vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Chase credit card Account number XXXX was held in the names of XXXX and XXXX XXXX. XXXX XXXX passed away on XXXX. The credit card account was closed. 
XXXX XXXX changed Homeowners insurance from XXXX to XXXX XXXX and a credit balance of {$2200.00} went to the closed Chase account. Numerous calls ere made to the estate team at XXXX to have the credit balance sent to XXXX XXXX. We were initially told that we would have to wait 90 days. After 90 days, still nothing. We called again and were told to send in a letter requesting the credit balance to be sent to XXXX XXXX at the address on record, XXXX XXXX XXXX, XXXX XXXX XXXX. We were told we would have to wait an additional 30 days. 30 days have gone by, still nothing. We called 10 days ago and they said the check was released and we should receive it in 3 to 5 days. The time has gone by, still nothing. Chase has held our credit balance of {$2200.00} for nearly 5 months. We want it immediately sent to XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX was a named person on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I have received a collection on my credit report from PORTFOLIO RECOVERY. To my surprise, they are reporting this account incorrectly as it is shown as being open as well but also show a balance in the amount of {$1400.00}. Please remove this account from my credit report immediately. Please provide me with a copy of my updated credit report with this removed off. Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XX/XX/XXXX RE : Unauthorized and Fraudulent Inquiries To Whom It May Concern, I am writing to inform you that you are unlawfully reporting fraudulent inquiries on my consumer report that I did not initiate, as required by law. 
Under 15 U.S.C. 1681b ( c ), a consumer reporting agency shall not furnish a record of inquiry in connection with a credit or insurance transaction not initiated by a consumer, except as provided in 15 U.S.C. 1681c. 
The following inquiries are a result of identity theft and were not initiated by me. I demand that they be deleted immediately : Transunion Hard Inquiries FTC Claim Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My identity has been stolen, and I am hereby putting you on notice. 
Under 18 U.S.C. 1028 ( a ) ( 1 ), a person who knowingly transfers possesses, or uses, without lawful authority, a means of identification of another person shall be sentenced to a term of imprisonment of two years. My identity has been used without my permission to open several accounts that have damaged my reputation and my ability to live my life. 
Furthermore, you, [ Credit Reporting Agency Name ], have committed fraud by not verifying these accounts. As stated in 15 U.S.C. 1681b ( b ) ( 1 ), a consumer reporting agency XXXX furnish a consumer report only by the written instructions of the consumer to whom it relates. 
15 U.S.C. 1681 emphasizes the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' rights to privacy. The information you are reporting is inaccurate and has been obtained through identity theft. 
I request that you immediately investigate these unauthorized inquiries and remove them from my consumer report. I also request that you take steps to prevent future unauthorized access to my personal information. 

Sincerely, 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 2024-08-31 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XX/XX/2020 I noticed two Fraudulents inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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:
The bankruptcy dated XX/XX/XXXX does not belong to me. The bankruptcy date XX/XX/XXXX does belong to me but it was discharged in XXXX New Jersey not XXXX XXXX XXXX as they are reporting inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
On XX/XX/year> I got a credit report notice that Capital one had closed my 3 credit card accounts. I never got notified from capital one for any issue at all or that my account was even closed. All I saw was my cards were reported as restricted through the app. 

I have made consistent payments and I called and they told me there system closed my account due to a returned payment. My wifes bank account didn't allow the payment to go through so she transfered me the money and I made the payment. This was an extra payment onto of the monthly minimum. I was told there was nothing I could due to have them reopened even though the payment still went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: OH

Complaint narrative:
I lost my phone I was changing my number when I noticed my account was negative.Someone charged a bunch of charges to my account.so much my account sits minus.I 've be n trying to dispute charges.My name is XXXX XXXX and it is Chime Banking.Chime Banking says it was XXXX XXXX or something like that.thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-08-31 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: SC

Complaint narrative:
In accordance with the Fair Credit Report Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 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 XXXX XXXX XXXX XXXX XXXX, has violated my rights 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 an account without my written instructions.

15 U.S.C. 1681 c ( 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 7 years, 15 U. S.C. 1681 s-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 2024-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
This account is being reported on my consumer report. I have no knowledge about this alleged debt or this collection company. I was never notified about my right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: Thaxton Investment Corporation
State: IN

Complaint narrative:
According to FCRA section 605B, it is illegal to report anything on my credit report without my permission. Please remove this inaccurate information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Attached is XXXX XXXX XXXX. Experian has refused to investigate this account and has now blocked all further disputes. Experian has been given dispute information from the CFPB showing account information is to be removed yet will no longer accept information and will not run dispute as requested. This has been an ongoing issue for the last 12 months as Experian will block disputes or rush disputes through even when provided with disputing information. Its not proof that Experian is not analyzing any dispute information as previously stated

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 2024-08-31 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Attached is XXXX XXXX XXXX. Experian has refused to investigate this account and has now blocked all further disputes. Experian has been given dispute information from the CFPB showing account information is to be removed yet will no longer accept information and will not run dispute as requested. This has been an ongoing issue for the last XXXX months as Experian will block disputes or rush disputes through even when provided with disputing information. Its not proof that Experian is not analyzing any dispute information as previously stated

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 2024-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I asked company to mail me an original copy of the death. They are trying to collect along with account number, etc. not a computer print out, I have asked them for a complete debt validation, Credit card statements, etc..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Resource Systems, Inc
State: MS

Complaint narrative:
TODAY I VERIFIED THAT THIS ACCOUNT THAT I AM REPORTING TO BE BLOCKED AND DELETED FROM MY CREDIT REPORT IS STILL SHOWING AND AFFECTING MY FINANCIAL CREDIBILITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: DISCOVER BANK
State: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
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 non-monetary relief
Consumer complaint received 2024-09-01 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: PA

Complaint narrative:
**Re : Cease and Desist Demand and Dispute of Debt Account Number - XXXX Dear XXXXXXXX XXXX XXXX  I am writing to formally dispute the debt referenced above, which you claim I owe. I request that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I request that you provide : 1. The amount of the debt. 
2. The name of the creditor to whom the debt is owed.

3. A detailed explanation of how the debt amount was calculated.

4. Copies of any documents showing that I agreed to pay the alleged debt.

5. The name and address of the original creditor, if different from the current creditor.

Until I receive this validation, I consider this debt to be in dispute.

Furthermore, under 15 U.S.C. 1692c ( c ) of the FDCPA, I formally demand that you cease all communication with me regarding this alleged debt. This includes phone calls, letters, emails, or any other form of contact. The only exceptions are communications required by law, such as the validation of the debt as requested above.

Please be aware that failure to comply with this cease and desist demand may result in legal action against your company. I expect your immediate compliance with this demand and that all collection activities cease immediately.

Thank you for your 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 explanation
Consumer complaint received 2024-09-01 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: TX

Complaint narrative:
I am filing this complaint to ensure that the consumer reporting agencies receive my notice of dispute regarding personal identification information. The information they have on file is inaccurate. That includes XXXX inaccurate social security numbers, multiple irrelevant and inaccurate addresses, and inaccurate names.

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 2024-08-31 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: TX

Complaint narrative:
On XX/XX/year> my credit score was greatly reduced out of thin air and for no reason at all by at least Equifax and XXXX. I was given a XXXX point deduction by at least both of these companies. Looking at my credit report and calling the only credit card company that I use they even agreed that they did not know why my score was affect as I have an excellent rating with them. There is no reason for this adverse action to have been taken and I want it undone ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: Affirm Holdings, Inc
State: RI

Complaint narrative:
I am writing regarding an ongoing issue with inaccurate information reported by Affirm , Inc. on my credit report. As you may be aware, I previously disputed this information, and Affirm ruled in my favor, confirming that the reported information was incorrect.

However, despite this favorable ruling, the inaccurate information remains on my credit report due to either an outdated or erroneous statement provided by Affirm to the credit reporting agencies. This incorrect reporting is unjustly damaging my creditworthiness and causing significant distress.

To resolve this matter amicably and avoid further escalation, I am proposing the following settlement : 1. Immediate Correction or Deletion : I request that Affirm immediately update or delete the inaccurate information on my credit report with all credit reporting agencies.

2. Written Confirmation : I request written confirmation from Affirm that the necessary corrections have been made and that no further inaccurate information will be reported regarding this account.

3. Expedited Handling : Given that Affirm has already ruled in my favor, I request that this matter be treated as a priority and resolved within 14 days of receipt of this letter.

Please be advised that I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Rhode Island Fair Credit Reporting Act ( RIFCRA ). I have also consulted with an attorney regarding this matter. If this issue is not resolved promptly, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory bodies. Additionally, I am considering legal action to enforce my rights and seek damages for any harm caused by this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
For almost one here now Ive been arguing with synchrony XXXX that they open without my permission asking them to provide documentation they tell you guys that they provide a documentation. They did not even call or send me a letter of no documentation. They are keeping this fraudulent account open and look in the money from me. I need legal action to know to be taken against synchrony Bank.

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 2024-08-31 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: NY

Complaint narrative:
PLEASE DELETE OR UPDATE LATE PAYMENT TO PAID ON TIME PURSUANT TO 15 USC 1666b- A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Paystub attached for proof of address at the bottom/ date at the bottom

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PLEASE DELETE OR UPDATE LATE PAYMENT TO PAID ON TIME PURSUANT TO 15 USC 1666b- A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Paystub attached for proof of address at the bottom/ date at the bottom

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 2024-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX put a collections on my Experian credit report. The service I received from them was a government internet service that cost me {$0.00} a month since I am XXXX and on XXXX, XXXX, and XXXX XXXX. Also Experian has not taken off the inquiries nor the other collections I have on my credit report with 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 non-monetary relief