vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX is reporting a debt on my 3 credit reports and I've never done any business with them. I don't know much about them other than what I've read that they are known for trying to scam consumers out of their money with unverified account information. Because I've never done any business with them I demand to see verifiable proof of the original contract bearing my signature that I signed for this debt. Also a copy of payment history from the original creditor that I supposedly did with them. Name and address of the original creditor and proof that you either own or have been assigned this debt to collect. Failure to provide proof within 30 days of receipt of this complaint will leave me no choice but to exercise my rights under the Fair Credit Reporting Act 15 USC 1681N and 15 USC 1692g which I've never received anything from this debt collector.

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 2024-11-19 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
They called me 7 x in a day yesterday left 5 voicemails and I had told them repeatedly that the debt would be paid in full by XX/XX/year> They have called me up to 9 x in one day and left several voice mails I do collections and know you can not leave that many voicemails and harrass people like that daily, and yes it's been daily

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

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.

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 a 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 non-monetary relief
Consumer complaint received 2024-11-19 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: EQUIFAX, INC.
State: WA

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.

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 a 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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

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 the attached file for what I am complaining about and take immediate actions.

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 2024-11-19 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: OH

Complaint narrative:
I am writing to file a formal complaint against TransUnion and XXXX for their refusal to remove inaccurate and unauthorized information from my consumer report despite multiple attempts to dispute these errors. These actions have caused significant harm to me, including the denial of credit, and I am seeking compensation under the Fair Credit Reporting Act ( FCRA ). 

The information in question is inaccurate and was never authorized by me. I have initiated disputes with both TransUnion and XXXX, yet despite my efforts, neither agency has provided me with the required debt verification letters or removed the erroneous information. According to the FCRA, specifically Section 1681i ( a ), I am entitled to dispute inaccurate information on my credit report, and the agencies are obligated to conduct a reasonable investigation and correct or remove any information that can not be verified as accurate. 

Despite providing all relevant documentation to both agencies, neither TransUnion nor XXXX has verified the debt or offered sufficient proof that the information they are reporting is accurate. Both agencies have failed to send the debt verification letters within the timeframes required by law. As stipulated under Section 1681i ( a ) ( 1 ) ( A ) of the FCRA, if the information can not be verified within 30 days, it must be removed from my consumer report. 

Furthermore, these actions have had a severe negative impact on my financial well-being. I have been denied credit on multiple occasions due to the presence of this inaccurate information on my consumer reports. This has caused both financial distress and emotional harm, as I am being unfairly penalized for inaccuracies that I have disputed in good faith. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate the actions of TransUnion and XXXX, enforce the provisions of the FCRA, and ensure that these inaccuracies are corrected and removed from my reports. I also request that I be compensated for the damages I have incurred as a result of their failure to adhere to the requirements set forth by the FCRA Section 1681 ( n ) & 1681 ( o ) Please let me know if any additional information is needed for this complaint. 

Thank you for your prompt attention to 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 2024-11-19 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: NC

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 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 2024-11-19 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: NC

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 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 2024-11-19 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: NY

Complaint narrative:
recently l locked at a copy of my credit report and noticed inaccuracies on my account this account is hutting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy here is the item l am asking you to verify as cocurate XXXXXXXX XXXX  XXXX as shown on your 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 2024-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I transferred {$500.00} from my chase checking account to my XXXX XXXX XXXX XXXX checking account on XXXX as an instant transfer. The money did not go into my XXXX account. I called chase on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX trying to locate the trace ID number that XXXX XXXX said is the only number they can use to search for the funds with. Chase informed me that the transaction was successful on their end. Over the course of these dates, I called to try to get a trace ID number from Chase and the XXXX people I spoke with did not have access to this number. A case was finally opened onXXXX where chase said their back office team would try to locate where the funds went, and that it would take between XXXX to XXXX business days to have an update. They informed me that I have to call them and they could not call me. I called back on XX/XX/XXXX so I could give them an extra day. when I called back, they had no new information and said that it would take between XXXX business days to research possibly more and to call back on XX/XX/XXXX. I also spoke with XXXX XXXX XXXX XXXX multiple times through email and phone throughout this period and provided them with all of the transaction codes and reference numbers ( excluding the trace Id that chase says doesnt exist on this transaction. ) They told me that they can not find the transaction with these numbers and will only accept the trace ID number to search. They will also not accept a proof of payment letter from Chase. At this point neither bank is accepting responsibility and is not really helping me get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In 2023 an account with a Care credit card using Synchrony bank was opened fraudulently in my name by someone I was in a domestic abusive relationship with. This person had full access to all of my financial material as well as my photo ID. I became aware of the account when i noticed payments coming out of my bank account months later. I reached out to synchrony bank who informed me there was a balance of around XXXXXXXX XXXX that had gone to collections. I informed them I did not open this account and therefor it had to be from my previous relationship where I was severely mentally, physically, and financially abused. The collector then proceeded to reach out to the veterinary clinic where this account was used and exchange details of the situation. They together contacted my abuser and gave them this same information. I was told they needed to confirm this information with the suspect of fraud and let them know the victim was asking them be held responsible which of course led to retaliation from my abuser. This situation has put me in immediate danger when all I am trying to do is remove something I never opened.

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 2024-11-19 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: MA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: MA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I asked them why did I owe XXXXXXXX XXXX to them and they said they would have to charge me a XXXX so they can pull my credit report and then when we find out it was my son who they were looking for they were trying to get me out of XXXXXXXX XXXX because they threatened it would stay on my credit report for XXXX years even if it was removed it would be under derogatory so after I was hesitant they said we can do it for a XXXX time payment of XXXXXXXX XXXX. I know they have probably gotten a few people with this tactic before I just want to put this on notice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: NJ

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: WI

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Title : Misleading Advertising and Unauthorized Transaction with Amazon Secure Card by Synchrony Bank Complaint : I applied for the Amazon Secure Card offered by Synchrony Bank after Amazon advertised it as a way to make purchases immediately with installment options. However, this was misleading. When I tried to use the card after depositing {$200.00}, I was unable to complete my purchase because I was asked for a security code that could only be obtained after receiving the physical card by mailsomething that takes up to 15 days.

I specifically chose this card based on Amazons claims that I could make purchases right away. This was clearly not true. I reached out to both Synchrony Bank and Amazon for clarification : Synchrony Bank claimed I needed to wait for the physical card for the code.

Amazon stated Synchrony Bank should provide the code immediately.

This back-and-forth left me unable to use the card for its advertised purpose.

Key Issues : Misleading Advertising : Amazon promoted the Secure Card as immediately usable, but this was not the case. 
Unauthorized Transactions : Even though I was unable to complete any purchase, Synchrony Bank somehow processed a {$15.00} Amazon XXXX charge on the account without my consent or authorization. 
Unjustified Credit Reporting : Despite not using the card and attempting to cancel it, Synchrony Bank reported delinquent payments on my credit report, which caused significant damage to my credit score.

Resolution Demanded : Immediate removal of negative marks from my credit report by Synchrony Bank.

Cancellation of any unauthorized charges.

Compensation for damages caused to my credit score and financial standing due to these issues.

The entire process has been misleading, frustrating, and harmful. I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), credit bureaus, and other relevant agencies if Synchrony Bank does not resolve this issue promptly.

I ntoiced in my credit report the wrong report by Syncrony Bank on XX/XX/year>

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 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I discovered that Capital One was charging me cash advance fees each month since XX/XX/XXXX, although I have not taken out any cash advances. I have attached each statement which shows that I did not take any cash advance for that month but for each of those months, I am charged a cash advance fee. This is excessive and fraudulent fees applies to me wrongfully, and this has interfered with me paying down my balance because I was wrongfully charges cash advance fees for XXXX amount of cash advances taken out for each month. I have attached each statement for which I was charged a cash advance fee but did not take out a cash advance. The statements attached are from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation