vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 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: MA

Complaint narrative:
This account does not belong to me. A similar account was removed recently from my credit report which seems to reappear again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I have XXXX accounts with synchrony bank. 
XXXX for a sewing machine purchase and XXXX for Sam 's Club. 
in the last month I have tried daily to sign into the website to make a payment. The site continues to say it is having problems when I sign in. I have tried calling the number on both cards and only get a telco intercept with a long and complicated phone tree. Twice in the past week I have attempted to contact through the website by filling out surveys, surveys because there is no e-mail address available. 
In the past I have made a payment through my bank and bill pay. It shows up as having received the payment transfer but does not show up as a payment made and there is a service fee charged for a late payment. 
Payments show as paid only if paid using their website. My web browser is up to date on its operating system. 
In searching the the internet for possible solutions it is noted that there are multiple people who are having the same problem after a certain number of months, and paying additional fees.

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 2023-11-15 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: 21ST MORTGAGE CORP.
State: OK

Complaint narrative:
In accordance with the Fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6o4 a section 2 it also states a consumer reporting agency can not furnish an account without without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
First of all, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Despite my persistent efforts to resolve this matter, both with the creditors directly and through your bureau, I have encountered nothing but obstacles. The lack of information provided to verify these alleged debts is not only unacceptable but a blatant violation of my rights. In accordance with the Fair Credit Reporting Act ( FCRA ), I demand an urgent and thorough investigation into these discrepancies. Due to the absence of credible evidence to validate these debts, I insist on the immediate removal of the aforementioned accounts from my credit report. The dubious accounts in question are as follows : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX. Please delete these fraudulent accounts from my credit ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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 explanation
Consumer complaint received 2023-11-15 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: PA

Complaint narrative:
SEE ATTACHED Documents

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 2023-11-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
A letter dated XX/XX/23 stated that National Credit Systems was attempting to collect a balance I allegedly owed ( I received no prior notice from the creditor ). I sent a letter back, as well as submitted a request online for itemized charges, which I received on XX/XX/23 via email. I replied to the email with supporting documents showing the balance owed was incorrect, and that I owed {$1.00}, not {$130.00}. After no initial response, I submitted the documents via mail on XX/XX/23, to which I have not yet received a response. 8 days later, the collections account is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I received a. Email from Avant Master Card that a credit card under my name was a privated and several transactions were made using the card. I've never received an Avant Master Card nor have I activated one. I reached to Avant today about 3 different times and they were not being helpful with the info the that I was requesting. Then the line was cut off. I tried to call back several times but I kept getting an answering machine that stated sorry for the inconvenience, we're having a technical difficulty at this time, please try your call later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Affirm has opened XXXX loans virtually in my name on XX/XX/XXXX and XX/XX/XXXX - both which I learned about only after defaulting 30 days and effecting my credit. Affirm never notified me of a new loan or ran my credit for authorization.I also didn't realize this bc my payments are made automatically through my bank. I have filed a dispute with Affirm ( case # XXXX ) and with XXXX for this to be removed I opened my first loan with Affirm 5 years ago and they never help with reimbursements or help if there's any merchant dispute. The concerning part is that I have talked to Affirm to make sure my loans were in good standing right before I was notified about the 30 day late. This company does not insure their clients. I had a merchant send me a defective product- I disputed it for years and they never reimbursed me. I was never able to use the device- Affirm took {$800.00} from me for the product and never protected me. I will be paying off any debt I have with them and never use them again. They're quick to take the money but not protect and reimburse or do the right thing when its time to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NC

Complaint narrative:
Since XX/XX/XXXX I been going back and fourth with XXXX about them locking my account they it was I had over XXXX XXXX deposited in my accountwhich i continue to write them and asked how was it possible because numerous amount people get that kinda money on there chime XX/XX/XXXX they ask for document proving that I was the account holder and other documents showing the money was mine and still kept my account locked After aski my who do I have my lawyer contact they told me the issue is out of there hand

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Supervisor XXXX from XXXX XXXX contacted me after I requested a Sup. To call me.She informed me that a split credit profile was created in my name and for me to send supporting documents verifying who I am.Because of what Midland Credit Management Inc. had did entering the wrong social security number and creating split credit files.Also impacting my credit score severely. I emailed the documents to XXXX XXXX to the email she gave me but after months have gone by I called again and spoke to Supervisor XXXX in the online access department and she informed me the split profiles were still there.File # XXXXThis has been going on to long without me even knowing this.I want Midland Credit Management Inc to be deleted from all three major credit bureaus on my Credit Profile and to pay for damages that cause harm in different areas in my life affecting and causing emotional distress and suffering with a bad credit score!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: TX

Complaint narrative:
I hope this letter finds you well. I am writing to express my frustration and dissatisfaction with the numerous attempts I have made to correct the issue of late open accounts associated with my Credit Bureaus. Despite my persistent efforts, it appears that the matter has not been adequately addressed, and the late open accounts continue to pose a significant inconvenience. 

To provide you with a brief overview of the situation, I have encountered repeated challenges in rectifying the late open accounts linked to my [ account/service ] with your company. I have diligently followed the prescribed procedures, submitted the necessary documentation, and communicated with your customer service representatives on multiple occasions. However, the issue persists, and the lack of resolution is causing undue stress and inconvenience. 

I understand that errors may occur in any system, and I appreciate your efforts to address and rectify such issues. However, the repeated failures to correct this problem have not only impacted my financial standing but have also eroded my confidence in the effectiveness of your company 's customer service and account management processes. 

I kindly request that you conduct a thorough investigation into the matter to identify the root cause of the persistent late open accounts associated with my [ account/service ]. Additionally, I urge you to expedite the resolution of this issue to prevent any further adverse effects on my credit score and overall financial well-being. 

I believe in fair and transparent business practices, and I trust that your company shares these values. I request that you keep me informed of the steps being taken to address this matter and provide a timeline for its resolution. I am prepared to provide any additional information or documentation required to expedite this process. I am asking for your assistance to correct the late open accounts : XXXX XXXX XXXX XXXX XXXX Balance {$44000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$12000.00} XXXX XXXXXXXX XXXX Balance : {$390.00} XXXX XXXXXXXX XXXX XXXX : {$39.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$44000.00} XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$10000.00} XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$44000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00}.

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 2023-11-15 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: TX

Complaint narrative:
I hope this letter finds you well. I am writing to express my frustration and dissatisfaction with the numerous attempts I have made to correct the issue of late open accounts associated with my Credit Bureaus. Despite my persistent efforts, it appears that the matter has not been adequately addressed, and the late open accounts continue to pose a significant inconvenience. 

To provide you with a brief overview of the situation, I have encountered repeated challenges in rectifying the late open accounts linked to my [ account/service ] with your company. I have diligently followed the prescribed procedures, submitted the necessary documentation, and communicated with your customer service representatives on multiple occasions. However, the issue persists, and the lack of resolution is causing undue stress and inconvenience. 

I understand that errors may occur in any system, and I appreciate your efforts to address and rectify such issues. However, the repeated failures to correct this problem have not only impacted my financial standing but have also eroded my confidence in the effectiveness of your company 's customer service and account management processes. 

I kindly request that you conduct a thorough investigation into the matter to identify the root cause of the persistent late open accounts associated with my [ account/service ]. Additionally, I urge you to expedite the resolution of this issue to prevent any further adverse effects on my credit score and overall financial well-being. 

I believe in fair and transparent business practices, and I trust that your company shares these values. I request that you keep me informed of the steps being taken to address this matter and provide a timeline for its resolution. I am prepared to provide any additional information or documentation required to expedite this process. I am asking for your assistance to correct the late open accounts : XXXX XXXX XXXX XXXX XXXX Balance {$44000.00} XXXX XXXX  XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX  XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX Balance : {$390.00} XXXX  XXXX XXXX XXXX : {$39.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$44000.00} XXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$10000.00} XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$44000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. I do not consent to an electronic communications. I request all responses be in writing throughtheusps I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.

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 2023-11-15 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: 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 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 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-11-15 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: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-11-15 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Filed FTC complaint and notified this company that I noticed an unauthorized inquiry on my credit report and requested this company to investigate and block this inquiry because I did not consent to my credit being checked by this company to which this company has failed to do. Its been more then 4 days to which is the timeframe under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Filed FTC complaint and notified this company that I noticed an unauthorized inquiry on my credit report and requested this company to investigate and block this inquiry because I did not consent to my credit being checked by this company to which this company has failed to do. Its been more then 4 days to which is the timeframe under the FCRA.

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 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
in a previous cfpb complain and I prior telephonic recorded convos i was told my credit protection ends XXXX I called XXXX and they said it ended XXXX which is not accurate. A payment is due XXXX and they are trying not to pay that last payment their obligated to pay under my credit protection. companies like these need to be thoroughly investigated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation