vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I recently received a copy of my credit report and found proof that some inaccurate information was being reported. The following alleged collection/charge off accounts have a pass due balance. This is a violation of the 15 USC 1681 ( e ) B. XXXX  XXXX on XX/XX/2022 Paid the charge off.XXXX  XXXX XXXX on XX/XX/2022 The Charge Off was paid off as well. Gemb/Amazon Charged off account with a balance of XXXX. I requested a 1099c and i never received one. XXXX XXXX, Charged off account witha balance of XXXX. I requested a 1099c and i never received one. XXXX XXXX is reporting a charge off of XXXX. I requested a 1099c and i never received one. XXXX XXXX XXXX in reporting a charge off with a balance of XXXX ( from XXXX XXXX ). I requested a 1099c and i never received one. XXXX XXXX XXXX a collections account with a balance of 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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 non-monetary relief
Consumer complaint received 2024-02-29 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: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX - XX/XX/2022 Last 4 digit SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
So bank of america closed out my account before they did i went into the bank to try to verify my identity to stop it from happening which they denied i see where they are already going through a lawsuit, i've recorded multiple conversations & even spoken with a lawyer as far as getting my law suit started!!! They are denying me to get my funds they closed my account out XX/XX/year> & is telling me to wait until XX/XX/year> to recieve my funds if that's even the correct date. i'm human we are all human i have bills they haven't even gave me a reason a good reason as to why they are holding my funds i've completed every step contacted multiple departments in the bank & even have in recording that the bank wasn't able to hold my funds for so long without reason. I've read up on multiple things recorded multiple conversations where i was told several different things if i don't get those refunds released out of that bank account i can't pay my bills i have a XXXX XXXX XXXX baby i need my money!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-29 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: TX

Complaint narrative:
I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: LA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: SC

Complaint narrative:
I XXXX XXXX is writing this letter because of a debt that was placed on my credit profile by Jefferson capital systems ( XXXX  XXXX ). I was unaware of this debt until it appeared on my credit report. I didn't have the opportunity to assess or dispute this debt. If in fact you believe you gave me proper notification, please send me a copy of the certified receipt with my signature proving delivery and receipt. It is understood that a debt collector has 5 days to put me on notice that they acquired the debt from the creditor. I am to be notified by certified mail or mail with a tracking number advising me of the debt prior to the debt being placed on my credit report. It is my right to be in the position to dispute the debt prior to this debt being placed on my credit report. If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I went to checkfreescore.com to get my 3 credit scores and they charged my debit for {$1.00} to verify who I am. I could only access one as it kept showing that the other two were unavailable. Now a week later and I saw a charge for {$39.00} on my debit card that I didn't authorize so I cancelled my debit card and I am disputing the transaction. I called the company and they tried to claim that I had accepted the ultimate membership and I informed them that I had not and I kept getting the runaround and they refused to issue me a refund! I found that they had done this to numerous other people! 
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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.

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 2024-02-29 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A charge was made on XX/XX/XXXX using my chase debit acct. I called to question the charge, the charge for {$89.00} was credit back to my acct., the card was cancelled and a new one was sent via mail.We tried reaching out to the merchant on the phone and e-mail provided but none were good. Someone answered on the phone but was someone else. We then knew it was a scam and a fraudulent web site. Today XX/XX/XXXX the charge was reversed towards my acct. I spoke w 3 reps from chase in regards to helping me w this matter but got no help. I dont know any company named XXXX and I didnt purchase anything from them. Ive explained when searching this merchant it appears as a scam. They said I cant file another claim Ive asked proof of merchandise been delivered and they can not provide that they said to contact XXXX which I cant get through to speak w anyone to help me. I live off one fixed income which is XXXX and {$89.00} is a big deal for me to loose. Please help me resolve this issue as chase wont. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Michel Law, LLC d/b/a Level One Law
State: NY

Complaint narrative:
I enrolled with the debt solution company Level One Law in XX/XX/XXXX. They stated and was going to help me with my high credit card balances with the credit card companies.They informed me that they will work with the various credit card companies I enrolled in this program. The use the company XXXX XXXX to managed my funds deposited every month into this account. In total they received from me since XXXX, XXXX {$4800.00}. XXXX. The were taken approximately {$980.00} per month.I since requested a full refund as of XX/XX/XXXX. I informed them I wanted to opt out of this program and wanted my funds returned to me ( As I am able to do as per the contract I signed ) This request went to them back in XX/XX/XXXX. I am still awaited a refunded of my deposited monies from the XXXX XXXX account. Level One Law contacted About XXXX weeks ago Level One Law contacted and stated my refund will take place in about XXXX weeks. Please reach out to them and seek a follow up with my complaint. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2024-02-29 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: PA

Complaint narrative:
Dear CFPB, I am writing to address an ongoing issue that requires urgent attention. Despite repeated attempts and seven letters submitted, it has come to my notice that the following accounts, which have long been removed from XXXX, still persist on my credit report with XXXX and Experian. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I urgently request that you take immediate action to rectify this situation by promptly removing these inaccurate accounts from my credit report. The extended presence of these accounts is negatively impacting my credit profile and causing unnecessary distress. 

I appreciate your prompt attention to this matter and expect a swift resolution. Please confirm once the necessary corrections have been made.

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 2024-02-29 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: FL

Complaint narrative:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquiry XXXX, Experian, and XXXX, of the removal of these fraudulent inquiries to ensure the accuracy of my credit file. I am also seeking written confirmation of the investigation results and any actions taken to rectify this matter. According to the FCRA, you are obligated to provide me with a written response within 30 days of receiving this dispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ). Please be advised that any failure to comply with the FCRA 's provisions may result in legal action and reporting of your non-compliance to the appropriate regulatory authorities.

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 2024-02-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My home mortgage was acquired by Chase ( without my consent, approval and contrary to my wishes ) and since then, Chase claimed that the prior carriers escrow analysis was in accurate and I would need to make a rather large payment to be in good standing. Since I have more than 20 % equity I closed out my escrow account and opened an account with a better bank who is now paying me a market interest rate ( verses almost XXXX  interest ) and make XXXX payments each month, XXXX to Chase for the mortgage ( p & i ) and the other to another bank for the monthly escrow account ( for the property taxes ). 

The problem now is a real killer, is that a customer in the USA can never speak directly to someone in the USA ; as Chase uses a call center located in a XXXX XXXX XXXX. In talking with Chase they are unwilling to provide me with a USA based call center or representative to reach out to should a problem arrise, without having to go through being verified and then explaining why I am requesting a representative in the USA before even possibly being transferred. This action is wasteful, degrading, discriminatory and insulting.

The reps have a hard time understanding simple English spoken questions that are without an accent or speech impairment. Plus being forced to deal with entities outside of the USA subjects my information to additional hackers and individuals that are not subject to US laws or criminal action. Again, Dealing with their current center is demeaning and wasteful of time. 

I have filed a complaint with the XXXX  and will continue filing complaints with any organization and governmental agency until Chase provides a US based call center contact information to me.

Visiting my local Chase bank was not an option per Chase Executive Offices. If I could move my 2.75 % fixed rate mortgage to another company for service, I would.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: LA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
Jefferson Capital Systems has been reporting an erroneous account to my credit file. They are falsely accusing me of owing them {$790.00}. I have never had any account with Jefferson Capital Systems. Also, I have no relationship with them.They cant provide me with any agreement that I may have signed with Jefferson Capital Systems simply because it does not exist.. This is clearly a fraudulent act on the part of Jefferson Capital Systems. Because of their ruthless and illegal practices my credit score, as well as my life, will be impacted negatively. Please resolve this immediately. Cease and desist. Remove from all CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I'm getting multiple messages and phone calls from family members and non family members who share my last name saying XXXX  is calling them stating I owe money and asking them to pay. But when I call the company and ask if they're calling others and giving my information to others they won't answer me. They will tell me numbers associated with my account and besides my number it's constantly different numbers associated to my account and it's numbers I've never heard of. I've had the same number for over a decade.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: TX

Complaint narrative:
Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days.

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 2024-02-29 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:
Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days.

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 2024-02-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern the XXXX XXXX XXXX and the company XXXX XXXX XXXX is now entering pre-arbitration. This arbitration is requested in pursuant to 15 U.S.C 6802- Obligations with respect to disclosures of personal information. Per our conversation through mail and the CFPB I XXXX XXXX, the original creditor in Good Faith initiate pre-arbitration with your company ( TransUnion ) due to the negligence and aggravated Identity Theft found within my Consumer Report from your company. In pursuant to 15 U.S.C. 1692k I am owed XXXX for each missed payment found within my Consumer Report ( 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 2024-02-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was forced to close my saving account with USbank and then I was denied to receive {$490.00} interest that was posted in my account. To find out why, on XX/XX/XXXX, I went to my USbank branch and asked the Manager why I did not receive the interest. The Manager asked me why I closed the account. I explained him that I could not transfer money on line to an external bank so on XX/XX/XXXX, I came to the bank for help. His staff reviewed my account and told me it is probably type of account that doesn't let me to transfer large amount of money. This statement was contrary to what I was told at the time of opening the account. The manager asked me again why I did not get offer for a casher check or even cash. I said they did not offer me that options so I was forced to close my account. Then he mentioned that this branch was a XXXX XXXX  and since XXXX of XXXX, became a USbank and that some staff are not up to the new rules and regulations. Then I asked for a dispute. He replied he will not open a dispute because the bank has not done anything wrong. I really did not expect these statements or actions from the USbank, the 5th biggest bank in the U.S.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Diaz & Associates, Inc.
State: CA

Complaint narrative:
I have fallen victim to identity theft. I am not liable for the debt associated with XXXX. 
I do not possess a contractual agreement with Diaz & Associates Inc, they have failed to furnish the requested original contract as I requested.

Company response to consumer: Closed with explanation