vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 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: IL

Complaint narrative:
This company is trying to collect a debt that is not mine. This debt is reflecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: IL

Complaint narrative:
This company is trying to collect a debt that is not mine. This debt is reflecting my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase Account : XXXX and XXXX Acct XXXX have repossession remarks against me on my credit report. It is hurting my ability to work and I am not able to get any transportation because of it. They both went on private gated property and repossessed both vehicles. According to Florida law when it comes to towing you don't have permission to follow someone into a private community and tow anything. Since this was against my rights both accounts state it's repossessed and charged off then it is updating negatively when it shouldn't be able to do that According to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXXXXXX ( XXXX  ) XXXX XXXX| presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( please remove this account before I seek Litigation for defamation of character ). XXXX XXXX XXXX {$750.00}, XXXX XXXX XXXX {$2700.00}, XXXX XXXX XXXX XXXX {$230.00}, XXXX XXXX XXXX XXXX {$680.00}, XXXX  XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX  XXXX {$2800.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXXXXXX ( XXXX  ) XXXX XXXX| presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( please remove this account before I seek Litigation for defamation of character ). XXXX XXXX XXXX {$750.00}, XXXX XXXX XXXX {$2700.00}, XXXX XXXX XXXX XXXX {$230.00}, XXXX XXXX XXXX XXXX {$680.00}, XXXX  XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX  XXXX {$2800.00} 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 2024-09-28 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: Fidelity National Information Services, Inc. (FNIS)
State: OR

Complaint narrative:
After reviewing my ChexSystems report there are several inquiries to my report that I do not recognize. Please delete these fraudulent inquiries from my report : 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 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 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 XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX 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 explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute an incorrect address listed on my credit report. The address in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This information is inaccurate, and I request its removal in accordance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, which entitles me to dispute any information I believe is incorrect. 

To support my claim, I have included copies of my identification and documentation verifying my correct address. 

Please investigate this matter and remove the incorrect address from my credit report. I would appreciate a written confirmation of this action, along with an updated copy of my credit report reflecting the changes. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2024-09-28 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: GA

Complaint narrative:
On XX/XX/XXXX and on XX/XX/XXXX there was XXXX XXXX XXXX accounts open on my credit report. One has a {$0.00} balance, and one has {$190.00} both are incorrect, and I have spoken with them on multiple occasions to have this incorrect information removed from my credit report. I was told by XXXX that both accounts would be removed but it is still reflected on my credit report and both accounts are incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: GA

Complaint narrative:
On XX/XX/XXXX and on XX/XX/XXXX there was XXXX XXXX XXXX accounts open on my credit report. One has a {$0.00} balance, and one has {$190.00} both are incorrect, and I have spoken with them on multiple occasions to have this incorrect information removed from my credit report. I was told by XXXX that both accounts would be removed but it is still reflected on my credit report and both accounts are incorrect.

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 2024-09-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
In XX/XX/XXXX, I opened to XXXX months CDs with Marcus by Goldman Sachs. So every month I got an email stating I can look at my account and see how much interest. On XX/XX/XXXX very early XXXX I logged into my account to review my CD status only to find a message stating that I had no active Marcus accounts. This was surprising as I had received no prior notification of account closure or changes. 
So the next day, XX/XX/XXXX I contacted Marcus through their message chat system online. I was informed that my CDs had matured on XX/XX/XXXX and had been automatically rolled over into a new 18 month CD with a interest rate of XXXX %. At no point was I notified that my CD was about to mature or that an automatic rollover would occur. Additionally, I received the monthly email from Marcus on XX/XX/XXXX stating that I could view my accounts online like I get every month but with no mention of the impending CDs expiration. 
I informed Marcus that he did not authorize the rollover and that I was within my rights to find a higher interest alternative. Marcus refused to reverse the rollover without charging an early withdrawal fee, even though I was not notified about the rollover in a timely manner and I would never consent to automatic rollovers to any of my accounts ever because interest rates change constantly. 
Additionally when I was on the message chatting with them I checked out my account which still said I do not have any active accounts with Marcus and I questioned that. 
I ended the conversation with I'm going to report them to the FDIC if they can not reverse this. Once I hung up I wanted to reread that email from XX/XX/XXXX but ironically there was another email sent on XX/XX/XXXX which I did not see until now stating " let 's celebrate your CD renewal and telling me that my CD has renewed and here are the details for the CD. So they sent that email, but they did not send me one stating on XX/XX/XXXX or around that time before the expiration that my CD is about to expire and I need to do something or it will be automatically rolled over. The Marcus chat person told me I had XXXX days but they told me this with my chat and not before.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint because XXXX, XXXX, and TransUnion have refused to remove fraudulent accounts and unauthorized inquiries from my credit report, despite multiple dispute attempts. These violations infringe upon my rights under Section 609 ( a ) ( 1 ) ( A ) of the FCRA [ 15 U.S.C. 1681g ( a ) ( 1 ) ( A ) ], 12 CFR 1006.34 ( b ) ( 5 ), FCRA Section 605B [ 15 U.S.C. 1681c-2 ], and other consumer protection laws.

The following accounts were fraudulently opened in my name : Fraudulent Accounts : XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX  Open date : XX/XX/XXXX XXXXXXXX XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX  Open date : XX/XX/XXXX XXXX XXXX XXXX Open date : XX/XX/XXXX These inquiries were unauthorized : Fraudulent Inquiries : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX These inaccuracies have caused severe damage to my financial standing and mental well-being, including denied credit and housing opportunities. I demand immediate resolution and request that the CFPB investigate these violations and compel the credit bureaus to take corrective action.

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 2024-09-28 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: PA

Complaint narrative:
Hi, my name is XXXX XXXX, I am writing to delete the following information in my file. The items to be deleted are listed on my uploaded dispute documentation. The information I have listed on my dispute letter does not belong to me and I would like this information investigated and the items removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX I made a transaction on a website called XXXX Upon completion of the transaction I was not given an order number, raising alarm bells tome, as I have always been given an order number on other sites. 
I then emailed XXXX to request my order number. I had not received a response by the following morning so i called them with the number provided on their site at XXXX XXXX on the morning of XX/XX/XXXX. 
At this time, less than XXXX hours after the initial transaction, the transaction was still shown as " pending '' on my Chime app. I then called Chime to request that the transaction be cancelled as it was shown as pending and had not been completed. Chime refused to cancel it. I told them that as it was not shown as completed then it can be cancelled as it is my money and it should be no different than putting a stop payment on a check. They refused to honor my request. It is my money in my account. They have no right to give my money away if i say not to. I am very sure that XXXX is a scam and will be reporting that site, also. So, Chime is forcing me to allow the transaction to complete, against my wishes, and would not guarantee refund of my money that they allowed to be disbursed. 
This event is the same thing as Chime holding my front dooropen to a person that was going in to steal my property and I tell them to close the door and they refuse. In that onstance, legally, they would become accomplices to the crime, as I believe they have in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: OneMain Finance Corporation
State: GA

Complaint narrative:
After a pre-approve on XXXX website the application didn't process as the site said I have a credit freeze on the account. There is no credit freeze and still got a inquiry on my report. I called to verify if the application went through and it didn't so I was given an email to send screenshots but no response from their department to resolve it. I have attached screenshots to show what happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: CA

Complaint narrative:
This account was XXXX  days late on the following date ( XX/XX/year> ) Since then the aocount has repeatedly been mark as XXXX  days late XX/XX/year> and XX/XX/year> as you know its impossible to be XXXX  days XXXX  months in a row. This is not accurate payment history. This inaccurate information and not 100  % Accurate and falsely manipulates my credit worthiness and is hurting my ability to attain credit. Any accounts not 100 % Accurate must be deleted off my credit report by law. You faled to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX 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 2024-09-29 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
This information is being reported on my credit report. I have no knowledge of this company nor have I ever done business with Columbia DEBT RECOVERY. They are reporting that I owe them a balance of {$8600.00} and last reported this information on my report this month XX/XX/XXXX. I have called and asked them to remove this from my credit report, as I have never done business with them. I have asked to be sent copies of the original contract and documents signed with their company showing that I have a debt or assumed credit with them as of XX/XX/XXXX. Every time I have called and spoke with someone at this company and ask them to remove and request the documents, they are uncooperative and will not provide these original documents showing I have done business with them with my signature. According to the Fair Credit Reporting act states that inaccuracies must be deleted. It is the consumer agencies responsibility to remove the inaccurate information and is illegal to continue to report this. This is affecting me obtaining credit where needed and correcting my personal credit report of the inaccuracies being reported as I am a victim of identity theft. I demand that this inaccurate information be deleted and removed from all my credit and consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau- cfpd Subject : Dispute of Credit Report Error Dear Sir/Madam , I am writing to dispute an error I found on my credit report formally. Please, address the following incorrect information. 

The information I am disputing is as follows : Account Name : Suntrust Bank Account Number : XXXX Description of Error : validate fair credit reporting act In accordance with the Fair Credit Reporting Act, the creditor has violated my rights under 15.USC.1681, section 602 - states I have the right to privacy. 

And, 15.USC1681a, section 2a, subsection I - states that transactions are not included in the Consumer Report. 

Also, 15.USCS.1666b- a creditor may not treat a payment on a account under an open or closed consumer plan as late for any purpose. 

This information is inaccurate and the continued reporting on my credit report validates my consumer rights. 
I kindly request that you investigate the matter and correct the error as soon as possible. 
I would appreciate written confirmation once this error has been corrected. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2024-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My complaint reason is that Citi bank closed my account. They approved me a card and then requested from me signed document. I sent them signed document on time, after that I called them and they told me that I just need to wait until they process it. Then I logged to my account and saw it is closed, despite me making minimum payments and sending document.

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 2024-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/year>, I was attempting to purchase XXXX XXXX XXXX football tickets from the XXXX XXXX  " XXXX XXXX XXXX. '' I was instructed to pay {$500.00} via XXXX XXXX. XXXX XXXX did not work, and then I was then instructed to send the {$500.00} via Venmo to " XXXX XXXX '' ( XXXX  XXXX ). I sent the {$500.00} using Venmo tied to my XXXX XXXX  checking account. I found multiple accounts linked to whom I was sending the money which made me believe I was being scammed. I then immediately contacted Venmo to alert them to the fraud and provided over 20 Venmo accounts related to the fraud, including potential perpetrators, before the money was moved to other accounts. Venmo did not react with any sense of urgency. I then reached out to XXXX XXXX and had the transfer from the bank to Venmo stopped. Venmo then suspended my account for non-payment. 

Venmo instructed me to file a police report with my local police department to present to Venmo to dispute the charges. Law enforcement chose not to investigate. 

I have repeatedly reached out to Venmo to restore my account due to fraud. Venmo has yet to restore my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: TN

Complaint narrative:
This CFPB has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681 c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit Capital XXXX account opened XX/XX/XXXX, an XXXX XXXX XXXX XXXX account opened XX/XX/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 XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent report. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief