vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX XXXX, President National Credit Systems ( NCS ) + XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged fees and amounts that are a violation of state laws and contract agreement by billing for charges against laws protecting consumers in Florida- This was immediately disputed with XXXX XXXX XXXX ( documents attached ) with zero response - NCS contacted on XXXX, attempting to collect funds for invalid debt outside of the contract terms of the agreement. 
- Consumer contacted NCS on XXXX to advise of disputed debt with original creditor and spoke to XXXX XXXX - Collections Manager Contact information : XXXX / XXXX Ext. XXXX - XXXX XXXX directed Consumer to dispute debt validity using the NCS Online Submission Process which was completed by consumer - XXXX - NCS nor original creditor provided consumer any correspondence validating the debt - NCS continued collection practices through XXXX Mail letter attempting to collect debt XXXX - NCS reported invalid debt to credit reporting agencies XXXX - Consumer called NCS, spoke to XXXX XXXX - Collections Manager Contact information : XXXX / XXXX Ext. XXXX - XXXX advised consumer that NCS is able to report and collect on this debt without validating with consumer. XXXX stated that the original creditor emailed NCS stating this debt was valid so no information is required to be sent to consumer. XXXX, NCS Collections Manager stated NCS is not required to update consumer with validity of debt, when disputed and XXXX attempted to collect this debt via phone again, without validating the debt for collections. XXXX Attached documents were submitted through required NCS dispute process with explanation of debt validation needed. NCS did not respond to dispute, did not provide validity, continued to collect on this debt, and reported it to credit reporting agencies as debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-07-15 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: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number # XXXX, has violated my righs 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 1666b A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number # XXXX, has violated my righs 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 1666b A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Americas Car-Mart, Inc.
State: GA

Complaint narrative:
Very old loan and should not be on my credit report still.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My repeated efforts to correct the fraudulent, erroneous, and misleading information on my consumer report have been unsuccessful. These incorrect entries have severely disrupted my life, resulting in considerable distress. As a victim of identity theft, I must emphasize that I never authorized or agreed to have this information linked to my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: TX

Complaint narrative:
I always made sure that I paid on time, why there is a mistake in 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 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
I received a Destiny Mastercard credit card in the mail in XX/XX/year>. I did not recognize this card or have applied for it. I did not activate it & planned to reach out to the company to ask why I was sent a credit card. 

On XX/XX/year>, I get an alert on my credit report of a new card/account under my name & social security number with a {$170.00} charge. I call the customer service number to put a block to the card. 

XX/XX/year>, I call customer service to ask why I received this card & why there is a {$170.00} charge on it when I did not apply for this card or activate it. There should not be a charge on an unactivated card. They send me to fraud protection & ask if I had opened any other accounts. I said, yes I opened a XXXX XXXX XXXXXXXX credit card in XXXX & they said they will investigate & let me know what the response in within XXXX days. I requested the card be closed & removed from my credit report & the customer service rep said he can not do that because of the investigation. 

I have the call recorded & after a simple search this company has a history of bad practices with credit cards to consumers. Others have reported the same, receiving a card that they had not applied for with charges they did not consent to & no resolution after " investigations ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: NC

Complaint narrative:
15 U.S. Code 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I want to start by saying thank you for looking at the items I sent in for investigation. Upon investigating the accounts, I investigated directly from the source furnishing the data to you to ensure that everything matches up as well. Upon looking at the history between all 3 credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts : Account Name : XXXX Actions : Please remove the late payment from this account and update the account as paid as agreed. 
I understand the process of the investigation is to reach every individual company to verify the accuracy of the information. In accordance with FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent I asked you to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, updating the other accounts is an admission of guilt and a direct violation of my rights to a fair investigation. You stated it was verified. How is it possible that XXXX, Equifax, and XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance with Section 611 due to the inconsistencies coming after my original request for investigation. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report after you have completed your deletions and corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: NC

Complaint narrative:
15 U.S. Code 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I want to start by saying thank you for looking at the items I sent in for investigation. Upon investigating the accounts, I investigated directly from the source furnishing the data to you to ensure that everything matches up as well. Upon looking at the history between all 3 credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts : Account Name : XXXX Actions : Please remove the late payment from this account and update the account as paid as agreed. 
I understand the process of the investigation is to reach every individual company to verify the accuracy of the information. In accordance with FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent I asked you to delete anything that is not 100 percent accurate.

This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, updating the other accounts is an admission of guilt and a direct violation of my rights to a fair investigation. You stated it was verified. How is it possible that XXXX, XXXX, and Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance with Section 611 due to the inconsistencies coming after my original request for investigation. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report after you have completed your deletions and corrections.

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 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: AZ

Complaint narrative:
Deposited a check on XX/XX/XXXX, for {$2500.00} via mobile deposit into my Huntington Bank account ( savings ) XX/XX/XXXX the hold was released. The funds were in my account but I have not been able to access them. My account was closed with the funds on it. I have been told a hundred different visions when I contact Huntington through the branch, fraud, customer service, XXXX. At this point I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-07-15 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: DC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My repeated efforts to correct the fraudulent, erroneous, and misleading information on my consumer report have been unsuccessful. These incorrect entries have severely disrupted my life, resulting in considerable distress. As a victim of identity theft, I must emphasize that I never authorized or agreed to have this information linked to my identity.

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 2024-07-15 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: TX

Complaint narrative:
My repeated efforts to correct the fraudulent, erroneous, and misleading information on my consumer report have been unsuccessful. These incorrect entries have severely disrupted my life, resulting in considerable distress. As a victim of identity theft, I must emphasize that I never authorized or agreed to have this information linked to my identity.

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 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I was mailed a promotional offer to accept the Chase credit card along with a {$200.00} cashback bonus when I purchased {$500.00} in the first three months. This was an insert included in the mailing. When I went online to complete the application, this offer was also promoted on the Chase website. I completed the application including a balance transfer, at which time I did not know what my credit limit would be, so I entered a transfer of {$3000.00}. I was accepted for the card and my credit limit was only {$1600.00} and the balance transfer was posted at $ XXXX. Once I found that out, I called Chase to reduce the transfer to {$1000.00} so I would be able to make the {$500.00} in purchases to qualify for the {$200.00} cashback offer. 
Reviewing my statement after the three months I realized that I was not credited the {$200.00} as promised. I called Chase customer service three different times. The first time, I was told that if I could provide the offer number, they would credit my account. Unfortunately, there was no offer number listed and I did not keep the application that was mailed to me after being accepted for the card. I explained about receiving the mailings promoting this offer and that the offer was still being promoted on the website for the same exact credit card. The next time I called, I was told that this offer is not available for my account. 
The next thing I did was send a secure message to Chase on XX/XX/year>. I explained that I received the offer in the mailing that was sent to me and also when I finished the application online it was clearly stated on the Chase website. I provided screenshots of the information that was promoted on the Chase website in XXXX when I applied for the card and also in XXXX, when the current promotion was still being offered. I was again told that this offer was not available for my account. No other explanation was given. I sent four different messages, XXXX on XX/XX/year>, another on XX/XX/year>, XX/XX/year>, and the last one was XX/XX/year> of which I got no response. In all the communications I am asking why my account is not available for this offer. It is the same exact credit card that is being promoted with this {$200.00} cashback offer on {$500.00} purchases in the first three months of opening. This offer is still being promoted on the Chase website today. The only answer I received is that my account is not available for this offer. I also did research online and it seems like a lot of other people are having this problem with Chase where they are not receiving the {$200.00} cashback bonus offer that was promised. This promotion was the main reason I accepted the Chase credit card. I received many different offers from different credit card companies but decided to go with Chase because of this specific offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: TX

Complaint narrative:
I am personally submitting this complaint regarding late payment entries on my credit record. Upon reviewing my files, I discovered these late payment notations. Despite sending correspondence about this issue more than XXXX days ago, I have received no response, nor has satisfactory validation been provided. I request your help in addressing and resolving this matter swiftly and effectively.

Company response to consumer: Closed with non-monetary relief