vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 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: PA

Complaint narrative:
It appears that I am a victim of identity theft. ( Please see attached documents )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: PA

Complaint narrative:
It appears that I am a victim of identity theft. ( Please see attached documents )

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 2024-01-19 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: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
XXXX and XXXX XXXX website, I had an outstanding approval of XXXX vehicle credit approval. I clicked the link. It took me to the XXXX XXXX site. It was to see if I could get pre qualified to see there approval price, not to get an actual vehicle. I received a notice from a credit company about XXXX XXXX. They should have not ran my credit. It should have been done with my voluntary input not running my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I have a judgement out on me from One main financial they were grashment my check took over XXXX and still said i owe them XXXX i want to be included in this lawsuit i have been harased and people coming to my house this is very stressful because of covid i got behind on everything i loss my job im still out of work ihave documents and this happened when covid was going on

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: MI

Complaint narrative:
I am writing to bring to your attention certain inaccuracies in my credit report that require prompt correction. I have identified discrepancies in the reported addresses, names, and employers that do not accurately reflect my credit history. I request your assistance in updating or deleting the following information : Addresses : I request the removal of any addresses on my credit report that are not associated with the following address:XXXX  XXXX XXXX, XXXX, MI XXXX Names : Please ensure that my name is accurately reported as " XXXX XXXX XXXX XXXX Remove any variations or misspellings of my name that may be present on my credit report. 

Employers : Remove any references to employers that are not accurate. Specifically, I request the removal of employers associated with " XXXX '' and " Powerhouse. '' I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute and seek correction of inaccurate information on my credit report. I kindly request a thorough investigation into these matters and prompt action to correct the inaccuracies. 

Please provide me with a written response detailing the results of your investigation and the actions taken to update or delete the inaccurate information. I trust that your agency will adhere to the provisions of the FCRA to ensure the accuracy of my credit report. 

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

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 2024-01-19 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: MI

Complaint narrative:
I am writing to bring to your attention certain inaccuracies in my credit report that require prompt correction. I have identified discrepancies in the reported addresses, names, and employers that do not accurately reflect my credit history. I request your assistance in updating or deleting the following information : Addresses : I request the removal of any addresses on my credit report that are not associated with the following address:XXXX XXXX XXXX, XXXX, MI XXXX Names : Please ensure that my name is accurately reported as " XXXX XXXX XXXX XXXX Remove any variations or misspellings of my name that may be present on my credit report. 

Employers : Remove any references to employers that are not accurate. Specifically, I request the removal of employers associated with " XXXX '' and " XXXX. '' I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute and seek correction of inaccurate information on my credit report. I kindly request a thorough investigation into these matters and prompt action to correct the inaccuracies. 

Please provide me with a written response detailing the results of your investigation and the actions taken to update or delete the inaccurate information. I trust that your agency will adhere to the provisions of the FCRA to ensure the accuracy of my credit report. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a XXXX XXXX  from Citi about a promotion they are running. The terms were roughly as following : - open an account by XX/XX/year>, and make 2 qualifying enhanced deposits and you will get a cash bonus. 

I signed up and was approved. I also received an email confirming as such from Citi. 

I called in today to confirm that I am enrolled in this offer, but to my dismay, the representative both via chat and over the phone told me that there is no promotion offer attached to this account. 

I asked them to fix this, but they refused to rectify the situation. Bait-and-switch, this is a deceptive practice ; in other words, a scam. I would like to report this.

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 2024-01-19 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: NJ

Complaint narrative:
I have reviewed my consumer reports and I noticed that I have XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of ( XXXX XXXX & XX/XX/XXXXXXXX XXXX  ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshots attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have reviewed my consumer reports and I noticed that I have XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of ( XXXX, XXXX & XX/XX/XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshots attached.

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 2024-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions
State: CA

Complaint narrative:
This company refuses to send me debt validation letter. They have straight up lied about mailing me the debt validation letter. I have asked them stop calling me and they have not. This company can not prove this debit belongs to me. They have blatantly broken the law.

From their response to CFPB ( XX/XX/ Mailed validation of this account to consumer with breakdown of charges and payments, electronically signed financial arrangement agreeing to collection fees, and a copy of the drivers license used at the time of service. Second CFPB complaint XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I received a call from a Texas number where I haven't lived in XXXX  years now. They claimed to be a collection agency on behalf of a bank to collect on a past credit card from XXXX. I currently bank with this company. 
In the message they included sending summons to my house, and said my address. 
This concerned me, so I called them back. 
They claim to debt was XXXX XXXXXXXX dollars to settle out of court. 
Every time I asked a question, they couldn't divulge the info. Then, they read off to my my name, address, phone number AND my social. 
I gave them no info or answered any of their questions other than who I am. 
I hung up and called my bank. Their fraud department confirmed that I have no past debt owed.

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 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I spoke with one of the XXXX representative, who gave me permission to pay my monthly bills earlier than the XXXX of each month. I followed her lead and paid my bills for each month earlier which one month I asked, can I pay for it could be for two months payment which she said yes. Afterwards, I started getting phone calls, messages and emails stating Im past due. Which call back and explain the problem confusion when paying my payment Laid up too double payment, with additional charge fees and interest. The manager refused to fix the problem with the split payments for each month. Then told me if I close my account that they stopped the interest fees and I can pay a lower amount. I feel violated because I still would have paid my bill but not the double amount because of their mistake. The company refused to comply with fixing the mistake that their representative made. I hold responsible for their mistake. So now my account is being closed to agree with their terms of 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 2024-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
MOHELA placed me in forbearance in XXXX which makes it impossible for me to make payments. During this time my interest is accruing and there is nothing I can do about it. They also just wiped out my balance then reinstated a week later just as I was about to come out of forbearance. So now I am in forebearance all over again for another XXXX  months and they are going to make even more interest off me. They also raised my interest rate from XXXX to XXXX %. How is this not illegal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my Credit Reports effective immediately. Im attaching proof that XXXX admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my Credit Reports. 
XXXX XXXX XXXXk acct # XXXX Portfolio RC accts # ending in XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: CO

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my TransUnion credit report. My latest credit report shows XXXX ( XXXX ) hard credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XX/XX/scrub>XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these unapproved inquiries removed from my credit report within XXXX  days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, 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 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Please see the attached XXXX for the initial complaint and current status with the XXXX. Chase has opted to not provide any digital responses and only mailed me a letter after I refused to acknowledge their broken voicemail as a valid response. The letter is attached as Chase_ResponseXXXX 

" Consumers Original Complaint : I started a XXXX payment plan for {$17000.00} on XXXX XXXX XXXX with a payment of XXXX XXXX. Chase applied payments to the balance of the XXXX payment plan in a manner which benefited Chase and harmed the customer. The balance of my XXXX payment plan was reduced to {$7100.00} by XXXX  when it should have been {$15000.00}. I was then charged {$260.00} interest the following month after Chase accepted the equivalent of almost XXXX  months of advanced payments with no benefit to me as the customer. 

Additionally, Chase refuses to provide a breakdown of how payments are applied to the payment plan vs monthly charges. I would like Chase to honor the original terms of the plan and adjust the balance correctly. 

Consumers Desired Resolution : Billing Adjustment "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC
State: TX

Complaint narrative:
I have try to dispute this off my credit report I honestly dont know where this debt is what kind of debt it is. I asked for a contract showing the dates. They say they dont provide that information because they are a third party. Which does not make sense to me they have also said they sent out documentation to my mailing address back of XX/XX/2023 which I did not ever receive. I honestly think this company is just scamming people saying they owe money when they dont I would like for this issue to be resolved as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
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 2024-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: CO

Complaint narrative:
I receive repeated phone calls for a {$300.00} debt. They don't know what it is for. Conns XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting that accounts shown on my credit report be deleted immediately as my data was breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Pending Company Match
State: OH

Complaint narrative:
XXXX XX/XX/XXXX XXXX called Direct Express XXXX to check balance on card XXXX XXXX XXXX XXXX and it was invalid. I requested a new card on! XX/XX/XXXX and paid for expeditated delivery to get on XX/XX/XXXX I received on XX/XX/XXXX and called card XXXX XXXX XXXX XXXXDirect Express, calling from XXXX XXXX till XXXX XXXX on XXXXand was informed it also invalid that a card was sent to XXXX Texas and XXXX was activated about the time i got my card and they went to XXXX XXXX atm withdrew {$900.00} and the to XXXX atm withdrew {$85.00} and with 3 delivery at XXXX put me the negative of $ XXXX then requested a new card postal and got on XX/XX/XXXX XXXX XXXX XXXX XXXX knowing that I had {$3.00} I called Direct Express to activate card and AND THAT CARD IS HE SAME CARD SENT TO TEXAS . Direct Express was to send me papers to fill out for provisional payment i was to have them returned by XX/XX/XXXX or I get no payment They never mailed it out I called onXX/XX/XXXX about the, paperwork and was informed of that and told me to write out in my own words and to fax it .Today thinking I should have received the provisional payment found the card invalid { Same card to Texas XX/XX/XXXX } They wanted to verify me I answered the questions and was give n a code to e mail I gave the code and told me it was wrong never knew they sent a second code, I talked to supervisor and was then told I was refused provisional payment because I authorized the withdraws in Texas and authorized merchant purchases ' am in Ohio legally blind and never been to Texas never authorized the atm withdraws. I am now requestioning an escalation of disagreeing with dispute Help me out

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have called on XXXX separate occasions to close my checking account with Chase bank. The first time they sent a letter saying there was an incoming transaction so they could not close my account. I waited a week and no transaction was incoming. I called and asked for my account to be closed and as of XX/XX/24 my account is still not closed. I am being charge fees for the account being open and want the account closed so I don't have to pay anymore fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX {$10000.00} late payments in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX account XXXX XXXXXXXX is illegally violating 1666b by furnishing late payments on consumer open end credit accounts on my TransUnion and XXXX Consumer Files. Also transactions and experiences are excluded from Consumer Files.

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