vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/year>, I applied online for Chase Freedom Unlimited credit card issued by Chase bank, application reference number XXXX. My application went pending and I received an automated email stating that the bank needs a copy of my government issued ID showing my date of birth and current address. I promptly submitted a copy of my state issued ID proving such information. I called the bank to check if they received my uploaded documents and the bank confirmed that they received them and provided me with my application reference number and a phone number to call to speak with the team that processes applications. I called the number provided and spoke to a customer service representative that confirmed again that they received my uploaded documents and put me on hold, then came back and said something to the effect of " The bank doesn't like what you submitted '' and I need to visit a Chase branch to meet with a banker in person and provide them with the same information. I told the agent on the phone that I uploaded a copy of state issued ID which has my date of birth and current address, and that information matches the information on my application and credit reports which the bank pulled ( the bank pulled both XXXX and XXXX ). The agent didn't provide any further explanation and recommended that I go online to check the nearest branch and speak to a banker. I suggested providing other documents to confirm the information like another photo ID or bill but the agent wasn't interested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: NJ

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

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 2024-03-21 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: MO

Complaint narrative:
I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT STATING THAT THIS ISN'T ME! PLEASE SEE ATTACHED.

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 2024-03-21 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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: NJ

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-03-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
Hello, As a resident of California, I would like to point out the unlawful attempts in which your agency has repeatedly perpetuated while attempting to collect a debt that I owe no responsibility to. 

1 ) According to the Disclosure for California consumers, you all are not permitted to use false or misleading statements. Below you all stated as of XX/XX/year>, that National Credit Systems , Inc. has been authorized by its client, XXXXXXXX XXXX XXXX XXXX XXXX, to extend a special offering to resolve the above referenced account at a fraction of the balance owed. This statement is false and misleading due to XXXX XXXX at XXXX not being an operating entity and has not been for over four years. XXXX XXXX at XXXX was never a stand alone entity and was operated under a parent corporation that handled all affairs. If you all can not produce evidence of an active relationship and business agreement with the appropriate and operating party, I will consider your attempts as fraudulent and misleading. I as a consumer should not be misled or coerced into a decision concerning a debt based on statements not true from the collection agency. 

2 ) If you all are in contact with any associated party of XXXX XXXX at XXXX, please reach out to them directly for more information and proof of the debt allegedly owed. In the past, I have requested the documentation you all received from XXXX XXXX at XXXX and was told you all had no way of obtaining such as they are no longer in operation and no documentation could be produced other than one PDF with an incorrect/incomplete social security number as the identify factor that this debt belonged to me. 

3 ) It is unlawful to use tactics such as the attempt below to collect a debt and deny the consumer of evidence to support your collection activities. It is unlawful to continue attempting to collect a debt after the consumer has verified the identifying information you all received is incorrect and not a valid form of documentation to enforce debt collection. 

I will be submitting a complaint and investigation request to the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX {$1200.00}. I have no knowledge of this account or company! Please show purchase agreement also show they are full owners of this debt! I request all documentation

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 2024-03-21 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: NY

Complaint narrative:
I recently received a copy of my credit report and noticed I had a fraudulent account on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I received a letter stating I owe a debt. I sent a dispute letter as the debt is not mine as i have no knowledge of the debt, I do not owe the debt or have any responsibility for it. In the letter I requested the following. XXXX. **Verification of the Debt** : Documentation confirming the debt 's validity and a detailed explanation as to why I am legally obligated to pay the current creditor. This should include a copy of any agreement I purportedly signed, agreeing to the terms of the debt. 
2. **Original Contract** : A copy of the original contract or agreement, including terms and conditions, applicable fees, interest rates, and any " wet '' ( original ) signatures. 
3. **Payment History** : A complete payment history for this account, including any payments made to the original creditor, to verify the accuracy of the amount claimed. 
4. **Itemized Account Information** : Detailed account statements from the last XXXX balance to the present, outlining all transactions, interest charges, late fees, or other charges that have been applied. 
5. **Proof of Ownership** : Documentation proving Portfolio Recovery Associates XXXX XXXX or legal acquisition of the debt, including the purchase agreement. 

they are making false statements, and request this issue to resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: GA

Complaint narrative:
Unauthorized use of my report. My accounts are reporting inaccurately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX, a FBI Fingerprinting and background checking service, charged me {$25.00} and advertised/promoted their " quick '' access one-time Link to results when the FBI report is ready . The Link does not work for many customers ( Did not work for me XXXX, or at anytime thereafter. This is discrimination against people of who come from outside the Sate of Pennsylvania as was my case ( Place of Origin Discrimination ). I had to wait XXXX days for a paper report and almost lost the job offer instead of the report being made available by the electronic Link as advertised. My fingerprints were processed within XXXX hours on XX/XX/2024, and I should have had access at that point. I paid {$25.00} for this service and received a " Bait '' and " Switch '' fraudulent transaction. 

I asked the company for my money back and filed a report with the Attorney General 's office. Since there is no other provider of these services in PA and no Competition the business is not motivated to follow proper and legal business procedures. and practices.

I think the State of Pennsylvania and its customers in fingerprinting services need to demand a new vendor for these services in PA, and Contact the Department of Justice with a formal complaint. I would like to see an established legal firm pursue a class action suit against XXXX and Bank of America. 

Additionally, I contacted my Bank -- Bank of America and filed a claim. Claim number XXXX. The Bank of America is in Anti-Trust violation/collusion with XXXX and the State of Pennsylvania. Bank of America 's contact number for claims is XXXX I am a XXXX, XXXX, and XXXX woman on a fixed income, who was the wife of a XXXX XXXX XXXX Veteran. We served XXXX  years with the 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 2024-03-21 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: NY

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 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 non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM A VICTIM OF IDENTITY THEFT.

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 2024-03-21 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2024-03-21 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: LA

Complaint narrative:
This account is reporting negative on my credit reports but its reporting 100percent paid.

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 2024-03-21 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: LA

Complaint narrative:
This account is reporting negative on my credit reports but its reporting 100percent paid.

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 2024-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: CA

Complaint narrative:
The mortgage company for my house, PNC Bank, NA, let my hazard insurance on my home expire, which is included in my escrow account. Because they let it lapse, they sent me a letter saying they would buy insurance for my property that was more expensive and raise my house payment.

I had to start a new insurance policy with my insurance agency and it cost me {$680.00}.

I also had to pay annual liability insurance which is not covered by my escrow account, in the amount of {$800.00}.

Thanks to their negligence, I am now broke.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I am writing to file a formal complaint regarding an debt that was placed on my credit report without any notification to me that the account existed and denying me the opportunity to exercise my right to dispute the account which I most certainly would have as I do not agree with the accuracy of this account. 

Despite my diligent efforts to maintain a good credit history, this account has significantly impacted my credit score. 

Details of the Issue : Account Information : Account Name : National Credit Systems Account Number : [ Account Number, if available ] Amount : {$9000.00} Violation : The account was added to my credit report without any prior notification via mail, email, or phone. I was completely unaware of the existence of this account until I reviewed my credit report. 

Dispute : I strongly dispute the legitimacy of this account. 

I request a thorough investigation into the validity of this account.

Impact : The addition of this account has significantly lowered my credit score, affecting my ability to secure favorable terms for loans, credit cards, and other financial transactions.

Documentation : I have attached a copy of the item as reported on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT STATING THAT THIS ISN'T ME! PLEASE SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: MO

Complaint narrative:
I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT STATING THAT THIS ISN'T ME! PLEASE SEE ATTACHED.

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 2024-03-21 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 am a victim of identity theft please remove this fraud inquiry from my credit 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 2024-03-21 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: NY

Complaint narrative:
I recently received a copy of my credit report and noticed Ive had fraudulent accounts on my report. Please remove these accounts from my Report. They are hurting my abilities to obtain credit.

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 2024-03-21 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
This creditor ALLY FINCL, XXXX XXXX XXXX, XXXX engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX  days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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