vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these inquiries I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these inquiries I am complaining.

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 2024-03-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these inquiries I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I received an email after I had already received physical mail by a credit company named LVNV Funding, where they were offering me a discount on the debt I owed. This was followed by numerous and repetitive phone calls for me to pay this " great '' discount on my debt owed and how I had to hurry and pay before the discount offered would expire. I requested more information on who the original creditor was by a response email and how I didn't believe I owed this debt as it isn't on my XXXX, XXXX or XXXX credit reports. When they replied with the information, they stated the original creditor was XXXX XXXX utility bill from 2014 with an amount close to about {$1500.00}. Then they sent me another email, to which I now get one email from LVNV Funding about once a week where they offer another so called " great '' discount on the amount I owed or they will just state that I owe the entire balance and to pay now. However, at the bottom of each of these emails states that because my debt is passed the statue of limitations they can not legally sue me for this past due amount and they can not report me as negative on my credit report. So why are they allowed to harass me with numerous emails and random phone calls? If I'm legally not obligated to pay this amount due then shouldn't they be obligated to cease in contacting me? It's very stressful and I would like for them to be held accountable for not following the Fair Credit Consumer Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Without fail, I have ensured that payments on this account are made promptly, avoiding any instances of being overdue. The reasons behind the presence of late payment remarks on my accounts are unclear to me. As stipulated by 15 USC 1666b - Billing Error, corrections must be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: NJ

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-28 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 am writing to formally dispute and challenge the accuracy of information on my credit report maintained by your agency. Upon reviewing my credit report, I discovered that there is a fraudulent account still being reported, which is inaccurate and damaging to my credit profile. Additionally, I believe there have been violations of the Fair Credit Reporting Act ( FCRA ) in this regard. I did not open this account, nor did I authorize anyone to do so on my behalf. This account is a result of identity theft and constitutes fraudulent activity. It is imperative that it be immediately removed from my credit report to prevent further damage to my creditworthiness.

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
American Express keeps reporting a closed account as a charge-off! When it was paid as agreed in XXXX, I have reported this to them previously on XXXX but they continue report inaccurate information resulting in loss of opportunities for a mortgage I applied for and was u successful

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: NJ

Complaint narrative:
I thoroughly went over and reviewed my credit report recently, and I have noticed that there were some things which are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account, XXXX XXXX XXXX, account number # XXXX  is not complete and is not accurate. 

XXXX XXXX XXXX account number # XXXX  last payment date is not reporting correctly, date last active, date of last payment is not correct, as well as the payment history is reported incorrectly. This account is not accurate.

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 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
To the CFPB : This is not a duplicate complaint. If you falsely mark my complaint as a duplicate one more time, I will file a complaint against your agency with the Office of Inspector General ( OIG ) and the Counsel of Inspectors General on Integrity and efficiency ( CIGIE ) TD Card Services never credited my account for the disputed transaction of XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents. They claimed I authorized the charge, however I had provided them with documentation from my other bank that proves the merchant charged me twice for the same transaction. If TD does not credit the funds back to the account, I will be closing my credit card account with TD after XXXX years, after being a loyal customer of TDs for XXXX years now, and I will not pay the XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents upon doing so

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I applied for credit with Sycroney Bank. The ad said it would only be a soft pull. 
When I pulled my credit report it show 's under hard inquiries. I have tried to contact them, which is almost impossible. When I finally got through, I gave them the date XXXX, and they pulled a list by my phone number and asked me what I applied for. I don't remember but he then informed me that they have over 300 financial products and that they showed nothing in there system that I applied to. Yet, I still have a hard inquiry from them on that date. I have contacted all credit bureaus. They refuse to report this correctly and it's impacting my score. I am getting ready to apply for a mortgage. I need help getting this resolved with them. 


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 2024-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The company involved is Chase Bank. I have an existing complaint # XXXX, which you have closed. I don't understand how you can close this complaint before receiving my feedback. The response from the company has errors in it and I would like it looked at again. I received the company 's response on XX/XX/2024 and replied to it on your website today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and so on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Ill call XXXX XXXX and spare about an existing account that was fragile. They refused to remove it after the fact that they had an FTC report and I asked him multiple times for the past four days to remove the account which they refused to remove the account. The account number is XXXX. I spoke to all three of them on XXXX The XXXX. I also spoke with them on XX/XX/XXXX and I spoke to them again on XX/XX/XXXX. They kept giving me the runaround about they never received an FTC report along with my documentation they had also lie on recording Line stating that they did not receive it when I called Back Up there again they lied again, saying that they never received the documentation and then told me one thing that they did receive it

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 2024-03-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: DE

Complaint narrative:
Contacted by Jefferson capital for a debt from a company ( XXXX ) that no longer exist & debt is over 10 years old. They fraudulently changed debt dates and placed a new account on credit report. I called ( XX/XX/year> ) the company to ask for copies of all information pertaining to alleged debt & they assured everything would be mailed out. Did not receive anything as of today ( XX/XX/year> ). Disputed with creditor and bureaus. No original contract or validation of debt produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Account ending in XXXX XXXX XXXX XXXX writing this letter to help in this investigation to resolve asap. 
Barclay sent me New card without me knowing it and I continued using OLD one which was in my possession. 
On XX/XX/2024 on my lunch break I went to supermarket ( XXXX ) and made few purchases worth {$35.00} for my lunch on my old card in XXXX XXXX, NY. 
I came back to my office around XXXX started eating my lunch and received email ( attaching copy ) that my pin was changed. I never used cash advances on any of my credit cards, I IMMEADEATLY called to report and we blocked card and noticed within minutes that card already was used in XXXX XXXX XXXX for {$2500.00}! 
XXXX XXXX XXXX its more than XXXX miles away and with heavy traffic that usually happens at this hour it take good hour to drive.Obviouisly we started investigation and dispute, hovewer I received a letter that investigation is complete and iam responsible for this fraudulent transaction! 
Fraud dept.specialist/investigator DID NOT Bother to call me to help investigate or XXXX where fraud took place. 
I had to reopen case today and went to XXXX XXXX XXXX myself and found out that money were taken out from teller and I became identity theft victim.Manager of that branch told me to go to detective squad and file the report which I did.Its identity theft as well as Grand Larceny. 
Detective will subpoena XXXX XXXX  for video to catch that criminal. 
Pleas return my {$2500.00} as I DID NOT have that card in my possession and NEVER took any cash advances from any credit cards. 
Barclay has to have more security, any credit card that I owe, I activate them via my cell phone or web portal! HOW DID THAT CARD WAS ACTIVATED? I NEVER RECEIVED THAT CARD, NEVER ACTIVATED AND DID NOT HAVE IN MY POSSESIONS AS YOU ACCUSING ME.I am sure Detectives will make it clear.

Please call me anytime if I can assist more to resolve this case and bring those criminals to Justice. 
Detectives will subpoena Chase following week.Detective XXXX XXXX was assigned to this case XXXX XXXX XXXX from XXXX XXXX if you have question to him his # ( XXXX ) XXXX PLEASE RETURN MY MONEY AS THIS CARD WAS NOT IN MY POSSESIONS! 
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 monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Amendment of previously unpaid CFPB complaints against Wells Fargo Bank N. A. " XXXX XXXX and XXXX XXXX et. al. ". Attached please find Theft Report, FTC Defrauding Consumer Report, CFPB complaints, Barring Notice, evidence of unpaid promotion bonus {$1100.00} and {$820.00} etc and banking transactions, Wells Fargo closing letters etc. 

Wells Fargo Bank N. A. repeatedly deprive consumer rights to prevent completion of promotion bonus requirements by closing consumer new accounts within 24 hours in XX/XX/XXXX by XXXX XXXX and within 10 days in XX/XX/XXXX by XXXX XXXX. Plus a fraudulently cashed checks {$750.00} in XXXX. 

Although complainant followed the requirements. However, Wells Fargo bankers failed to give me applicable time such as 30 days or 90 days to complete the promotional requirements according to the bonus requirements. Attached please find Wells Fargo closing lettes dated on XX/XX/XXXX and another closing letter dated in XX/XX/XXXX. 

Also, Wells Fargo bankers and tellers intentionally block the transactions such as : failure to complete applicable deposit on XX/XX/XXXX after verification from complainant and another financial institution. 

XXXX XXXX must pay off the debt {$1100.00} plus 20 percent interest as well as all related damages and losses for deprive consumer rights, deceptive marketing practices, defrauding consumer etc starting XXXX based on the completion of requirements by complainant. 

Further, two fraudulent checks {$750.00} plus 20 percent interest must be paid off starting XXXX plus all applicable damages and loss such as health, privacy etc.

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 2024-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems has not responded to my verification request to provide documentation or any information regarding this debt to confirm it belongs to me. I have sent 2 letters and no reply over 90 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: FL

Complaint narrative:
I am a victim of fraudulent information reporting and I am filing this complaint to EXPERIAN. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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