vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: VA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on 09/01/2024, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MD

Complaint narrative:
Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 15 U.S.C. 1692c ( c ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address and my XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: SC

Complaint narrative:
This account has been paid in full since XX/XX/year> mohela has consistently reported to the credit bureaus every month as if I owe. XXXX never sent me a letter I was notified by student aid.gov I went in mohel as websit in my messenger and thats when I saw the letter that I have attached on XX/XX/XXXXXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/XXXX, after much research on our best options for a new CC, my husband and I opened a Chase Freedom Unlimited credit card which was supposed to include a {$250.00} sign up bonus after spending {$500.00} in the first 3 months. We have spent well over {$500.00} and have never seen the expected {$250.00} bonus - not in the form of a statement credit, and not in the form of points added to our balance on the card. 

Our first purchase was made on XX/XX/XXXX, and now that we are past the 90 days mark since that initial transaction occurred, I reached out to Chase on their " secure message '' feature on the website to inquire when we should expect the funds. I was told that we were never to receive them, that the only sign up perk on this card was 1.5 % additional earnings on all spends up to $ XXXX in the first 12 months. 

I replied back and advised that this was meant to be IN ADDITION to the {$250.00} sign up bonus when we applied... when we signed up we were promised the same bonus that is currently being extended - screen shots attached for reference. 

I replied again advising this is incorrect and that the whole reason we chose the Chase Freedom card was because they were extending an offer for both {$250.00} AND the 1.5 % additional earnings .... They replied again today accusing me of trying to get a " richer offer '' and saying that the only offer extended to me is the 1.5 % additional earnings offer. 
I have looked into this online and found MULTIPLE members complaining of the same experience with Chase when signing up for a new card and then not receiving the bonus that was originally offered on the promotion at the time they applied for their credit card through Chase. I let Chase bank know in my most recent message response that I would be contacting the CFPB to help spread awareness so that future members do not find themselves in this same position.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
My Information was obtained and used to create accounts without my permission or knowledge. I would like to have this removed so I can move forward with my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: AZ

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I have already pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you, I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove altogether. Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditors. 
Complete payment history on this account, to prove that the amount you wish to collect is correct I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: OH

Complaint narrative:
I am writing to formally dispute multiple accounts reported on my credit file due to suspected identity theft. These accounts are not mine, and I believe they were opened fraudulently using my personal information without my consent or authorization. 
The following accounts are being disputed : XXXX. XXXX * Account Number : XXXX * Credit Bureaus : XXXX XXXX XXXX XXXX. XXXX * Account Number : XXXX * Credit Bureau XXXX Equifax XXXX. XXXX * Account Number : XXXX * Credit Bureau : Equifax XXXX XXXX XXXX * Account Number : XXXX * Credit Bureaus : All three bureaus XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX * Credit Bureaus : XXXX XXXX XXXX I have contacted the respective credit bureaus ( XXXX, XXXX XXXX and Equifax XXXX and reported the suspected fraud, but I am seeking your assistance to ensure that these accounts are investigated under the protections afforded to me by U.S. law.

As part of my dispute, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ) ( 15 U.S.C. 1681c-2 ), which require the credit bureaus to promptly investigate any disputed information that is reported on my credit file.

Furthermore, the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) provides specific protections for individuals whose identities have been stolen, ensuring that fraudulent accounts are removed and not held against the victim 's credit.

I have attached a copy of my Identity Theft Report ( FTC report or police report, if available ), as well as supporting documentation that demonstrates my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: OH

Complaint narrative:
I am writing to formally dispute multiple accounts reported on my credit file due to suspected identity theft. These accounts are not mine, and I believe they were opened fraudulently using my personal information without my consent or authorization. 
The following accounts are being disputed : XXXX. XXXX * Account Number : XXXX * Credit Bureaus : XXXX XXXX Experian XXXX. XXXX * Account Number : XXXX * Credit Bureau XXXX XXXX XXXX. XXXX * Account Number : XXXX * Credit Bureau : XXXX XXXX XXXX XXXX * Account XXXX : XXXX * Credit Bureaus : All three bureaus XXXX. XXXXXXXX XXXX  * Account Number : XXXX * Credit Bureaus : XXXX XXXX Experian I have contacted the respective credit bureaus ( XXXX, Experian XXXX and XXXX XXXX and reported the suspected fraud, but I am seeking your assistance to ensure that these accounts are investigated under the protections afforded to me by U.S. law.

As part of my dispute, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ) ( 15 U.S.C. 1681c-2 ), which require the credit bureaus to promptly investigate any disputed information that is reported on my credit file.

Furthermore, the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) provides specific protections for individuals whose identities have been stolen, ensuring that fraudulent accounts are removed and not held against the victim 's credit. 
I have attached a copy of my Identity Theft Report ( FTC report or police report, if available ), as well as supporting documentation that demonstrates my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
My Information was obtained and used to create accounts without my permission or knowledge. I would like to have this removed so I can move forward with my life.

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 2024-11-21 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 Information was obtained and used to create accounts without my permission or knowledge. I would like to have this removed so I can move forward with my life.

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 2024-11-22 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: GA

Complaint narrative:
I've recently pulled my credit report and have noticed a few inquiries that were not authorized. I've been a victim of identity theft and have filed a report with FTC that I will attach. The following inquiries were not authorized 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: GA

Complaint narrative:
I've recently pulled my credit report and have noticed a few inquiries that were not authorized. I've been a victim of identity theft and have filed a report with FTC that I will attach. The following inquiries were not authorized ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-11-21 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: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-11-21 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:
As a victim of identity theft, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which mandates that all fraudulent information must be blocked and removed from my credit report within four business days of notification to the credit bureaus. I have taken the necessary steps to report this fraudulent activity ( XXXX XXXX XXXX XXXX including filing a report with the Federal Trade Commission XXXX FTC ) and notifying the credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I have an online savings account with Barclays to which my access has been blocked by the bank. 

The Barclays bank merged customer accounts by merging the credit card accounts and deposits accounts and created trouble Barclays created a trouble ticket XXXX XXXXXXXX and do not have the timeframe for the resolution. 

The access to the funds have been blocked thus restricting the ability to do any transactions including withdrawals and deposits. 

An important things that needs to be noted that Barclays savings account is only an ONLINE SAVINGS account and that there are no ATM or Debit cards, or bank branches or checks through which the transaction can be made.

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 2024-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I am writing to formally address my ongoing concerns regarding the debt claimed by Portfolio Recovery Associates. On XX/XX/year>, I sent a cease and desist letter, after which I was contacted by XXXXXXXX XXXX XXXX XXXX XXXX 

Since then, I have made over a dozen requests, both via email and certified mail, for documentation proving the validity of the debt. Despite my efforts, they have been unable to provide any legal documents demonstrating my agreement to the debts in question or any original contracts bearing my signature. 

I have attempted to settle for a lesser amount, as I believe this debt is not mine, but my offers have been met with refusal. Additionally, I proposed arbitration in hopes of resolving this matter amicably, yet I have not received any satisfactory response. 

It is deeply concerning that I have not received any proof or verification of this debt despite my repeated attempts to clarify the situation. I have maintained records of all correspondence, including letters and tracking numbers, as well as emails with timestamps. 

I would appreciate your prompt attention to this matter and any guidance you can provide on how to proceed. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: MS

Complaint narrative:
I started working with a credit repair specialist by the name of XXXX XXXX in XXXX of XXXX. I allowed them to access my personal information and attempt to correct credit errors and repair on my behalf. It was a paid service, so I was expecting a successful outcome. The named did not only place a freeze on my report, but ran my credit through several different companies and opened up phones in my name. I have tried to contact this person, but they have disabled any contact info I had and is M.I.A. Now I am finally trying to buy a car in my name and my credit is terrible.

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 2024-11-21 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XXXX of XXXX I noticed there had been a Best Buy credit card on my credit report. I found that odd because I have not applied for a credit card from Best Buy. I immediately contacted my bank XXXX XXXX and advised them about the card. I was told it would be taken care of and someone would call me. I never received a phone call. Later on I received a phone call from XXXX XXXX XXXX XXXX ( a collections agency ) stating that I owed XXXX dollars. I told them this was fraudulent and was not me. 

Best Buy has offered XXXX help to resolve this solution. When I go into any Best Buy store no one can provide me with any answers. When I call Best Buy Im told theres nothing they can do about it because it is in collections.

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 2024-11-21 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: MO

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief