vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
Chase Bank ( I verified the numbers online, so I know it was their company ) Called me and asked if i tried to open an account with them. ( Credit Card ). I told them no. When i asked if they did not open the account i did not get an answer. Instead, they told me o had to go XXXX and gave me a case number. ( XXXX ). They then told me they were transferring me to XXXX, and they would handle it from there, The call did not transfer but they did call me back. I asked if they were from Chase or XXXX, and they replied XXXX sent over from Chase. They then went into a 45-minute call about my XXXX number was stolen and my cards needed to be cancelled for 12 months and a long list of Federal Laws they said protected me. Again, another case number XXXX. They claim my XXXX cards needed to be cancelled and my savings and checking accounts needed to be changed. They also told me they were going to save 70 % of my debt because Banks were defrauding me because i was a XXXX XXXX. At this point they wanted to send me to an account Manager. I again asked them who they worked for and got no real response. So at this point I knew Chase had given them personal information without my consent. I am also pretty sure it was a credit counseling they were trying to set me up. I told them at this point that i wanted to stop this till i spoke to my banks. They did not like that and i ended call. XXXX XXXX was the name that rep gave me. XXXX was a number they used. I called the number they contacted me with in the beginning and it went to Chase. It is also the number Chase has online. This was a fraudulant attempt by Chase and they gave away mu info.. They also told me about charges made to my XXXX accounts A XXXX and XXXX XXXX dollar charges. When i contacted XXXX they were not on my accountants

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting wrong balance to my accounts that are paid off and reporting that I owe balances to creditors. I have a XXXX  credit card ending in XXXX that has been paid in full before they updated report, they post to my credit report. Equifax does not contact the creditor they use a data base that is wrong and 30 days behind

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-08-09 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-09 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I found frivolous items on my credit report that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
As recently as XX/XX/year> I have requested debt validation. The amount in question has been obscenely exaggerated and inflated since the original debt was issued. It has since increased however this is not a credit based debt where late payments or interest should accrue or create larger deficits. This is a debt resulting from the move out of an apartment which was left in good condition. However the absurdly {$8000.00} plus cleaning bill that has remained on my credit even after the apartment complex was completely remodeled and renovated is unlawful and against the fair credit reporting act. There are many violations that have been committed over the tenure of this matter. I need to see debt validation to understand how that amount of money can be charged for a move out make ready not to mention that I paid over {$1000.00} in a deposit upon moving into the property that was never refunded. I would like to see how the charges are being processed along with the deduction of my original deposit. I also would like this removed from all 3 reporting beaureu as it can not be validated and in definitely the incorrect amount as I show 2 different amounts on my credit report for this issue. The company in question is XXXX XXXX XXXX It even shows account status closed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB Corporation
State: GA

Complaint narrative:
I requested on XXXX occasions for USCB to verify and validate a debt from XXXX XXXX XXXX. Each time all they did not send the original application with my signature, the itemized statement of fees for the balance they are trying to collect for. The credit bureaus XXXX, XXXX, and XXXX have considered the debt accurate only due to the address and name.

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 2024-08-09 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX is reporting wrong balance to my accounts that are paid off and reporting that I owe balances to creditors. I have a XXXX  credit card ending in XXXX that has been paid in full before they updated report, they post to my credit report. XXXX does not contact the creditor they use a data base that is wrong and 30 days behind

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 2024-08-09 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: FL

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I found frivolous items on my credit report that do not 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 2024-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
10 or more years ago ( unsure about exact date ). I had a {$50.00} stop payment placed on my account for a payment to XXXX. I'm not even certain if was for a XXXX. Anyhow, they did not properly explain, and/or document the changes " Stop payment '' ten plus years ago. 

As to-date I've had 2 or more {$50.00} payments returned by XXXX XXXX ; I was also assessed two or more {$50.00} NSF fee by AMEX. Puzzled by the returned payments and frustrated by the fees I started to dig into what's going on. XXXX XXXX has returned the two {$50.00} payments as of XXXX & XX/XX/XXXX. I guess due to this {$50.00} stop payment from 10+ years ago. Still unsure how it popped up. 

When i called AMEX to ask for forgiveness and the fee waived, I was told its XXXX XXXX 's fault. You need to contact your bank ; we will not waive the fees. About a solid month ago I also asked for the annual fee to be waived for me. I was laid off by XXXX XXXX XX/XX/XXXX after 15 years of service. I considered enrolling in the payment plan to help people but declined after i found out it negatively impacts your credit. I begged and pleaded with the two reps i spoke to that day to waive the enrollment fee, and the first NSF fee. I was strong armed on the phone with Solid NO 's, this is our policy, no forgiveness, the fees are valid. 

Look, I understand, having worked for corporate America. Those fees help your stock price. My first manager would scold me for waiving the {$20.00} phone fee. When I worked my first 3 years in the call center. I felt too much for those people, you could hear the hurt in their voice. This {$20.00} was coming out of something in their monthly budget, part of the light bill, groceries, gas for the week. It was the least I could do. People that fall behind on bills usually juggling a lot. Deciding which bill to pay to avoid disconnected. This has become my case. I haven't been XXXX  this long since before I was a kid. Which is why I also thought AMEX would show compassion in my plight.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I sent in Letters to each of the consumer agencies to update my report with the correct relavant information. they did not delete the outdated, incorrect, irrelevant information. instead they just sent me a letter with the report still reflecting the wrong information

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 2024-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This debt is being held by XXXX for what I was told. They can not locate the account. They cant send me documents on the account. They cant discuss the account with me because its not there. Ive tried numerous times to get the information on this and take care of it, but theyre saying they do not have the debt. I asked him to remove it under the FDCPA and they said they cant remove it. I asked for supervisor they said supervisor cant remove it either. They gave me a number of XXXX to call to see about getting this taken care of. I call that number is disconnected. I called back and the person I spoke to as if they have no knowledge of this at all this number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: MD

Complaint narrative:
I checked my account on XX/XX/year> and found that my account had been substantially overdrawn in which I contacted my banking company XXXX XXXX  XXXX XXXX ) immediately to notify the bank, they agreed that it looked fraudulent and immediately closed out that account and card. They gave me a new account number and new card. Months later I see XXXX XXXX XXXX on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: MD

Complaint narrative:
I checked my account on XX/XX/year> and found that my account had been substantially overdrawn in which I contacted my banking company XXXX XXXX  XXXX XXXX ) immediately to notify the bank, they agreed that it looked fraudulent and immediately closed out that account and card. They gave me a new account number and new card. Months later I see XXXX XXXX XXXX on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I found frivolous items on my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I found frivolous items on my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: TX

Complaint narrative:
As recently as XX/XX/year> I have requested debt validation. The amount in question has been obscenely exaggerated and inflated since the original debt was issued. It has since increased however this is not a credit based debt where late payments or interest should accrue or create larger deficits. This is a debt resulting from the move out of an apartment which was left in good condition. However the absurdly {$8000.00} plus cleaning bill that has remained on my credit even after the apartment complex was completely remodeled and renovated is unlawful and against the fair credit reporting act. There are many violations that have been committed over the tenure of this matter. I need to see debt validation to understand how that amount of money can be charged for a move out make ready not to mention that I paid over {$1000.00} in a deposit upon moving into the property that was never refunded. I would like to see how the charges are being processed along with the deduction of my original deposit. I also would like this removed from all XXXX reporting beaureu as it can not be validated and in definitely the incorrect amount as I show XXXX different amounts on my credit report for this issue. The company in question is XXXX XXXX XXXX It even shows account status closed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief