vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 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: CA

Complaint narrative:
XXXX, Experian, & XXXX are reporting incorrect information listed on the account XXXX there are late payments listed that should not be there. The late payments are XX/XX/2024 and Experian is report late payments for XX/XX/2024 that the other XXXX consumer agencies are not. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2024-04-24 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: GA

Complaint narrative:
I think FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Can you check the documents? Some of the listed accounts have inaccuracies in terms of reporting, with inaccurate amounts and dates being reported.

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 2024-04-24 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: AZ

Complaint narrative:
In XX/XX/XXXX, I sent a letter to Equifax to validate the reporting that XXXX 's charge of the account was mine. Equifax claims it was verified, providing no information or proof of account ownership. In XX/XX/XXXX, I demanded Equifax investigate the account ownership 's accuracy. Again, Equifax provided no evidence. In XX/XX/XXXX, I demanded a method of verification of the account ownership, and Equifax provided no proof. I filed an FTC complaint, XXXX, for identity theft and submitted it to Equifax. Equifax is still reporting this account and is in violation of the FCRA in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the validity of the collection account listed on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692 and the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681, I request validation of the debt you are attempting to collect. 

The account details are as follows : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX High Balance : {$0.00} Last Verified : Not specified Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Closed Date : Not specified Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : All Banks Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Unpaid balance reported as a loss by the credit grantor. 
Original Creditor : Not specified Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$4000.00} It is imperative that you provide validation of this debt as per my rights under the FDCPA and FCRA. Specifically, I request the following documentation : Verification of the debt, including the original creditor 's name and address. 
Proof of your authorization to collect this debt. 
Documentation showing the agreement between me and the original creditor regarding this debt. 
A complete payment history, detailing all transactions associated with this account. 
Any agreements or contracts pertinent to this debt. 
Please be advised that the reporting of unverified or inaccurate information to the credit bureaus violates the FCRA. If you can not provide substantial validation of this debt, I demand that you remove it from my credit report immediately. 

I expect a response within 30 days of the receipt of this letter, as mandated by the FCRA. Failure to provide adequate validation within this timeframe will result in further actions to protect my rights, including filing complaints with the Federal Trade Commission and the Consumer Financial Protection Bureau. 

Thank you for your prompt attention to this matter. I anticipate your timely response.

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 2024-04-24 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: FL

Complaint narrative:
" Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' 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 non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted XXXX XXXX and they requested the account be inserted for a few months and the information hasn't been added to my report. Experian is not reporting XXXX XXXX charge card that I'm an authorized user on. The account ends in XXXX. It was last report XX/XX/24 and will be reported again in XXXX however Experian isn't reporting at all.

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 2024-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I requested to open a savings account with XXXX XXXX on XX/XX/2024 and XX/XX/2024 and was declined without explanation. 

Here are the application XXXX : XXXX XXXX XXXX They said they could not verify my information, but without further explanation I have no way to correct the problems with my previous applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: CITIBANK, N.A.
State: PA

Complaint narrative:
There were fraudulent charges on my credit card on XX/XX/XXXX and on XX/XX/XXXX. On XX/XX/XXXX I was working XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. On XX/XX/XXXX I was in XXXX Nj XXXX visiting my Parents and had a XXXX  appointment at XXXX XXXX  ( about 1 hour 45 min away from XXXX ). 

I used to live at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX up until late XX/XX/XXXX. I moved to XXXX XXXX XXXX XXXX PA XXXX and have been living in this address since early XX/XX/XXXX. Since then I have not visited XXXX or XXXX as I have been working in XXXX NJ during this time period. 

I believe the company sent a new card to my old address who used the credit card as the charges were made in XXXX area XXXX Since early XXXX I have not been in that area and those charges were not made by myself. 

I had received an email around XXXXXXXX XXXX  from CITI about suspicious activity on XX/XX/XXXX. It was about XXXXXXXX XXXX  on XX/XX/XXXX when I got home ( XXXX address ) from my dentist appointment 1 hour 40 min away when I noticed the email and called the fraud department at Citi. I explained that the charges could not have been made by me that Day as I was 1h and 40 min away and the previous day XX/XX/XXXX I was working from XXXX XXXX XXXX XXXX 

I called CITI fraud department multiple times and emailed them with proof which is attached to this email. My work schedule shows I was working XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXXXXXX XXXX during the time charges made on XX/XX/XXXX. I have a XXXX appointment email confirmation receipt of time and place showing location in NJ about 1 hour 40 min away from XXXX on XX/XX/XXXX. 

I called the fraud department on XX/XX/XXXX, XX/XX/XXXX, XXXX times on XX/XX/XXXX. 
I don't have the name of person I spoke to on XX/XX/XXXX, but I spoke to XXXX on XX/XX/XXXX, XXXX the first attempt and XXXX XXXX not sure spelling ) on second attempt. I also emailed XXXX on XX/XX/XXXX with all the info including my work schedule and dentist appointment without any help. They all assured my that it would be taken care of on the phone and nothing else further needs to be done. I just received an email regarding upcoming bill of {$470.00}

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 2024-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I paid my account XXXX years ago and never received my title. I called chase after some time and they had indicated for me to call the dealer who indicated that, no, Chase would be the place to contact. I contacted Chase and attempted to get my title sent to me but was not successful. Now I am in need of the title for a new state 's registration and I am still unable to receive my title. 

I contacted them today, XXXX. They transferred me to the auto department, and after provided my information they paused and disconnected the call. Trying to call back, I still unable to be helped and I am in a very precarious position as I must register my vehicle using the title that is rightfully mine. I am now unable to reach anyone regarding this at Chase, and will be seeking legal recourse should the matter not be resolved in a timely fashion. 

In sum, I paid off my loan owned by JP Morgan Chase, never received my title, and have not been assisted in receiving the title for my vehicle since paying it off roughly in XXXX. I am now in need of this to continue operating my vehicle in a new state, let alone access all the other privileges that come with possessing the title of a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I am writing to report an instance of identity theft that appeared before me on XXXX.Recently, I was informed by XXXX that an American Express credit card had been opened under my name through XXXX. The reported amount associated with this account is {$430.00}. I want to clarify that I did not authorize or open this credit card account, and I have reason to believe that my personal information has been fraudulently used. 

The account was opened under my name. I suspect that my identity was stolen and used without my consent, which has led to this fraudulent activity. This issue poses a significant risk to my financial integrity and credit score.

I am seeking your assistance to investigate this matter thoroughly and to help me resolve the issue by removing the fraudulent account from my credit history. Additionally, I would appreciate guidance on further protective measures I can take to secure my personal information. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and assistance. 

XXXX has been difficult to get ahold of as well. I have been trying to also use their website but they are reporting they can not find my SSN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Inflection.com, Inc.
State: UT

Complaint narrative:
I have sent 5 disputes so far letting Inflection know there is outdated and inaccurate information that is over XXXX XXXX XXXX, appearing on my credit report. Record XXXX XXXX XXXX XXXX : Court Name XXXX XXXX XXXX XXXX XXXX case # XXXX. The Disposition, Offense Level and Dates showing! This is affecting my employment and loss of cash flow! In addition Inflection XXXX says Inflection has failed to send updated credit reports to from disputes in XX/XX/year> so they can make a decision. ( See Screenshot )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: TX

Complaint narrative:
I checked my credit profile and noticed that I had inquiries that didn't belong to me.

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 2024-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Hi, I am a victim of internet scam and I needed help and need you to tell Venmo to step in. 

XXXX ) I went to the XXXX marketplace to buy a washer and dryer on Saturday XX/XX/XXXX. 
XXXX ) Once I sent it to their Venmo {$260.00}, they said it was a mistake and asked us to send again. I disputed this with Venmo. 
Days after the money was sent, they shut down their account and never replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
The account number, high balance, payment history, account status, and other data from my SANTANDER CONSUMER USA account is inaccurate and different on all 3 credit bureau reports. Santander has failed to provide documentation of sufficient investigation or to remove the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Midland credit is taking me to court over credit card purchases. Said the account was opened in XXXX. I've not had a credit card since XXXX. Said the total was approx XXXX. They have not provided any evidence as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Received an email from this person/company on Sunday XX/XX/2024 @ XXXX XXXX PST. 

The subject line of the email had my name followed by : ALERT! Special offers just landed This subject line was deceptive and appears as though I was receiving an offer for something for sale. 

Reviewing the email, showed clearly that it was an attempt to collect on a debt by someone who has my name but I have never had any debts for this amount or with the creditors listed. If I did, they are long past any statutes of limitation on being collected on and do not appear on my credit reports. 

My suspicion is that this company, if it is a legitimate debt collector was merely fishing for the person they are looking for who has the same name as mine. 

Emails such as this which contain personal information should be illegal to send out without first confirming that they are sending to the correct person to avoid disclosing sensitive personal credit information to an incorrect and unknown party.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: IL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have been banking with this company since XXXX  started with a checking account then I got savings an credit card long story short they closed my checking account about a year and half ago now because I didn't keep at least {$10.00} in it mind you I was jobless. now that I'm back on my feet an trying to reopen a checking account with them they are denying me and I'm not a first time customer I still have a savings account and a credit card that I pay the bill on monthly SO WHAT IS THE PROBLEM?

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted XXXX XXXX and they requested the account be inserted for a few months and the information hasn't been added to my report. Equifax is not reporting XXXX XXXX charge card that I'm an authorized user on. The account ends in XXXX. It was last report XX/XX/year> and will be reported again in XXXX however Equifax isn't reporting at all.

Company response to consumer: Closed with explanation