vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I do not owe this debt. I applied to rent from the original company but NEVER met the qualifications. I did not have a co-signer, did not have enough in saving, had no rental history. I never was given nor signed a lease because I couldnt get past the application for approval because I didnt meet requirements. Months later this was placed on my credit report and I have been fighting it since 2018. I have had ZERO communication from National Credit Systems. I have sent countless emails and mailed them a Debt Validation Letter- I have received NO reply! I am now trying to purchase a home and this-the one and only blemish on my credit report, is hindering the financing approval. I am hoping the CFPB can help get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I have never done business with these companies, these are all fraudulent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: TX

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22 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: TX

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Credit Acceptance is reporting a balance for a car repossession account on my credit reports. However, the company did not follow the laws and provide me with the required state notices after the car was repossessed. The company was required by law to send me a notice about the car being available for sale at an auction or a private sale. The company did not provide this notice. After the car was sold, the company was required to by state law to send me a notice notifying me of the same with a break down of the fees and any balance due. The company did not send this notice either. This is a violation. Due to the company not providing the required state notices, they can not collect any balance from me and can not report a balance owed from me to any credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: AR

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX 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 2023-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to address a matter pertaining to my credit report, specifically regarding late payments associated with my account. After reviewing my credit report, I have identified late payments recorded to my accounts. I understand the importance of maintaining an accurate and up-to-date credit history. I am writing to request the removal or updating of these late payments on my credit report. 
BRIDGECREST XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or BRIDGECRESTcustomer service representative. 
I understand the need for accuracy and fairness in credit reporting, and I appreciate your attention to this matter. I kindly request that you investigate and update my credit report accordingly. 
Thank you for your prompt attention to this matter, and I look forward to a positive resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to bring to your attention a matter of concern regarding the reporting of inaccurate information on my credit report. I recently reviewed my credit report and discovered that the inaccurate information, continues to reflect inaccurate late payments. I had previously addressed and repaired this account, and it is disconcerting to see that inaccurate information persists on my credit report. 

Account Information : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I kindly request that you conduct a thorough investigation into this matter to verify the proper reporting of information on my credit report. I expect that you will take the necessary steps to rectify any inaccuracies promptly. Under the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and up-to-date information on my credit report, and I trust that your bureau will adhere to the legal obligations set forth by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2023, I called a phone number XXXX, I XXXX  on the Internt, thinking it was someone from " XXXX  '', who could assist me in setting up a new NEST camera/floodlight and help with the app installation on my desk top/cell phone. The person requested a debit Card number for identification purposes, assuring me I would not not be charged. I provided my chase ( inactivated ) debit card number and the XXXX digit code. 
In the morning of XX/XX/2023, between XXXX am and XXXX am, he managed to access my computer, pretending to install the app. However, the screen remained XXXX, and I couldn't see anything. This person called multiple times to acquire codes ( From Chase ) and I gave them to him over the phone for the installation of XXXX. Regrettably, I later discovered that he accessed our checking account, wire trasnferring/taking {$18000.00} via the computer and ordering numerious gift cards. 
My wife received an email from Chase regarding a withdrawal and quickly checked her banking account. She saw at least 6 wire transfers pending/going out and approximatly numerous gift card orders. We immediatly visited Chase Bank in person in XXXX around XXXX XXXX  to stop the wire transfers. Although we spoke with a XXXX, they couldn't halt the transactions. The XXXX helped us file claims on XXXX XXXX around XXXX. 
CHASE was able to fully reverse the gift card orders but will not investigate further because we provided codes to the swindler, he tricked me into providing codes for the installation of XXXX, I never authorized anybody to steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am in constant communication with the 3 Consumer Reporting Agencies regarding an Address reported by American Express. According to the credit Bureaus, XXXX XXXX XXXX XXXX XXXX XXXX were falsely reported by American Express. That information is INACCURATE and FALSE. I am demand that American Express contact the ALL 3 Credit Bureaus and have the address removed immediately. If American Express is claiming they did business with someone with a name similar to mine, I am going to file " Identity Theft '' with the FTC because it would be a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: FL

Complaint narrative:
I am in constant communication with the 3 Consumer Reporting Agencies regarding an Address reported by XXXX XXXX. According to the credit Bureaus, XXXX XXXX XXXX XXXX XXXX XXXX  were falsely reported by XXXX XXXX. That information is INACCURATE and FALSE. I am demand that XXXX XXXX contact the ALL 3 Credit Bureaus and have the address removed immediately. If XXXX XXXX is claiming they did business with someone with a name similar to mine, I am going to file " Identity Theft '' with the FTC because it would be a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: FL

Complaint narrative:
I am in constant communication with the 3 Consumer Reporting Agencies regarding an Address reported by XXXX XXXX. According to the credit Bureaus, XXXX XXXX XXXX XXXX XXXX XXXX were falsely reported by XXXX XXXX. That information is INACCURATE and FALSE. I am demand that XXXX XXXX contact the ALL 3 Credit Bureaus and have the address removed immediately. If XXXX XXXX is claiming they did business with someone with a name similar to mine, I am going to file " Identity Theft '' with the FTC because it would be a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in constant communication with the 3 Consumer Reporting Agencies regarding an Address reported by XXXX XXXX. According to the credit Bureaus, XXXX XXXX XXXX XXXX XXXX XXXX  were falsely reported by XXXX XXXX. That information is INACCURATE and FALSE. I am demand that XXXX XXXX contact the ALL 3 Credit Bureaus and have the address removed immediately. If XXXX XXXX is claiming they did business with someone with a name similar to mine, I am going to file " Identity Theft '' with the FTC because it would be a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/2023 I went inside the branch of PNC bank and sent a wire transfer to my daughter. Pnc tried to recall the funds and now are holding around {$8000.00} of my money. They opened an investigation since then and the person doing my investigation is XXXX XXXX. They have been saying they are trying to figure out where my funds came from and ect. I provided them documents and bank statements showing the funds belonged to me. Its been over 2 and a half month and they are still holding my money. When I speak to this women XXXX, she doesnt have a clear answer or explaination on why shes holding my funds. She keeps telling me she will wrap up the investigation and release my funds to me by check but she doesnt pick up her phone calls and overall at this point pnc bank is just holding onto my money without a clear answer or reason why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
The credit card was opened fraudulently by unknown parties who also opened fraudulent bank accounts and other credit card accounts using my personal information and redirected my mail to another address or stole the mail from my box which was a far distance from my house. XXXX XXXX  refuses to accept these facts and continues to claim I owed them money and failed to pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: AL

Complaint narrative:
I disputed an account for XXXX XXXX on my credit report that is reporting an incorrect balance and an incorrect and incomplete payment history. I requested documentation to prove this information and did not receive anything. Yet, the credit bureau is still reporting this account with incorrect, incomplete and unverified information on my credit report. This goes against 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 2023-11-22 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: AL

Complaint narrative:
I disputed an account for XXXX XXXX on my credit report that is reporting an incorrect balance and an incorrect and incomplete payment history. I requested documentation to prove this information and did not receive anything. Yet, the credit bureau is still reporting this account with incorrect, incomplete and unverified information on my credit report. This goes against 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 explanation
Consumer complaint received 2023-11-22 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: NJ

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. XXXX XXXX XXXX XXXX XXXX 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 2023-11-22 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: NJ

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. XXXX XXXX XXXX XXXX XXXX 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 2023-11-22 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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. XXXX XXXX XXXX XXXX XXXX : {$270.00}.

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 non-monetary relief
Consumer complaint received 2023-11-22 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: FL

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. XXXX XXXX XXXX XXXX XXXX : {$270.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/23 my credit card number was used for fraudulent transactions. Many transactions occurred on this date and the credit card company reversed them all. Eventually though XXXX charges for XXXX XXXX appeared back on the card. 

I have called many times and they have credit the money back XXXX  times in total but every time eventually the charges reappear. There appears to be no escalation path to Chase which will allow me to resolve this matter so I am trying here. Below is the series of debits and credits for the three fraudulent transactions ( keep in mind all stemming from the same transaction where I call and complain and they credit back and then debit again without notification ) The amounts fraudulently charged are as follows : XX/XX/23 : XXXX  XXXX XXXX : {$550.00} XXXX XXXX XXXX : {$180.00} XXXX XXXX XXXX : {$79.00} I didn't make these charges. I've never had business with XXXX XXXX XXXX. Remember that there were many other fraudulent charges from that day that were immediately removed - why they insist on not removing these is beyond me but it has been at least XXXX calls and we are not making any progress!

Company response to consumer: Closed with monetary relief