vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: MN

Complaint narrative:
I must say that the name may be spelled wrong, because all of my attempts to get the correct spelling failed. 
i called XXXX XXXX XXXX this morning because another complex where i am seeking to move told me that there was a debt collection issue that needed to be addressed ( in case theres more than one apartment named as such, the address of the property is XXXX XXXX XXXX XXXX XXXX, XXXX, GA ) two things are worth noting here : 1- XXXXXXXX XXXX XXXXXXXX somehow remembered me, for whatever strange reason. moving on. 
2- Once she realized who i was, all amicable conversations stopped. 
I dont know if that is the same lady who worked at the leasing office when i was moving out, but if it is, thats even better. because, according to her, i am being charged for a list of things that never occurred. I have a gang of witnesses, due to the fact that i had to leave on a day that suited their availability to help me move out, and they will laugh at the list of damages claimed by XXXX XXXX XXXX 
Now, to the matter of eviction, i made it very clear when i was leaving, why i was leaving, and they threatened me, claiming that they would call the law on me. i called their bluff and left anyway. almost a year later, im finding out that i have an eviction on me. 
i never got one piece of correspondence from them. i have XXXX, XXXX XXXX, and other subscriptions to help me tract my finances, and i never even knew. 
heres my complaint here : i called this morning to inquire on the issue of eviction. while were on the phone, she mentioned the damages, which prompted me to ask more on the damages. like i said, there were NO DAMAGES! none by me. the place is not a XXXX, but thats how far im willing to vet it. 
once XXXX XXXX  ( could be XXXX or whatever, the property manager, that title which she boasted out ever so proudly! ) her! once she figured out the reason of my call, she attacked me, telling me that she remembered me i can not make this XXXX XXXX please tell me what and whom to come tact next. i am NOT paying for XXXX. i didnt live there. i payed for my stay and dashed once the city water started creeping into the kitchen, in the middle of cooking. next!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Purchased Windows to be fabricated and installed by XXXX XXXX. XX/XX/XXXX the team was at my house to start the install. During the install it was obvious that what was fabricated was not what I had ordered. Every window had an extra 1.5 inch frame which reduced the glass by at least 3 inches. Some windows were fabricated with a different grid pattern, some were way to large to be installed, all were far too small and required at least 2 inches of caulk to fill the gap. All of the windows facing the XXXX leaked when it rained. What did get installed, they installed over the rotted wood. Every window was fabricated with the grid being XXXX inches from the side, which caused the XXXX inch windows to look like jail cells. My kitchen window was so bad they weren't even in disagreement. My foyer had XXXX windows of which I had a picture window fabricated. They left the frame which had grooves on the top and the bottom of the window, where the T was. They expected me to patch it with paste, and stain it, with the understanding it is in a foyer on the second floor. After 7 months of them coming out to my house, they still had no solution. I instructed them to cancel the install, process a refund and I would purchase from another company. XX/XX/XXXX I requested XXXX XXXX be at my home to remove the partially installed windows the same day the new company would be installing. XXXX reps from XXXX XXXX came to my home XXXX weeks later to pick up the windows and I instructed them that I had left the rotted frames on all of the windows to show management. XXXX XXXX has refused to process a refund to this date.

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 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Our company account was randomally closed this week with over XXXX in it AND pending deposits and transfers. They then " reversed '' payments to all our financial institutions and payroll and caused closed accounts stating NSF which was not true- there is now over XXXX in that account after everything and they refuse information other than " account closing '' - I want my XXXX ASAP and they have not offered any help via chat, phone or in person. please assist

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 monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: VA

Complaint narrative:
I settled this in a CFPB complaint ( XXXX ) earlier this year ( XX/XX/2023 ). 

All 3 bureaus removed the incorrect debt in XX/XX/2023. XXXXXXXX added it back within a month ( XX/XX/2023 ) because the credit holder filed under another debt collection agency. When I called the debt collection agency to let them know this had been settled already through a CFPB complaint AND cease and desist letter they said they couldn't have the conversation with me without providing the information needed to verify my identity. CONVIENTLY the information needed ( my address ) is the same information I know the credit holder has incorrect. I know it's incorrect because I haven't received anything in the mail before it hit my credit report again in late 2023. Even on this website, it's asking me to confirm my social security number or the account number. WHY would I give my social security number to a company that would never have my social security number in the first place? I don't have an account number because I never received anything in the mail before this was added back to my record. These tactics are unlawful and irresponsible. How is this getting added to my credit report without this information in the first place?

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 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Tilt Finance, Inc.
State: NJ

Complaint narrative:
On XX/XX/2023 I requested to have my Empower.Me account closed and was told that I will have to wait for the XXXX until the funds would settle. It's been over a month now. When will my funds be returned to me? 
Every time I call or send an email, I am constantly given the same lame response, " We promise that we've received your message and we'll get back to you as soon as we can. '' or " I will escalate your case. '' I haven't received any response in regards to my funds. This company is trying to rob me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: MS

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: FL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: MD

Complaint narrative:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: NY

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without 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 2023-12-18 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: IL

Complaint narrative:
I did not give permission to be an Authorized user on this account XXXX XXXX I did not Authorize or want to be an authorized user. please remove this account from my credit report,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: I.C. System, Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an ongoing issue regarding inaccurate collections accounts on my credit profile. I have previously disputed these accounts approximately 60 days ago, but they have not been removed or corrected. 

I C System {$780.00} XXXX XXXX  {$520.00} I believe that these inaccuracies are adversely affecting my creditworthiness and financial standing. Despite my efforts to rectify the situation through the dispute process, the collections accounts persist on my credit report. 

I kindly request your assistance in investigating this matter and facilitating the prompt removal of the inaccurate collections accounts from my credit profile. 

Your prompt attention to this matter is greatly appreciated. If you require any further information, please do not hesitate to contact 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 2023-12-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

XXXX. I never late on this account XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. I never late on this account XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This charge off account does not belong to me. I never have any financial obligation with this company XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This collection does not belong to me XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This collection does not belong to me XXXX Account Number : XXXX Please remove it from my credit report. 


Thank You Sincerely yours, 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 non-monetary relief
Consumer complaint received 2023-12-18 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: FL

Complaint narrative:
In the beginning of XXXX, my account was closed for no reason other than to be investigated. There were no findings I was told on call XXXX but yet XXXX calls in, I was told the last 5 times to expect payment in certified mail. I have received nothing. it is over XXXX. I am waiting on. I would like an immediate answer and my money to be sent ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX and I'd like to file a complaint against XXXX, Transunion and XXXX and all the secondary bureaus. They have my or had my complete consumer file under the wrong name alltogether. Under the provisions made by the Fair Credit Reporting Act, I have the right to accurate reporting of any and all information pertaining to me. With that being said, I'm requesting that : XXXX ) My name is uptated on all XXXX bureaus. 
XXXX ) That ALL accounts that report any name other than mine : XXXX be removed immediately please. These account are not mine and I have for way too long suffer the consequences of inacurate reporting which has negatively affected my life and that of my wife and XXXX children. 
XXXX ) There are list of XXXX loans that are questionable and I'd like to have them investigated and removed if there's any inacurracy. 
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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX and I'd like to file a complaint against XXXX, XXXX and Experian and all the secondary bureaus. They have my or had my complete consumer file under the wrong name alltogether. Under the provisions made by the Fair Credit Reporting Act, I have the right to accurate reporting of any and all information pertaining to me. With that being said, I'm requesting that : XXXX ) My name is uptated on all XXXX bureaus. 
XXXX ) That ALL accounts that report any name other than mine : XXXX be removed immediately please. These account are not mine and I have for way too long suffer the consequences of inacurate reporting which has negatively affected my life and that of my wife and XXXX children. 
XXXX ) There are list of XXXX loans that are questionable and I'd like to have them investigated and removed if there's any inacurracy. 
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 explanation
Consumer complaint received 2023-12-19 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: MS

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Florida XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

1. The following account is not mine XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

2. The following account is not mine XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account is in F.C.R.A violations to report Late payment history on Collection/Charge off the account. In addition, these late payments are completely an error because they didnt follow the chronological order of days late timeline. I demand this account to be removed as theyre proven as completely inaccurate. 

XXXX. This charge off account does not belong to me. I never have any financial obligation with this company XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This charge off account does not belong to me. I never have any financial obligation with this company XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This charge off account does not belong to me. I never have any financial obligation with this company XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This charge off account does not belong to me. I never have any financial obligation with this company XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. I never late on this account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This charge off account does not belong to me. I never have any financial obligation with this company XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This collection does not belong to me XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Thank You Sincerely yours, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: NY

Complaint narrative:
My Experian credit report showed a debt in collections to XXXX. I never owed XXXX money. I disputed with Experian. They removed the item from my report. But now, months later, the company XXXX XXXX XXXX ( XXXX ) provided a credit report to a potential landlord, and the report included the same debt in collections that was removed from my Experian report. It looks like XXXX got the report from XXXX. My complaint is that I dont even know who all has this incorrect collections item under my name, and I should not have to call up the furnisher and other credit bureaus to fix it. Experian, the furnisher, or both have illegally failed to propagate the results of the dispute.

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 2023-12-18 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 am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Previously, I filed a complaint against chase bank with the Fed Reserve Bank, because chase bank denied a corporate credit card for and under the startup program, stating, my income was below XXXX . Start up program should not require any income, then it won't be startup anymore. It appears Chase bank also took off the start up program off their website. I applied for it before than that. This is illegal. Office of Comptroller of the Currency case no is XXXX. ( FRB did nothing and transferred the case to office of the comptroller of the Currency ). Now, I found out that chase bank has manipulated the opening account records of my credit card no XXXX and the umbrella credit card account no ending in XXXX. This is very suspicious. Obviously, chase bank did that to hide the credit card accounts opening dates records for the corporate credit card, that is mentioned above. Which chase bank denied. This is suspicious and illegal activity by chase bank. Moreover, when I asked the chase bank 'when would the promotional 0.oo % APR offer would end on these two credit card accounts ending in XXXX and XXXX ''. Chase Representative said, he does not see any promotional offers. And obviously, chase bank has not been charging any interest, because there were 0.00 % APR offers on these credit cards accounts. This means chase bank has manipulated the credit card records so much, that they do not see the original records properly anymore. Chase bank did all that just to deny the corporate credit card issuance. This is illegal activity by such a large bank. Chase bank Representative told me that accounts ending in XXXX and XXXX were opened on XXXX of XXXX, XXXX. Chase bank lied. XXXX account was opened in XXXX. XXXX account was opened 4-5 months ago in XXXX. 
Chase bank needs to issue the corporate credit card, and straighten out the other credit cards account opening date records.

Company response to consumer: Closed with explanation