vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I HAVE XXXX CHASE CREDIT CARDS AND I MADE ELECTRONIC PAYMENTS ON BOTH ACCOUNTS ON XX/XX/24 ; THE PAYMENT MADE ON THE CREDIT CARD ENDING IN XXXX WAS XXXX AND AT THAT TIME THE BALANCE DUE WAS XXXX BECAUSE I MADE THE PAYMENT ON XX/XX/24 AND THE PAYMENT WAS NOT DUE UNTIL XX/XX/24, I WAS CHARGED FOR FAILING TO MAKE MY MONTHLY PAYMENT ON THE ACCOUNT THE ACCOUNT WAS UP TO DATE AND HAD BEEN PAID ELECTRONICALLY THE MONTH BEFORE THE EXPLANATION GIVEN BY CHASE WAS THAT MY XX/XX/24 PAYMENT WAS 'EARLY ' AND WAS NOT CREDITED TO THE AMOUNT DUE ON XX/XX/24 WHICH WAS THE BEGINNING DATE OF THE CREDIT CYCLE - EVEN THOUGH I HAD OVERPAID THE BALANCE DUE. 
I WAS CHARGED A LATE FEE BECAUSE I DID XXXX MAKE ANOTHER PAYMENT ON THAT SAME BALANCE BETWEEN XX/XX/24 AND XX/XX/24.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I received a letter today from XXXX XXXX XXXX out of XXXX FL claiming that I owe a debt for a payday loan. I dont recall taking out this payday loan. I contacted the creditor they listed on the letter and the creditor stated they can not locate any of my information or debt owed in their system and suggested its a scam. This letter is threatening, claiming to file a civil judgement against me and they could run a hard inquiry on my credit, they even have incorrect information on the letter about me regarding my credit score. I have already been a victim of identity theft at least twice, and i have police reports for those. When you look up their address, its a post office.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: MA

Complaint narrative:
My XXXX reports are inaccurate. These inaccuracies are causing XXXX to deny me XXXX. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: WA

Complaint narrative:
That really seems unprofessional and probably why XXXX hard to accomplish because it's your job to let me know because this i XXXX agreement you settled for me and yet you didn't notify me seriously

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 2024-03-05 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: OH

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXXXXXX Balance : {$540.00} ; XXXX XXXXXXXX Balance : {$34.00}.

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 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to you regarding a fraudulent account that has appeared on my credit report. After reviewing my credit report, I have discovered an account that I did not open or authorize. This account is clearly the result of fraudulent activity, and I demand that it be removed from my credit report immediately. XXXX XXXX XXXX XXXX XXXX and 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 2024-03-05 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: CITIBANK, N.A.
State: KY

Complaint narrative:
Hello. I completed my first FTC report on XX/XX/23 and submitted it to the credit bureaus as requested. No resolutions have been completed. I began to pull my own credit reports in preparation of obtaining a mortgage to buy my first home. I wanted to make sure there were no inaccuracies. To my surprise, I found several unauthorized and unverifiable inquiries across all XXXX credit bureaus. In accordance with 15 U.S.C. 1681 there should not be any damages on my report and is a defamation of my character and demonstrates that I have requested to apply for credit from companies that I have not. I contacted the creditors directly, the credit bureaus directly and nobody wants to remove them and do the right thing. I created a new FTC report today. This is impacting my ability to provide a home for myself and my children in a timely manner. The resolution desired is to remove all of the inquiries immediately

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I do not approve these requests and they are of no relevance to my financial operations. I'm demanding that they be removed from my credit report ASAP.

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 2024-03-05 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: TX

Complaint narrative:
Im requesting for all student loan to be removed from my credit report per 20 USC 1232 ( g ) 5 USC 552 ( a ) ( 34 CFR 99 ) and The Private Act Of 1974 ( FERPA )

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 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccuracies and fraudulent accounts that need reporting and correction through your company.

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 2024-03-05 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: EQUIFAX, INC.

Complaint narrative:
I placed a freeze with Equifax on XX/XX/XXXX, and was given a PIN to use to lift the freeze at a later date. Earlier this year ( XX/XX/XXXX ) when I called to have the freeze lifted I was informed over the phone that the PIN system is no longer used, and since I dont have a social security number ( I'm not a XXXX XXXX ), they could use my individual tax identification number ( ITIN ). I was instructed to make my request by mail with copies of the following documents enclosed to verify my identity : ITIN renewal letter from IRS, Credit card statement with current XXXX mailing address, Current drivers license, The above documents were provided by mail, and a few weeks later I received a response in the mail saying that without a SSN they could not remove the freeze. I called them again, and spoke to a supervisor who told me there was nothing they could do now that they no longer use the PIN system and that the report could not be unfrozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: WA

Complaint narrative:
I have been paying all my bills, etc on time for months and my XXXX XXXX still stays a lot lower than it should. This has been effecting my ability to get credit severly. Experian hasn't acted on my request to encrease my score.Please help me to get this fixed .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 2024-03-05 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:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
I have been deceived and lead to believe that an ongoing dispute I have with XXXX XXXX XXXX through their agent Kings Credit Services was a disputed account but according to my credit report ; on XX/XX/XXXX Kings Credit Services reported a Collection/Chargeoff with a derogatory account status to my credit report. The collector never told me they would change and override the status from dispute to a negative/derogatory account, which has consequently damaged my report. This is a violation of Fair Credit Reporting ( FCRA ) by their act of dishonesty and failure to notify me of this action which also overrides my dispute and changes its status to derogatory which is damaging. 
Not only is this a violation of my rights as a consumer ; along with lying, they have used manipulative, deceptive tactics. The debt collector has even attempted to reverse my dispute demands by simultaneously failing to render receipts as evidence of a carpet shampooing charge and brazenly tells me that the landlord requests proof of receipts of this charge on my part This kind of reversal and manipulation is exploitative, reminiscent of the landlord and their reputation. 
I have substantiated my claims with photographic evidence of the carpets which I will, again, attachof the before and after my tenancy ; the landlord can not charge someone for turnover costs that constitute ordinary wear and tear. My tenancy lasted for less than a year ( XXXX XXXX- XXXX XXXX ) and I have clear photographic evidence ( with dates included ) of these carpets being left in a pristine conditiontherefore with receipts involved or not, they can not validly charge me for this. 
The alleged debt is a fruit of the exploitative practices of the landlord in question. I will not allow further manipulation and deception. 
Highlighted in my demands, Ill state again that I properly gave my 30-Day Notice to Vacate which was dropped off in person at the landlords main office ; validated by my presence and signature as well as the precondition for a XXXX-balance on the account, it was dated, and I had a witness ( co-tenant ) present, along with the co-tenants signature. Also highlighted is my detailing of the explicit instructions written on my Notice for prorated rent to be drawn from the available funds of the {$1100.00} security deposit. Ill attach a copy of the 30-Day Notice once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have consistently maintained XXXX  payments, so I find it perplexing to discover an error in my XXXX 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 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
15 USC CODE 1681S-2 Showing that this account is open on my credit file which is a violation, company has failed to provide any signed documents with my signature and or Identification proving this debt to be mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: MI

Complaint narrative:
I was checking on my credit report and while I was looking I noticed inquiries that are not mine on there

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 2024-03-05 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-05 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: OH

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: GA

Complaint narrative:
I recently received a copy of my credit reports, and I noticed several inaccurate accounts and discrepancies that are showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are allegedly listed as being DELINQUENT and/or NEGATIVE, and they are negatively affecting my credit file. I have submitted several complaints to the FTC and CFPB regarding these matters. I am also a victim of identity theft and I have submitted all necessary documentation to support this issue with each bureau. 
I am not liable for these accounts. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX show payment and active dates that are inaccurate for ALL bureaus. This information is inaccurate and has not been verified with any documentation to support its status. I have not been notified and it has been BEYOND 30 days for these inaccuracies to be resolved. THESE ACCOUNTS MUST BE DELETED! 
The bureaus are in clear violation of the law. 
First, 15 U.S.C. 1681A states that I have a right to privacy.

Second, 15 U.S.C. 1681B states that a consumer reporting agency can NOT furnish an account without MY written instructions.

Third, this is a violation of 15 U.S.C. 1681i ( 5 ) - Removal of Inaccurate/Invalidated credit information. ALL LISTED ACCOUNTS ARE REFLECTING INACCURATE AND INVALIDATED INFORMATION!

ITEMS HAVE BEEN DELETED AND READDED TO MY CREDIT FILE, AND THIS IS ILLEGAL! YOU CAN NOT DELETE AN ITEM AND ADD IT BACK ONCE IT IS DELETED FROM A CREDIT REPORT!

YOU ARE ALSO VIOLATING FCRA SECTION 609 ( A ) ( 1 ) AND SECTION 623 ( A ) ( 5 ) - YOU HAVE NOT PROVIDED ACCURATE DATES OF DELINQUENCY ON THE CHARGE OFF/COLLECTIONS AND THE YOU HAVE ILLEGALLY REAGED THESE ACCOUNTS. ILLEGAL REAGING IS A VIOLATION AND IS ILLEGAL UNDER 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 2024-03-05 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: GA

Complaint narrative:
I recently received a copy of my credit reports, and I noticed several inaccurate accounts and discrepancies that are showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are allegedly listed as being DELINQUENT and/or NEGATIVE, and they are negatively affecting my credit file. I have submitted several complaints to the FTC and CFPB regarding these matters. I am also a victim of identity theft and I have submitted all necessary documentation to support this issue with each bureau. 
I am not liable for these accounts. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX show payment and active dates that are inaccurate for ALL bureaus. This information is inaccurate and has not been verified with any documentation to support its status. I have not been notified and it has been BEYOND 30 days for these inaccuracies to be resolved. THESE ACCOUNTS MUST BE DELETED! 
The bureaus are in clear violation of the law. 
First, 15 U.S.C. 1681A states that I have a right to privacy.

Second, 15 U.S.C. 1681B states that a consumer reporting agency can NOT furnish an account without MY written instructions. 
Third, this is a violation of 15 U.S.C. 1681i ( 5 ) - Removal of Inaccurate/Invalidated credit information. ALL LISTED ACCOUNTS ARE REFLECTING INACCURATE AND INVALIDATED INFORMATION! 
ITEMS HAVE BEEN DELETED AND READDED TO MY CREDIT FILE, AND THIS IS ILLEGAL! YOU CAN NOT DELETE AN ITEM AND ADD IT BACK ONCE IT IS DELETED FROM A CREDIT REPORT! 
YOU ARE ALSO VIOLATING FCRA SECTION 609 ( A ) ( 1 ) AND SECTION 623 ( A ) ( 5 ) - YOU HAVE NOT PROVIDED ACCURATE DATES OF DELINQUENCY ON THE CHARGE OFF/COLLECTIONS AND THE YOU HAVE ILLEGALLY REAGED THESE ACCOUNTS. ILLEGAL REAGING IS A VIOLATION AND IS ILLEGAL UNDER 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 explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
After reviewing a copy of my XXXX XXXX report, I have came across a few inaccuracies. I understand that mistakes may happen, but these types of mistakes are XXXX damaging to my chance of owning a XXXX, getting a XXXX with a XXXX XXXX  or even XXXX XXXX. I was denied use of my XXXX recently that brought this to my attention. I have researched the XXXX process and I am aware that you must complete your investigation within a XXXX time frame. 

XXXX Information The correct and only spelling of my name is XXXX XXXX XXXX XXXX REMOVE all other inaccurate information. 

REMOVE any XXXX other than XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inaccurate accounts XXXX. The XXXX are in XXXX on accounts. 
XXXX. The date of the XXXX XXXX are inaccurate. 
XXXX. The date XXXX are inaccurate. 
XXXX. The XXXX XXXX is incomplete on accounts. 
XXXX. The XXXX XXXX is incorrect. 
XXXX. The XXXX XXXX is incomplete and inaccurate. 

XXXX XXXXXXXX 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 XXXXXXXX Also I do not or have not done any business or have an XXXX account with any of these people. 

Inaccurate Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please take the time and consideration to remove the incorrect information from my XXXX report XXXX within our XXXX struggling the way that it is, I can not afford to have inaccurate information negatively affecting my XXXX XXXX. I will await an updated copy of my XXXX report to reflect these changes within XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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