vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: TN

Complaint narrative:
XXXX I sent urgent money to XXXX. It was left pending for over XXXX hours with no explanation apart from the report .saying it is being processed There is no option to reverse money after the 30 minutes window has expired

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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:
I am writing to express my concern regarding unauthorized inquiry listed on my recent credit report. After reviewing the report, I have identified the unauthorized inquiry The unauthorized inquiry hasadversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiry immediately. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I entered into a repayment plan of {$66.00} a month to settle the charged off/closed Amazon Synchrony store card I opened. Im a XXXX veteran living on 100 % XXXX   XXXX and struggled to meet the over {$200.00} payments Synchrony demanded when the balance became maxed. Synchrony is now sending me emails stating my minimum payments are {$220.00} due by XX/XX/year> even though I have payment arrangements. Unless Synchrony can provide me the original agreement for this charged off account I suspect I dont owe them anything at this point. I have been harassed by random collection calls at all hours of the day several times a day until I told them its my right under the FCRA to not be harassed. I had to get a XXXX subscription and filter all of my calls just to be able to use my phone regularly. I have had several issues like this in the past with Synchrony where their billing systems would create problems or other issues and I would close those accounts due to it. It seems that Synchrony is very predatory and likes to trample on peoples rights while selling them junk they dont need on Amazon then causing them undue strife after communicating that our financial situation was tenous bc they saw that as a weakness to exploit. I definitely feel exploited through the whole process especially since Amazon has been reported to have inflated prices on their market

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-28 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 recently acquired a copy of my credit report from your bureau and am disputing the accuracy and completeness of the following information. This incorrect information is damaging my credit report, and I request an immediate correction. The details in question are as follows : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX 

I assume 30 days is a reasonable time frame for your investigation. After completing your investigation, please provide me with an updated credit report and the names, addresses, and telephone numbers of the individuals contacted.

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 2024-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am not liable for this debt with PNC Card Services, they did not provide me with the original contract as I requested.This company has been reporting an inaccurate and unauthorized account on my personal credit report. The debt being reported is due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: CA

Complaint narrative:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$8300.00} 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 2024-05-28 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: LA

Complaint narrative:
My name is XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
For two weeks now, I have been unable to access my account information on Chase 's partner environment ( Amazon ). 

I attempted to reach out to both Chase and Amazon. Neither side understands the problem nor is willing to solve this issue. Chase customer service response to this problem misses the key problem. I will reiterate the problem statement here. 

The problem statement is " We're unable to verify your account with Chase right now. Please try again. If issues persist, contact Chase for assistance. '' I have been encountering this issue every day for two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2024 i sent certified mail to XXXX and XXXX ( XX/XX/2024 ) to verify the XXXX debt the accuse me of allegedly owing. XXXX never got back to me with info showing who they contacted to verify the debt w/ name and number according to the law. They told me to follow up with XXXX because they could never verify the information. Meaning they never reached out to anyone WHICH IS THEIR JOB. And if XXXX can not be reach and if they are not responding XXXX SHOULD DELETE THE ACCOUNTS BC THEY CAN NOT BE VERIFIED. My next step it to file suit against them because this is beyond unlawful.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2024 i sent certified mail to XXXX and Experian ( XX/XX/2024 ) to verify the XXXX debt the accuse me of allegedly owing. Experian never got back to me with info showing who they contacted to verify the debt w/ name and number according to the law. They told me to follow up with XXXX because they could never verify the information. Meaning they never reached out to anyone WHICH IS THEIR JOB. And if XXXX can not be reach and if they are not responding Experian SHOULD DELETE THE ACCOUNTS BC THEY CAN NOT BE VERIFIED. My next step it to file suit against them because this is beyond unlawful.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-28 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: LA

Complaint narrative:
Absolutely no disputes are to be entered from this complaint. This is just me providing my documentation to you once again. Tbe issue isnt the lender not reporting like Im lead to believe. Absolutely not possible when month after month other CRA reports never have this problem yet repeatedly this report does. 

Absolutely no disputes are to be entered My credit file has been messed up dating back to my knowledge at least around XX/XX/XXXX. 

Ive exhausted myself in every possible way to explain what I see vers what ultimately gets reported out etc. Ive tried mailing documents showing everything with no follow up action or results. Ive spent countless hours on tbe phone with this agency seeking help. Repeatly told a manager would call. To this date that has never happened. Ive repeated requested a file review of everything from top to bottom given massive time frame itll take to only learn once that window comes and goes that there isnt a time frame on this. Ultimately its never been done. I last requested such on XX/XX/XXXX here we are a month out and truthfully the issue today is by far the worse its ever been.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent a letter on XXXX XXXX to remove this item that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX  Balance : {$100.00} XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} 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 2024-05-28 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 2024-05-28 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: MA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been in communication with Experian about inaccurate personal information in my credit report. Even after notifying them many times about this error, they continue reporting this incorrect personal information on my file. Not only is it unfair, it is also illegal.

By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. This whole thing is unfair.

I hereby request that Experian block and delete the reporting of this information from my consumer report. My request to block is not made in error, nor is it based on any material misrepresentation of fact by me relevant to the request to block the identified transactions. The transactions in question are not related to any activity undertaken by me as the consumer.

Furthermore, I am providing proof of my identity along with specific information regarding the transactions that are the result of identity theft. Enclosed with this letter are copies of my identity theft report submitted to the Federal Trade Commission ( FTC ) and the police report filed regarding the identity theft.

I have told Experian many times I do not consent to the inaccurate personal information listed below to be reported in my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; INCORRECT NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ACCURATE PERSONAL INFORMATION My only name is - XXXX XXXX XXXX XXXX. 
My only address is - XXXX XXXX XXXX XXXX XXXX, FL XXXX My only date of birth is - XX/XX/1984 My only employer is XXXX XXXX XXXX XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank You 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 explanation
Consumer complaint received 2024-05-28 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: CA

Complaint narrative:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX I 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 explanation
Consumer complaint received 2024-05-28 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I saw a promotional offer on my American Express credit card to get cash back for XXXX subscription. I enrolled in XXXX XXXX on XX/XX/XXXX, which gave me a 7-day free trial as a new customer, so the first charge occurred on XX/XX/XXXX. Although the Amex offer expired on XX/XX/XXXX, I did not think it would be a problem because there was a line explicitly saying If you are a new customer receiving a free trial, you must be enrolled in the free trial prior to the campaign end date to qualify. This line made believe that AMEX was aware that there is a free trial period and I would be fine as long as I enrolled in XXXXXXXX XXXX before the offer expired on XX/XX/XXXX, which I did enroll and sign up for XXXXXXXX XXXX on XX/XX/XXXX. And yet, AMEX declined to honor the offer and I did not get any cash back. I contacted AMEX first via online chat on XX/XX/XXXX, and then again on XX/XX/XXXX, and then called them on XX/XX/XXXX for 1 hour and 18 minutes. Each time I had to explain the situation to the representative all over again. There was a lot of frustration that they insisted that I can not get the rewards because first charge occurred XX/XX/XXXX, when the offer expired XX/XX/XXXX. And each representative declined to recognize that I should have been qualified because I enrolled XX/XX/XXXX before the offer expired according to their own marketing material.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I made a {$10000.00} additional principal payment to bring down my loan to value to 79 %. On XX/XX/XXXX, I requested J.P. Morgan Chase to cancel my PMI insurance. On XX/XX/XXXX, Chase canceled my PMI insurance because my XXXX was XXXX XXXX 

However, Chase proceeded to charge me {$150.00} for PMI on XX/XX/XXXX. Based on Chase 's own letter, they said, " As of XX/XX/2024, you no longer have to pay for private mortgage insurance for your mortgage loan ''. I don't know why they charged me {$150.00} for PMI insurance that no longer exists on XX/XX/XXXX.

Company response to consumer: Closed with explanation