vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: TX

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith.

( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: MD

Complaint narrative:
" The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the 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 non-monetary relief
Consumer complaint received 2024-12-26 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: MD

Complaint narrative:
" The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the 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 2024-12-26 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:
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
The vehicle was totaled on XX/XX/year>, not due to my fault. The insurance company and GAP insurance have provided payment to XXXX, resulting in a remaining balance of {$7900.00}. I signed over the title to XXXX before the payment was issued. I am inquiring about why I am still responsible for the loan on a product I no longer own, given that I transferred the title before the lienholder received payment.

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 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to make a purchase using my Synchrony Bank Venmo Visa credit card but was unable to complete the transaction. I contacted Synchrony Banks customer service and was informed that my account had been closed on XX/XX/year>, due to " potential risky behavior. '' The representative stated that a detailed explanation for the account closure would be mailed to me within 7-10 business days. Prior to this, I had not received any warnings or digital correspondence regarding potential issues with my account.

I was also informed that, due to the account closure, I would be ineligible to receive the cashback I had earned during the current statement period. As of XX/XX/year>, the cashback amount was at least {$920.00}. After including pending transactions from XX/XX/XXXX and XX/XX/XXXX, and the usual adjustments that are made at the end of the statement, the total cashback I had earned would have been {$1600.00}. Despite my request to have the earned cashback transferred to my Venmo account, Synchrony Bank stated that this would not be possible.

I believe the denial of earned cashback and the lack of prior communication regarding the account closure are unfair and warrant further investigation. I am seeking assistance in resolving this issue and obtaining the cashback I rightfully earned.

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 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Back in 2021 I deposited money orders into my chase bank account. The bank refused to give me my money after everything was cleared. The bank closed my account and I never received the money in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: NV

Complaint narrative:
My social security checks were automatically deposited to a debit/savings account controlled by Comerica Bank and Direct Express card services. I have repeatedly tried to activate my debit card and get the account balance, but I have only received grief from this company.

First, I was told that my debit card number was incorrect and that my account was transferred to a different account number, which I was never notified of.

They sent me a new debit card and after being placed on hold for 2 hours to activate it they told me that my phone number was incorrect, and they will not activate my card.

My social security number, date of birth, home address, wife 's name and driver 's license were all confirmed as correct during this call.

Next, they told me that the only way they would look into this matter was for me to take a color picture of both sides of my driver 's license and email it to XXXX for them for review. NOT GOING TO HAPPEN, that's how identity theft happens. 
I started reading the reviews of this company and frankly they should be put out of business by the federal government as soon as possible. They're taking advantage of citizens social security by restricting how and when they can access it. Thank you for your time. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: GA

Complaint narrative:
I am filing a complaint because several Mortgage companies that did hard pulls on my account were done. After all, they could get away with it. 1. I am a XXXX XXXX, XXXX. I did not purchase with these companies, XXXX. I only wanted a preapproval letter and 4. I did not give them my authorization to do a hard pull. 5. On websites, I visited, at least the ones I visited said it wouldn't affect my credit score. 6. I haven't made a home purchase yet. I wrote a letter to Experian telling them about the situation. I was told the only reason they would do a hard pull is when I am ready to make a purchase and I send in my income and bank statements so they will know then and only then will they do a hard pull. I am also complaining about inquiries that should drop off and they don't drop them either. I have not gotten a response from them at all. My credit score with Experian dropped XXXX points since the first of the year. I have even closed some cards and modified a lot of things on my credit but Experian doesn't want my credit scores to be better. They have a vendetta against customers with high scores. I believe they get some incentives to keep customer scores low, apparently.

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 2024-12-26 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: TX

Complaint narrative:
I went chase bank today on XXXX XXXX XXXX XXXX XXXXXXXX was the rep who did not help. When I told him XXXX sent money to the wrong person, he in turn called a rep. He told that person that I typed in wrong number, it was my error. That is NOT what I told him so totally made up the story to the other rep. I dont appreciate him telling an untruth. If its a XXXX problem, he couldve said that in the first place instead of saying something thats not true. I dont need or want customer service like this. Im further investigating everything with XXXX including the pending lawsuit between XXXX and chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: TX

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: MD

Complaint narrative:
I am 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 three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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:
" The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: OR

Complaint narrative:
XXXX and XXXX 's have informed me that my social security number has been used to obtain their store credit cards and that they have been used multiple times. They would not provide me any more information such as the name of the individual using my information. I looked at a screen while they were looking it up and a person with the name " XXXX '' shows up under my social security number. I called XXXX 's and could not get a response and when I spoke to a manager they said they couldn't help me and that I had to work through the credit bureau. When I asked the management at XXXX to cancel that card under my social security number they would not help either and said I have to work through the credit bureaus. Meanwhile my information is being used and I am disgusted at the lack of easy process to deal with this at these companies.

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 2024-12-26 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: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
This account was purchased by Lvnv funding. It was originally an auto account that was charged off by XXXX XXXX. Lvnv purchased this account XX/XX/year> for XXXX. This is XXXX more than what it was charged off for by XXXX XXXX. This company keeps calling and send emails from another company by the name of resurgent capital services asking for payment. So two companies are requesting the same payment from a charge off account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: DISCOVER BANK
State: NC

Complaint narrative:
Based on my credit report Discover, XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurately under the 15 U.S. Code 1681i all original creditors must report accurately, I have requested numerous of times proof t no proof has been submitted, also my information was used incorrectly. Also, some of the dates are not consistent on my credit report. Need a copy of original purchase agreement if not requesting that you delete in 15 days or less. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discover XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I got married and received 30+ checks from wedding attendees as wedding gifts. I opened a joint checking account with wife and deposited the checks with chase on XX/XX/year>. 24 hours later the checks deposited into the account and were able to be spent. The money was not spent, but transferred between the checking and savings accounts opened at chase, and not spent. Chase then closed my account and wont give me the funds till every period that write the checks answers a random phone call from chase and answers investigative questions to verify they wrote the check. Every person! I got on the phone with them again to explain to them that doing that is unrealistic because getting 30+ people to answer a random call and answer questions is weird. A high up representative that I got to after explaining my situation to agreed that its unrealistic and said a manager will call me back and within 48 hours. No manager called after 48 hours so I called them and explained my situation again for 3 hours and 15 different representatives that all tell me to wait for a call within 48 hours and then I get no call. Ive done this for weeks now and have received no calls from a manger. Ive called chase for a total of 16 hours on the phone and they keep repeating the same thing and not giving me a call back. I stay on the phone for hours and they tell me they cant do anything. Chase is unethically holding my money with no explanation and I fear they are never going to give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: I.C. System, Inc.
State: MD

Complaint narrative:
Date of loan : XX/XX/year> Loan amount {$4000.00} Action taken : I requested to cancel the course and to be refunded {$300.00} for my deposit Bill/Account is with a third party company : IC System : XXXX XXXX XXXX Other : XXXX XXXX XXXX IC System Correspondence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Point of contact XXXX that I have been emailing or calling : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : My name is XXXX XXXX. I am a XXXX veteran that was looking for a online XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On the XXXX of XX/XX/year>, I sign a contract with a company name XXXX. The representative for the company was a XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  During my conversation with XXXX XXXX, we talked about the following job field : XXXX XXXX XXXX XXXX XXXX I told him that I am look for a XXXX XXXX XXXX He said that they had one and email some information about the course. I signed up for the course and made a down payment of {$300.00}. 

On the XXXX of XX/XX/year>, about 2 days later. I received an email from a XXXX XXXX XXXX, Student Success Advisor with the following subject : Common New Student Questions. In the middle of the email was this bulletin : Instructors : There are no teachers, all instruction comes from the XXXX. But dont worry, it's not all on you Ill be here every step of the way. I immediately replied back to the email and told XXXX XXXX 
XXXX, that XXXX XXXX told me that this was a XXXX XXXX XXXX and for him to immediately cancel my agreement. I did not received a reply back to my email, so I called several times for about 2 days trying to reach either XXXX XXXX or XXXX XXXX. I finally was able to speak with XXXX XXXX. He apologized to me several times for being given the wrong information about the course. He said that someone will be contacting me about the cancellation and my refund.

About 2 weeks later, I received an email from XXXX XXXX XXXX with instruction to fill out a form for the cancellation. I will out the form per her instruction. I thought I was done with this company and would received a refund, but a few months later I had an entry of my credit report for a bill of {$600.00}. I tried to reach out to this company several times, but was not getting any help or support. After being so frustrated with this company, my wife told me to just forget it because during that timeframe it was effecting my health. I have uploaded emails, payment receipt, and cancellation agreement. You help and cooperation is help me getting this matter resolve with be much appreciated. This account has been transfer to a third party company : I C System. 

Thank you, 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 2024-12-26 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: OR

Complaint narrative:
When I reviewed my credit report, I found several inquiries from your company that I never agreed to, and its honestly outrageous. These inquiries are dragging my score down, limiting my financial options, and adding unnecessary stress to my daily life.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am seeking your help to investigate accounts from companies incorrectly reporting late payments. I lost my job and requested that these payments be forgiven, which they agreed to, but they are still reported as late. Ive reached out to them with no response, leaving this as my final option.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am seeking your help to investigate accounts from companies incorrectly reporting late payments. I lost my job and requested that these payments be forgiven, which they agreed to, but they are still reported as late. Ive reached out to them with no response, leaving this as my final option.

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