vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have two account with PayPal. A PayPal credit and a PayPal cashback mastercard. On the credit, I had a {$3500.00} limit. On the master card I had a {$2000.00} limit. I owed on both cards approximately 75 % balance. On the month of XX/XX/year> I completely paid both cards in its entirety. Leaving me with a XXXX balance on both. PayPal/Synchony bank decided to drastically reduce my credit limit on both cards to {$100.00} which is extreme. I understand the reduction in credit but that drastic is not fair. Especially when I have not been late or delinquent with their accounts. Ive since then reached out to PayPal and synchony expressing my frustration and concern with to remedy. Id really like my limits back to where they were and more if possible because Ive shown I can run up a bill and pay it off. Its not fair the way they drastically reduced my limit. It hurt my credit.

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 2024-12-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have reviewed my credit profile and noticed inquiries/ or collection that i have not given written instruction to 3rd parties to report to my file. According to The FCRA this is in violation of 15 USC 1681b- PERMISSIBLE PURPOSE. please understand that no consent is IDENTITY THIEF.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
First they have me as XXXX XXXX i was not that resident then sent me their bill even though XXXX XXXX. XXXX getting harassing calls from a debt co that has several different names and aliases. I have XXXX XXXX XXXX XXXXXXXX & this was an error from an XXXX XXXX who OVERBILLED ME, after i tried to get the office staff at XXXX XXXX XXXX XXXX to speak to me since i am XXXX - they refused and put me right into collections under XXXX days for a billing error the company that is harassing to arrest me has my mail and emails of my dispute i sent them it immediately - within XXXX hours! I sent an email and letter to dispute a fake debt created from an apartment complex error. They called several times a day and threatening to come put me in jail? The threats are escalating to where i called police to check and the officer saw everything even my paid up old rent from a year ago and said to report this to you. They then said they are sending someone to my work and house on a voicemail and letter. UDR aka XXXX did not even enter my XXXX XXXX after i vacated on XX/XX/XXXX- they then said they had issues getting my payments because they had issues on the app. They refused any payment there and i have certified copies and checks of my last rent payment. They tried to make me pay when i wasnt there and never fixed the error in their computer trying to charge me utilities and not use my deposit. They refused to contact me back via mail phone email AND SENT ME TO COLLECTIONS IN LESS THAN XXXX BUSINESS DAYS!!! Thats outrageous! Collections is at least XXXX days late!! Then they sent me all these letters and surveys a month old. I moved out in XXXXXXXX XXXX XXXX. Not XXXX. They have it wrong. You will see their active service request on XX/XX/XXXX that is when they took their time to inspect my XXXX XXXX i gave a 60 day notice already. They are at fault for not coming when i moved out in XXXX. I spoke to maintenance and they said they agreed and i have ring camera proof as well. When the XXXX refused to speak on phone email and their corporate office refused to answer my mail and emails and calls to correct this, they then took my cash money when i gave it to them after they threatened and demanded and theyre still sending me bills after i paid cash up front of this bill to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There are 2 Kohl 's CC showing up on my credit reports. The Kohl 's CC that was opened in XXXX is mine. The Kohl 's CC opened in XXXX is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Subject : Final Request for Removal of Inaccurate Collection Account Account # XXXX To Whom It May Concern, I am writing to follow up on my previous disputes regarding the collection account listed on my credit report under the account # XXXX. Despite my initial dispute and follow-up request for verification, this inaccurate collection account remains on my credit report, saying is Verify without proved.

I have provided evidence that the collection agency did not validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ), only accurate and verifiable information should be reported on my credit file. 
Since the collection agency failed to provide validation and my previous requests for verification have been ignored, this account should not appear on my credit report. This is my final request for the removal of this account. If you do not remove it, I will be forced to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for non-compliance with the FCRA. 
Please remove this collection account from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file. 
Thank you for your immediate attention to this matter. I expect a response within the XXXX period allowed by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, i am a TD BANK CUSTOMER, my account number ending # XXXX and my other account ending # XXXX the both were blocked by the bank, i was victicm of fraud on my account endin # XXXX and they gave a proper credit i move that money to my other account on XX/XX/XXXX and this day my account was blocked, i need my account back or close my account and send me my check. I have all the claim ids that they gave me when i submit the claim, and i do all the procedure, i put on the attach the claim ids numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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 writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-20 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of the following account that appears exclusively on my Experian credit report and not on the reports from the other XXXX credit bureaus. This discrepancy is a clear indication that the information is not valid and constitutes inaccurate reporting.

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 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am writing to inform you about an unfortunate incident involving an ACH payment. We received the vendor 's bank details and ACH instructions via email, and an ACH was scheduled on XXXX from our business account based on these instructions. 

On XXXX, the vendor notified us that they had not received the payment. Upon investigating, we discovered that the vendor 's email address had been hacked, and the bank details were changed by a fraudster, leading us to fall victim to this scam. 

We immediately contacted our bank branch, and the banker raised a request for an XXXX reversal. We were informed that we were within the time frame to retrieve the funds. However, on XXXX, we received an email from our bank stating that the XXXX could not be reversed. Upon further inquiry, we were told that the account the funds were credited to was frozen. 

We have also reported this incident to the local police office of XXXX XXXX. 

Please let us know how we can retrieve our funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TomoCredit Inc.
State: NY

Complaint narrative:
I subscribed to " Tomo Boost '' Credit Repair in-which they would provide a credit line and credit dispute repair program to help fix " inaccuracies ''. Their FAQ on their website states that you should see the credit line within XXXX business days. After XXXX business days I reached out and was told it can take up to XXXX business days and the credit line would only be at {$10000.00} whereas they advertised {$30000.00} without any gimmicks. 

Their credit dispute process is also not kosher. I have received a letter from XXXX that they were not accepting a dispute from them and when attempting to contact Tomoboost I can no longer login even after resetting my password. I have not received a refund from them as of this complaint so I have launched a dispute on the payment provided ( {$300.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: MI

Complaint narrative:
I am writing to dispute inaccurate information being reported on my credit file concerning a repossession related to my vehicle loan with XXXX XXXX XXXX. The account in question has caused significant hardship, including denial of auto loan approvals, and I request its removal from my credit report. 

The details of the issue are as follows : - The vehicle was repossessed in XX/XX/XXXX. 
- Initially, the repossession was inaccurately reported as occurring in XX/XX/XXXX. 
- I disputed the information in XX/XX/XXXX, and upon resolution, the repossession date was updated to XX/XX/XXXX, I spoke with Experian regarding this matter and was informed that they only report information provided by creditors. I subsequently contacted XXXX XXXX XXXX and was assured that updated information had been sent during the initial dispute. However, this has not resolved the issue. 

On XX/XX/XXXX, an Experian agent helped me submit another dispute. Despite these efforts, the continued reporting of inaccurate repossession information has severely impacted my ability to secure an auto loan and is causing ongoing financial hardship. 

Under the Fair Credit Reporting Act ( FCRA ), creditors and credit reporting agencies are required to ensure that the information they report is accurate and complete. Since this matter remains unresolved despite my previous efforts, I am formally requesting : XXXX. The immediate removal of this inaccurate account from my credit report due to the discrepancies and hardships caused. 
XXXX. Documentation verifying the updated information or a written explanation of why this issue persists despite multiple disputes. 
Please consider this my formal dispute and request for investigation, I look forward to a prompt resolution of this matter. You may contact me at XXXX or XXXX for any additional information or clarification.

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 2024-12-20 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: CA

Complaint narrative:
Transunion : These debts is considered a Charge Off. However, this actually considered income because I should have received a 1099c in order to account for this as in come. This is not a Charge Off I'm requesting these to be removed because it's not debt. This is considered income and income should not be reported on your credit report. XXXX XXXX # XXXX, Capital XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX 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 non-monetary relief
Consumer complaint received 2024-12-20 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: IL

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX  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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I, XXXX XXXX has only XXXX name which is XXXX XXXX, I am not known for any other names, I also only have XXXX address that is attached to my name and that is XXXX XXXX XXXX, XXXX LA XXXX. I also only have XXXX job that should be on my credit report and that is XXXX XXXX, I am unaware of any other jobs that has been reported on my report, as well as any other addresses so I would like for them to be removed from my 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 2024-12-20 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: TX

Complaint narrative:
they keep update incorrect information on my credit report and using account with listed under XXXX XXXX. 
i have change all my information to XXXX XXXX and there are incorrect inquiries. there are XXXX incorrect inquiries.

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 2024-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> I checked my consumer report and noticed I had a JPMCB AUTO FINANCE account on my Consumer Report that I did not Apply for or Authorize. I reached out to JPMC AUTO FINANCE via phone and I also reached out to them via mail as well also. No one can to seem to help me nor understand what's going on in this particular matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: NC

Complaint narrative:
XXXX XXXX of the Issue : 1. There is evidence of fraudulent activity associated with my account ( s ), which I believe violates consumer protection laws under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

2. False or inaccurate information reported by your institution has negatively impacted my credit profile, restricting my ability to obtain credit, employment, and other essential opportunities.

Under the FCRA, you are obligated to : Ensure the accuracy and completeness of the information you report. 
Investigate disputes of inaccurate information promptly and thoroughly. 
Correct or remove any verified inaccuracies. 

Additionally, if fraudulent activity has occurred, your institution is required to take corrective action to safeguard my account and provide detailed documentation of the investigation findings.

Requested Action : I request the following : 1. An immediate investigation into the alleged fraudulent activity.

2. A correction or removal of any inaccurate information reported to credit bureaus.

3. Written confirmation of the steps taken to resolve these issues.

Failure to address these concerns may result in legal action, including the filing of complaints with regulatory authorities such as the Consumer Financial Protection Bureau ( CFPB ) and state attorney general offices. 

I trust that your institution values its compliance with federal and state laws and will take this matter seriously. Please respond within 30 days of receipt of this notice.

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 2024-12-20 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: 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation