vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have been a good member before Covid. I lost my phone and majority of my credit card was maxed as it was difficult for me to get a new job due to Covid and I ended up becoming homeless. 

Date : XX/XX/2023 CHASE BANK XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX. CHASE CUSTOMER SERVICE - DISPUTE PROCESSING Re : To Whom It May Concern, Please accept this letter as my request to remove all/any negative items ( late payments ) from my credit report ( XXXX, XXXX, XXXX, XXXX, etc. ). In support, I want to state the following : First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer with exceptional payment history, paying on time and accepting all your company conditions. Unfortunately, I went through a financially tragic moment where I lost my job due to C O V I D - 19, and as a result, I missed several payments. 
According to the law I have my right to dispute what I consider unfair, and I consider it unfair that I tried to communicate with your banking institution representatives on several occasions and the answer was that late payments would never be removed from my account, I tried to explain my situation to continue being a client and constantly paying but the answer was always negative in trying to help me. I would have my payments made on time if this had never happened, now reflecting an unfair credit report from me. 
To make your process of deletion easier, please find the late payment dates below ( which I would like removed ) : XXXX I appreciate your time and consideration. Please, contact me by physical address/mail or email only, which are both verified and linked to the account I hold with you. 
Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX Maryland XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
I am writing to dispute opened fraudulently accounts in my name. I am a victim of identity theft, and I did not open account number ( give number of fraudulent account ). I am not responsible for any charges made to this account. 
SUNRISE CREDIT SERVICE 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 explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: NJ

Complaint narrative:
XXXX. it all started with XXXX my son needed his car repaired and the estimate was over XXXX dollars. He has no credit so I let them open a credit card in my name to pay the repair. Everything was fine and I had authorized the credit card. Then all of a sudden after having the car for a week and at the end of the week when the car was supposed to be done they call and tell him it needs an additional parts and the bill would be more. So the credit card company denied an increase in credit on the card and I was unaware of that fact so XXXX calls me asking for some info which I thought was to help increase the credit limit but it was not. What they did was enrolled me with XXXX XXXX XXXX without my knowledge or permission because they didn't even ask me if I had the means to pay the balance which I did. So XXXX XXXX XXXX gives them a little over XXXX dollars for the balance. I get a letter from them with my terms and they are XXXX dollars a month for 24 months which means I am paying back over XXXX dollars which I think is extortion. So please look into this companies practices. Tomorrow I am going to call them and try to pay it off but I have no idea if they will even let me and if there will be an early payment penalty which I have a feeling there will be

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. My name is falsely reported. My name is not XXXX XXXX XXXX XXXX! My Name is XXXX XXXX XXXX and needs to be corrected immediately as you are making it easy for someone to commit fraud. Numerous hard inquiries have been falsely reported on my credit report. I have suffered from defamation of character in attempt to obtain credit and maintain life as well as my business. After numerous attempts to get remedy and have the false reporting removed the company has failed to comply. This has become very stressful for me and my family as I don't even have knowledge of the things listed on my report, preventing me from obtaining credit and resources for my family and business. I have faced damages and missed out on opportunities due to false and negative reporting on my credit report. 15 USC 1681N ( A ) states any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}. whichever is greater. Also, 15 USC 1681b states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates ; which i DID NOT give your company at any time as i have no knowledge of the things reported. The hard inquiries below have been falsely reported and I am ready for litigation, I want them removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a false inquiry, my account was opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is false my account was opened 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 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These inquiries do not belong to me. Please remove them as I did not authorize them. 

XX/XX/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 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 explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: NY

Complaint narrative:
I have three student loans two with Sallie Mae. The government has automatically put my loans into deferment. Which I opted to still pay minimum monthly payments on. The issue that I have is that the government has suspended payments but is still adding interest during the entire time of deferment. I believe if the government was going to defer payments then they shouldve deferred interest at the same time. But they are using this to increase interest on our student loans.increasing the amount of repayment when the deferment is lifted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, 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  has violated my rights. 

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 furnmish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, 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: FL

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. XXXX # XXXX, has violated my rights 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.

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 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I have been in contact with the alleged debt agency TransWorld Systems about a frivolous debt that has surfaced on my credit report. I have been in contact with the debt agency twice within last 90 days and no response or legible documents proven I owe this debt. They are robbing, badgering my credit with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Wayfair and CITI bank have issued a fraudulent credit card in my name. I do not know when but I was first notified of it by mail with a letter from Wayfair dated XX/XX/2022 asking me to confirm, by phone, the application for a credit card. To which I immediately responded, reported the fraud and identity theft and told them NOT to open any account in my name. I have never applied for such a card. It is a fraudulent application. I received a reference code # XXXX, from them but I do not know what that means. 

I never applied for a Wayfair and never received any product or services from them. I now receive monthly invoices for something I never authorized or accepted. Neither CITI Bank nor Wayfair will respond to my requests for all documentation involving this transaction which I am told that under the Fair Credit Reporting Act they are required to provide at no cost. They have reported this fraudulent transaction to the credit bureaus as belonging to me and have defamed my character and credit while harassing me with collection notices and invoices. I am working with XXXX to clear the fraudulent account from my record but Wayfair and Citi are demanding I pay the balance on the closed account. I have copies of multiple USPS certified return receipt requested letters that have been sent to both parties stipulating the fraud and identity theft but the collection harassment continues with them claiming I owe the balance regardless of the fact that I never had any account with Wayfair nor received any goods or services from them.

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 2023-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Tesla, Inc.
State: IL

Complaint narrative:
I put in an order for a XXXX XXXX XXXX on XX/XX/2021 for a car which was blue, with XXXX XXXX XXXX  but was also supposed to include some other standard features which were advertised at the time of purchase such as a tilting front screen and the ability to play XXXX like games such as the XXXX from the car. The problem is that after the car was delivered those XXXX aformented features have finally come and been implemented, however I was told today that I must pay for these upgrades. I believe its unfair to have to pay when those features were stated to be included at the time of my purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, 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: FL

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. XXXX # XXXX, has violated my rights 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.

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 2023-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
Hi my name is XXXX XXXX and I have sent this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OH XXXX two validation letters asking them for the original contract showing that I have conducted business with them, which I XXXX XXXX has never done business with XXXX XXXX XXXX XXXX, account number ending in XXXXand XXXX XXXX XXXX XXXX never sent me the original contract, so I XXXX XXXX would like this to be removed off my credit reports and also from collections. Thank you!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Central Portfolio Control Inc.
State: IL

Complaint narrative:
I checked my consumer report XX/XX/2022 and noticed there was a collection account for CENTRAL PORTFOLIO CONTRO that was opened on XX/XX/2022 for {$1000.00}. This company never gave me the opportunity to dispute this debt they claim that I owe. This company and the credit reporting agencies have been willfully negligent by not having this account reasonably investigated in accordance with both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act 15 USC 1692g. I will also add that this debt belonged to a different collection agency, XXXX, up until XX/XX/2022 which was deleted from my consumer report because they could not provide the proper instruments of debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed. The accounts listed below are not mine. They each are associated with inaccurate personal information. Please remove them from my credit profile and credit report immediately. 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 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with the alleged student loan servicer Navient and customer service was horrible. They are robbing, badgering my credit with no explanation on an erroneous alleged closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, 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:
Notice, it is a fact, affiant is aware pursuant to XXXX XXXX Code XXXX ( a ), if I, the consumer, provides a consumer reporting agency, such as, Experian, XXXX and XXXX, XXXX appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with the below listed accounts is not relating to any transaction by myself, Experian, XXXX and XXXX is XXXX to place a block on my consumer report on the information associated with the accounts listed above. This information would not be blocked in error, if I feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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