vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I am writing again to dispute the validity of the debt associated with the account number XXXX that appears on my credit report. As I have previously stated, I am completely unaware of any such debt and I did not have the opportunity to dispute it prior to it being reported to the credit bureaus. Furthermore, I have not received any proper notification regarding this alleged debt. 

According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), consumers are entitled to receive proper notification before any debt is reported to credit agencies. It is my right as a consumer to be informed of any debt owed and to have the opportunity to verify its accuracy. 

I must emphasize that I have not received any correspondence, letters, or notifications from your agency regarding this debt. If you believe that proper notification was provided, I kindly request that you provide evidence of such notification, specifically a certified mail receipt with my signature acknowledging receipt of the notification. Without such proof, I maintain that I did not receive proper notification as required by law. 

As a result, I am requesting that this debt be removed from my credit report immediately. It is imperative that this erroneous entry be rectified as it is negatively impacting my creditworthiness and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. 
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 non-monetary relief
Consumer complaint received 2024-03-27 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: TX

Complaint narrative:
I submitted a dispute to Experian in XX/XX/2024 requesting that XXXX XXXX account be removed from my credit report immediately due to XXXX 's violation of Texas state and federal regulations. Instead of Experian doing as I asked. They just updated the account and dismissed the letter that I sent with the dispute as if the violations meant nothing. Please see the attached letter that I sent to Experian.

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 2024-03-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On Monday, XX/XX/XXXX, I deposited a check drawn on the XXXX XXXX XXXX XXXX in the amount of {$55000.00} in my account with Capital One, with the expectation that the monies would be available on Tuesday, XX/XX/XXXX in accordance with the provisions of implementing Regulation CC. In subsequent conversations with representatives of Capital One, they advised me that a certain amount would be available on Tuesday, XX/XX/XXXX, but that the full amount would not be available for four ( 4 ) business days for " security reasons ''. When I pointed out that the check was drawn on another financial institution and that the only way a bank check could be returned is if it is lost and/or stolen and that because it was being deposited into account with the same as the check payee, and therefore was neither lost nor stolen, their " security reason '' was without merit. I requested that the matter be escalated and that I receive a call back, but I have neither received a call back, nor has the full amount of my check been made available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 non-monetary relief
Consumer complaint received 2024-03-27 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: PA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

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 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My paycheck got deposited into my account and i went to check my balance not even 5 minutes after i get a text and email my account is going to be closed and that I needed to call into chase as i asked why my account was going to be closed they were unable to give me information and said that right now my account is restricted so i can not receive my money until 10 days after my account is closed so i now have to wait 20 days until i can receive my hard earned money and the remaining funds before that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: CA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-27 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 a victim of identity theft please remove this fraud inquiry from 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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I currently opened a Chase credit card. Upon reviewing the credit report associated with the above account, I noticed that they have incorrect information listed. For an installment loan on an XXXX account, they show a late payment for the month of XX/XX/30. But the payment was not late, as I was working out an issue with the merchant, as I received defective merchandise, which was all returned leaving a {$0.00} balance. I later received confirmation from XXXX that this would NOT affect my credit negatively and it was resolved in my favor. Please refer to case # XXXX for final resolution. I have also attached screenshots of the information currently showing as delinquent in my Chase account, thereby affecting it negatively. I find this very odd, as I reached out to any credit bureau that had the Affirm installment loan listed as " late '' and from what I saw, any negativity with it was deleted. Not sure why this is showing in my Chase credit card account, and I'm concerned that XXXX, XXXX and XXXX have not omitted this " late '' status, as should have already been completed. Someone is still reporting this account negatively, as it is showing on the Chase card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have several accounts with synchrony bank. Mostly store accounts with one for general use. My payments are on time as you can check my credit score to confirm. Without warning, Synchrony will reduce my credit limit to the outstanding balance. That in turn causes my utilization percentage to become 100 %, and increases my interest. This should be illegal as it is an unfair penalty on credit consumers. Other banks look at the credit utilization, get nervous and either do the same or cancel the account altogether. 
Unless the consumer is habitually late, or doesn't make payments at all creditors should not be allowed to reduce the credit limit unless there is a mutual agreement in advance. Then they should not be allowed to reduce it down to the amount you owe them. They have cost me hundreds on hundreds of dollars and I am not alone. This is all orchestrated to make them more money than they are entitled to and creates a windfall for other creditors from customers who are paying their payments, not behind, not in arrears. 
This is despicable. DO SOMETHING ABOUT IT. I'm contacting my Senator and others in the Senate to see if they want to create some legislation to do something about this robbery Synchrony Bank and a few others have made a practice of doing.

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 2024-03-27 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: Self Financial Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I contacted SELF FINANCIAL/LEAD BA to inform them of the inaccurate information being report to the credit bureau XXXX My account is closed but the account is reporting open. This account is reporting inaccurate late payments to all 3 credit bureaus. 
The list contains : 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 

SELF FINANCIAL/LEAD BA is refusing to update any inaccurate information until a balance of {$440.00} cent is paid. 

I have also contacted all 3 credit bureaus by letter & phone of these inaccurate reports. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
We paid off the loan on XX/XX/2024. According to Roundpoint Mortgage, they have XXXX business days to return the remaining escrow balance on the account. In our case, that is {$5900.00}. I contacted Roundpoint Mortgage on the following dates to confirm the check was coming, and even gave them our new current mailing address as we had moved from the home the loan was on. Dates I contacted them, are XX/XX/2024, XX/XX/2024, XX/XX/2024 ( and spoke with XXXX separate agents as their stories were all different ) so I asked that a supervisor call me back. I was told that would happen within XXXX hours. No call ever came! I called again on XX/XX/2024 and an agent read the notes on our file, and agreed to stop payment on the first check ( which I am told was issued on XX/XX/2024 ) and a NEW check would be reissued within XXXX business days. 
Here we are today on XX/XX/2024 and spoke to today 's agent who answered. She stated the stop payment has been made, and the new check has not been issued yet???!!! It's " still being processed. '' XXXX business days later. 
This is OUR money that needs to be returned within the permitted timeline. OUR daily interest is stolen by this company, not to mention having the funds available to LIVE ON.

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 2024-03-27 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: GA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-03-27 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2024-03-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
In XX/XX/2024 up to XX/XX/2024 Ive been disputing this debt that creditor is reporting I owe XXXX and constantly harassing me for a debt I have no idea about Ive sent them certified letter since XXXX I havent got a response letter from them Im not pleased why they are doing this I feel emotional distress from this as much as Im concerned

Company response to consumer: Closed with explanation