vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
after few dispute letters and request a copy of the singed contract and 1099c for the charge off that they never provide me with.a fraud alert in been placed in my credit report since 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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
after few dispute letters and request a copy of the singed contract and XXXX for the charge off that they never provide me with.a fraud alert in been placed in my credit report since 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 2024-08-15 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: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX request under FCRA XXXX ( A ) ( XXXX ) ( XXXX ). 
Your office has never sent me the information I am requesting and you are in violation of FCRA XXXX, therefore this is a new request for the PROOF that supports your reporting to Experian a Date for account to be XXXX XX/XX/XXXX when I have documentation from XXXX XXXX  that you purchased the alledged account that states Date of Last Payment as XXXX XXXX which would make Date of First Delinquency be XX/XX/XXXX which is the date that triggers the 7 Year reporting period. 

XXXX XXXX knows or should have known this account has been ILLEGALLY REAGED! 
According to todays Experian Credit Report dated XX/XX/XXXX it appears your agency has illegally verified my re-aged account dispute again because as of today XX/XX/XXXX account is no longer under dispute and remains on my Experian Credit report as XXXX XXXX XXXX XXXXXXXX. 
Allow me to inform you that I keep very careful records each time your agency verifies my dispute and will seek monetary relief for each time your office verifys knowing or should have known account date to be removed is reporting inaccurately and knowing full well that you did not provide PROOF, but continue to report inaccurate information and then verify on a legally binding document ( ACDV ) in total disregard of FCRA and FDCPA laws. 

How can XXXX XXXX  report the date to be removed as XX/XX/XXXX when the Date of Last Payment was reporting XX/XX/XXXX by XXXX XXXX  and I have document with their letterhead stating Date of Last Payment as XX/XX/XXXX. 
This is a new request for information under FCRA XXXX ( A ) ( XXXX ) ( XXXX ) for documentation for to send me regarding the purchase agreement with XXXX XXXX. Additionally, this is also a newrequest for complete statements from the beginning of alledged purchase up to the end of alledged purchases showing ALL payment amounts etc. regarding this alledged account. 
XXXX XXXX is reporting a debt that has been illegally re-aged and I vehemently request monetary relief via CFPB or XXXX. 
Portfolio Recovery can save time and money by forwarding me a postal Money Order for the Amount of {$2000.00} due to Re-Aging violation under FDCPA and 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 2024-08-15 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: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 non-monetary relief
Consumer complaint received 2024-08-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
KIA FINANCIAL IS IN VIOLATION OF MY CONSUMER RIGHTS THEY ARE REPORTING 3 LATE PAYMENTS IN MY CREDIT REPORT WICH ARE INCORRECT BECAUSE THE NEVER SENT ME A LETTER 21 DAYS BEFORE THE REPRTED THE LATE PAYMENT TO MY CREDIT REPORT THEY NEVER SEND ME THAT LETTER AND THEY ARE REFUSING TO CORRECT THE PAYMENTS AS CURRENT.

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 2024-08-15 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:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: EQUIFAX, INC.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and list of Inquiries. 

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been trying to access my online Equifax account and also request my annual credit report from Equifax for the last 3 years and I consistently receive an error message. Today I tried to freeze my credit report but I am continuously being denied access due to a system error/glitch. Called the XXXX customer service line numerous times only to wait on hold forever and/or get disconnected by being transferred here and there, get sent on a wild goose chase only to still not be able to access my account. Has there been a system wide Equifax online glitch? This is unacceptable especially with the increased prevalence of fraud and identity theft. I just want access to my information to freeze my account. Why is this a XXXX XXXX XXXX XXXX  No issue with the other XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
I'm on the XXXX plan w/ Mohela and XXXX payments away from XXXX XXXX I was told that my loans were in administrative forbearance, however my account is now showing that I am past due on a payment. The payment amount does not even match my monthly payment amount I was submitting prior to the forbearance. When I called, they said I was past due on XXXX of my loans but the other XXXX were paid in advance which makes no sense as they are all XXXX part of the repayment plan/PSLF. They also said I was past due because the forbearance temporarily lifted the day before my payment was due and that autopays do not work in those situations to which I received no communication or notice on. Regardless of the autopay situation, the payment was still for a random amount. The rep did confirm I'm on XXXX however I was told I was automatically enrolled in XXXX which should also still be in forbearance. I can not get clear information on what is happening with my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a late fee charge in XX/XX/year> I informed the company about the changes the were made by the financial bureau that requires them to decrease the amount that can be charged for a late payment from XXXX to XXXX XXXX synchrony informed that those changes are not law and that they will not be decreasing the late fee charges, I informed the companys if late fee charges are decreased Ill be more than happy to pay the depth, the company refused, since then I have acquired late fees for XXXX, XXXX, and XXXX due to the fact they refuse to decrease the late charges in XXXX XXXX XXXX  Again I am willing to pay of original balance

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 2024-08-15 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: OH

Complaint narrative:
Subject : Request for Removal of Unauthorized Hard Inquiry from Credit Report Dear Sir/Madam , I am writing to request the removal of a hard inquiry that was placed on my credit report on XX/XX/year>, by XXXXXXXX XXXX  . This inquiry has negatively impacted my credit score, and I am concerned about its presence on my report.

To the best of my knowledge, I did not authorize or consent to this hard inquiry, and I believe it may have been added in error. As a diligent consumer who regularly monitors their credit, I was alarmed to see this inquiry and am requesting its immediate removal from my credit report. 

I would appreciate your prompt attention to this matter and request that you investigate and remove this hard inquiry as soon as possible. Your assistance in resolving this issue is greatly appreciated.

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 2024-08-15 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: 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 2024-08-15 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: 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 2024-08-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: NV

Complaint narrative:
as of XXXX of 2024 my card was re order a lady named XXXX XXXX has been stealing all my money and i haven't received any benefits since XXXX of 2024 because of my usability to move around this lady has taken over my identity i went to ssa building and a new payee and I'm being treated as the crime as well as XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
MATTRESS FIRM / SYNCHRONY HOME I made a purchase of a mattress from Mattress Firm on XX/XX/year>. Shortly after receiving my card, I found XXXX unauthorized charges on my account, which were made even before I had received the card. When I checked my balance online, I noticed that the website only displayed the charged amounts without details of the purchases. The total charge for the mattress was {$3700.00}, which is approximately {$700.00} more than what I had agreed upon initially. Additionally, there was another charge for approximately {$200.00} and a third charge for around {$1700.00}. Unfortunately, I can only provide approximate amounts as I can no longer access my account. To access my account, I need the card number, but my card was cancelled due to fraud. When I requested the representative 's name, I was told that I would receive a full report of our conversation via email, but unfortunately, I never received anything. My main goal is to promptly settle the payment for the mattress and close the account as soon as possible. This purchase has been a shopping nightmare from the very beginning. I am eager to resolve this issue and move forward.

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 2024-08-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AR

Complaint narrative:
In XXXX of XXXX  I became aware of a debt collection negatively affecting my credit. This was from " Credence Resource XXXX '' for an amount of {$1900.00}. It stated the original creditor was XXXX XXXX This account was opened on XX/XX/year>. I did not open this account, nor have I ever had any business with XXXX XXXX This was only showing up on my XXXX credit report. I did not see it in my XXXX or XXXX reports. I also found on my XXXX report an address in Michigan related to thaXXXX XXXX XXXX XXXX  account. That address was XXXX XXXX XXXX XXXX XXXX XXXX. 

I called Credence Resource Management on Friday, XX/XX/XXXX. I alerted them the account was not mine. All they did was say they would send me some fraud resources, which they did not do. 

I disputed the Credence Resource XXXX account and the address with XXXX. They removed the address from my report, but " verified '' the Credence Resource XXXX account as accurate. 

I called XXXX and resubmitted the dispute as a fraud dispute. That is where things currently stand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2024 the attached was submitted. I supplied information that the ACH payroll did not go into the authorized account, Chase Bank reinstated the denied claim # XXXX and refused to give provisional credit according to Regulation E, also known as Reg E, which is part of the Electronic Fund Transfer Act ( EFTA ). 

My original emessage to Chase Bank was the following : " Hello I am suppose to be getting a message or call in regards to missing ACH payroll to the account ending in XXXX. I have attached a ledger and notice from XXXX XXXX the recipient that shows the funds did not arrive in the assigned account and that the account was closed. I also attached pictures showing that the ACH payment was still being processed after closing the XXXX XXXX account on XX/XX/2024. I was informed that any ACH directed to a closed account would automatically be returned by Chase representative, However, the XXXX ACH payment did not and I asked for a provisional credit while this is resolved as it is creating a hardship. '' I also attached the documents being attached to this complaint It was later found out that the funds went into another unauthorized account, I immediately supplied Chase Bank with this information. As the account was unauthorized. I asked Chase Bank to send over what authorization it had to send the funds to that account. Chase has yet to date sent that information. 

XXXX Operating Rules : govern ACH transactions and require that payments be credited to the account specified in the ACH entry. Redirecting funds without proper authorization would violate these rules.

Chase Bank did not have authorization to send the ACH into a separate bank account and since the account that was authorized to accept this ACH was closed the funds should have been properly returned. The claim should not have been denied and a provisional credit should have been released within the 10days which would have been the XXXX regards of the reinstatement and the extra 3-5 business days to reinvestigate the claim.

Company response to consumer: Closed with explanation