vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year> there was a letter sent to Experian asking them to verify what I believe to be incorrect information about a few accounts reporting to my credit report. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.

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 2024-05-16 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 assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.

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 2024-05-16 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX. I am writing to have the following information removed from my report. I have viewed my credit report and noticed there are accounts and addresses that appear inaccurate, nor does it belong to me. I have listed all accounts and addresses that appear inaccurate and were not authorized by me in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I urgently request to Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX. I am writing to have the following information removed from my report. I have viewed my credit report and noticed there are accounts and addresses that appear inaccurate, nor does it belong to me. I have listed all accounts and addresses that appear inaccurate and were not authorized by me in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I urgently request to Please delete the items as soon as possible.

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 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed my oldest credit card account. Never had any issues with chase ever before, I loved banking with them. I recently had a dispute with an over seas merchant where I returned the merchandise and I provided tracking. But chase rebelled my account so I called multiple times to ask to re open the case and now its showing as XXXX disputes for the same item on my account, so maybe that alerted the algorithm or something but Im so frustrated because I provided all documentation. I did everything correct. I had another dispute with a merchant who didnt even send the goods and the tracking shows returned to shipper still waiting on a resolution. Im so disgusted with chase right now. They said I opened too many disputes recently. I have paid my card multiple times in big amounts this past year and was using it for big purchases. But for every dispute I have proof and documentation. I thought it was safer to use my credit card because of the perks of having extra protection. But now they closed my account. And when I try calling back the person whose in charge of my complaint they dont answer. Its so frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: NV

Complaint narrative:
I dont recognize synchrony or Lowes pulling a hard inquiry on 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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: IL

Complaint narrative:
XXXX XXXX XX/XX/year> ALLY FINANCIAL XX/XX/year> XXXX OF XXXX XX/XX/year> CAPITAL XXXX AUTO FIN XX/XX/year> XXXX BANK XX/XX/year> 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 non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Im unaware of this debt. I didn't have a chance to dispute this debt. If you believe you gave me proper notification please send me a certified mail receipt with my signature stating I received this notice.

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 2024-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Aubrey Thrasher, LLC
State: FL

Complaint narrative:
When my Account closed I owed {$55000.00}. This collections company contacted me saying I owe over {$81000.00}. I told them I could make payments for the {$55000.00} and the amount I could afford. They replied back saying they could only take the full amount or they would sue. They continue to contact me threatening that they are going to file paper in court and sue me. 

Today XX/XX/year> at XXXX they contacted my business and told my receptionist that they were going to file the lawsuit today unless I pay the full amount Today on XX/XX/year> at XXXX they contacted my Sister and told her that they needed to get in contact with me and gave her a case number. 

I sent them an email today informing them to cease and desist contacting 3rd parties. 

Here is the contact information for this company : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Attorney at Law Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  XXXX Account Number : 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 2024-05-16 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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  XXXX Account Number : 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 2024-05-16 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: BMO BANK NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I received a credit alert from XXXXXXXX XXXX XXXX on XX/XX/XXXX ( Midday between XXXX ) stating that a Hard Credit Pull was initiated by BMO Bank N.A XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX. I attempted to contact the bank to find out why the hard pull happened and was sent to a XXXX requesting an account # ( I don't have an account number because I do not have any association with BMO Bank N.A . ) without any further help.

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 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
I currently bank with current bank and I had a deposit for {$1700.00}. Going to my bank at the time? I didn't have my card with me. So I had linked my XXXX XXXX to it. And I just could withdraw {$250.00} at a time. And I was out of town in XXXX at this. At the same time so I don't know if that made it worse or not, but I left {$460.00} in there. The next day I tried to get it out and it said my account had been frozen in under review that was I believe XX/XX/XXXX ever since I can not get any. Money out of my bank. I can't withdraw. I can't transfer. I can't do anything with my bank. They ask me to send in a bunch of documentation. And I sent in everything they asked more than once when they first blocked. My regular email. I had to use a new email to send them the information. Because my email would not send them none of the documentation. And now they're telling me that my it's still gon na be under review. And I need my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 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 non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
I have purchased a total of XXXX XXXX XXXX cards. Each one has been use fraudulently. Each was a gift to my father. The 1st time, I thought that he had misused it or forgotten that it had been redeemed. That was in XXXX XXXX. Then in XX/XX/XXXX, I purchase 2 {$100.00} gift cards in XXXX XXXX at either XXXX XXXX XXXX or XXXX. I looked up each card and both had been used at a XXXX. One on XX/XX/XXXX and one on XX/XX/XXXX. This was not by my father. When he went to redeem, he was told that neither had any cash value left on them. I know that a case has been filed in NY stating that : XXXX XXXX XXXX XXXX XXXX XXXX et al. 
FILED : XX/XX/XXXX XXXX Read Complaint A class action lawsuit alleges Visa has failed to warn the public that its Vanilla gift cards are regularly redeemed fraudulently by third parties. 

I have attempted to contact XXXX XXXX cards directly for each card and have not heard back. My total loss is {$300.00}. 
Card numbers : XXXX, XXXX, XXXX I am only allowed to enter one card number on this complaint Any advice is appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: NY

Complaint narrative:
incorrect information/ non-compliant reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX XXXX has been trying to Collect a debt that isnt mine anymore. It was sold and into collections and is owned by someone else now. It was off my credit report for months and now all of a sudden they just piled it onto my credit report which is affecting my overall credit. I have worked so hard to fix my credit and now they are on my report as a portfolio recovery

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 2024-05-16 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: LEXISNEXIS
State: NY

Complaint narrative:
This is my final notice before I pursue litigation against the consumer reporting agencies for multiple violations of my federal protected consumer rights. Please find attached the proof of claim that transactions and experiences were reported on my consumer report which is a violation because pursuant to 15 USC 1681a ( d ) 2 ( a ) ( i ) they are excluded from the report, subject to section 1681s-3. Despite multiple letters and disputes, the CRA 's continue to commit identity theft and fraud under federal law and fail to block the identified transactions pursuant 15 USC 1681c-2 ( a ). The unverifiable items listed on my consumer file are in complete violation because I never gave written consent which violates permissible purpose of consumer reports pursuant 15 USC 1681b ; And the fact that the furnished inaccurate accounts still remains on my consumer file violates 15 USC 1681e ( b ). The continued willful and negligent noncompliance has escalated my pursuit for justice and entitled declaratory relief sought from a higher court pursuant 15 USC 1681n and 15 USC 1681o. Again, the multiple violations that has occurred prompts me to exercise my right under the FCRA to OPT out of reporting on my report.

Please see attached supporting documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: TX

Complaint narrative:
I just received a letter from Discover Student Loans with a check for {$25.00} intended to fulfill their obligations in the 2020 CFPB XXXX related to student loan servicing, but XXXX has not met the requirements set in the Consent. 

XXXX applied my loan pay-off payments incorrectly. My loans should have been paid-off, but due to the incorrect application of payments XXXX kept XXXX interest, sending letters, and damaging my XXXX XXXX with all known credit reporting agencies. I just checked my loans and there remains a loan in 'written off ' status, and this remains reported to credit agencies. 

I have attempted multiple times to fix this by contacting XXXX, but even though the representatives I speak to agree this shouldn't have happened no correction has been made. 

My best understanding is the the current check is intended to comply with XXXX in the 2020 XXXX. This does not meet the requirements for compensation XXXX must meet, as they need to provide compensation for additional sections/subsections in the consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I graduated from XXXX XXXX never received a degree. I owe XXXX never received a job. I can not afford my loans and they withheld my degree. I can not move forward. The school is closed and I am XXXX XXXX XXXX and can not do anything. They made promises and they never kept them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my GM FINANCIAL - XXXX, GM FINANCIAL - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation