vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/XXXX I opened an account with XXXX XXXX XXXX Synchrony Bank ), in XX/XX/XXXX I was told that the account was closed. I opened this account with XXXX XXXX because I needed new furniture as my family was expanding so I went to the furniture store to buy a bedroom set. It was suggested to me by the sales clerk to open a line of credit which I did and I was approved for {$10000.00}. I purchased my bedroom set and went on auto-pay for my monthly payment. 
In XX/XX/XXXX we got a bigger apartment and decided to get a living room set to accommodate the family, so I went back to city furniture to utilize some of the credit that they had given me. I continue to make monthly payments as indicated in my contract. 
In XXXX of XXXX, I decided to log into my account so I could put more money into my monthly payments but found out that my account was closed. I called the bank customer service several times to figure out why my account was closed. I was transferred to several different department heads who were not able to explain to me why my account was closed and instead redirected me to one of the credit bureaus XXXX. 
When I contacted XXXX and got an updated report of my credit all three bureaus are reporting me in good standing. I went back to Synchrony Bank and tried to get some answers as to why they are negatively impacting my credit by closing the account to which they have not supplied to me. I am filing this complaint to get my credit reestablished with the bank as I am looking to purchase at home and this action is impacting me financially. 
I have attached a copy of my credit report showing me in good standing with my payments and my identifications. 

Please Advise

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 2024-05-30 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: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i recently received a check for my rent from back when XXXX was around it took many years to get it but i signed it over to my landlord for my back rent but when she deposited it to her account the bank thought it was fraud no matter what we do they dont beleave us i had to get a new phone in my name but that doesnt work cause its not linked to my name we dont know what else to do. my landlord needs her money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-30 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXXXXXX XXXX XXXX  XX/XX/24 I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2024-05-31 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: TX

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 explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/XXXX I spoke to XXXX at PenFed and asked for my account to be closed. She instructed me to turn off my card on the PenFed and pay my balance. She informed me that I had {$32.00} in their regular savings account and {$220.00} in XXXX XXXX XXXX I sent a check for the balance on my monthly statement ( {$1000.00} ) and a 2nd check in the amount of {$360.00}, which XXXX said would pay my account in full. Those checks were cashed by PenFed on XX/XX/XXXX. 

However, in XXXX, XXXX, I received another statement from PenFed claiming that I had a balance of {$160.00} due, which included a {$21.00} fee. I spoke to XXXX initially and she transferred me to XXXX XXXX card account disputes ) who said he could wave the {$21.00} late fee leaving a balance of {$140.00} due. I sent in a check for that amount on XX/XX/XXXX which was cashed on XX/XX/XXXX with the understanding that my account was now finally closed. 

In XXXX, XXXX I was notified by PenFed that my account still was not closed. I spoke with XXXX who informed me that my card was closed but my account was not. She transferred me to XXXX who said she could remove charges for two different automatic payments ( which admittedly I had forgotten to cancel ). I explained to her that my XXXX XXXX autopayment had been rejected so didn't understand why the other two had been accepted. She confirmed that I should have had a XXXX balance for XXXX. She stated that I had {$37.00} in my savings account with PenFed. I was then transferred to XXXX who said she had to present my case to her supervisor to get the credits approved and bring my account to closure. She said it might take until the next day but that she would call me back when it was approved and that they would mail me a check for the {$37.00} in my savings account. She didn't call back. 

On XX/XX/XXXX ( XXXX ) I called PenFed and spoke to XXXX. She said that the XXXX charges were still on my card and that PenFed would not close my account until I paid. She said she would have a supervisor call me but this didn't happen so I called back. This time ( XXXX ) I spoke to XXXX who said that I still owed for XXXX charges even though I had requested account closure in XXXX, XXXX. 

I have spent a few hours on the phone with these people and put on hold for minutes and minutes at a time and multiple times in each phone call.

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 2024-05-30 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed 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 non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
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 2024-05-30 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: WA

Complaint narrative:
I received a Credit Report XXXX. I was reported as an Authorized User. This was reported to have started in XXXX. I did not agree to any account for a credit card. When I called the company ( XXXX XXXX ) they refused to file a credit report dispute.

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 2024-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: SC

Complaint narrative:
Collection agency is claiming I owe XXXX for XXXX XXXX XXXX XXXX XXXX services. I have never had XXXX XXXX XXXX  at my home. I ask representative for validation and she stated no one signs for XXXX XXXX XXXX service. I would like this remove from my credit report because I did not open it. The representative stated that maybe someone else opened it at my home which is untrue because I'm single. Please have them seen me the original debt or where someone signed because I did not.

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 2024-05-30 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 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 2024-05-31 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: FL

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding late payments. Over 30 days ago, I sent letters to your company requesting validation of these reported late payments, but I have not received any response or satisfactory evidence to support them. 

Despite my efforts to resolve this directly with your company, the incorrect late payment information remains on my credit report. This is negatively impacting my credit score and ability to obtain financing. I have included copies of the relevant portions of my credit report along with this letter. 

I am respectfully requesting that you investigate this matter and promptly update or remove any unverified late payment information from my credit report. Accurate credit reporting is crucial, and I expect your full cooperation in correcting these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-05-30 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a XXXX  violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
EQUIFAX IS IN BREACH AND VIOLATION OF MY PRIVACY and FCRA SECTION 1681 ( C ) EQUIFAX was not able to provide a full report on how the disputed account was verify, and how Equifax is in COMPLIANCE WITH THE FRCA AND FDPA. EQUIFAX CAN NOT TRUMPLE THE LAW!

THE DISPUTED ACCOUNT SEEMS TO BE A CHARGE OFF. CHARGEOFF ACCOUNTS ARE CONSIDERED INCOME AND CAN NOT BE REPORTED ON CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: NV

Complaint narrative:
I was trying to purchase house when I found out that there are damaging inquiries on my report according to 15 U.S.C 1681 law there should not be any damages on 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 2024-05-30 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: TN

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancelation of Debt ) from the following charged off accounts listed below. XXXX XXXX XXXX XXXX After calling XXXX XXXX XXXX they stated their debt was paid off by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C.

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 2024-05-31 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 significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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