vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
Attention Beneficiary, We want to inform you that the Federal Bureau of Investigation ( FBI ) has assigned the payment of the recently recovered unpaid poverty alleviation and economic relief compensation funds to this reputable banking institution in order to ensure that all the beneficiaries receive their due funds accordingly. 

According to the payment file submitted to us, this fund is a compensation fund that was awarded to several people in the XXXX XXXX XXXX XXXX  which was organized and sponsored by the XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX 

The total compensation funds were supposed to be disbursed to all the beneficiaries in XX/XX/XXXX, but were looted and made elusive by the bank officials who were assigned to carry out the payment disbursement. The funds were finally recovered last month with the help of the Federal Bureau of Investigation ( FBI ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

You are receiving this notification because your name and address are included in the beneficiaries list of the compensation scheme and the total amount due to you according to the compensation file is XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX United States Dollars only ) which shall be paid to you by this bank either through any of the below-listed payment methods according to your preferred option. 

Upon receipt of this email, send your personal information to ( XXXX ) to apply for your overdue compensation fund claims. 

We anticipate your response as soon as possible so that we can expedite actions for the immediate release of your payment. 

Regards, Chase Bank. 
XXXX IS WHAT IS TOLD TO ME ****

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: MN

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
There is a bankruptcy listed on my credit reports. This information is incorrect.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
There is a bankruptcy listed on my credit reports. This information is incorrect.

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 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I used my card and fully paid it off, the lender will not honor the cash back that I earned spending on that credit card, but despite me paying the card off fully I received a letter that they were closing my account on XX/XX/year>. Their stated reason is payment and unusual purchase history on your credit account that Synchrony deems XXXX be indicative of future intention not to pay. So despite me paying off my card fully in time they've closed my account because they think I will not pay, I had only received the card XXXX or XXXX months prior to them closing it, and not once did I miss a payment within that time period. Applying for this credit card damaged my credit due to the inquiry and the loss of credit limit will also impact my credit since it will cause my overall credit utilization to increase.

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 2024-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
I informed Freedom Mortgage, that I had performed on the bill of Exchange/ interest check. Also to transfer the principal positive account balance to the principal account for set off. Bringing the principal account balance to XXXX. This was sent to them XX/XX/year>. I have yet to receive a response from them

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 2024-12-15 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: NY

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 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recuvery LLC
State: AL

Complaint narrative:
I received a letter from your company claiming an alleged debt that is supposedly owed to you. First let me start by saying I have never heard of your company and have never conducted any business with you, especially not a transaction that would result in collection. Next, I am requesting that this alleged debt be VALIDATED, pursuant to the FDCPA validation of debt section, 15 USC 1692g.

I am also specifically requesting the ENTIRE PURCHASE AGREEMENT, not just the Bill of Sale associated with this alleged obligation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  XXXX number : 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 2024-12-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XXXX credit acceptance XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These hard inquiries are the results 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 2024-12-15 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: CCS Financial Services, Inc.
State: LA

Complaint narrative:
Violations of My Consumer Rights!!!

28 3002-10 ( Person ) 18 USC Section 241 15 USC 1650 15 USC 1692 ( g ) ( d ) 18 USC 657 18 USC 1032 18 USC 1344 This ENTITY is a Third Party which XXXX didn't not sign a contract with. I owe this XXXX nothing!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: GA

Complaint narrative:
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 apartments XXXX XXXX on XX/XX/year> under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 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 # XXXX as proof from the XXXX 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 2024-12-15 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: GA

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. I am writing regarding the above-referenced account in my credit report ( Account # : XXXX ). Please note that I am not disputing this account. However, I kindly request additional information for my records regarding this account. Specifically, I would like the following details : Date of first delinquency associated with this account. 
Date of the last payment made on the account. 
Date of charge-off for this account. 
I would appreciate your assistance in providing these details promptly in writing. If any additional documents or authorizations are required to process my request, please let me know at your earliest convenience Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: GA

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These hard inquiries are the results 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 2024-12-15 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:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts were not opened by me. I am a victim of identity theft. I have filed a complaint on these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: NJ

Complaint narrative:
XXXX XXXX, son XXXX, dob XXXXthe cfpb complaint has been file to request pursuant to FCRA 605b ( 15 u.s.c 1681c-2 ) that you XXXX reporting agency block information appearing on my consumer report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. this fraudulent, inaccurate information, consists of a personal loan from XXXX XXXX XXXXXXXX XXXX XXXX  opened on XX/XX/year> and account number ( XXXX  ) XXXX I do not recognize the aforementioned account or collection account. this account that is reported by XXXX was not made, initiated or opened by me. the aforementioned account is a result of identity theft and fraud. I have attached a copy of my FTC identity theft XXXX  complaint #, that XXXX of from the FTC that this account 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 2024-12-15 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: NJ

Complaint narrative:
XXXX XXXX, son XXXX, dob XXXXthe cfpb complaint has been file to request pursuant to FCRA 605b ( 15 u.s.c 1681c-2 ) that you XXXX reporting agency block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. this fraudulent, inaccurate information, consists of a personal loan from XXXX XXXX XXXXXXXX XXXX XXXX opened on XX/XX/year> and account number ( XXXX  ) XXXX I do not recognize the aforementioned account or collection account. this account that is reported by XXXX was not made, initiated or opened by me. the aforementioned account is a result of identity theft and fraud. I have attached a copy of my FTC identity theft criminal complaint #, that XXXX of from the FTC that this account is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: KY

Complaint narrative:
CFPB ( Consumer Financial Protection Bureau ) complaint. 

Subject : Complaint Regarding Inaccurate Credit Reporting by XXXX, Equifax, and XXXX Description of the Issue : I am filing this complaint to address inaccurate credit reporting by XXXX, Equifax, and XXXX regarding accounts from XXXX XXXX XXXX, XXXX XXXX XXXX and a student loan serviced by the Department of EducationXXXX XXXX 
XXXX. XXXX XXXX XXXX I sent a Notice of Liability and Self-Executing Default to XXXX XXXX XXXX via certified mail on XX/XX/year>, delivered on XX/XX/year> ( Tracking Number : XXXX ). 
They were given 10 days to respond, but no response was received. Therefore, they are in default, and this account should no longer be reported. 
XXXX. XXXX XXXX A Notice of Liability and Self-Executing Default was sent via certified mail on XX/XX/year>, and delivered on XX/XX/year> ( Tracking Number : XXXX ). 
Again, no response was received within 10 days, placing this account in default. This account should also be removed immediately. 
XXXX. XXXX XXXX XXXX Department of Education/XXXX XXXX I attempted to send a certified Notice of Liability and Self-Executing Default on XX/XX/year>, but the letter was returned as undeliverable on XX/XX/year> ( Tracking Number : XXXX ). 
The address provided by the school was invalid, and I have been unable to properly serve notice. This loan contract was entered into under unconscionable terms and lacked full disclosure of its impact on credit reporting. 
Violations and Requests for Validation : I am requesting that XXXX, Equifax, and XXXX provide the following : XXXX. XXXX XXXX XXXX : Proof that I provided written XXXX consent to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX the Department of EducationXXXX XXXX report this information to the credit bureaus. 
XXXX. Court Orders : Records showing that XXXX XXXX XXXX XXXX XXXX XXXX XXXX or the Department of EducationXXXX obtained a court order from a competent jurisdiction to communicate with me about these debts. 
XXXX. XXXX Compliance : Documentation that XXXX XXXX XXXX, XXXX XXXX XXXX and the Department of Education/XXXX  are adhering to Generally Accepted Accounting Principles ( GAAP ) in verifying the validity of these debts. 
If this information can not be provided, the accounts should be deleted under the Fair Credit Reporting Act ( FCRA ) for failure to verify their accuracy. 
Impact on My Rights : The reporting of these accounts is depriving me of my life, liberty, and pursuit of happiness by negatively impacting my credit score without proper validation. 
Requested Resolution : I request the immediate removal of these accounts from my credit reports, including a rapid rescore by all three credit bureaus. If this is not resolved within 7 days, I will begin assessing damages at {$5000.00} per day per account that remains on my report. 
Thank you for addressing this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: TN

Complaint narrative:
Prohibition on Inclusion of Adverse Information in Consumer Reporting 15 U.S. Code 1681c-3

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