vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: CO

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance Owed : {$0.00} XXXX, XXXX XX/XX/year> XXXX XX/XX/year>

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 2024-11-20 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: NV

Complaint narrative:
I experienced unexpected financial hardship due to [ briefly explain, e.g., medical expenses, job loss, or other personal circumstances ]. This temporary situation affected my ability to make timely payments on my account. I have since taken steps to address the issue and resume regular payments.

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 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal keeps on letting frauds use a missing debit card. First time I had already closed the card and ordered a new one. Several attempts came through. I closed my account and months later they are still processing these attempts. I'm not sure what scam they're are running but this needs to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: VA

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 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 2024-11-20 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: VA

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 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 2024-11-20 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am responding to your recent communication regarding an alleged debt you claim I owe. This is not an acknowledgment or acceptance of liability for this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you validate this debt by providing detailed information and documentation regarding its origin and your right to collect it.

Specifically, I request the following : 1. The name and address of the original creditor.

2. A copy of the original agreement or contract that created this alleged debt.

3. Documentation showing that you are legally authorized to collect this debt, including a copy of the assignment or purchase agreement between your agency, the original creditor, or any intermediary parties. 
XXXX. A detailed account of the amount claimed, including principal, interest, fees, and other charges. 
5. Proof that the debt is within the applicable statute of limitations for collection.

Until I receive this documentation, I request that all collection efforts, including reporting this alleged debt to credit reporting agencies, cease immediately as the law requires.

Please note that I am keeping records of all communications related to this matter. Failure to provide the requested documentation will result in a debt dispute and may be reported to the appropriate authorities for further action.

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
To Whom It May Concern, I am responding to your recent communication regarding an alleged debt you claim I owe. This is not an acknowledgment or acceptance of liability for this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you validate this debt by providing detailed information and documentation regarding its origin and your right to collect it.

Specifically, I request the following : 1. The name and address of the original creditor.

2. A copy of the original agreement or contract that created this alleged debt.

3. Documentation showing that you are legally authorized to collect this debt, including a copy of the assignment or purchase agreement between your agency, the original creditor, or any intermediary parties.

4. A detailed account of the amount claimed, including principal, interest, fees, and other charges.

5. Proof that the debt is within the applicable statute of limitations for collection.

Until I receive this documentation, I request that all collection efforts, including reporting this alleged debt to credit reporting agencies, cease immediately as the law requires.

Please note that I am keeping records of all communications related to this matter. Failure to provide the requested documentation will result in a debt dispute and may be reported to the appropriate authorities for further action.

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-11-20 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: CA

Complaint narrative:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$1400.00} Balance updated XX/XX/year> Original balance {$1400.00} Account info Account number XXXX Date opened XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXXXXXX XXXX  {$15000.00} Needs Attention Overview You have 100 % left to pay on this real estate loan. 
Balance $ 15043 Monthly payment Opened Term Highest Balance {$1600.00} {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX Balance details 0 % paid off Balance {$7400.00} Balance updateXXXX XXXX XXXX XXXXXX/XX/year> Original balance {$7200.00} Account info Account number XXXX  Date opened XX/XX/year>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 2024-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/year> I scheduled an XXXX XXXX XXXX XXXX XXXXXXXX XXXX via XXXX XXXXXXXX XXXX XXXX  ) However, during my appointment on XX/XX/year> the attending XXXX began asking me questions regarding who my XXXX is... etc and then as she began entering selections in the system as she said " ... lets see what happens ... '' Afterwards I began receiving billing for payment request for services I didn't sign up to receive. 

After calling XXXX they refer me to XXXX XXXX ; when I call XXXX they say call billing..etc. Furthermore, XXXX has not correctly reported my cXXXX XXXX XXXX  that was done on XX/XX/year> due to this billing inaccuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase had an offer in their " Chase offers '' section for XXXX XXXX credit card which was supposed to give {$100.00} cash back on a {$500.00} or above purchase made through Chase Travel portal before XX/XX/XXXX. I activated this offer on my credit card in XXXX and made a purchase of {$570.00} on XX/XX/XXXX. As per the terms of the offer, the credit was supposed to post as a cash back to my account within 14 business days. However, this has not been credited to me yet. 

I called them on XX/XX/XXXX to check on the offer but it wasn't yet 14 business days, so they confirmed that my purchase qualifies and asked me to wait which is understandable. So I called back on XX/XX/XXXX and they created an escalation to follow up on the offer. They confirmed again that the purchase qualifies and that the cash back should have posted. They asked me to wait for 5-7 business days. But again, I didn't receive the credit. So I called again on XX/XX/XXXX and they told me that the marketing department had not commented on it and they said they escalated it again with higher urgency and to wait another 5-7 days. So I called again on XX/XX/XXXX and then on the XXXX and got the same response. At this point, I have waited far too long and called too many times without any resolution and the same response from Chase customer service saying that they have escalated with higher urgency and I should get a response in 5-7 days. But I no longer trust them to get back to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am writing to express my concern regarding the interest charges applied to my account following a loan I took in XX/XX/2022 with a 24-month repayment term at 0 % APR. 

The loan statements I received included two lines : 1 ) Minimum Payment 2 ) Save on Interest Payment To ensure timely repayment within the stipulated term, I set up automated payments based on the " Save on Interest Payment '' amount, believing this would fully cover my balance within the 24 months. Additionally, I made a partial payment during the term to expedite repayment, further demonstrating my intention to settle the balance as quickly as possible. 

Despite these efforts, I was unaware of an outstanding balance of {$3000.00}, which I inadvertently missed due to the confusing wording of the statement. As a result, a significant interest charge of $ XXXX has been applied to my account, shocking both me and my family. 

Please note that my credit history of 7+ years in the U.S. reflects 100 % on-time payments, and I missed this payment by only one week. I believe this was an honest misunderstanding, and I kindly request that you review my payment track record and consider waiving the accrued interest charges. 

I deeply value my relationship with COMENITY - XXXX XXXXXXXX bank and hope this situation can be resolved amicably. Thank you for your attention to this matter, and I look forward to your favorable response. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: WA

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 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 2024-11-20 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: WA

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 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 2024-11-20 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: AL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of all fraudulent accounts and inquiries listed in my credit report as a victim of identity theft and data breach. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which provide protection for identity theft victims. 
I have identified the following accounts and inquiries that are not mine and were fraudulently opened or conducted without my authorization : Fraudulent Accounts 1. XXXX XXXX - XXXX - XX/XX/XXXX - {$220.00} 2. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} 3. XXXX  - XXXX - XX/XX/XXXX - {$370.00} 4. XXXX  - XXXX - XX/XX/XXXX - {$160.00} 5. XXXX  - XXXX - XX/XX/XXXX - {$950.00} 6. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$950.00} 7. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$370.00} 8. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$160.00} 9. XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} 10. XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} 11. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} 12. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} 13. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} Fraudulent Inquiries 1. XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX  - XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. XXXX - XX/XX/XXXX 6. XXXX XXXX  - XX/XX/XXXX 7. XXXX  - XX/XX/XXXX 8. XXXX  - XX/XX/XXXX 9. XXXX XXXX - XX/XX/XXXX 10. XXXX XXXX - XX/XX/XXXX 11. XXXX XXXX - XX/XX/XXXX 12. XXXX XXXX - XX/XX/XXXX 13. XXXX - XX/XX/XXXX 14. XXXX - XX/XX/XXXX 15. XXXX - XX/XX/XXXX 16. XXXX - XX/XX/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 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: IN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against U.S. Bank for their failure to resolve an issue regarding funds from a closed account. For over two years, I have been trying to obtain the money owed to me from this account, but despite my numerous attempts to resolve this matter, U.S. Bank has not provided a satisfactory resolution. Below are the details of my complaint : Issue Summary : After closing my account with U.S. Bank, they issued me a check for the remaining balance. However, the check has never been cashed or deposited. I have repeatedly requested a replacement check or an alternative means to access my funds, but U.S. Bank has refused to issue a new check. 

Communication History : On XX/XX/XXXX, I received an email from their social media customer service representative ( XXXXXXXX  ), stating that such requests from another bank could take up to a year. This was already over two years into my waiting period with no resolution. 
The representative offered no timeline or proactive solution to address my concerns. 
Impact : This unresolved matter has caused me significant frustration and inconvenience. I have waited far beyond a reasonable timeframe for a simple replacement check, and I feel that my concerns have been ignored. 

Desired Resolution : Immediate issuance of a replacement check or an alternative method to access my funds. 
Clear communication regarding the status of this issue.

Assurance that this matter will be resolved promptly without further delay. 
I appreciate your assistance in investigating this matter and holding U.S. Bank accountable for their lack of response and resolution. Please let me know if additional information or documentation is needed. 

Sincerely, 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 2024-11-20 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: NM

Complaint narrative:
I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint mortgage incorrectly reported a 60-day late payment for the month of XX/XX/year> to all three credit agencies. Shellpoint has reversed the late payment for my husband ( XXXX XXXX ), but not myself. I am requesting that Shellpoint Mortgage reverse the incorrect late payment to all three credit agencies as soon as possible ( XXXX and 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