a detailed account of every step taken to ensure these disputed items are accurate. 

Despite these investigations, my credit report still reflects discrepancies. Please rectify these errors promptly and provide the documentation I am entitled to under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
2 credit cards were opened in my name with out my knowledge and capital one deemed them fraudulent. These 2 cards were paid using my bank account and paid capital one using XXXX of my money fraudulently as capitalol one has said. This past year I've turned in bank statements, police reports, unauthorized transactions, notarized statements, and now a hold harmless letter. It's complete chaos at Capitol one. Every time you call it's someone new and they don't know what the person before told you. I never thought I could provide a company everything they asked for and they can see the payments were taken from my personal account and still not return my money. I have an appointment with the attorney general on XX/XX/XXXX but they said I had to follow up one more time before she filed a complaint against capital one. Never in my life did I think a huge corporation would fight a XXXX XXXX  over {$27000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Was leasing with a private owner, Owner sold the property to a company in the middle of my lease when the lease was over the company wanted me to sign a new lease and raise rent I refused and moved out and they filed to my credit because I didn't give them XXXX days notices nor did they inform me a head time in the increase of the rent to the lease renewal I have requested them to show me where I made an agreement with this company that's on my credit report claiming I owe them money. I sent out a letter for request and have contacted the office XXXX for documents but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Accounts opened and closed. Then reopened... mortgage opened.

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 2024-07-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I have been double billed for XXXX wireless phone numbers that I paid for and the payment reflects on the attached bill. I have disputed this XXXX XXXX XXXX  debt with the FCC and XXXX XXXX XXXX claimed they would resolve this but lied. 

I have proof of payment. This company is harassing me for payment not owed. They are ignoring my dispute, contacting extended family members, texting and calling.

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 2024-07-24 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: TX

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2024-07-24 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND yo validate this account : Please provide me with the following : Full accounting for this account Copy of assignment of purchase from the creditor Every charge and what was purchased, fee, payment, credit interest How you calculated what you claim I owe ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Full chain of assignments from charge off to present Proof that you owe the debt with full clear title Proof that you were on the original contract ( XXXXXXXX XXXX XXXX XXXX  ) & ( XXXX XXXX XXXX XXXX XXXX  XXXX If you cant provide me with sufficient proof listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation. My attorney who specializes in suing debt collectors will be on standby waiting for instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
XXXX referred me to your agency today. 
live at XXXX XXXX XXXX, XXXXXXXX XXXX 
A few months ago, I discovered I was the victim of mail and XXXX XXXX fraud involving a {$400.00} check I wrote on XX/XX/XXXX to the Navy Federal Credit Union, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
The check was for my estimated taxes paid to the XXXX Department XXXX XXXX. 

The state notified me in XXXX that I had not paid my estimated taxes. 
I checked and found that my check had been stolen, chemically " washed, '' a new payee added and the check cashed at the Navy Federal Credit union. 
I have attached a copy of the check and also an affidavit on XX/XX/XXXX, to my bank, XXXX XXXX XXXXXXXX XXXX and my police complaint. I also filed a complaint to the XXXX, Postal Service. 

XXXX XXXX has written repeated requests to the Navy Federal Credit Union to recover my {$400.00}. The Navy Credit Union has not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 2 personal loan accounts XXXX XXXX  and XXXX currently closed a XXXX XXXX XXXX Account in Collection and 5 inquiries From XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2024-07-24 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 2 personal loan accounts XXXX XXXX  and XXXX currently closed a XXXX XXXX XXXX Account in Collection and 5 inquiries From XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: GA

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

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 2024-07-24 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: GA

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

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