vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
A new collections account was added to my credit report. upon checking I quickly realized the debt was not my debt and was the result of identity theft. I called the debt collection agency ( ERC ) who told me the original debt was from an XXXX account which was opened in XXXX Arizona under my social security number and the name " XXXX XXXX ''. My name is not XXXX XXXX, and I have never been to or lived in XXXX Arizona and I have never had an XXXX account. whoever did this stole my social security number and I want this resolved as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: GA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: Possible Financial Inc
State: LA

Complaint narrative:
On XX/XX/2023 an unathorized loan was taken in the amount of {$100.00} on XX/XX/2023 an unathorized loan was taken in the amount of {$120.00} On XX/XX/2023 an unathorized loan was taken in the amount of {$130.00} I have disputed the transactions as fraudlent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: HI

Complaint narrative:
I am writing this request that I want to dispute specific records in my credit file that do not belong to me and it had erroneous information, particularly in regard to a bankruptcy record, Please erase the false information that keeps harming my credit report. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: WA

Complaint narrative:
I am unaware of these inquiries on my credit report. 

XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX 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 2023-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to express my deep concern and dissatisfaction with the recent handling of my account at JP Morgan Chase, account holder : XXXX XXXX, account number [ Account Number ]. Specifically, I am addressing the following issues : 1. Cashed Check : On XX/XX/2023, I deposited a check in the amount of {$2000.00} into my account. The check was duly cashed, and I have proof of this transaction. However, I have not received the funds in my account due to them stating the original person refuses to verify that the check was made out to me. Despite me having a paper proof and a legal binding document that it was made out to me.

2. Account Closure : I received notice that my account, was closed. I have always maintained my account in good standing, and this closure has caused significant inconvenience. 

I kindly request a thorough investigation into these matters and the immediate resolution of the issues mentioned above. I expect a prompt response within [ Specify a reasonable timeframe, e.g., 14 days ] from the date of this letter. 

I am committed to resolving this matter amicably and trust that JP Morgan Chase will take the necessary steps to rectify the situation promptly. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In XXXX XXXX XXXX, we asked for a quote from Lowes for a fence to be put in. The rep showed up, measured, told us the cost. As we were talking through things, he said they offered 12, 18, or 24 months NO interest. We took the 12 month option because it was the lowest monthly payment and then we set up autopay so that we didnt have to worry about missing payments. 12 months later we were slapped with {$2300.00} worth of deferred interest. The best that Lowes and Synchrony can offer is a 30 day grace period to pay off the entire balance to avoid the deferred interest. Our issue is that we were told by the Lowes Rep that it was NO interest. We would have never agreed to deferred interest. Whether intentional or not, his dishonesty and withholding of all relevant and pertinent information is unfair and is penalizing my family greatly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
1. In XX/XX/2022, the Plaintiff notified XXXX XXXX, and Navy Federal Credit Union about him being a victim of identity theft, he also gave the them a copy of the police report and requested validation of the account. 
2. The Navy Federal Credit Union account is still being reported inaccurately, and incorrectly on my XXXX credit report. Which means Navy Federal Credit Union failed to provide timely and accurate information to me concerning the account in question, according to 12 CFR 1024.38.

3. Navy Federal Credit Union deprived my rights by validating an inaccurate, and incorrect account with XXXX to publish this account on his credit report. 
4. Navy Federal Credit Union also failed to validate the account with the XXXX XXXX XXXX XXXX XXXX. 
5. Once I requested information in writing regarding the account that is published on my XXXX credit report, Navy Federal Credit Union denied the account in question and didnt provide any further information about the account, which they are in violation of 12 CFR 1024.36. 
6. XXXX failed to block the inaccurate Navy Federal Credit Union account resulting from Identity Theft within 4 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
In early XXXX, their representative indicated that they would issue a refund check in about six weeks. In early XXXX, I received a billing statement indicating that the available credit was {$620.00} above the credit limit ( the amount of the original loan ). I have not received a reimbursement check as of today. Then today I received another statement, indicating that they had applied a {$50.00} fee, and that I owed them {$20.00} due on XX/XX/XXXX, XXXX XXXX 
When I spoke to Customer Service today, the representative STARTED a refund request. She gave me the case number for follow up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: TX

Complaint narrative:
Today, I am writing this complaint to TRANSUNION regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report.

payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
This incident caused year XXXX month of XXXX. previously known as XXXX, and all suddenly Changed to CITIZEN BANK. that the time i became a victum on this fraudulent act. i have been reported to Citizen Bank in many times. they accepted and acknowledged. my local Branch assist me every aspect. and report to fraudulent dept. and other divisions. but nothing has been changed. unfortunately this incident crushed my credit score and that effect my life very badly. I have a XXXX daughters to support their College education. i was trying to refinance my house and assist them for higher education. but unfortunately i am stuck now been a victum of this fraudulent act. 
The amount of {$7400.00} is made up for fraudulent charges that i did not make. i am requesting this charge to be removed. my credit report show that the charges are still impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lendmark Financial Services
State: CA

Complaint narrative:
I opened a loan with this company XX/XX/XXXX. I fell on hard times and entered into a credit counseling program in XXXX or XXXX of that year. The terms of my loan were to lower the payments to $ XXXX and the interest rate was supposed to be lowered from 35.23 % to 21.92 %. I noticed my balance wasn't going down over time so I called to inquire why. The rep told me because the loan was so new that I'd have to make more payments and wait until XXXX before it would be recalculated and any payments applied. I felt that didn't sound right but at the time was going through a divorce and health issues so I didn't look into it further. 

Fast forward to XX/XX/XXXX I pulled my credit report and noticed the balance on the loan balance has been increasing each month since XX/XX/XXXX rather than going down. I logged into the online portal and saw my interest rate was still 35.23 %, and monthly finance charges were {$200.00} which was the same amount of the monthly payments. I reached out to the debt management company and they contacted Lendmark and were informed my account was under review as the error was just realized in XXXX of this year. 

As of XXXX a credit of {$4800.00} was credited to my account, the interest rate lowered to 21.92 % and the current balance {$2200.00}. I called and asked ify account had been adjusted back to XXXX and I was told yes. I requested a detailed audit/breakdown of payments/credits and that my credit profile be updated according. The rep said there wasn't a breakdown, the account was credited accordingly and that I need to submit the dispute in writing. Informed rep if adjustments have been made I'm entitled to proof so that I can be sure they are accurate. Rep stated she could send me a copy of what she has. I received the copy and it shows nothing in detail, just the amount of the credits. 

I called the 800 # and the rep wasn't helpful, kept trying to refer me to debt management company and told me they'd have a detailed record of what transpired. I explained the situation, the rep then pulled up my account and realized what I was saying. She put me on hold to call the branch. I was told the branch manager was busy and I'd get a callback. I did about an hour later but was unable to answer due to work. 

Bottom line is my account was not handled properly. The failure to apply the correct interest rate in XXXX has negatively affected my credit. I should be able to see a breakdown of the payments applied, credits given and monthly balance since XX/XX/XXXX. Also, since it's Lendmarks error they should update my credit report accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: WA

Complaint narrative:
XXXX XXXX XXXX This information that I show here shows some late payments and I never had a late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Today, I am writing this complaint to TRANSWORLD SYSTEM INC regarding the incorrect information on my account. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. 
payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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:
In accordance with the Fair Credit Reporting act, 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, has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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 noticed a collection from a company called XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  in the amount of {$6200.00} which I believe is a fraudulent account. The dates opened are different on every credit bureau and per the FCRA an inaccuracies need be corrected or deleted from my credit report. I also do not owe any medical facility any money as the only treatment I have had in the past 3 years has been covered by my insurance. I would like to obtain proof that the debt owed is mine and that it does not violate HIPAA or the FCRA otherwise such should be deleted from my report as it has put a burden on my ability to responsibly 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 2023-10-03 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: AL

Complaint narrative:
To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRI INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROV.

COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The intractions are as rollows : + Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and_explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late. 
804 By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certitied mail 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: MS

Complaint narrative:
I am a victim of identity theft. I filed a police report and FTC report and sent the paperwork in with my disputes to the credit reporting agencies. The disputes have not been processed correctly and the paperwork has not been attached. And copies of the verification process has not been sent to me per the FCRA.

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