vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 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: PA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have fraudulent accounts and charges on my personal credit file from Bank of America and XXXX XXXX that does not belong to me. My information was stolen by someone else and these accounts were opened by the person who stole my identity. I have been trying to dispute these charges with them directly but has not worked out neither they gave me solutions. 

I have late payments entries that I do not recognize at all and I request the removal of these entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I was a victim of identity fraud, and my account was hacked by some weird person where they deposited a fraudulent check/deposit into my account and I was told that it would be taken care of by the bank themselves. Next thing I know, my account was being closed but I was on the hook for be hacked by these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: G&P Enterprises, LLC
State: CA

Complaint narrative:
I am a homowner and owe XXXX  dues which are now in collection. XXXX  has prevented me from accessing my payment ledger on the XXXX  website, referring me to the debt collection company. The debt collection company says this constitutes " debt verification '' and they want me to pay {$100.00} for the payment ledger. I need this ledger to do my taxes. What a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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:
these late payments i am requesting them to be removed its against the law per 1666b and there is an account with self that does not belong to me and that needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
these late payments i am requesting them to be removed its against the law per 1666b and there is an account with self that does not belong to me and that needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: FL

Complaint narrative:
XXXX XXXX XXXX JP Morgan Chase Bank Dear XXXX XXXX, I hope this message finds you in good health and high spirits. I am writing to you as a previously valued customer of JP Morgan Chase, seeking a fair resolution to a critical matter that has been ongoing despite my previous attempts to address it. 

As a loyal patron of your company for 8 months, I have always held your services in high regard. Unfortunately, I find myself in a situation where my credit report continues to inaccurately reflect my financial history with your company. 

I have previously made attempts to rectify these inaccuracies through a goodwill request, but regrettably, I was met with a denial. I understand that such requests are discretionary, and I respect your company 's policies. However, I believe that a fair resolution is crucial in this situation. 

The discrepancies in my credit report pertain to late payments and a charge off that was paid in full in XXXX. Despite my diligent efforts to meet my financial obligations, these inaccuracies persist, and they are having a detrimental impact on my creditworthiness. 

I kindly request that JP Morgan Chase reevaluate my situation and reconsider the goodwill request. Furthermore, I ask that a thorough investigation be conducted to rectify the inaccurate reporting of both the late payments and the charge off as it reflects XX/XX/XXXX at minimum. It is imperative that my credit report accurately reflects my financial history. 

I trust that JP Morgan Chase values fairness and transparency, and I am confident that a fair resolution can be reached. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: CA

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. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: ID

Complaint narrative:
I received a letter from Equifax dated XX/XX/2023, saying that they received my request to see a copy of my credit report, but they could not provide it to me because they need information from me. I had sent this information twice previously, and am very concerned about what happened to it. This is highly confidential information. 

I sent them my information a third time and am still waiting to hear back from them. 

In order for me to obtain work and a credit card, I need to clear up the problem of my identity verification. Given that I have sought advice and received validating information from XXXX XXXX, Social Security, the IRS, a background check, and the CFPB, I do not know how to proceed without seeing my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
My credit score is poor because this company listed as the factor. I never used them. I contacted them and was told that they dont have me ( my SSN ) in their system. I dont understand why it shows on my credit report that I owe them {$560.00}. Please take this out of my report. I have no delinquencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
Freedom Mortgage has an accurately stated that I have missed payments stating back almost 2 years ago. These statements are inaccurate. I have not missed a payment at Freedom Mortgage corporation. I called Freedom Mortgage and was told I had to physically mail in a complaint that would cost extra money that I choose not to spend.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX phone # XXXX called my place of employment and left a message with my employees telling them who they were and that I needed to call them back immediately. they also said it was concerning a debt. Then when I called the # back, I spoke to a XXXX XXXXXXXX XXXX XXXX XXXX ) and he said they had contacted my work payroll and wanted to know if I had gotten my XXXX yet and that I was being sued and if I didn't pay the {$6000.00}. I asked him what this was concerning XXXX he said it was a Chase card in XXXX. I told him I did not have a Chase card in XXXX, then he said oh the original acct was from XXXX! I got XXXX  in XXXX and we had an old acct with my ex-husband that he was supposed to pay when we got XXXX, and he told me he paid it back then. so then XXXX tells me they have hired a process server to serve me papers the next day but if I can come up with {$3000.00} he will hold off on serving me the garnishment papers and suing me and that they will give me XXXX hrs and call me back. I told him they did not need to call my job # anymore. Today I called the # back and asked the company name and address and he said we dont take mail payments I am not giving you the address I said I need your address he said well I will note that this is a refusal to pay on your account and we will go forward with serving you and we will see you in court, I asked him why he told me yesterday he had already sent me a subpoena he said and I quote " you're full of it! " I said wow he said again we will see you in court and hung up. He then called my job # back and asked for a manager, which is me, so I got on the phone and asked what he needed, he said I need to speak to someone over you, I told him there is no one I am the manager I asked what he needed he said " XXXX ; t worry about it good luck '' and hung up! he called from the # XXXX he threatened to garnish and sue me and this is not legal! the address he ended up giving is XXXX XXXX XXXX, XXXX XXXX, Ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: AXOS FINANCIAL, INC.
State: MA

Complaint narrative:
Unauthorized and unverified inquiries are on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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:
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. 

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 explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I was supposed to receive a {$500.00} bonus for opening a business account in XX/XX/2023. Opened XX/XX/2023. I've completed all terms and have not received the bonus

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
I have applied for PLSF prior to XX/XX/2022. I have the required XXXX payments and yet done loans showing XXXX payments remaining and XXXX payments remaining. I show XXXX ineligible payments that should be counted towards eligibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a XXXX with Suntrust Bank now known as Truist. Earlier this year, possibly around XXXX I completed the paperwork at my bank to transfer XXXX  XXXX to XXXXXXXX XXXX as they were paying interest. I competed the paperwork at my bank ( Truist ) and took it to XXXX XXXX. i never heard anything about it and realized I never received a confirmation email or any acknowledgment from XXXX XXXX. XXXX XXXX has no record of the transfer. I went to my local branch of XXXX where I completed the transaction. They could not pull up any information stating that becasue it was an IRA they don't have access to the information and would have to send an email. I located old statements from the bank and dropped XXXX off to the bank. This is over {$10000.00}. Can you help me locate my account, please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX, I was called by I.C. System Inc. Regarding an alleged debt for XXXX. I demanded that they validate the debt and requested that they pro idea me with the original purchase agreement to prove they own the debt, their business license to prove they have legal authority to do business in Ohio, and their Ohio debt collector license. 

I was never sent anything in writing regarding the alleged debt, nor was I notified that I could dispute the debt. 

On XX/XX/XXXX, more than 30 days after I demanded validation of debt, I.C. System Inc. reported the collection on my XXXX XXXX file. 

I attempted to contact them at the number provided on my credit report : XXXX, but received an error message.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
On XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXXOLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XXXX XXXX XXXXXXXX XXXXt XXXX XXXX XXXX Minnesota XXXX In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union CorpXXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/2022, I purchased a XXXX  XXXX XXXX lawn mower, along with a XXXX protection plan from XXXX XXXX Improvement store in XXXX XXXX NC. The total cost, ( including tax ), came to {$2600.00}. I made a {$400.00} down payment, and the balance, ( as I found out later ), was financed through Synchrony Bank. After careful consideration, I returned the lawn mower to XXXX on XX/XX/2022, and my {$400.00} deposit was returned to me in cash. Since the protection plan was included in the total bill, I had no reason to think that the protection plan was not cancelled as well. 

In XXXX of XXXX  I began receiving invoices for the protection plan. I have been trying since then to have the protection plan cancelled and the balance on my account returned to XXXX. I was advised that the protection plan was cancelled XXXX. 

I did not owe XXXX anything prior to the purchase of the lawn mower, and I have been getting nothing but a run-around, monthly invoices increasing the amount due, and threatening statements regarding the damage to 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 monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
# 1 ) Ok I called to have stop payment on my card. The did that but they restricted that card and sent me an new one. I didn't find out until I was at the store with a basket full of stuff # 2 ) They have been charging me XXXX a month for a banking fee when I am on SSA and am XXXX. 
# 3 ) I think Bank of America has, with certain accounts, like, a bank within a bank, certain accounts are files. And the card number you have on your card triggers the file. And it is a hidden file. MY old card ended in XXXX. The card they are sending me ends in XXXX. I am pretty sure BOA is not above board. I have had this account for 15 years. I am telling you something stinks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief