vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The MasterCard bank sent me a letter XX/XX/XXXX saying they are reducing my credit limit to {$870.00}. They cited such things as " variance in monthly payments on the account last quarter '' and that XXXX provided some of the information for the decision to reduce my limit. I called the bank several times and they could not tell me how they made the decision in light of a perfect on-time payment in full history since I opened the account in XXXX. The limit reduction to {$870.00} from {$10000.00} made the card practically useless. The bank said they would consider my complaint and let me know in 30 days. Meanwhile I got credit reports from all XXXX  agencies -- all showed a history of paying balances on time in full for all my credit cards -- a history going back decades! My credit score has been XXXX for many years. When I told the bank these facts, they still refused to restore my limit. I did have an unusual balance last quarter because I paid for XXXXXXXX XXXX XXXX with the card. Even though XXXX month was {$8600.00} it was paid in full on time. Subsequently I asked the bank what my former credit limit of {$10000.00} was good for. Is it the bank 's policy to enforce a lower limit than the stated limit? The XXXX rep told me there were no adverse data on my credit report and he said that XXXX did not recommend anything to the bank. The bank made the decision. It is a terrible way to treat a stellar customer. I still would like to know when they will restore my limit.

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 2024-10-10 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MA

Complaint narrative:
A loan balance transfer was sent to FirstMark from XXXX XXXX, effective XX/XX/XXXX. XXXX covered the total balance due amongst four accounts under FirstMark for a total sum of {$21000.00}. FirstMark called to collect a payment on XX/XX/XXXX and on XX/XX/XXXX saying there was a past balance due. After the XX/XX/XXXX call, I called them back and reported to them that I had sent over a loan transfer and that the balance should be paid in full. I then made a payment on XX/XX/XXXX for {$620.00}. On Monday XXXX I checked my FirstMark account and saw that the amount owed was {$0.00} and that all accounts were paid off. At this time, I was now owed {$620.00} because the initial {$21000.00} included upcoming payments for the month of XXXX. 

At XXXX I called FirstMark customer service and was told that the balance transfer went into effect on XX/XX/XXXX when XXXX initiated the payment. I asked the representative to credit me back the {$620.00} that I am owed. The rep did inform me that it takes 3-5 days to reflect back into the account I paid with. However, I received a notification from my credit monitoring service saying that I was delinquent on the four accounts with FirstMark.

I would like to see it that these four derogatory marks be removed from all credit reporting bureaus. The XX/XX/XXXX payment is noted in their system per the representative indicating to me on the call from XXXX. This is the true payment date and I would like to see FirstMark rectify this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: Credit Fresh Holdings Inc
State: PR

Complaint narrative:
To whom it may concern, I XXXX XXXX XXXX have requested two times that the information from Credit Fresh or XXXX be removed from my credit report since I did not authorize or open any accounts with your agency. Therefore, Im requesting Credit Fresh to cease and desist all contact methods and to send me a debt validation letter. I have frozen my credit report and report it the fraudulent account to all credit bureaus and also I report it to identity theft. Some of the laws you may be subject to are as follows : 18 U.S. C. 1028 Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. 
Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 informationisinaccurate.

Please remove these Inquiries from my credit report. 
These inquiriesarelisted : 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

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 2024-10-10 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: CA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-10-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute to Experian on XXXX 2024. The dispute was opened on XX/XX/2024 and closed on XX/XX/2024. Nothing was changed on my report. I am wondering how in XXXX days and investigation was completed. I did receive any written paperwork regarding the investigation and what information they found to justify the account was 100 % accurate. The account was my Mortgage account with XXXX XXXX  account # 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 2024-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/scrub>XXXX Someone applied for a credit card that was fraud

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 2024-10-10 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: LA

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. Account name XXXX XXXX Account # : Unavailable I looked at my transition credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( XXXX  ) of any information disputed by a customer, 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 the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor 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 2024-10-10 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: NY

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 2024-10-10 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: NY

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 XXXX XXXX  account [ 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 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 2024-10-10 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: NJ

Complaint narrative:
Please remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.

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 2024-10-10 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: TX

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2024-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: GA

Complaint narrative:
This debt was notified that it was resulted of identity theft. I contacted NRA through the CFPB regarding this debt. Stated on XX/XX/2024XX/XX/year> this debt was supposed to be removed and closed I have an updated report on XX/XX/2024 stating this debt is reported. Im making another complaint regarding this collection this company has not yet removed off my credit report but has updated on my credit report regarding my remarks.

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 2024-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARS National Services, Inc.
State: PR

Complaint narrative:
This debt collection company contacts me, calls, and sends collection letters for a credit card debt that is not mine. I asked for evidence about the account and as of today, I have not received the evidence or the validity of the account. 
accounts are credit card XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: TX

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: PR

Complaint narrative:
I have requested several disputes from XXXX Credit Report about an account in the credit report and as of today they have not validated the account, nor have they deleted it. The account is a credit card, I request it be removed from the credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I have requested several disputes from XXXX Credit Report about an account in the credit report and as of today they have not validated the account, nor have they deleted it. The account is a credit card, I request it be removed from the credit report 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 explanation
Consumer complaint received 2024-10-10 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I requested Chase Bank to take a look at a fraudulent charge over {$500.00} plus in XX/XX/year>. I reported as fraudulent first and the situation without speaking to me without details was drawn out twice over several months for it to get resolved. They said it could take 90 days. Once they contacted they advised the charge would stand, and provided me with no evidence of why it would stay. I had to dispute the charge with the dispute center and it took them days to give me back a response saying it has been too long since the purchase and the charge would stand. 

This is a diabolical response because Chase Bank prolonged the process for months without a response since XXXX to fix this that now its been too long and I have been waiting for them to fix it. This is an unethical practice to prolong a response to now lay it on the consumer to pay for a charge that was never made by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: TN

Complaint narrative:
I discovered inaccuracies on my credit report, as outlined in 15 USC 16c-2, which I believe are affecting my creditworthiness. The inquiries listed were not authorized by me.

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 2024-10-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mid-Atlantic Finance Co., Inc.
State: NC

Complaint narrative:
( Request ) complete original promissory note that shows my signature, account transaction history, required default or accelartion notices, notice of sale document, calculation of surplus or deficiency letter, any additional contracts included thats related to insurance, the buyers guide, the purchase order.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Contacted the collections dept XXXX seperate times on XX/XX/XXXX due to being in XXXX of the XXXX counties under a state of emergency due to XXXX XXXX that ravaged the state. 

The XXXX rep was rude and told me my zipcode wasnt on the list... um excuse me!? XXXX XXXX as a whole is under a state of emergency so zipcode is irrelevant XXXX rep begrudgingly offered me a XXXX month extension and asked questions such as " how much are u losing and whom do u work for? '' I fail to see how these questions are relevant XXXX rep I spoke to hung up on me after I asked to speak with a XXXX based agent and the XXXX afent decided to be rude and unprofessional when I called them out for not asking permission to place the call by saying " well u were talking n i didn't have the chance '' Then Supervisor XXXX pretty much blew me off and muted her line until I got frustrated enough to hang up

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have carefully reviewed my latest credit report and noticed a number of accounts that were added without my approval, which I believe are fraudulent.

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