vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Received phone call from XXXX XXXX who stated I owed money XXXX Chase Bank, which I do not. 
I have previously verified I have no debt with Chase Bank from two different Chase Bank representatives. 
I do not know of any debt, and the last time I was contacted about this was over 7 years ago, so if I ever had a debt balance with Chase Bank, threatening to sue me without notification by mail is illegal. 
I believe this caller to be a debt collection fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: AL

Complaint narrative:
I HAVE REATTACHED THE FTC AND ADDITIONAL DOCUMENT TO SUPPORT MY DISPUTE ON ACOUNTS XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX THAT SHOULD BE REMOVED ON MY 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 2024-08-10 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I did not authorize any of these companies to run my credit & would like them to be removed

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 2024-08-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Submitted an online order thru XXXX for an XXXX refrigerator in the amount of {$2400.00} on XX/XX/XXXX using Lowe 's card handled by Synchrony Bank. Item arrived damaged on XX/XX/XXXX and never left the delivery truck as we refused it due to the damages. XXXX could not provide a timely delivery so we cancelled the order on XX/XX/XXXX and purchased the refrigerator from XXXX XXXX. XXXX has continued to bill for this undelivered/cancelled item and, after multiple disputes thru Synchrony Bank , will not credit the card for this item. When pressed for proof of delivery, XXXX has provided a signed form showing refrigerator loaded into delivery truck in NJ ( not our house ). And also provided a picture of " delivered refrigerator '' that shows someone else 's kitchen and a refrigerator that is not even the brand ordered ( XXXX ). Multiple conferences calls including XXXX and Synchrony resulted in XXXX verbally stating the item was not delivered to us and order was cancelled but they have no way of faxing this information to Synchrony and Synchrony requires this information in writing via fax. Again, this has gone on for 14 months and we have spent over 20 hours on the phone trying to resolve this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: TX

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT.PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT THEY ARE HURTING MY CREDIT SCORE.

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 2024-08-10 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: FL

Complaint narrative:
I just recently looked at my credit report XX/XX/year> I saw some hard inquiries that did not have permissible purpose. I also attached evidence 1. [ XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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 2024-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To Whom It May Concern : I am writing to you today as a customer of Citi Bank since 2007. In this period I have never, once, updated my card agreement with Citi and have always paid in accordance with the agreement ; however, in the last year or so Citi Bank has been applying an APR to my account of 29.24 % which is not congruent with the card agreement we have in place. 

The maximum rate justified under the terms of our agreement, as adjusted by the applicable index, is 11.74 %. 

Citi Bank should not be able to unilaterally increase a rate beyond the contours of the contract, especially not by 249 %. 

Please investigate Citi 's non-conformance with their contractual obligations, and redress. 

Best, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the accuracy of an item that has recently reappeared on my credit report. Specifically, the negative item reported by XXXX XXXX XXXXXXXX has reappeared without any notification, contrary to the protections afforded to me under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
Relevant Information : This negative item was previously removed from my credit report. 
I was not notified of its reappearance, which is a violation of the FCRA 's requirements for consumer notification. 
\ Details of the Disputed Item : Account Name : XXXX XXXX XXXXXXXX Notification to the Consumer : If the item is reinserted, the credit reporting agency is required to notify you within XXXX business days. The notice must include the following : That the item has been reinserted. 
The name, address, and telephone number of the creditor or furnisher of the information. 
Your right to request a free copy of your credit report and to add a statement disputing the accuracy or completeness of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the accuracy of an item that has recently reappeared on my credit report. Specifically, the negative item reported by XXXX XXXX XXXXXXXX has reappeared without any notification, contrary to the protections afforded to me under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
Relevant Information : This negative item was previously removed from my credit report. 
I was not notified of its reappearance, which is a violation of the FCRA 's requirements for consumer notification. 
\ Details of the Disputed Item : Account Name XXXX XXXX XXXX XXXXXXXX Notification to the Consumer : If the item is reinserted, the credit reporting agency is required to notify you within five business days. The notice must include the following : That the item has been reinserted. 
The name, address, and telephone number of the creditor or furnisher of the information. 
Your right to request a free copy of your credit report and to add a statement disputing the accuracy or completeness of the 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 explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I received a check from Wells Fargo stating there was an error on my approved and finalized loan modification. 
The amount of the check is {$1000.00}. 
How do I know if this is the total amount of the errors, or if this amount is some type of settlement. 
It states I can participate in mediation if I do not agree with the amount. However, I have no idea how they arrived at the amount that was sent to me. 
Do I just assume the amount is correct and deposit the payment? 
I have never been contacted previously regarding any of this 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 explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: HI

Complaint narrative:
I had disputed with Acima before, I am now requesting that they provide me with the contract and all statements so I can verify the amount that I allegedly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am unable to pull my Experian report because my credit file has no address attached to it. I have sent in documents supporting my identity

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 2024-08-10 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: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to formally dispute the unauthorized acquisition of my bankruptcy records, which I believe were obtained illegally by LexisNexis. According to 15 USC 1681a ( 4 ), I have the right to privacy regarding my personal and financial information, including bankruptcy records. I assert that the disclosure of these records to LexisNexis was not authorized by me, nor do I recall providing consent for this access. 

Please provide me with the following information to clarify this matter : Details of the Access : Information on how and when LexisNexis obtained my bankruptcy records.

Source of Information : The name of the entity or individual who provided these records to LexisNexis.

Verification of Authorization : Documentation proving that I authorized the release of my bankruptcy records to LexisNexis. 

Should you require further information from me to resolve this issue, please contact me at the phone number or email address listed above. I expect a response within 30 days from the date of this letter. If I do not receive a satisfactory response, I will have no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, 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 2024-08-10 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: AL

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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The list of accounts below, have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I looked at my EXPERIAN credit report, XXXX credit report and XXXX credit report. I will be providing my DRIVERS LICENSE, as proof of who I am, and ONLY ADDRESS of where I live.

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 2024-08-10 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: TX

Complaint narrative:
XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. All the credit cards below have a XXXX balance. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$200.00} In good standing XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX  {$430.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX  {$2500.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX  {$1300.00} In good standing XXXX XXXX Reported : XXXXXXXX XXXX XXXX XXXX XXXX {$500.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$0.00} In good standing XXXX XXXX XXXX Reported : XXXX. XXXXXXXX XXXX XXXX {$470.00} In good standing XXXX XXXX  Reported : XXXX XXXX XXXX XXXX {$0.00} In good standing XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX  {$230.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX  {$0.00} In good standing XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX  {$5500.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$3600.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$1300.00} In good standing XXXX XXXX XXXX Reported : XXXXXXXX XXXX XXXX XXXX {$3300.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX  {$510.00} In good standing XXXX Reported : XXXX XXXX XXXX XXXX {$860.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$740.00} In good standing XXXX XXXX Reported : XXXX. XXXX XXXX XXXX {$160.00} In good standing XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX  {$200.00} In good standing XXXX XXXX XXXX XXXX  Reported : XXXX XXXX XXXX XXXX {$410.00} In good standing Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief