vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
My report shows erroneous late payments that dont match my usual behavior. Requesting a correction and update.

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 2024-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Inquiry is not authorized by me. I haven't spoken to this lender at the said date.

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 2024-11-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have been with Synchrony Bank since XXXX of XXXX. I utilize their Care Credit card. Despite having never missed a payment, or exceeding my limits, every time I get the balance paid down below 50 % utilization, aiming to get it lower, they lower my limit to my balance to reflect 100 % utilization, then increase the interest after the 100 % utilization hits my credit for XXXX points each time. They have done this twice, and I am told plainly " oh well, there is nothing we can do ''. They attach " disclosures '' in your statements area which do not exist. You can not view them. They add additional " security charges '' routinely, and have overall unfavorable and deceptive practices meant to harm consumers directly. They have done the same to my husband, going to far as to close an entire account hitting him for over XXXX points, which was below 30 % utilization with a perfect payment history as well ( Lowe 's ), they are also doing his Care Credit the same way as mine. This is a routine issue with them according to countless consumer complaints on XXXX, XXXX, FTC, XXXX, etc. Something needs to be done, as they are deliberately damaging their consumers credit in a blatant attempt to raise the interest rates, which they have also done based on my " new credit ''. I build my score up to the XXXX area, and that is when they strike, knocking it down enough to increase my interest rates again. This has to be illegal. I have all of my corresponding statements showing that I have never been past due, and reflecting the trend described above. 


I have spoken with an attorney who advised me to file complaints accordingly, and set me up with a reporter from XXXX XXXX whom is covering a story on countless violations similar in nature from Synchony Bank alone.

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 2024-11-22 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: LA

Complaint narrative:
I am writing to notify you that I am a victim of identity theft resulting from a data breach. 
Unauthorized accounts have been fraudulently created in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit file immediately : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$7700.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: LA

Complaint narrative:
I am writing to notify you that I am a victim of identity theft resulting from a data breach. 
Unauthorized accounts have been fraudulently created in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit file immediately : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$7700.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2400.00}

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 explanation
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
Capital one 09/10/2024.

CHRYSLER CAPITAL 08/31/2024.

ALLY FINANCIAL 08/31/2024.

ALLY FINANCIAL 08/31/2024.

CBC/GALEANA CHRYSLER D 08/31/2024.

BANK OF AMERICA 08/31/2024.

JPMCB AUTO 08/31/2024.

NCCINC/ NAPLES CHRYSLER 09/10/2024.

MACYS /CBNA 08/10/2024.

MIDFLORIDA CREDIT UNIO 08/31/2024.

SUNCOAST CREDIT UNION 05/26/2024.

IR /ALCOVA MORTGAGE LLC 12/27/2023.


DISCORVER BANK 10/29/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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:
It has come to my attention my personal information has been exposed in a national data breach. Other reviewing my credit reports I noticed some accounts I am not familiar with. I have asked the CRAS for validation of debt, however, the information has not been provided Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of My ID, SSN, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of the debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: NY

Complaint narrative:
XXXX on XX/XX/year> communicated with me via live chat and phone operator that they do not have or give out a much-needed fax/email for Identity theft report and other vital documents for them to review my complaint. My perception is this is an international way of blocking a consumer from implementing the " 4 day block & remove laws '' established by Congress in title 15 as well as a delaying tactic. The information on my report is fraudulent, being used to execute legal proceedings, identity theft by deception & slander of my title. This action makes XXXX complicit in the theft of identity and fraud. I filed an FTC Identity theft report on them as well as state agencies and corporations using inaccurate, fraudulent information as leverage and for-profit against my estate.Let me be clear, the reports and the personal information on me obtained by XXXX is NOT ME in no way shape or form. This information is based on a presumption of death and I am not dead. This is a alive informant. This information clearly is opposite the records I have in my XXXX XXXX XXXX as well as my baptismal certificate is an indication that I am alive. Every record obtained by XXXX and the other agencies is not me and does not represent me as the living XXXX XXXXXXXX XXXX and date of birth. I also have started to correct records through the XXXX XXXX, contact the Social Security Administration, the Department of HHS, the attorney generals for US/NY, the US/NY Department of State and the NY Comptroller Office and US treasury departments of the fraudulent conveyances being used by the courts, agencies and corporation for profit. The companies that I applied for credit cards are obtaining fraudulent and inaccurate personal information and this is causing my family injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: NY

Complaint narrative:
XXXX on XX/XX/year> communicated with me via live chat and phone operator that they do not have or give out a much-needed fax/email for Identity theft report and other vital documents for them to review my complaint. My perception is this is an international way of blocking a consumer from implementing the " 4 day block & remove laws '' established by Congress in title 15 as well as a delaying tactic. The information on my report is fraudulent, being used to execute legal proceedings, identity theft by deception & slander of my title. This action makes XXXX complicit in the theft of identity and fraud. I filed an FTC Identity theft report on them as well as state agencies and corporations using inaccurate, fraudulent information as leverage and for-profit against my estate.Let me be clear, the reports and the personal information on me obtained by XXXX is NOT ME in no way shape or form. This information is based on a presumption of death and I am not dead. This is a alive informant. This information clearly is opposite the records I have in my XXXX XXXX XXXX as well as my baptismal certificate is an indication that I am alive. Every record obtained by XXXX and the other agencies is not me and does not represent me as the XXXX XXXX XXXX XXXX and date of birth. I also have started to correct records through the XXXX XXXX, contact the Social Security Administration, the Department of HHS, the attorney generals for US/NY, the US/NY Department of State and the NY Comptroller Office and US treasury departments of the fraudulent conveyances being used by the courts, agencies and corporation for profit. The companies that I applied for credit cards are obtaining fraudulent and inaccurate personal information and this is causing my family injury.

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 2024-11-22 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: TN

Complaint narrative:
Subject : Dispute of Inaccurate Reporting XXXX ( Account Ending in XXXX ) To Whom It May Concern, I am writing to dispute inaccurate and inconsistent reporting of the XXXX  account ending in XXXX on my credit report. Although the balance is listed as {$0.00}, this account contains numerous inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). 

Disputed Information and Inconsistencies 1. Date Opened : Different dates are reported across bureaus ( XXXX : XX/XX/XXXX, Experian : XX/XX/XXXX, XXXX : XX/XX/XXXX ). 
2. High Credit Amount : Inconsistent high credit amounts ( XXXX : {$1400.00}, Experian : {$0.00}, XXXX : {$1000.00} ). 
3. Credit Limit : Conflicting credit limit values ( XXXX : {$1000.00}, Experian : {$1000.00}, XXXX XXXX {$0.00} ). 
4. Last Reported Date : Different dates of last reporting ( XXXX : XX/XX/XXXX, Experian : XX/XX/XXXX, XXXX : XX/XX/XXXX ). 
5. Date of Last Activity and Payment : Inconsistent dates for the last activity ( XXXX : XX/XX/XXXX, Experian : XX/XX/XXXX, XXXX : XX/XX/XXXX ) and last payment ( XXXX/Experian : XX/XX/XXXX, XXXX : XX/XX/XXXX ). 
6. Comments and Payment History : Comments and 2-year payment history are inconsistent across all bureaus.

Violations 1. 15 U.S.C. 1681e ( b ) : FCRA mandates maximum possible accuracy in credit reporting. These inconsistencies clearly fail to meet that standard.

2. 15 U.S.C. 1681i ( a ) : Credit reporting agencies are required to investigate disputes and correct or remove inaccurate information promptly.

Requested Resolution I request that Experian : 1. Delete the XXXX account from my credit report entirely due to its multiple inaccuracies and inconsistencies. 
2. Provide written confirmation of the resolution and any updates made to my credit report. 

Supporting Documentation 1. A copy of the XXXX credit report details highlighting the inconsistencies. 
2. Correspondence from XXXXXXXX XXXX XXXX regarding the account transfer and their refusal to issue a 1099-C.

3. A copy of my government-issued ID and proof of address for verification. 

Please investigate this dispute promptly and notify me of your findings within 30 days, as required by law. 

Sincerely, 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 explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: Trott Law, P.C.
State: MI

Complaint narrative:
I paid TROTT LAW XXXX to stop foreclosure and no foreclosure sale ever occurred I paid XXXX for XXXX months of my mortgage in XXXX under my first loan open XX/XX/XXXX starting XXXX and the confirmation numbers I have from XXXX confirms that no foreclosure sale ever happened XX/XX/XXXX. For your review XXXX and the XXXX please Investigate? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Confirm that I am owner and XXXX XXXX XXXX XXXX XXXXXXXX XXXX fake SSN XXXX and XXXX fired from XXXX XXXX as XXXX  XXXX and XXXX XXXX XXXX for using fake job titles with XXXX fake XXXX degrees on around XXXX loans and under investigation as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to bring to your attention a serious matter concerning the unprofessional behavior I have experienced with my credit card provider, CitiBank. As a long-time customer for over seven years, I am deeply disappointed by the level of service I have encountered, particularly regarding a recent dispute I had with a merchant. 

On XX/XX/2024, I made a purchase through XXXX XXXX XXXX XXXX website for a pair of sneakers. After waiting several days for my order, I discovered that it had been canceled without my knowledge, and I was never issued a refund. After trying to resolve the issue directly with Citibank for nearly two months, I learned that they had closed the case in favor of the merchant, despite my clear evidence that my order was canceled. 

CitiBank allegedly sent a notice regarding this decision through the app 's notice section ; however, I never received any such notification. Additionally, I submitted all proof demonstrating that the order was indeed canceled and that I was entitled to a refund. Despite this, CitiBanks dispute department failed to take my side or handle the situation appropriately, siding instead with the merchant.

I have uncovered issues with CitiBanks dispute handling that extend beyond my individual case ; many other customers have voiced similar complaints concerning their disputes with merchants. This pattern of unprofessionalism and poor service is unacceptable. The dispute department appears to lack the necessary competence and commitment to fairly resolve customer issues. 

I am requesting the CFPB 's assistance in addressing this matter. It is crucial that consumers are treated with respect and that credit card companies like CitiBank are held accountable for their actions. We deserve a banking experience that prioritizes customer service and transparency. 

Thank you for your attention to this serious concern. I look forward to your response and any actions you can take to improve the situation for myself and other consumers facing similar challenges. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-11-22 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: MI

Complaint narrative:
I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: IL

Complaint narrative:
I Have inquiries that I NEVER applied for on my credit report, They include, XXXX on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX XXXX XXXX on XXXX XXXX XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX  on XX/XX/XXXX. I am a victim of identity fraud and I have a report. These accounts should be removed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: IL

Complaint narrative:
I Have inquiries that I NEVER applied for on my credit report, They include, XXXX on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX  on XX/XX/XXXX. I am a victim of identity fraud and I have a report. These accounts should be removed IMMEDIATELY.

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 2024-11-22 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: IL

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I am requesting their removal within 15 days. Attached are the relevant documents for your review.

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 2024-11-22 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:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo is claiming a hard inquiry on my XXXX report for XX/XX/year> that stems to a loan inquiry I did not make. Since my personal information has been hacked which can be proven and my identity stolen and found on the dark web and attempted to be used, I request this hard inquiry on my XXXX report for XX/XX/year> and my XXXX report in XXXX to be removed ( independent dispute on XXXX made ). It was not me! I did not contact Wells Fargo in regards to a personal loan! It was attempted use of my identity in order to obtain one I never authorized. The inquiry is not valid and needs removal off my credit reports.

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 2024-11-22 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: IL

Complaint narrative:
Im requesting your support to address this incorrect account reported on my credit report. It has harmed my reputation as a customer, and I need your help. This account should be removed, as it is inaccurately and negatively reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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