vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: MS

Complaint narrative:
My credit was ran without my consent or by someone pretending to be me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: AL

Complaint narrative:
I have provided updated information regarding this false account on my credit report that this debt collector requested. I'm aware that this is all that's needed to process this false account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
An annual fee of {$50.00} was attached to my HELOC beginning of XX/XX/2023. I was not aware of the situation as I have never used the HELOC and it had a {$0.00} balance. I never received a phone call nor a billing statement aside from electronic ones which was hard to access and not easily get to on the phone app. I use the phone app to alert me of my balances. Alliant 's application continues to erroneously show {$0.00} on my HELOC which led me to believe there was no fee. However, they automatically had already attach the fee without me noticing then proceeded to report it to credit bureau after 30 days. 

This is not a reflection of my credit worthiness nor is it a result of my inability to pay. This was due to a lack of notification and transparency around an annual fee that the company automatically attaches to my account. 

This issue has drastically reduce my credit score whlist I'm in the middle of procuring a home loan therefore negatively impacting my ability to find a new home. All due to a {$50.00} fee that was not widely advertised, poor communication, and poorly designed application user interface ( see exhibit I attached showing {$0.00} balance this entire time ) I was relying on the app to remind me of payment obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: NY

Complaint narrative:
I believe a check was stolen, forged, signed and cashed by a XXXX XXXX even though it was made out to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX is not known to me or to XXXX XXXX XXXX who the check was made out to. Despite the very obvious signature flaws, this check was inappropriately cashed by the XXXX  XXXX XXXX. 

A check, issued a check from my Chase checking account in the amount of {$2900.00} that was returned to me as having been cashed. However I was informed by the payee XXXX XXXX XXXX XXXX XXXX that the check was never received. 

The returned check had an endorsement signature on it that clearly was mine. The name XXXX XXXX was handwritten on the front of the check above my name. 

I immediately called the Chase Bank who told me the check had been cashed. They added that they would investigate and that I should give the payee ( XXXX XXXX XXXX ) some time to see if it turns up. 

On XX/XX/2023 I went into Chase to speak directly to a manager who gave me the appropriate forms to fill out and send ( Declaration of unauthorized endorsement or altered item ). 

On XX/XX/2023 I received a letter from Chase stating that bank that accepted my check was responsible for repayment but that they would make an attempt to recover my lost funds that may take 90 days or more to resolve. 

On XX/XX/2023 I received a letter from Chase saying that they hadnt received a response from the depositing bank and that that bank was responsible for the claim. They added that if they hadnt heard from the depositing bank in 90 days from my claim submission, they will close the claim and my funds will not be recovered. I wasnt given the name of the depositing bank. 

On XX/XX/2023 I returned to the Chase bank and spoke to the manager who initially helped me. He called an internal number and found out that : h the depositing bank was XXXX XXXX XXXX ; that Chase made one attempt to contact them with no return response, and a recent second attempt on XX/XX/2023. They suggested that I contact your government office of consumer finance, hence this application. 

HELPFUL INFORMATION Chase Declaration of Unauthorized Endorsement reference number : # XXXX Chase contact number : XXXX Original check : chech no. XXXX, check date XXXX/XXXX/XXXX, amount {$2900.00}, payable to XXXX XXXX XXXX XXXX XXXX. 
Check cashed at XXXX XXXXXXXX XXXX ( I do not know the address ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Experian, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. These inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX XXXX XXXX Type of Business : All Banks - non specific Date of Inquiry : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Type of Business : Auto Date of Inquiry : XX/XX/2023 Creditor Name : XXXX XXXX Type of Business : Credit Union Date of Inquiry : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Type of Business : Auto Date of Inquiry : XX/XX/2023 Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX Type of Business : Auto Date of Inquiry : XX/XX/2023 Creditor Name : XXXX Type of Business : Personal Loan Date of Inquiry : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Type of Business : Credit Union Date of Inquiry : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Type of Business : Credit Union Date of Inquiry : XX/XX/2023 Creditor Name : XXXX XXXX Type of Business : Credit Union Date of Inquiry : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Type of Business : Credit Union Date of Inquiry : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX XXXX Type of Business : Credit Union Date of Inquiry : XX/XX/2023 I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off 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 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UPGRADE, INC.
State: NC

Complaint narrative:
I opened rewards checking and premier savings accounts on XX/XX/23. Upon receiving my debit card I also ordered checks, initiated transfer of funds and started updating autopay and direct deposit for my new account. On XX/XX/23 I discovered I couldn't add my Upgrade Visa Debit card to my XXXX XXXX, nor could I use the card for purchases on the XXXX XXXX store. I reached out to Upgrade customer support who denied seeing an issue and locked/unlocked my debit card and instructed me to keep trying for a few days and reach out to apple support if the issue wasn't resolved. I reached out to XXXX XXXX on the same day and discovered via diagnostic logs that my Upgrade Visa is ineligible for use with XXXX XXXX - contrary to the below statement on the Rewards checking FAQ - " How do I access my money '' https : //www.upgrade.com/rewards-checking-plus/ " You can use your Rewards Checking Plus Upgrade VISA Debit Card wherever Visa is accepted. Its also easy to add your debit card to XXXX XXXX or XXXX XXXX so you can take advantage of contactless technology and pay with your device at participating merchants. '' I placed another call to Upgrade customer service on XX/XX/23 and upon pressing for escalation was notified this is a common issue, there is no resolution and nothing the team can do to assist and that my only option was to " keep trying and see if it eventually works ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
I have been waiting to buy a home since XXXX, my credit union sent commentity bank a cashiers chgeck to payoff the card and that check was delivered on XXXX. I started a dispute in early XXXX and I was told the dispute team would take care of it and not to worry. They told me I wouldnt be responsible for making payments while they located the check and closed my account and that all of the fees I saw after they received the check would be removed. A month later my credit score dropped XXXX points because they DID report me 30 days late TWICE now!. Now I can not buy a home and EVERY TIME I send a message I get the same response " Disputes can take up to 90 days ''. 

My question they will not answer is, What other outcome could there be if we sent them copies of the cashiers check, delivery receipt, and the payoff letter? Why has it taken 2 months? Why cant I get an answer on this? They also REFUSE to sign a release of funds which would allow my back to cancel the check and wire the money. 

I am literally stuck here meanwhile I lost out on 2 homes to purchase and can not buy the car I was in the middle of shopping for. This is RIDICULOUS. Then when you reach out they tell you they're in the middle of researching it and will get it resolved as quickly as possible. I have been hearing that for 8 weeks!!! 

Please look at the documents I attached and ask yourself what you think would be fair at this point given the fact that I have spent over 40 hours dealing with this and lost the opportunity to buy a home.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
our company is reporting two accounts on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. 

These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. 
I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally. 

Please remove this from my credit report so I can start possibly rebuilding my credit and life. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, 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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance details XXXX XXXX paid off Balance {$2700.00} Balance updated XX/XX/XXXX Original balance {$2700.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$2700.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Comments Completed investigation of FCRA dispute - consumer

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX, Equifax, XXXX, and XXXX announced that they removed unpaid medical collections under {$500.00} from consumer credit reports. The three companies, in XX/XX/XXXX, previously removed paid medical collections from credit reports, and extended the delay in medical collection reporting from sixth months after the first delinquency to one year after the first delinquency. I'm asking for EQUIFAX to remove XXXX XXXX XXXXXXXX XXXX  under Acct XXXX that is for {$360.00}. See attached references that support removal of this medical account. Also under 1681s2. Responsibilities of furnishers of information to consumer reporting agencies. ( 9 ) Duty to provide notice of status as medical information furnisher A person whose primary business is providing medical services, products, or devices, or the person 's agent or assignee, who furnishes information to a consumer reporting agency on a consumer shall be considered a medical information furnisher for purposes of this subchapter, and shall notify the agency of such status. 1681a. Definitions ; rules of construction ( XXXX ) RESTRICTION ON SHARING OF MEDICAL INFORMATION.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have had a running battle with Synchrony Bank. I keep paying off my monthly total and they keep charging outrageous interest. Here 's 2023 : Month Balance* Interest Rate XXXX {$300.00} {$6.00} 25.3 % XXXX {$140.00} XXXX 68.7 % XXXX {$400.00} {$9.00} 28.3 % XXXX {$380.00} {$10.00} 33.0 % XXXX {$540.00} {$15.00} 33.7 % XXXX. {$350.00} {$18.00} 61.3 % * WHAT they claim, but that wasn't my balance posted on line. 

They refunded the {$18.00} after I protested for the last 3 months and they told me last month IF I paid off the {$200.00} there'd be no interest. They still applied it any way. 

I DON '' T like there shady practices. I go on line EVERY month ( XXXX ) to get my balance, except the value posted wasn't my true balance. Took me 3 months to get that straight, and I complained then about unfair interest charges. 
Synchrony Bank is gouging theor customers and not being transparent with your balance owed. I have 5 other cards ( general and dedicated stores ) and this was the ONLY ONE I had issues with!!

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Requesting to dispute information as a result of identity theft. The following accounts are not associated with my personal information. XXXX XXXX XXXX XXXX  Account number XXXX and XXXX XXXX - Account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My Equifax account is showing delinquent payments on my federal student loans for over 120 days and I've never missed a payment. I disputed this through Equifax and my dispute did not correct this. When I attempted to redispute, I got a message saying I can't dispute something that has been disputed before. When I talked to my fed loan providers ( XXXX XXXX ), they said to dispute through Equifax. This is severely hurting my credit score and I feel like I'll never be able to get rid of this in a timely manner, please help!

Company response to consumer: Closed with non-monetary relief