vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Multiple times in the last few months someone has tried to open credit cards in my name at different credit companies. This includes Chase, XXXX XXXX, and a company called XXXX. I have my credit reports locked and have multiple fraud alerts set up so I usually call the co.pany to inform them of the fraud. But there needs to be a better system. There should be a way to set up a block so someone will be immediately rejected from opening a card in my name. And the credit card companies shouldn't be asking me for more personal data when I call to report the fraud. My information was stolen from XXXX of these supposedly responsible companies to begin with and I don't trust giving them any more of my data! And yet they all insist on asking for my social security information!! And these companies won't give me any information on who may have opened the application, how or from where!! 
I do know that whoever has this information is located in the XXXX XXXX because they keep trying to break into my email from that country when this occurs. I can track that attempted access.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This account was opened fraudulently and I have reached out to the company this is actually my second dispute of this item as the information that was provided addressed me by my name, but the account was noted as belonging to XXXX XXXX. That is not my name my name is XXXX XXXX XXXX. I have supplied this information to the company. I have also asked for certification that they can collect debts in Texas as they are a company based in South Carolina. Paper work needs to be signed so I have asked for the wet signature that was used to open this account and a complete record of charges and payment information showing which accounts paid for these charges because I have had the same bank for XXXX years being XXXX XXXX XXXX XXXX XXXX I do not bank with any other institution and do not feel I should have to work this hard to clear my name XXXX have been a detriment to me and I do not appreciate being dragged through the mud for simply trying to clear my name and my credit from fraudulent account. I have only had XXXX credit cards in my name belonging to capital XXXX. XXXX are not in compliance with the fair credit reporting act because if you simply dig a small amount of research you would see thats not even my name to begin with I have my birth certificate, my government issued driver license and yall still are presenting fraudulent information. As you can see there is a signature on my id that is my signature and any account I have ever opened has asked me sign my name so I would like to be provided with all information related to this account not just the information you think is relevant as your company never even allowed me the original dispute time to reach out to yall I didnt know this account existed until it appeared on my credit report as a charge off with your company I was able to remove it when it was with credit XXXX bank because even they knew they didnt have an account with my when I provided my info. The info you provided also lists a different address that does not and has not belonged to me XXXX is not my address so again I ask you to remove this fraudulent account please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
After reviewing my report, I noticed that this account is still on there, and it was supposed to be deleted. I further notice that the information that is reporting on there is incorrect and not accurate at all. 

Account was paid off in full, but they didnt state that it was paid. This account was to be completely deleted. It not showing not the report a few month ago Now it is back on was also supposed to be deleted. 

I have also noticed that it states that the company claimed this as a loss of assets which means they receive compensation for it and now its trying to make me pay again to receive double compensation which means this is a fraudulent claim.

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 2023-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am writing to formally report a case of identity theft and fraudulent activity involving an account opened with XXXX XXXX XXXX in the amount of {$1800.00}. I have recently begun receiving bills for this account, but I can confirm that I did not initiate or authorize this account. This is a clear case of fraud, and I am seeking assistance to rectify this situation and remove any adverse effects on my financial history. 

Creditor : LVNV Funding LLC Original Creditor : XXXX XXXXXXXX XXXX Account Balance : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC
State: TX

Complaint narrative:
On XX/XX/2023 I reached out to XXXX XXXX agency who was in charge of collecting the debt for XXXX XXXX. The responded XX/XX/2023 providing copy of last statement from XXXX. I then replied on XX/XX/2023 with proof of payments made, proof of myself the consumer closing the account and transferring to another provider. I also advised XXXX that the statement was showing they were trying to bill me for another month of service when my account was closed and transferred on XX/XX/2023. In addition, I provided this information to XXXX, XXXX, and XXXX. On my credit report the debt is being listed under XXXX not the collection company. I sent proof of payments, proof of closing the account and transfer with XXXX to the credit bureaus disputing this inaccurate debt. I submitted disputes to XXXX on XX/XX/2023 and again on XX/XX/2023. I submitted a dispute with XXXX providing proof of payments and proof of closing the account as well as transfer to XXXX on XX/XX/2023 and again on XX/XX/2023. I submitted disputes to XXXX on XX/XX/2023 and XX/XX/2023 providing proof of payments and proof of closing the account and transferring to XXXX on XX/XX/2023. All results from each credit bureau is only reflecting account being updated. They have not removed the account under FCRA when proof has been provided showing is being reported erroneously to my report. In addition, I on the same dates for disputing I disputed several other accounts as well providing documentation that I reached out to the creditors of XXXX XXXX and Open Sky that the balances being reported were inaccurate. The credit bureaus are failing to remove inaccurate debt from my consumer report per the FCRA guidelines. As well as while a full investigation is being done removing the debt from the credit report is not being done. In addition, a full investigation is not being done. They are allowing inaccurate debt to be put on a consumer report even after proof has been provided that the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: Experian Information Solutions Inc.
State: NC

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 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 2023-10-02 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: TX

Complaint narrative:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: GA

Complaint narrative:
Experian is taking more.than 30 days to remove data from my credit report or responding well after 30 days

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 2023-10-02 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: TX

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 information is inaccurate.

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 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Debit card with Citibank has been blocked for a month. I can not access my money for a money and falling back on payments and living expenses. The bank can not verify me any other way that a letter which i havr not received for more than a month. The agenta disconnect the call every time i ask for an escalation or another method to help 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 explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-10-02 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:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has yet to remove or delete my end loan off my credit report they claim they did an investigation but they have not they need to delete XXXX loan that is paid off and update my credit score

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 2023-10-02 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: Experian Information Solutions Inc.
State: FL

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 2023-10-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX SHOWING THE WRONG CLOSING DATE FOR THIS CHARGE OFF, THEY PUT A NEW DATE AND YEAR FOR CHARGE OFF DEBT, DO TO THIS INCORRECT INFORMATION AND OTHER INACCURACIES IM ASKING FOR THIS DEBTTO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT. XXXX XXXX is in violation of privacy act 1974, I didn't give XXXX XXXX Consent to report my personal information I also don't remember doing any business with this company, do to XXXX XXXX violating my privacy rights, I have been Suffering XXXX  damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge-off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX, Transunion and XXXX other fraud has been committed under my name. Please show me where I gave XXXX XXXX the consent to share my personal information to these institutions.l ask that XXXX XXXX XXXX XXXX to obey the laws of 15 U.S.C 1681 ( E ) B-15 U.S.C 1681 | ( 5 ). Preservation of consumers claims and defenses, unfair or deceptive acts or practices.

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 2023-10-02 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: CA

Complaint narrative:
i am not liable for the debt owed of {$2500.00} to XXXX XXXX XXXX.i did not sign a contract with XXXX XXXX XXXX..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
I have called and sent documents and filled out forms and spend HOURS on the phone either waiting to speak to someone or speaking to someone and still the issue has not been resolved. MOHELA is stating that I need to resume payments when I have made well over the XXXX payments required for forgiveness under the new XXXX criteria. When my loan was transferred to MOHELA from XXXX, all of my payments were not applied to my account and I have submitted documentation showing payments as far back as XXXX  when the XXXX program started. At this point, I am being told I need to resume payments when in fact, I should be owed a refund. I have asked over and over again for a manual count to get credit for all payments through XXXX and when I speak to a representative, they all agree yet NOTHING has been done. I have uploaded documents and mailed documents and faxed documents and still, nothing has changed. I am in the process of seeking legal counsel which I will also ask MOHELA to pay the fees incurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I requested a decrease in the interest rate on my mastercard. The rate is 31.24 %. I have been a customer of this charge card since XXXX. The card was a store card then changed to a XXXX  card. I have never missed a payment and have most of the time paid more than the minimum amount due. I have a XXXX  score of XXXX according to the credit card. They refuse to decrease the rate because of what I signed in XXXX. I would think that the store card transfering to XXXX would void the original agreement. I believe it is unfair that the company can not reduce the interst rate that XXXX  years ago was a penalty rate.

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 2023-10-02 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-10-02 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: NJ

Complaint narrative:
Acct # XXXX XXXX XXXX XXXX my credit limit was {$700.00} I was charge an additional XXXX after account was closed also same place Acct # XXXX my credit limit was {$400.00} I was charge another {$300.00} after account was closed I have rights 15 U.S.C 1681s 2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I need both of these removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.

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 2023-10-02 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: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 explanation