vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 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: Lockhart, Morris & Montgomery Inc.
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear LOCKHART, MORRIS & MONT, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside Missouri identity theft fraud laws, specifically Missouri Revised Statutes Section 570.223. 

It has unequivocally come to my attention that LOCKHART, MORRIS & MONT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, specifically Missouri Revised Statutes Section 570.223, underscores the necessity of consumer consent for credit reporting and the severe implications of identity theft and unauthorized use of personal information. 

I assert with unwavering certainty that I have not provided consent for LOCKHART, MORRIS & MONT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that LOCKHART, MORRIS & MONT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri Revised Statutes Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that LOCKHART, MORRIS & MONT will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Synchrony Bank XXXX XXXX account is still showing up on my credit reports and with a balance even though the account was transferred to another party that is actively collecting on the same 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 2024-05-17 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPLE. I noticed on my Experian credit report this week that you ( experian ) have reported a charge off, which is that has been XXXX and you did a tax write-off. After contacting the IRS they stated that it is illegal for you to report this information on my credit report to try to collect or have a charge status. This is called tax fraud at the IRS and you will be reported for it. I urge you to remove this item from my credit report and file a XXXX so I can review it to make sure you are in compliance. You violated FCRA 15 USC 1681eb and the information you reported is not 100 % accurate. I have been directed by the IRS to file a Form XXXX, Reporting Illegal Tax Violations Against Your Business. I'm pretty sure your CEO or VP and legal board doesn't want to go to court over this. Companies violating any of the XXXX codes in the FCRA are entitled to actual damages and monetary compensation. The accounts that are Charged off and hindering my financial health are listed, XXXX XXXXXXXX XXXX XXXX I sent you Certified mail That XXXX XXXX  could not validate the debt they say I owed them here is the tracking number XXXX. Since your company or the company mentioned above can not validate this CHARGE OFF I want it removed from my credit report. Once again you are committing XXXX fraud and should take this matter seriously.

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 2024-05-17 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 2024-05-17 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
XX/XX/XXXX I paid a credit card deposit to XXXX XXXX XXXX of {$1200.00}. 
XX/XX/XXXX I paid an additional credit card of {$300.00} deposit to XXXX XXXX XXXX. 
XX/XX/XXXX XXXX sent XXXX XXXX XXXX XXXX movers XX/XX/XXXX after several delays XXXX, the delivery driver, arrived to deliver my belongings but only brought half. 
XX/XX/XXXX after a week of calling the movers they said " we looked everywhere, we can't find your things. We marked it lost, so you can stop calling and file a claim. '' Since this meant they " lost '' over {$50000.00} of my belongings and refused to provide me with the GPS and digital tracking they claim to have, I disputed the charges since they failed to provide the service they promised which was safe delivery of my entire inventory. 
I was refunded the {$300.00} deposit from XX/XX/XXXX, but USAA said initially that the other financial institution refused to refund the {$1200.00} deposit. I reopened the dispute mutiple times with USAA and the credit card department agreed that it should be refunded, but they told me each time that a different department handled disputes and each time that dispute was refused. 
I then filed a small claim against the movers and had my claims hearing on XX/XX/XXXX. The movers never showed and I was awarded the full amount claimed. The movers did not pay the judgement within the 30 days, so in XX/XX/XXXX, I again reopened the dispute with USAA and uploaded the court judgement that stated that the company owes me the money and getting denied yet again, I asked that the dispute be escalated and at the final escalation the only explanation they had for declining it was that the timeframe to file the dispute had passed. So they agreed that the dispute was valid, but they acted like I was making a new dispute rather than reopening the original dispute. 
I do not believe that is an acceptable excuse to refuse to refund the money as the court process takes time that I can not rush and then after the judgement I had to allow 30 days for the company to abide by the court judgement. I also was not making a new dispute, I was reopening a dispute that was filed well within the timeframe. The refusal to refund the money has no justification. The {$300.00} was refunded based on the exact same dispute, so the {$1200.00} must also be refunded since both disputes had the same justification.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Attention : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, Barclays XXXX XXXX [ last name undisclosed ] Dear XXXX XXXX [ last name undisclosed ], Thank you for your letter of XX/XX/2024. 

Unfortunately, contrary to your belief, the issue remains unresolved. 

I kindly ask once again that you please explain why/ how Barclays pays a merchant XXXX amount and charges its client a higher amount? 

Such is the fundamental question underlying the dispute at hand. 

It may be more expeditious to have a conversation with you or another Barclays representative. I have left multiple messages at the number included in your letters with no response to date. I would most sincerely appreciate a return call. 

As repeated before, I am very interested in resolving this dispute and ensuring that my health insurance coverage is not placed at risk. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have filed multiple disputes with the credit bureaus regarding an account that is reporting inaccurate and incomplete information. XXXX deleted the inaccurate account after a proper investigation. Firstly, the account in question was initiated in XX/XX/XXXX, and I paid on time every month. However, the contract for the rental apartment being reported inaccurately shows a start date of XX/XX/XXXX. Evidence supporting this is attached. 

Secondly, the third-party debt collection agency, XXXX XXXX XXXX XXXX XXXX my rights under the Fair Debt Collection Practices Act ( FDCPA ) by failing to inform me of my right to dispute the debt. Additionally, the agency provided contradictory balances owed, further violating the FDCPA. 

Furthermore, the data reported by the credit bureaus regarding the terms, monthly payments, account type, payment history, and the status of the account ( open/closed ) are all inaccurate. This account is reporting incorrect, incomplete, and misleading information. Again, evidence is attached. 
XXXX. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) : Under the FCRA, credit bureaus are required to report accurate information. Any incorrect or incomplete data must be corrected promptly once disputed. 
15 U.S.C. 1681i : Requires credit bureaus to conduct a reasonable investigation upon receiving a dispute. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) : 15 U.S.C. 1692g : Requires debt XXXX to provide a validation notice within XXXX days of the initial communication, informing the consumer of their right to dispute the debt within XXXX days. 
15 U.S.C. 1692e : Prohibits debt XXXX from using any false, deceptive, or misleading representation or means in connection with the collection of any debt, including providing inaccurate balances.

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 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
This is a follow up since I can not locate or find any information on cancelling a complaint. File : XXXX can be cancelled or disregarded by the company as my card was finally unblocked. It can only be used for domestic purchases which is why it was constantly being locked by this card company. I was attempting to make purchases outside the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: IL

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
My Equifax score has not refreshed for a few months. I think my credit with equifax is split. Too many soft inquiries. I called equifax and the sent a ID verification to my phone and it was not successful on Equifaxs end. I need this fixed. It says on their end its a technical error. I provided code XXXX  to agent. I just want to see my equifax updated score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: VA

Complaint narrative:
Hey my name is XXXX XXXX XXXX I have recently discovered unauthorized fraudulent ACCOUNTS and inquiries on MY XXXX credit report THE ACCOUNTS ARE un accurate And By law Under, 15 U.S Code 1681b - Permissible purposes of consumer reports IN GENERAL Subject to subsection any consumer reporting Agency By law is required to furnish this account Without proof of Written consent

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 2024-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Good afternoon, Back in XX/XX/XXXX I fell for a scam which resulted in a fake check being deposited into my account. My checking account ending in XXXX was promptly closed and I was flagged for fraudulent activity. I should have reported back then that I feel I was not given a fair investigation since the check wasnt even signed by me and was clearly edited but Im assuming its too late. Because the check bounced I then owed Santander {$1400.00}, which I have been unable to pay back until now. Twice have I overnighted a check to their case management department at XXXX XXXX XXXX XXXX RI and the first time I had to put a stop payment after 2 weeks because the check hadnt been deposited nor would any Santander agent confirm it had at least been received despite the fact my tracking number confirmed delivery. I keep calling their fraud department and the agents keep escalating the case and claim it takes a max of 3 business days to get a response, that was done at least 5 times and not once was I given an answer. 


With the fraudulent activity on myXX/XX/XXXX consumer report I am unable to open other accounts without this mark being removed. I am actively trying to pay Santander their money back and its as if they dont want to take it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2024-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX {$25.00} payments were taken out of my savings account via ACH by XXXX, listed as " ACH Withdrawal XXXX XXXX RETURN FEE. '' These transactions were subsequently returned on XX/XX/XXXX due to insufficient funds. On XX/XX/XXXX, I called XXXX to inquire about these charges and spoke with an agent named XXXX XXXX. She stated that she could not see any such transactions on my account. It has been several months since I returned anything to XXXX, and there was no prior policy indicating I would be charged any type of return fee. This situation is fraudulent, and XXXX is effectively stealing from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Someone applied for a Chase business card in my name without my knowledge or consent. I called the company to dispute this and they denied the application. I am submitted this for a record of the fraud.

Company response to consumer: Closed with non-monetary relief