vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-18 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: IN

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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 following accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX account number XXXXXXXX XXXX  account number XXXX has violated my rights. 


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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Acct. Name Acct. XXXX  15 USC 1681 section 602 A, states I have a right to privacy 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Acct. Name Acct. XXXX 15 USC 1681 section 602 A, states I have a right to privacy 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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.

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 2024-07-18 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: FL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-07-18 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 was wondering why my credit applications are getting denied, to my surprise my credit report has a lot of errors, false and erroneous information. This has caused unimaginable XXXX  and really took a toll on my mental health due to this inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: AL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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 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 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 2024-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Around the XXXX of XXXX, XXXX, approximately {$34000.00} was fraudulently wired from my chase checking account. On XX/XX/XXXX I received a call from ( XXXX ) XXXX that purported to be chase fraud, asking for my cooperation to reverse these wire transfers. I followed their instructions & by so doing, my bank is taking the position that I verified wire transfers to be sent to 10 people with XXXX XXXX accounts. 

My bank has all the information available, including account numbers from XXXX XXXX used to receive these funds & I believe tracking numbers for the devices used to commit these fraudulent transfers. My bank did not ask for 2 factor authentication or other steps to prevent this serious wire fraud. 

Please help me find & prosecute these scammers/hackers, as well as try to recover my money from XXXX XXXX XXXX Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have a Paypal account which I have been using for a few years. Within Paypal I have a credit account with a balance and a line of credit. Paypal restricted my account on permanent basis for reasons I do not understand. At the same time my credit has also been restricted. I called Paypal Credit and was informed that my credit was in good standing. The issue arose when my payment was due, Paypal did not withdraw the funds from my Checking to make the payment because they closed the account, this then led to me getting an email stating that my payment was late. I have called numerous times to find out 1 ) why my account was restricted 2 ) Why my credit was not available. PayPal Credit said it was available! It is my understanding, after 46 years in banking and 4+ years with the FDIC as a Resolutions Specialist, Paypal has to send me a notice according to the Fair Credit Act, of the restrictions. Since the account is good standing it would create application to my Credit Report. I just think that most likely I will never win against a mighty Corporation, but I want to lodge my complaint. I want the payment on Autopay and If I call it in they will charge a fee.

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 2024-07-18 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: FL

Complaint narrative:
Subject : FTC Report : Dispute of Fraudulent Account Dear CFPB I hope this message finds you well. I am writing to report a fraudulent account that recently appeared on my Experian credit report. The account in question, identified by XXXX  acc # XXXX, purportedly opened in XX/XX/year>. However, I was completely unaware of its existence until it surfaced as delinquent earlier this year. This account appeared unexpectedly and without any prior notice on my credit history. I strongly believe that this account is a result of identity theft, and I am a victim of fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ) Section 609, consumers have the right to dispute inaccurate or fraudulent information on their credit reports. According to FCRA Section 611, upon investigation, if it is determined that information is inaccurate or can not be verified, the credit reporting agency must promptly remove or correct it. 

I have already filed a report with the FTC regarding this matter and have also submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ). Enclosed with this letter are copies of my identification, Social Security card, FTC report, and CFPB complaint for your reference and to assist in the verification process. 

I kindly request your immediate assistance in thoroughly investigating this matter in accordance with FCRA guidelines. Please advise on the necessary steps to promptly remove this fraudulent account from my credit report and prevent any further impact on my credit standing. You can reach me at ph # XXXX or XXXX for any additional information needed

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 2024-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
on XX/XX/year> i purchased an item from company XXXX online using Goldman Sachs Apple credit card, amount {$59.00}. the merchant advertised the items can be returned within 2 weeks but did not show the return address online. looked legit but when i tried to return the shoes, the gave me an address in XXXX to send it back. cost of shipping would be more than the cost of those shoes. i contacted Goldman customer service, provided them with required info and snapshots of the merchant 's website return policy. At first they gave me the money back for item and dispute was filed. Today i have noticed that charge was put back on my account last month- no email or message about dispute conclusion. quietly put the charge back! i called and asked why they are siding with the shady merchant, they did not give me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Best Ride Inc
State: AR

Complaint narrative:
Balance {$5100.00} Highest Balance $ XXXX  Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 4 yrs, 8 mos ) Term 44 months Payment History Last payment XXXX XXXX, XXXX Current Payment Status In Repossession Worst Payment Status No Info Account Details Account status Derogatory Type Auto Loan Responsibility Joint Remarks Repossession Times 30/60/90 days late XXXX Closed No Info If Im in repossession, why is there no days reported as late?

Its missing a lot of information for it to be in repossession.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
1. On XX/XX/year> I received by mail, dated XX/XX/year>, notice that my CD with Truist Bank was renewing. Specifically, the letter said : " ( Bold ) Your Certiificate of Deposit is Renewing. Your CD listed below will mature soon. NO ACTION IS REQUIRED TO RENEW YOUR CD ( emphasis added ). When your CD matures on XX/XX/year> it will AUTOMATICALLY ( emphasis added ) renew for another term of 5 months at the INTEREST RATE IN EFFECT ON THE MATURITY DATE. ( emphasis added ). 

2. On XX/XX/year>, I received notice by mail from Truist that " Your CD was automatically renewed on XX/XX/year> ''. The Truist letter was dated XX/XX/year>. However, instead of renewing under the current CD rate which was approximately 4.44 %, it was renewed under the rate of 0.01 %, ie, virtually XXXX. 

3. Truist would not resolve this over the phone by Customer Service and told to go to a branch office. I went to the branch office on XX/XX/year>. The Branch Manager claimed the " Current Rate '' was 0.01 %. This was absurd and patently false. I had to insist that in order to avoid continuing to lose daily interest, the principle of {$150000.00} be immediately transferred to the same 5-month CD terms and the manager said the interest rate was in fact, 4.440 % or 4.50 % APR. At the office I had the CD renewed at 4.44 % for 5 months. 

4. The interest lost for the period XX/XX/year> through XX/XX/year> was approximately {$310.00} since only the 0.01 % rate was applied during this period.

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 2024-07-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am disputing the collection notice for unpaid lease charges at The XXXX XXXX. On XX/XX/year>, XXXX XXXX ( XXXX  XXXX ) confirmed in writing that these charges are for my former roommate, AFTER I vacated. I've provided proof of release, and she assured this will be rectified. ProCollect sent me a letter claiming they've taken steps to address the issue by canceling the account as a collection item and requesting its removal from the credit bureaus, but since then my credit score dropped XXXX points due to this. Nothing has been resolved. They don't answer my emails. This was NEVER my debt! They never even contacted me about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: 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 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 2024-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
The company began servicing the credit card in early XXXX or late XXXX. I had such a problem with the switch over that I called and closed the account in XXXX of XXXX and I have a letter dated XX/XX/XXXX from the company confirming same. I also have a letter from them dated XX/XX/XXXX confirming that there was no balance on the card. Until very recently I have had no contact from the company. In XXXX of this year the company began dunning me ( phone calls ) for an unpaid balance. I also became aware of problems with my credit reports. I called the company and learned that charges had been posted to the account and I replied that the account had been closed for over a year and that any charges were fraudulent. The rep told me the account had been frozen. I reiterated that the account had been closed, that there was no balance, and that I had letters to that effect. Following that call I received a letter dated XX/XX/XXXX from the company stating that the account has been closed and there is a balance of {$71.00}. I called them again, explained my complaint to two reps, was transferred twice and then was disconnected. I then wrote the company a letter spelling all this out and enclosing copies of the XX/XX/XXXX letters and demanding that the dunning cease and my credit reports be corrected. Since then I have received emails from them still trying to collect the {$71.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Levy & Associates, LLC
State: IL

Complaint narrative:
XXXX XXXX  sued me to collect on debts I owed it for three accounts : two credit cards and a personal loan. They made a settlement offer, which I accepted. In exact accordance with their settlement terms, I paid the settlement amount in full on or about XX/XX/year>. Since then, I have repeatedly requested acknowledgement of this payment of full. They have ignored my repeated requests. 

In the meantime, I am expected to appear in court in XXXX XXXX XXXX on XX/XX/XXXX. Without proof that I have paid off this settlement, I will be greatly harmed if the Court enters a judgment against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Dolliemac, LLC dba Elite Document Management Solutions
State: TX

Complaint narrative:
Tried contacting them regarding my debt accounts becuase 1. Didn't resolved any of my pending accounts even after paying them monthly 2. They suddenly closed their business without a warning or notification, as I gave tried calling & they state on the machine that they are officially closed. 

What the hell?! I have been with them since XXXX trying to resolved & consolidate my debts. None of my loans were getting paid as I have called the companies this month XX/XX/XXXX directly & I still have outstanding balances with all the debts. So you're telling me I have been paying Elite every month & they are keeping it all??? This is a total scam!!!

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 2024-07-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: AZ

Complaint narrative:
XXXX IQ DATA INTERNATIONAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX They have over 200 complaints filed against them by the XXXX. 

They falsely and incorrectly claim that I owe {$6100.00} and are unfairly damaging my credit. 

Make them delete this false claim against me, and give them a punitive fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
After carefully reviewing my credit report, I noticed three hard inquiries I did not authorize. Under the FCRA Section 604, a credit inquiry can only be made with the consumer 's explicit consent. I did not provide such consent for the following inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These unauthorized inquiries are negatively impacting my credit score and are a violation of my consumer rights. I would like to ask that these inquiries be removed from my credit report immediately. 

Please consider this letter as a formal notice that you have 10 days from receipt of this letter to remove these unauthorized inquiries. Failure to comply with this request will leave me with no choice but to pursue all available legal remedies to resolve this matter, including filing a formal complaint with the FTC and possibly pursuing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
After carefully reviewing my credit report, I noticed three hard inquiries I did not authorize. Under the FCRA Section 604, a credit inquiry can only be made with the consumer 's explicit consent. I did not provide such consent for the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These unauthorized inquiries are negatively impacting my credit score and are a violation of my consumer rights. I would like to ask that these inquiries be removed from my credit report immediately. 

Please consider this letter as a formal notice that you have 10 days from receipt of this letter to remove these unauthorized inquiries. Failure to comply with this request will leave me with no choice but to pursue all available legal remedies to resolve this matter, including filing a formal complaint with the FTC and possibly pursuing legal action.

Company response to consumer: Closed with explanation