vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX XX/XX/2024 : I opened up a time payment plan offered by Chase Bank which allowed me to set monthly payment of {$1000.00} per month over a 12 month period interest free. I called to inquire if the plan could be paid early without penalty. I was only advise that I would have to pay the TOTAL amount owed on the plan. I could not apply additional payments solely against the plan. WHAT I WASN'T ADVISED WAS THAT ALL REFUNDS FROM PREVIOUS PURCHASES WOULD BE APPLIED TOWARDS THE INTEREST FREE PLAN AND NOT MY CREDIT CARD PURCHASES. THIS INTEREST FREE PLAN HAS BEEN REDUCED FROM {$12000.00} TO {$5000.00}. IN TWO MONTHS.

I only realized what was happening after a second billing cycle which showed my interest free plan had been reduced by several XXXX of dollars. I call Customer Service. The bank has records of my calls about my issue. The first representative stated my issue would be referred to the escalations department. Last week I spoke to supervisor who assured me it was being looked into. Only, during these conversations, was I advised re : the credit card refund policy to the plan. I was also advised to expect a follow up in writing. 

On XXXX XX/XX/2024, I made another called to the bank and was passed onto a person in the escalations department. He reiterated the plan policy and flatly stated nothing could be done to fix this issue. He gave me the address to write a letter to Chase Card Services. I wanted the funds moved from the plan to the credit card purchases making up my balance. 

I called again later in the afternoon. I asked the representative where -in writing- is the policy advising the consumer that all refunds to my credit card would be applied to the plan first and NOT back against the original purchases.. I also asked where can I see the itemized list of the refund transactions applied to the plan. I only see total amounts reducing the amount owed on plan. My rewards points of over {$1300.00} was cashed in and I do not know if the moneys were applied against the plan. 

When I set up the pay over time payment plan, there was no accompanying documentation. I question if this is a fair practice and even fraudulent. To avoid paying interest on my credit card, I have had to pay a larger interest saving balance. It contradicts the reason why I set it up the plan in the first place. Certainly not in the best interest of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Previously was in dispute with Navy FCU the accounts have been paid, XXXX still showing outstanding balance and causing me to get denied for credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: MIDWEST RECEIVABLE SOLUTIONS LLC
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc.
State: NV

Complaint narrative:
Previously was in dispute with XXXX XXXX the accounts have been paid, XXXX still showing outstanding balance and causing me to get denied for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: NV

Complaint narrative:
Previously was in dispute with XXXX XXXX the accounts have been paid, Equifax still showing outstanding balance and causing me to get denied for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to inform you that I have recently discovered that my identity has been compromised, resulting in fraudulent accounts being opened without my knowledge or consent. I have taken the necessary steps to report this identity theft to the relevant authorities, including the XXXX XXXX XXXX XXXX XXXX XXXX and my local police department. Attached, you will find copies of my XXXX identity theft reports and my police report for your records. 

I have also mailed a copy of these documents to XXXX and TransUnion. I request that you investigate the following accounts and take appropriate action to remove them from my credit report, as they are the result of true identity 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 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Without any prior warning or communication, Chase Bank abruptly closed my checking account, which I have maintained for several years. I received a sudden notification indicating that they were protecting me from potential fraud and that my accounts might be closed. Upon contacting the bank, I was informed that my account was being closed for undisclosed reasons. I am now unable to access my funds, and the bank stated they would send me a check for my remaining balance within 10 business days. Additionally, I was told that I would never be able to open an account with Chase again. When I visited a branch for clarification, I encountered the same unsatisfactory responses and they refused to provide my remaining balance in cash, insisting on the check instead.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Account Number XXXX. I took another look at credit report, I just saw somethings that need some attention, concerning, this account, This late payment is reporting incorrectly, for example my XXXX account is showing XXXX was paid on time, XXXX was XXXX days late, and XXXX was XXXX  days late, However XXXX shows XXXX was paid on time, XXXX was XXXX days late and XXXX was paid on time, Transunion shows XXXX was paid on time, XXXX was XXXX days late XXXX was XXXX  days late. This report is inaccurate, I pay my payments on time every month, please reinvestigate this account and update to Paid on time immediately thank you

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 2024-06-01 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX Account Number XXXX. I took another look at credit report, I just saw somethings that need some attention, concerning, this account, This late payment is reporting incorrectly, for example my XXXX account is showing XXXX was paid on time, XXXX was XXXX  days late, and XXXX was XXXX days late, However Equifax shows XXXX was paid on time, XXXX was XXXX  days late and XXXX was paid on time, XXXX shows XXXX was paid on time, XXXX was XXXX days late XXXX was XXXX days late. This report is inaccurate, I pay my payments on time every month, please reinvestigate this account and update to Paid on time immediately thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: PA

Complaint narrative:
Ive noticed unauthorized charges on my credit Report as I am a victim of fraud so someone had to apply for something in my name. I sent several dispute letters to XXXX, XXXX and TransUnion asking to have these inaccuracies removed. This has been a long process and I want them removed. All three companies continue to report these inaccuracies on my credit report and its hurting any chances of business opportunities. 
XXXX : Report Number XXXX And Ive uploaded photos from XXXX and Trans Union to show that these changes have not been made. They remain there on my credit report after numerous attempts and letters sent out asking for removal of these fraud charges

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 2024-06-01 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: PA

Complaint narrative:
Ive noticed unauthorized charges on my credit Report as I am a victim of fraud so someone had to apply for something in my name. I sent several dispute letters to XXXX, Equifax and XXXX asking to have these inaccuracies removed. This has been a long process and I want them removed. All three companies continue to report these inaccuracies on my credit report and its hurting any chances of business opportunities. 
XXXX : Report Number XXXX And Ive uploaded photos from Equifax and XXXX XXXX to show that these changes have not been made. They remain there on my credit report after numerous attempts and letters sent out asking for removal of these fraud charges

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I UNEXPECTEDLY RECEIVED A LETTER OF GARNISHMENT OF WAGES AT MY PLACE OF EMPLOYMENT. I NEVER RECEIVED A SUMMONS TO APPEAR IN COURT FOR A DEBT IS XXXX YEARS OLD AND I RECEIVED A LETTER OF VOLUNTARY DISSMISSAL FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable XXXX, and I implore you to correct this mistake by promptly removing it from my account.

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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable XXXX, and I implore you to correct this mistake by promptly removing it from my account.

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 2024-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

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 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Next Financial Inc. dba Copper
State: KY

Complaint narrative:
My XXXX granddaughter and myself had a XXXX account with the company Copper. Copper is going through a business restructuring and is supposedly refunding all money that was stored on its online accounts to the parent account ( me ). I keep getting emails about the funds being delayed for one reason or another and my granddaughters total savings of {$3500.00} is hanging in the balance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: MD

Complaint narrative:
I did not permit this inquiry, and I have not had any contact with this lender on the date mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX XX/XX/XXXX S.S # XXXX XX/XX/XXXX To whom this may concern : It my great pleasure I want to inform you that You violated my right as a consumer! Please be advised that banking system is dependent on fair an accurate reporting Only! When you report inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). The FCRA was put into place to protect consumer like myself, and other privacy and you will uphold the law!!! Or you will be liable to pay me {$1000.00} pursuant to 15 USC 1681n civil liability for non compliances.

Please be advised that YOU have assumed a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I reserve the right to privacy you shall not report ant transactions or experience between myself and the person making the report at all. The only way communication amongst other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. You're reporting information on without no proof or investigation prior to these items being reported on my credit report.

In addition, please reinvestigate the following items : 15 U.S.C 1681a ( 2 ) ( i ) -Definition ; Rules of Construction Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account XXXX : XXXX XXXX Account Number # XXXX Please re- investigate the accounts and remove them from my consumer report. There are multiple violations under the Fair Credit Reporting act .... I have attached the letter with the account names and account numbers with each violation, which enclosed my DL to identify myself. 

*** IN ADDITIONAL, I DO NOT CONSENT TO E-OSCAR VERIFICATION*** 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 explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FC HoldCo LLC
State: LA

Complaint narrative:
In response to the company who uploaded a contract that I dont even have. They uploaded a contract showing an amount but when I called and requested one they sent me a contract with a different amount. They uploaded a license thats been lost and and address that I have not resided at in over 8 years. I am providing my bill with my address, my identity as well as the contract that was sent to me. This is not the same and I am willing to take this legal if this tradeline is not removed.

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 2024-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from 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 2024-06-01 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: VA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from 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 2024-06-01 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: IL

Complaint narrative:
In XX/XX/XXXX I contacted Equifax for more information on account XXXX XXXX XXXX XXXX ending in # XXXX, they responded back via mail with a letter stating my XXXX Date of Delinquency is reporting as XX/XX/XXXX. 

Today is XX/XX/XXXX I contacted Equifax again to get the account removed as it would have reached the 7 year statute of limitations law. I spoke to Representative XXXX and hes stating the XXXX Date of Delinquency has not changed it has always been XX/XX/XXXX. Which is incorrect and will be uploaded with my complaint. 

The date of the 1st date of delinquency would have made 7 years XX/XX/XXXX and is now changed just days before its supposed to fall off, which is a violation to the Fair Credit Reporting Act. 

Federal law prohibits collection agencies from changing the original delinquency date of the debt. I have documents showing the original date has been changed. 

Not to mention this account has already been removed from my XXXX and XXXX reports due to it has hit the 7 year mark. This account should no longer be listed on my Equifax credit report as well.

Company response to consumer: Closed with explanation