vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 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: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
I have tried since 2022 to get this fixed ns the issue worsten I was requesting to get an account removed but since I talked to these agencies my life has gone to XXXX, after I called I started to get harrasing calls mail and other information stating I oed them monry I explained over the phone and written that it was not me however they said accurate I need help you are my last hope!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: PA

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the 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 2024-09-09 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: FL

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 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 ( 2 ) 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 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc.
State: CA

Complaint narrative:
Today XX/XX/XXXX, I got a notification from XXXX XXXX that there was activity new activity on my credit report upon review. I learned that tourist credit services added a collection under me for close to {$4000.00}. I have no knowledge of this. I dont know who they are what this is for And I just learned this today. I submitted a complaint with XXXX XXXX and I reached out to the company who is closed already today

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: MO

Complaint narrative:
On XX/XX/XXXX I noted on my credit that there was a credit card reporting huge balance on my credit file. I called all the 3 major credit bureaus and they confirmed that there was an acxount in my name. I did a follow-up up & more research. I found out that a brother of my girlfriend who.was living with us was behind this fraud. I confronted him with the information & evidence from one of the phone he was using under my name. He admitted to doing it blaming on his XXXX but promised to pay the who account in full. He begged me not to.report this to police because he did not want to go back to XXXX I talked to discover about making a payment until everything was cleared while the account was closed. He started paying it in installment & I started making the payments. Unfortunately due to his XXXX complications he died on XX/XX/XXXX. I questioned why he was able to open an account in my name yet I have remarks added in all the 3 credit bureaus saying not to extend credit without first contacting me & I have provided my phone number. Discover never contacted me before opening this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I recently reviewed my credit report and found several inaccuracies on my account, which are negatively impacting my ability to obtain credit. I understand that it is your responsibility to investigate these discrepancies to ensure the information is accurate. 

Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] [ XXXX ] report activity XX/XX/year> and then it says the report is open and 120 days late every month XXXX : [ XXXX XXXX ] [ XXXX ] This account is showing twice on my credit report open and a charge off XXXX : XXXX XXXX XXXX ] [ XXXX ] This account is showing twice on my credit report open and a charge off XXXX : [ XXXX XXXX ] [ XXXX ] TThis account is showing twice on my credit report open and a charge off XXXX : [ Sunrise Credit Services XXXX [ XXXX XXXX This account is showing as an open charge off account and updating monthly XXXX : [ Sunrise Credit Services XXXX [ XXXX XXXX This account is showing as an open charge off account and updating monthly XXXX : Sunrise Credit Services ] [ XXXX XXXX This account is showing as an open charge off account and updating monthly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: Synovus Bank
State: FL

Complaint narrative:
I recently reviewed my credit report and found several inaccuracies on my account, which are negatively impacting my ability to obtain credit. I understand that it is your responsibility to investigate these discrepancies to ensure the information is accurate. 

Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] [ XXXX ] report activity XX/XX/year> and then it says the report is open and 120 days late every month XXXX : [ synovus/first progressive ] [ XXXX ] This account is showing twice on my credit report open and a charge off XXXX : XXXX synovus/first progressive ] [ XXXX ] This account is showing twice on my credit report open and a charge off XXXX : [ synovus/first progressive ] [ XXXX ] TThis account is showing twice on my credit report open and a charge off XXXX : [ Sunrise Credit Services ] [ XXXX XXXX This account is showing as an open charge off account and updating monthly XXXX : [ Sunrise Credit Services XXXX [ XXXX XXXX This account is showing as an open charge off account and updating monthly XXXX : Sunrise Credit Services ] [ XXXX XXXX This account is showing as an open charge off account and updating monthly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
ORDER # XXXX I returned 2 pair of shorts. Saks Fifth Ave received the return on XXXX XXXX. I received an email stating the refund would be issued within 10 to 14 business days. I contacted them on XX/XX/XXXX they said it would be issued on XX/XX/XXXX but as of today I still have not received a refund for 2 pair of shorts I returned on my Saks Fifth Avenue store credit card. I dont have the shorts or the return credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I have tried for over 30 year to apply for a simple credit card. Either through my banks or XXXX. I have applied for XXXX to Kohls just for school clothes for the kiddo 's, I get a denied. 
I made {$72000.00} last year and still denied. I paid off my 5 year car loan with 97 % on time My payments were through XXXX XXXX in XXXX XXXX. I received my pink slip and the purpose was to Build Credit. Its at XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/year> I opened an account with the local Chase Bank in XXXXXXXX XXXX with a check in the amount of {$3900.00}. A day after my account was opened I received my debit card in the mail at my home and made an online payment to XXXX XXXX  in the amount of {$300.00} ( which cleared ) and linked it to my XXXX account. 

The following day I was informed the account was closed and went into the branch. I was informed then that the remaining balance ( of {$3600.00} ... this also included a {$5.00} deduction for rushed debit card delivery ) from the check that I opened the account with would be mailed within three weeks to my home address. No reason for the account being closed was provided. 

A letter was received noting the XXXX card payment, but after three weeks no check arrived. I called customer support and was informed that if it had not arrived in four days to call back. After a week I called again and was informed it would be two more days. 

On Wednesday XXXX I called again and was told I needed to go to the branch and file a Declaration of Loss. On Monday XXXX I went to the local branch and met with the banker who opened my account, who had to call internal escalations to understand what the problem was. 

At that time, the escalations department claimed they could not verify the issuer of the check was legitimate, and that there was a " number that was off ''. They also stated that since they had an antiquated system they could not verify the issuer and that the money would eventually go to the state. 

The bank of issue for this check was also Chase, and the issuer is a large title company. This is a completely different story than I've been told for the last six weeks and I was offered no path forward. 

Upon contacting the title company that wrote the check, we confirmed that the funds had cleared their account. This is having a devastating effect on my life as this money is a paycheck from my work as a real estate agent and is necessary for me to live and pay my bills. 

Thank you

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

Complaint narrative:
I have other documentation from other companies related to my Equifax Credit Report based off of my Equifax Credit Report Equifax have breached the fair credit act law and I feel the need to seek legal damages financially in {$100000.00} I want arbitration started I have other documentation from other companies related to my Equifax credit report based off of my Equifax credit report Equifax have breached the fair credit act law and I feel the need to seek legal damages financially in {$100000.00}. I want arbitration started Equifax do not have my permission to further any investigation related to my account. 

I want Equifax to lock and block my account. Equifax do not have my permission to continue working on my credit report. Im done. Im seeking legal action of you and I will be contacting my lawyer. Im gon na sue you. I got evidence from a company that shows you breach the fair Credit act allow Im seeking legal damages, punitive damages, emotional distress, damages, pain, and suffering damages Stop working on my account. I want it blocked today. Equifax dont have my permission to contact none of my lienholders. Equifax. Dont have my permission to make contact with none of my credit card company. I wont this matter before an arbitration ASAP. This week Im gon na sue you and I got evidence.

And Im also going to get my lawyer to file complaint on you for denying me my legal rights for arbitration I want the arbitration information and I want it today and I hope somebody get fired Im gon na sue you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello, so the situation is a check that I wrote to pay our landlord. XXXX XXXX XXXX XXXX. The check was/is from XX/XX/year>. The amount is {$5000.00}. The check was never received by the landlord and the company that manages the property we rent from. We have been in our location for 5 + years, and we have NEVER experienced an issue like this. The bank that the check was cashed is from US bank and its been two years now me having to go to the bank, give fingerprints, open a case and the case NEVER gets resolved. its just alot of running around and back and forth, and the case never reached the person that is suppose to. and the case gets dismissed. I have gone to the bank several times to do this process. They fraud department recommended me to complain here. I am coming up on two years now with my {$5000.00} just missing and the bank has done nothing to replace or figure who cashed the check. 

Please if there is any way I can be advised what else I can do to replace my money? The bank has my fingerprints and I've been dealing with this for two years. I don't know what else to do and the bank has not done much at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: CA

Complaint narrative:
They keep reporting to the credit reports I had late marks 1 60 days and 2 90 late marks. I have disputed it with the creditor XXXX XXXX XXXX XXXX  and they are reporting an address that I never lived at which is still reporting to my credit report. XXXX XXXX XXXX XXXX XXXX XXXX. This account had been paid in full and it says the late payments were from XX/XX/scrub>XXXX XXXX

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

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: GA

Complaint narrative:
This company has used my information fraudulent and unauthorized transactions, amounts don't add up and need to be investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: GA

Complaint narrative:
This company has used my information fraudulent and unauthorized transactions, amounts don't add up and need to be investigated.

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

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reached out directly to XXXX XXXX XXXX and the consumer reporting agencies via certified mail to disputed inaccurate information being reported on my XXXX and Experian consumer reports.. I allowed the furnisher 30 days which is the time frame allow by law to do an investigation and respond to my disputes. So according to 15 USC 1681 s2 unverifiable inaccurate or incomplete information must be removed from my consumer report in accordance to 15 USC 1681 i ( 5 ). This company did not respond to me within 30 days therefore, this means the information is not verifiable. I demand this account be removed from my consumer report for reporting inaccurate information. Please see the attached documents Account number # XXXX. 
Account number # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Portfolio Recovery Associates , LLC Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief