vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I regret to notify you that I am unable to accept your decision to reject my identity theft claim on the grounds that it was based on a mistake or a substantial fact misrepresentation. It begs important questions about how and why you have the power to define what is a material actuality. It is important to note that you do not have the authority of a jury or judge, nor do you have any natural right to render such decisions. 

The Federal Trade Commission ( FTC ) has established guidelines that provide that when an FTC identity theft report is sent to a law enforcement agency, which the FTC is, the protocol is to follow the law and conduct an appropriate investigation. 

XXXX XXXX XXXX XXXX XXXX I'm willing to give you one more chance to handle my request regarding identity theft. If I don't, I'll be forced to use the legal system to pursue my legal rights. In such case, you will be responsible for the harm done to my credit and reputation as well as the emotional pain I have had to go through during this whole experience. It's very likely that throughout court processes, what qualifies as a material fact will become readily evident, and you might have to pay me back for your carelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I regret to notify you that I am unable to accept your decision to reject my identity theft claim on the grounds that it was based on a mistake or a substantial fact misrepresentation. It begs important questions about how and why you have the power to define what is a material actuality. It is important to note that you do not have the authority of a jury or judge, nor do you have any natural right to render such decisions. 

The Federal Trade Commission ( FTC ) has established guidelines that provide that when an FTC identity theft report is sent to a law enforcement agency, which the FTC is, the protocol is to follow the law and conduct an appropriate investigation. 

XXXX XXXX XXXX XXXX XXXX I'm willing to give you one more chance to handle my request regarding identity theft. If I don't, I'll be forced to use the legal system to pursue my legal rights. In such case, you will be responsible for the harm done to my credit and reputation as well as the emotional pain I have had to go through during this whole experience. It's very likely that throughout court processes, what qualifies as a material fact will become readily evident, and you might have to pay me back for your carelessness.

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 2023-12-08 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was hocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were no open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. XXXX and XXXX account number : XXXX alleged balance {$670.00} XXXX and XXXX account number : XXXX alleged balance {$820.00} 15 USC 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of the law because I am an alleged victim of Identity theft! Please delete these items IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to dispute the accuracy of information contained in my Lexis Nexis consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I opened my Chase XXXX Checking and Savings accounts on XX/XX/23 via a {$900.00} bonus offer email from Chase. The email ( attached ) clearly stated that " Coupon code applied when you click 'Open both account ' '' button in the email to open the accounts. 

The terms said I should have received the {$300.00} portion of the promotional bonus 15 days after having a direct deposit into my checking account -- but it had been over a month and the bonus had not posted. 

I contacted Chase via secure message on XX/XX/23 to ask for help having the bonus credited and verify that the remaining parts of the offer ( {$200.00} for opening the savings + {$400.00} for doing both checking and savings offers ) were properly attached to my account. 

I received a reply via secure message from Chase on XX/XX/23 stating that : " a promotional offer wasn't applied to your accounts. We're unable to add a coupon code for the promotion. The account is no longer eligible for this offer since it has been open for more than 21 days. '' I responded to Chase via secure message on XX/XX/23 explaining that I had clicked the button in the email that said the coupon code would be applied when opening my checking and savings accounts. I asked for the bonus to be manually applied to my account. 

I received a reply via secure message from Chase on XX/XX/23 refusing to add the coupon code and rudely stating : " We responded to this request earlier. Because there is no further action required on the account, we will no longer respond to this specific inquiry. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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:
The following companies made unlawful requests on my personal credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 


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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following companies made unlawful requests on my personal credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 


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 non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had some deposits with BMO XXXX high yield savings account. When I decided to transfer the money to external accounts it wouldnt let me saying the transaction had to be reviewed and would process in a business day or two. I tried with a few other transactions and they went through but then all of the transactions were refunded and my account froze. Ive been trying to get in touch with BMO alto for two days now not having much information about my account. The fraud department has not called me and the voicemail box is full and I can not access my account.

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 2023-12-08 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NJ

Complaint narrative:
I set up auto pay approximately one month ago and had one auto pay deducted from my bank account in XXXX. However when I logged in today, my XXXX loan was 1 day past due with no notice and which I only learned by logging in, and auto pay is no longer active. I tried to add autopay again and it is still not working. This could have led to a serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I've contacted XXXX to request the contract that was allegedly sign by me. Due to not being able to verify the account information they wouldn't give me much information they did provide me with the number to the collection agency which is called credence. I called them in XXXX and asked them could they send me the documentation that was sent to them XXXX that debt was mines to pay per the representative I needed to be authenticated they original social security number they had was not mines, I recited my actual social security number and then they removed off my credit report only to replace back on there with my social security number correctly that they got from me during the call. I called back and spoke with a XXXX in XXXX Name XXXX and I address my concerns and he told that I was responsible for the collection and when I disputed it with him and I'm not due this being fraud the call was disconnected. I called back and the representative told me they would send me a letter with the account information which was never received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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

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 2023-12-08 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-08 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: FL

Complaint narrative:
This creditor 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 21 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I noticed overdraft fees on my account totaling XXXX on XX/XX/XXXX. I contacted the bank on the XX/XX/XXXX after another XXXX dollars in overdraft fees came out, totaling XXXX dollars. I was informed who the merchant was that triggered the overdrafts and I reached out to the merchant. The merchant stated they would refund my money because I didn't authorize the charges. I saw to credited payments from the merchant and contacted navy federal again to confirm the payments were reversed. Navy Federal refuses to remove the overdraft fees and provide a credit until the fraud issue is resolved. I have asked for a resolution but they are not giving direct answers and they have me going in circles. I have never experienced this with any bank and I am highly disappointed. This business is supposed to practice ethical acts but they are definitely practicing unethical practices. I feel like they are robbing the less fortunate and giving to the rich.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-08 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: GA

Complaint narrative:
XXXX XXXX XXXX.Account XXXX, Date Opened XX/XX/2023. XXXX, Account XXXX, Date Opened XX/XX/2023. I have included attachments and laws to show how these accounts are violating the law. Please review laws and attachments of the errors. 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 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 2023-12-08 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: GA

Complaint narrative:
XXXX XXXX XXXX.Account XXXX, Date Opened XX/XX/2023. XXXX, Account XXXX, Date Opened XX/XX/2023. I have included attachments and laws to show how these accounts are violating the law. Please review laws and attachments of the errors. 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 explanation
Consumer complaint received 2023-12-08 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: NC

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 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 furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: NC

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 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 furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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