vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 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: CA

Complaint narrative:
I submitted documents for the bureaus to remove some fraudulent accounts from my credit report because i was a victim of identity theft. I got an email stating that they were not going to block the accounts because i wasnt the one making the complaint. Well if im not doing it then who is? They are required to block and remove fraudulent accounts.

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 2024-01-23 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 submitted documents for the bureaus to remove some fraudulent accounts from my credit report because i was a victim of identity theft. I got an email stating that they were not going to block the accounts because i wasnt the one making the complaint. Well if im not doing it then who is? They are required to block and remove fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
XXXX XXXX Chase sent me {$900.00} offer for opening both checking and saving accounts. The email offer said the coupon code applied when I click " Open both accounts '' link, so I opened them by clicking it. In particular, during the opening process, there was no indication of the missing code, and they never asked me to manually enter the code either. So I assumed that the code was successfully applied. 

Then I satisfied all the activities they asked me to fulfill to get the {$900.00} bonus : 1 ) set-up direct deposit for checking account, which occurred XX/XX/XXXXXXXX XXXX ) deposit {$15000.00} for saving account. 

XXXX XXXX I contacted Chase because the first portion of the offer, which is {$300.00}, didn't take place yet although they said it would be deposited within 15 days. I had waited because I assumed that it might mean 15 " business days '' after the direct deposit occurred on XX/XX/XXXX. However, they said " on our record shows that this account is not eligible for cash bonus because there was no coupon code attached. Even if we will try to attach a code, you're account is no longer applicable for the bonus due to it's already more than 21 days old. '' I told them I exactly followed their instruction in the offer email, but they repeatedly said they were not able to fix this. I wanted to escalate this case but I didn't receive any solution from Chase yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: LEXISNEXIS
State: GA

Complaint narrative:
I disputed a social security number on my LexisNexis consumer report I did not recognize on XX/XX/2023. A LexisNexis customer service representative said the social security number should be removed from the report since I am a US citizen, and should only have one social security number. I received a copy of the dispute on XX/XX/2023, and the wrong social security number was still listed on my consumer credit report number XXXX ; case number XXXX. When the investigation was concluded the customer service representative could not explain why the wrong social security number was not removed from my credit report. She said to call back and that it would be re-disputed. The wrong social security number on my LexisNexis report ends in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: Credit Karma, LLC
State: CA

Complaint narrative:
1. 
XX/XX/XXXX, XXXX Credit Karma- emailed " Change of Email Address Notification from Credit Karma ''. 
XX/XX/XXXX, XXXX I responded in an email that I did not authorize this change. 
XX/XX/XXXX, XXXX I received an email response from Credit Karma Member Support ; Case # XXXX [ ref :! XXXX.! XXXX : ref ] stating they received my email and stated they will " suspend the account '' if I do not recognize the email that was changed. 
XX/XX/XXXX, XXXX I responded to this email stating '' That is not an email I authorized for use or have knowledge of etc.. ''. I have not heard anything back from this company. 

2. XX/XX/XXXX, XXXX I received 2 notifications from my banking institution that I had a " New Inquiry '' from XXXX  XXXX XXXX  . 
XX/XX/XXXX, XXXX I contacted this company and spoke with XXXX- she stated that there was no inquiry she could see on her end nor is there an account associated with my name and information I provided her. She advised me to send a letter stating that an inquiry is being reported on my credit report and to send it to : Correspondence Customer Service XXXX XXXX XXXX XXXX XXXX, NV XXXX 3. XX/XX/XXXX, XXXX- I called XXXX and XXXX advised me to report this fraudulent activity to the FTC . I am in the process of contacting XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-01-22 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: FL

Complaint narrative:
After looking through my credit report I saw some hard inquiries that do not belong to 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 non-monetary relief
Consumer complaint received 2024-01-23 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: LA

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. 

Account Name : XXXX CHILD SUP Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: PA

Complaint narrative:
I am writing to formally dispute certain hard inquiries that have appeared on my credit report. I recently obtained a copy of my credit report from your agency and was alarmed to discover the presence of these unauthorized inquiries. Please see letters for the inquiries that I am referring to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: PA

Complaint narrative:
I am writing to formally dispute certain hard inquiries that have appeared on my credit report. I recently obtained a copy of my credit report from your agency and was alarmed to discover the presence of these unauthorized inquiries. Please see letters for the inquiries that I am referring to.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Spoke with a person at equifax about a fraud case and the person denied me the ability to dispute my case they just told be to contact the credited company that she could not help..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Re : Complaint Against Central Portfolio Control Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Central Portfolio Control regarding their handling of a reported XXXX  collection on my credit report. The details of the issue are as follows : Company Name : Central Portfolio Control Nature of Complaint : Central Portfolio Control has reported a XXXX  collection on my credit report that I do not recall and have no knowledge of. 

Communication with Central Portfolio Control : On XX/XX/year>, at approximately XXXX XXXX, I received a call from Central Portfolio Control regarding an alleged debt. I promptly requested verification of the debt under the Fair Debt Collection Practices Act ( FDCPA ). The representative informed me that they had already sent it out once, but I have not received any such documentation. 
Despite my request for them to resend the verification, the representative declined, leaving me without any proper information about the debt in question. 
I reiterated to the representative that I do not recall the debt and requested proper documentation, citing my rights under the FDCPA. However, my request was consistently denied, and I was not provided with the necessary verification. 

Request for Resolution : I request that Central Portfolio Control provides clear and verifiable documentation of the alleged debt, including details such as the original creditor, the nature of the debt, and any supporting information. 
I also request that Central Portfolio Control rectifies the inaccurate reporting on my credit report by promptly removing the disputed item Additionally, I request confirmation in writing that the reported debt has been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX XXXX, 2023 I made a purchase of almost {$2000.00} through PayPal 's 4 installment plan. Instead, PayPal, without my authorization, automatically opened a PayPal Cash Back XXXX XXXXXXXX XXXX XXXX in my name, and placed the charge on that credit card. I have not received the card, nor have I activated the card as requested on the PayPal website. 

I phoned the PayPal Fraud Department, and they indicated they would investigate and report the issue to the " credit bureau. '' I attempted to explain that that the product was purchased under the 4 payment plan, but I gave no authorization and made no application for a PayPal credit card, or for the use of one.

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 2024-01-23 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: NJ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: CA

Complaint narrative:
SallieMae loan company stated to me directly on XX/XX/year> that they purchased information about me from the internet to contact family members and friends who are not associated to me other than last name about my loan. These people have never had any influence in my personal/professional/educational life, however have contacted me after receiving phone calls regarding information about me and my loan/financial institution, making it clear that they are disclosing information to other people. They contact me regularly, even after conversing about the reason for non-payment and I receive one call a day every day. The longest period without contact was 5 days from the last time I spoke with this lender about my financial health.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I received 3 separate emails stating that I had opened 3 checking accounts with Ally Bank. I never opened any accounts with them. I called several times and basically received the runaround. Today I received a letter from Ally stating that these accounts were now restricted due to unusual activity on XX/XX/year>. I called their fraud department and again was given the runaround and the person I spoke to was very vague and stated it would take 30 days to review and someone would call me back. I am very upset that 3 accounts were opened in my name without my permission.

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 2024-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I were charges a " security fee '' i was unaware that this was on my accounts. I wanted a refund on this and i was told i paid in over XXXX XXXX and they said they would only give a refund of XXXX on one card and XXXX on the other. This was something that i was unaware that i had i was under the impression it was an interest fee this was NOT something that i wanted and i want the money returned. It was in the agreement buried that was auto clicked that apparently would need to deselect. This fee then accumulated interest that made it so my balance never went down casing hi credit utilization that was almost impossible to get down making it reflect poorly on my credit score/loan applications. This is a very shady and predatory. They state that they will call back no calls back. I am writing this complain to hopefully get this resolved prior to my appt. with an attorney.

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 2024-01-23 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 have been a victim of identity theft. Equifax violated my rights and shared. furnished and sold my non-public information without my consent this is deemed identity theft. Please remove these items asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I had fraudulent charges for an amount of {$37.00} in XXXX of 2023 on my Barclay 's credit card I have been trying to have them removed only to get a run around from the company with them now adding late fees for that amount

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 2024-01-22 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: FL

Complaint narrative:
Equifax is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I did not benefit from the transactions. I sent Equifax written correspondence which included my proof of identity, an identity theft report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within XXXX business days of receiving my notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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:
Over 60 days ago I have been contacting these consumer reporting agencies as they are accessing and reporting and furnishing information that I NEVER authorized. I demand the following inquiries hard and soft be removed immediately as they are reporting and furnishing information that i NEVER authorized. They are causing me damage, harm, and illegally reporting and furnishing information without my consent. They owe me violation fees for illegal use of my Credit file. I need you CFPB to make sure they get these inquiries that I never consented to removed and deleted immediately. They are not complying and I am suffering from stress and harmful anxiety caused by these non affiliated corporations and they are abusing me and my information. 

I need the following inquiries to be deleted and removed from my credit file and I need my file updated as I have instructed below. I am tired of the abuse of these corporations and companies violating me and my rights. This is against the LAW. 

Delete NOW!!! 
I NEVER CONSENTED TO ANY OF THESE INQUIRIES. MY information and informed use of credit has been illegally accessed. BY law Every single PERSON Must have my Written consent and permissible purpose and my signature from me allowing these reportings and transactions, which I NEVER gave them. They MUST send me a copy of ALL the transactions and letters proving that I consented to XXXX, Equifax, and XXXX. They Must provide me a copy of ALL transactions accompanied with my written letter and my written consent to furnish my information. If they do not have a copy then they are in breach of contract, committing securities fraud, and I will check my file and if they are not removed as i have requested, I will also be notifying the IRS for their illegal and bad business practices : Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation