vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX JPMorgan Chase Credit Card XXXX XXXX XXXX XXXX XXXX, MI XXXX RE : JPMCB CARD # XXXX To Whom It May Concern, I'm writing to you because I noticed that my most recent credit report-contains a late payment reported on XX/XX/XXXX for my JPMCB CARD account. 
I want you to ' know that I understand and have great respect for my financial obligations. 
Unfortunately, at the time of the incident mentioned above, I had a injury and missed the payment. A side from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 
In the near future, I am planning on applying for [ insert something like a mortgage/ auto loan/loan for my daughter 's wedding ], and it has come to my attention that the missed payment on my credit report could hurt my ability to qualify. 
In my heart, I know that the missed payment doesn't reflect my creditworthiness and commitment to re-paying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment on XX/XX/XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 
Thank you for your consideration. 
Have a blessed day! 
Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX - XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX  - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
To Whom May Concern, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate. I am requesting that the inaccurate items be removed from the report immediately. 

This letter is formal request to delete the inquiries listed below from my credit report. 
To my knowledge, I have not signed any documents authorizing the companies listed to view my credit history. 

XXXXPlease delete the follow inaccurate names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXETER FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
I found inquiries on my credit report that do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, 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:
Transunion continues to report incorrect and illegal information on my consumer report. I have been trying to get this information corrected and they refuse to make the corrections. I have again sent a certified letter to Transunion with Exhibits highlighting the personal information and the accounts that are all reflecting incorrect reporting. They have been tarnishing my reputation and hindering me and my credit worthiness. This false reporting has been causing me undue hardship as I have not been able to successfully obtain a vehicle and affordable domicile. It is their grave responsibility by law to report correct information on a consumer 's report and also do their due diligence in verifying the information that is being reported to them from creditors before even reporting anything on a consumer 's report. Had this been done, most of these accounts would not have been reported to being with. There are multiple accounts that are have inconsistent information being reported across all 3 credit reporting agencies including personal info, account numbers, open date, closed dates, amount owed, payment history. I have attached the documents to this complaint that have been notarized and certified mailed to Transunion.

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, 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: MI

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.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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. 

The letters are stated with items and issues. 

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

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. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IL

Complaint narrative:
I notified XXXX in XX/XX/2019 I had received mail regarding an account opened in my name that I had not signed up for. In XX/XX/2019 I had experienced fraud issues with several other creditors who actually attempted to verify my identity before allowing accounts to be opened in my name in XXXX of XXXX and reported to XXXX and they put a fraud alert to creditors with my name and information. All the other creditors ( XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) were resolved with one phone call. This fraud alert was active when XXXX allowed an account to be fraudulently opened in Florida ( I have resided in Illinois for over 40 years ) in my name. A simple credit check would have have prevented this whole matter. Instead in 4 years XXXX  has referred me to collections twice despite my providing proof of identity theft including a police report. Collection agencies have harassed me repeatedly with calls and letters. XXXX has never resolved or responded to my reports. At this point I consider this harassment and a violation of the Statement of Identity Theft Victims rights, Had XXXX done the most basic credit check they would have found the was fraud alert for accounts attempting to be opened with my SSN in XXXX of XXXX Out of 5 attempts to open accounts using my identity in XXXX and XX/XX/2019 XXXX was the only company who failed to take this simple step resulting in what is now a 4 year campaign of harassment and unwarranted negative reports on my credit history.While I have spent hours trying to rectify this issue and provide documents to report this as identity theft XXXX has not provided a single shred of proof to establish I opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Ive sent several certified letters to Midland Credit with no return assistance from them. They are showing to have on my Credit Profile 4 accounts in which I have no knowledge of. I have never signed and agreement with Midland Credit nor do I owe Midland Credit anything. I send them a very detailed " Certified '' letter asking for the following infomation- Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

and I have not seen anything to date. I know we are to give 30 to 45 days but this has been going on for about a year and half and I have yet to receive any correspondence from them. This is not fair for me nor any other consumer finding themselves in this situation with Midland Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2023 I sent certified mail to TransUnion with regards to some inaccuracies found when reviewing my credit report. I received an email back stating items were verified and are accurate. However, see attached letter sent, where I specifically asked for the process in which they validated the said accounts. I also requested it be done by a LIVE person not an automated system or their XXXX XXXX. Clearly they do not have my or any consumers best interest and I would like this to be handled accordingly.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX I discovered several fraudulent inquiries on my credit report that I did not authorize : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US Bank XX/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 non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Seeking assistance and intervention regarding a hold placed on my funds by Bank of America, and the difficulties I have encountered in attempting to resolve this matter. 

I recently started working for XXXX XXXX on XX/XX/XXXX after a prolonged period of unemployment. It has been a challenging time for me, as I have fallen behind on my bills and financial obligations. The recent hold on my funds has exacerbated my situation, making it even more difficult to meet my immediate financial needs. 

I have made numerous attempts to contact Bank of America to inquire about the hold on my account and seek a resolution. However, despite my persistent efforts, I have been unable to reach a representative who can provide me with the necessary information or assistance. The bank 's customer service line directs me to the same number repeatedly, resulting in no response or resolution. This lack of accessibility has left me feeling frustrated and helpless. 

Given the urgency of my situation, I kindly request your intervention to help facilitate communication between myself and Bank of America. I believe that with your involvement, we can bring attention to my predicament and prompt a timely resolution. 

Enclosed with this letter, you will find detailed documentation of my attempts to contact Bank of America, including dates, times, and phone numbers called. I have also included relevant information regarding my employment with XXXX XXXX and the impact this hold has had on my financial well-being. 

I sincerely hope that you will consider my complaint and take appropriate action to address this matter. Any assistance you can provide will be greatly appreciated, as it will enable me to regain access to my funds and meet my financial obligations. 

Thank you for your attention to this matter. I look forward to a prompt response and resolution. 

Bank of America only gives me this phone # that no one answers- 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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Someone Fraudulently Used My Information At PNC Bank And Apply At Loan

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
I have paid every month for 3 years until I got hurt and was off work but I called and made payment arrangements and I spoke to a customer service manager and was told that they would get all my late fees and some of the extra interest off that would bring my total amount down a lot and I would not owe but a few thousand dollars ( XXXX ) but they have not did that. Most off my money is going towards interest. For the mileage and old year of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I have been a PNC client for over 7 years. A employee of my company who was granted power of a operating account abused the funds in the account for personal use he was confronted about repaying the funds and without my knowledge he disputed charges that was made by him. After PNC investigation was completed and it was determined that the charges was his transactions, they closed my accounts. My business account that these transaction accrued on another business account and my Trust account. the reduced my credit cards and on some of the that didn't even let me know. so my currency is in limbo and my bills haven't been paid. and I just received a cutoff notice on another bill and my mortgage is going to report to my credit as a late dropping my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
I am submitting this complaint for these two bureaus to remove the unauthorized inquiries that do not and never belonged to me! 

TransUnion : XXXXXXXX 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 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 2023-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have looked at my credit report to find this company who I have never done business with is reporting on my credit. 

Violations listed below A collection can not be listed as an open account A collection is by default past due Date of last activity is not the same they have not provided me with any signed contract showing my signature, a complete payment history, a purchase agreement witht the terms and conditions of that purchase agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/2023 a person opened a credit card with Chase in my name. I received a credit card in the mail I was not expecting and did not apply for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank is misapplying payments and not honoring promotional purchases that have deferred or no interest. Synchrony Bank is charging late fees even when the payment is received before the due date. The screen shot below shows a XXXX XXXX applied XX/XX/XXXX, which is the payment due date. The screen show also shows the payment of {$250.00} was received XX/XX/XXXX, which is 6 days before the due date. 

Synchrony Bank shows incorrect minimum payment amounts on their statements regarding the minimum payment to avoid interest. I have screen shots and statements that show the incorrect calculations and misapplied payments. These statements are not being included due to containing personal information.

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