vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: MN

Complaint narrative:
I want Self to immediately close my credit builder account and my Self Visa Credit Card Account : XXXX. The Self Credit Builder and Visa Credit Account is a fraudulent account and the result of identity theft. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX at the Chase main bank building in XXXX, XXXX XXXX XXXX XXXX, I tried to do a cash withdrawal for a small amount of money. A person was operating the ATM next to me, and told me he " was just checking the ATM 's '' and said " excuse me I just want to see if the scanner is working on your ATM. '' He was wearing an orange safety belt and was holding a stack of bills in his hand and had checks in his other hand. I thought he was working for the bank. He punched the deposit button on my screen, and the deposit scanner started, and he slipped a check into my ATM. {$850.00} came up as the deposit. I told him he just put money into my account that did not belong to me. He tells me " Don't worry, I am going to take that check back if you allow me one second. '' He then punches the Get Cash button and punches in {$850.00}. I immediately hit the Cancel button and pulled my card out of the ATM. He tells me " I am not trying to cheat you, man. '' I said no way, I am not giving you cash for that check. He leaves and I went across the street to call Chase. Chase did not know what to do when I told them this. The check did bounce, and they agreed to not charge me the {$850.00}, but then days later changed their minds and charged me the {$850.00} that I DID NOT TAKE OUT. I know I did not take out the {$850.00} and the transaction was cancelled at that point. Nobody got any money. I need help in getting Chase to either show me the video of us getting money or to refund the {$850.00} charge against my account. I had been in contact with many Chase phone employees, who listened to my account of the incident, and they did agree to review the incident. The check did bounce, as I knew it would, but I was happy they did not initially charge me {$850.00}. But days later i was notified by mail that they reversed their decision with no reason given. Help me to get this {$850.00} back please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: CA

Complaint narrative:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-04 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: GA

Complaint narrative:
Sent out debt validation never received any Response Regarding XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I want these items deleted because I didnt authorize the transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX 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 2023-09-04 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$47000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} ; XXXX XXXX XXXX XXXX XXXX {$47000.00} ; XXXX XXXX XXXX XXXX XXXX {$29000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX {$94000.00} ; XXXX XXXX XXXX XXXX {$8300.00} ; XXXX XXXX XXXX XXXX  : {$5200.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-09-04 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$47000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} ; XXXX XXXX XXXX XXXX XXXX {$47000.00} ; XXXX XXXX XXXX XXXX XXXX {$29000.00} ; XXXX XXXX XXXX XXXX XXXX {$94000.00} ; XXXX XXXX XXXX XXXX  {$8300.00} ; XXXX XXXX XXXX XXXX  : {$5200.00} ; XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Early XX/XX/XXXX I saw a {$4100.00} interest charge on my account, I contacted CareCredit/Synchrony Bank Customer service representative XXXX who said I signed a contract for a " Promotion '' in XXXX to allow a final balloon interest payment of almost {$4100.00}. I requested a copy of this final promotional disclosure. I waited but I never received statements or the charge disclosure outlining the promotion. I faxed this request as well Later in XX/XX/XXXX I called CareCredit again. Spoke to a very rude customer service representative named XXXX. She told me the Doctor who completed the procedure would have a copy of the promotional disclosure I signed, not CareCredit. She informed me the interest on the balloon must be paid in full in two days or additional charges would be assessed to my account. XXXX also instructed me to please stop calling for the same issue. 
I spoke to the Doctor 's office. They said they never offered a " Promotion '' nor have a copy of the promotion disclosure. 

I am XXXX XXXX XXXX and on a fixed income. I would never sign a disclosure with a balloon payment of almost {$4100.00} interest due immediately. 

CareCredit never gave me even the opportunity to decide on the promotion nor explained anything to me at the time of charge at the doctors office. 

I requested a copy of my statements as well as a copy of the signed disclosure from CareCredit/Synchrony Bank XXXX I requested my statements for beginning XXXX to present as well as a signed copy of the " Promotional '' disclosure in XXXX 

This is now my fifth ( 5th ) request for a copy of my statements beginning XXXX to present & a copy of the signed disclosure which discloses the " Promotional '' for services in XXXX. Please note, I had a XXXX balance on my account prior to XXXX. My payments were and are always on time or before the due date. Prior to the Doctor service in XXXX no balance was due.

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 2023-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Continued calls on Sundays. I have asked not to call me on Sunday, if they need to speak with me, plus, I provided my landline telephone to call and or leave a message. On Sunday XX/XX/20XXXX XXXX  XXXX and XX/XX/202XXXX XXXX XXXXXXXX are the most recent Sunday calls. My payment are due on the XXXX of the month, I mail my payments because I am blocked logging into my account. Payment was made and email received from company. I receive calls, continuously after I payment is received and processed. This must stop. 

When I am in church and at work my phone rings from company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: FL

Complaint narrative:
I am writing to bring to your attention a matter regarding my credit report held by Experian. On XX/XX/XXXX, I contacted Experian regarding the following inaccuracies on my credit report, and as of this date, I have not received any response or resolution. I am seeking your assistance in addressing these discrepancies : The following account is not mine : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$720.00} Requested Action : Please remove it from my credit report. 


The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1300.00} Requested Action : Please remove it from my credit report. 


The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$660.00} Requested Action : Please remove it from my credit report. 


The following account is not mine : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Requested Action : Please remove it 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 2023-09-04 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:
My credit report is showing late payments to XXXX XXXX XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.

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 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to bring to your attention an issue regarding my credit report with Equifax. On XX/XX/XXXX, I contacted Equifax to report and dispute the following inaccurate information on my credit report. To date, I have not received a response from them. Please find below the details of the disputed accounts and the corrections required : The following account does not belong to me : Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$720.00} Request : Please remove this account from my credit report. 

The following account does not belong to me : Creditor : XXXX XXXXccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Request : Please remove this account from my credit report. 

The following account does not belong to me : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$660.00} Request : Please remove this account from my credit report. 

The following account does not belong to me : Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$2200.00} Request : Please remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Automated Collection Services, Inc.
State: MO

Complaint narrative:
I was not aware this account was in collections with this company..I didnt receive a letter of validation from this company to dispute this account. So how is account validated to be put on my credit report..this needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : {$4300.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  Original creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$4300.00} XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX {$5400.00} XXXX XXXX  Inquired on XX/XX/2023 2023

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 2023-09-04 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: MN

Complaint narrative:
XXXX XXXX XXXX, Account number XXXX, Date opened XX/XX/2022, XXXX XXXX Account number XXXX, Date opened XX/XX/2022. Please provide proof of how you investigated these accounts belong to me.I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 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: NY

Complaint narrative:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX. Please delete these accounts 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 2023-09-04 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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX. Please delete this account 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 non-monetary relief
Consumer complaint received 2023-09-04 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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX and 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