vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlantic Recovery Solutions LLC
State: CT

Complaint narrative:
On XX/XX/XXXX I was contacted by Atlantic Recovery and told the debt was a joint XXXX XXXX account with myself and my husband. I was awaiting a call from my hospital to go in for an induction and thought this was a scam as I do not have a XXXX XXXX account. I told the caller I didnt know what he was talking about and hung up. I blocked the number so I could focus on waiting for my hospitals call. 

The man called back and got sent to voicemail. In the voicemail he said XXXX can thank you for putting him in this position and we wish you guys the best of luck come XXXX morning. I found the voicemail XX/XX/XXXX and called the company back XX/XX/XXXX and spoke to a different employee. He confirmed it is not a joint account. From my understanding its illegal to lie about me being on the account and his voicemail seemed threatening as well. My husband also said he never spoke to this company and doesnt remember having a XXXX XXXX card so hes unsure if its a valid debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
On XX/XX/XXXX, I opened a new Checking Account with First Horizon Bank in XXXX in XXXX under a promotion that I received via email. The promotion offered a {$450.00} bonus for making qualifying direct deposits totalling at least {$1000.00} within 90 days of account opening, payable within XXXX business days after qualifying activities, which include keeping the account open for 90 days. Ten business days from 90 days after account opening would have been XX/XX/XXXX. I made several direct deposits into my account totalling more than {$1000.00} within the first 90 days, detailed below. On XX/XX/XXXX, I reached out to the Bank XXXX, XXXX XXXX, who opened the account for me. He agreed my incentive was overdue. He said he sent an email to their promotions department. 

Here 's the timeline of events : XX/XX/year> - Account Opening Here are a few Direct Deposits totalling over {$1200.00}, though I had several more : XX/XX/year> - {$220.00} XX/XX/year> - {$120.00} XX/XX/year> - {$430.00} XX/XX/year> - {$29.00} XX/XX/year> - {$380.00} XX/XX/year> - XXXX business days after 90 days from account opening, no reward, called XXXX XXXX who said he will send an inquiry XX/XX/year> - Emailed XXXX XXXX to follow up, no response XX/XX/year> - Tried calling XXXX, no luck, called Customer Service XXXX. Customer Service rep XXXX said the Promo code was not in my application, to which I replied that upon account opening, I asked XXXX XXXX explicitly to make sure the promo code was entered. She sent a detailed message to XXXX. Later in the day, I got a hold of XXXX who said he put the promo code in but that it was not transmitted to another system. He said he was in touch with their Promo Dept and that I am in the queue for resolution XX/XX/year> - Sent a secure message on the XXXX site to follow up, no response XX/XX/year> - XXXX was not returning my calls so I called the main branch number and insisted on talking to XXXX. XXXX just said he was taking it up with the XXXX XXXX. It's been ONE FULL WEEK since we last talked when he said they are working on a resolution, and TWO WEEKS past the last day for fulfillment of the reward according to the promo terms

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to use my JP Morgan Commercial Credit Card for a purchase of {$96.00} at XXXX XXXX via XXXX XXXX, but the transaction was declined. The staff advised me to inform the credit card company if the charge appears at the end of the month. In the meantime, a member of my group stepped in and used her credit card to cover the cost. They stated that the payment issue may be a XXXX issue. 

Subsequently, JP Morgan contacted me to discuss the payment and requested the receipt from the other persons transaction. I provided that information, yet they insisted on obtaining the other persons credit card statement to verify that the payment had been settled. This request is unacceptable ; it infringes on her privacy. The receipt clearly shows that payment was made, and it should be sufficient for their record. I even reached out to XXXX XXXX and they said they could not do anything because it does not show up on their credit card machine and they can not view the XXXX XXXX  account. 

It is fraud for me to pay for something that I did not receive, it was acknowledged by the XXXX XXXX  that the payment did not go through, I have showed the receipt that the order was paid by another person 's credit card. Yet JP Morgan still wants payment.

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

Complaint narrative:
I sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further delay.

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 2024-12-12 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: MD

Complaint narrative:
I sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further delay.

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 2024-12-12 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:
I am writing to inform you that I am a victim of a data breach and, as a result, fraudulent accounts have been added to my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts, which were compromised due to this breach. These accounts are unauthorized, and I ask that they be removed from my credit report. 
Accounts to be Blocked and Deleted XXXX. XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} 2. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXXXXXX XXXX  Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account XXXX XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$25000.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX Reported : XXXX XXXX, XXXX Amount : {$0.00} XXXX. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$2100.00} XXXX. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXXXXXXXXXXXXXXX Reported : XX/XX/XXXX Amount : {$25000.00}

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

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and, as a result, fraudulent accounts have been added to my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts, which were compromised due to this breach. These accounts are unauthorized, and I ask that they be removed from my credit report. 
Accounts to be Blocked and Deleted XXXX. XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account XXXX XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$25000.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX Reported : XXXX XXXX, XXXX Amount : {$0.00} XXXX. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$2100.00} XXXX. XXXX XXXXXXXX XXXX  Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXXXXXXXXXXXXXXX Reported : XX/XX/XXXX Amount : {$25000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: CA

Complaint narrative:
under 15 U.S. Code 1681i ( a ), I have the right to request an investigation of disputed information. I am demanding proof of the investigation that took place, including documentation of the permissible purpose for these inquiries and the name of the person or entity who authorized them. If this evidence can not be provided, the inquiries must be removed immediately.

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

Complaint narrative:
I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these items were fraudulently opened or conducted in my name without my authorization. 
The fraudulent accounts and inquiries are as follows : Accounts : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$590.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$120.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX - {$800.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$660.00} XXXX. XXXX XXXX XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$4700.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$7400.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$2200.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$540.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$7400.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$540.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2100.00} XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$810.00} Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/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 2024-12-12 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-12 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: TX

Complaint narrative:
There are several inaccurate accounts listed on my credit report that do not belong to me. This situation is both unjust and alarming, as I have not authorized or participated in any of the activities linked to these accounts. If this matter is not investigated and corrected promptly, I will be forced to pursue legal action.

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX ... XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... 

Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-12 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
Formal Complaint Against XXXX XXXX for Reporting Inaccurate Information on My Credit File I am writing to formally file a complaint regarding inaccurate information being reported by XXXX XXXX to my credit file. I believe these discrepancies may be in violation of the Fair Credit Reporting Act ( FCRA ). The inaccuracies specifically involve incorrect reporting of account balances and the failure to provide required tax documentation for a written-off debt. 

The discrepancies are as follows : Incorrect Account Balance : XXXX XXXX has reported an incorrect balance on my account, which does not accurately reflect the amount owed or the actual status of the account. 
Failure to Provide Form 1099-C for Written-Off Debt : Despite the fact that the debt associated with the account was written off by XXXX XXXX, I have not received the required 1099-C form for tax reporting purposes, as mandated by the IRS. 
I have made several attempts to resolve these issues directly with XXXX XXXX. I have contacted their customer service team multiple times and submitted written disputes requesting the correction of the account balance and the issuance of the appropriate 1099-C form. Unfortunately, despite these efforts, the inaccuracies have not been rectified, and the incorrect information continues to negatively affect my credit report and financial standing. 

As this situation has caused significant harm to my creditworthiness, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure that XXXX XXXX complies with its obligations under the FCRA, including the accurate reporting of information to credit reporting agencies and the timely issuance of the 1099-C form for written-off debt. 

Please let me know if you require any further information or documentation from me to assist in your investigation. I look forward to your prompt response and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-12-12 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: CA

Complaint narrative:
I XXXX XXXX XXXX male born XX/XX/XXXX, in XXXX XXXX California information was stolen while incarcerated. From 1995-2021 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EQUIFAX ) credit reporting agency, remove these accounts is the result of identity theft and fraud, remove all listed inquires and accounts within XXXX business days of you receiving this complaint. XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account number # XXXX Date opened XX/XX/XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX  XXXX inquiry XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX remove this address.These inquires and accounts have resulted in several fraudulent activity appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, inquiress, collections, 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 # ( FTC Report Number :, XXXX XXXX XXXX Police Report XXXX ) US MARSHALS and 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