vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 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: SC

Complaint narrative:
I have reached out to XXXX, XXXX, & Experian to have 2 inaccurate collection accounts removed from my credit report several times. The first request was submitted on XX/XX/year>. I have asked all XXXX of these companies to verify these alleged debts, and I have not received a response, however, my credit profile has been updated to show that the collections meet FCRA guidelines which is false. I have disputed both by mail and online. The online dispute came back verified the same day, in which, the credit bureaus have not even had time to reach out to the collection agency to verify a debt. I have also reached out to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, the 2 companies that are reporting inaccurate information to the above-named credit bureaus and they have yet to supply the information requested and it has been more than 30 days.

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 2024-07-03 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Hired XXXX XXXX XXXX XXXX XXXX  to do a project. 
They suggested using Synchrony Bank 's credit card to finance the project. 
I applied and was approved for the credit card. 

On XX/XX/year> XXXX had me sign a contract for the project 's {$16000.00} with the term " Your card will not be charged until the project is complete ''. 
See page 2 of Appendix A - Synchrony Sales Slip XXXX Reviewing my XXXX Synchrony credit card statement, XX/XX/year> I was billed for {$16000.00} ( even though the project had not started ). 
See Appendix B - Synchrony XXXX Statement I called XXXX XXXX XXXX & Cooling to complain, they did not return my call. 

They started the project. As we watched the work, we noticed many low quality issues. After bringing them up with the company they became aggressive toward us. 

We then had a XXXX XXXX XXXX XXXX come out and document a series of issues with the system. 
See Appendix C - XXXX Party System Inspection - XXXX We filed a chargeback with Synchrony Bank for 2 reasons 1 ) Terms said " Your card will not be charged until the project is complete '' Project is NOT complete ( 3rd party verified ).

2 ) Company is using aggression and intimidation to try and pressure us to accept low quality work.

Synchrony Bank has rejected the chargeback stating we should accept XXXX 's word that the system is delivered and high quality ( refuted by 3rd party XXXX  company, on company letterhead, that system is not delivered or acceptable quality ) Synchrony Bank is violating their terms by allowing a charge when " Your card will not be charged until the project is complete '' Project is NOT complete ( 3rd party verified )

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found errors on my credit report showing unpaid loans, leading to my car loan application being denied.

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 2024-07-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OK

Complaint narrative:
This company is report damaging inaccurate collection information on my credit report. I ask this company to provide me with original contract with my signature stating that I owed this debt. This company is reporting past due amount and late payment which is also damaging my credit monthly. I have also disputed this account via XXXX which was verified accurately. I have asked XXXX to provide with original contract and signature and the method of verification which they have failed to do as well. I just want it to be fair by removing this damaging account 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 explanation
Consumer complaint received 2024-07-03 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:
When I went through my credit profile I seen inquiries that do not belong to me.

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 2024-07-03 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: CITIZENS FINANCIAL GROUP, INC.
State: MN

Complaint narrative:
CITIZENS ONE opened an account in my name, using my identity. This was not opened or authorized by me. 

Attempting to resolve via credit disputes, the company continually claims that all is accurate. This is not the case. 

This account is heavily damaging my credit, impending my ability to acquire a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: MI

Complaint narrative:
I sent a few investigation request letters but never received any response back from the credit bureaus. This is a violation of my rights under the FCRA and FDCPA.

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 2024-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This company has called my parents, my XXXX husband form XXXX  years ago and has used phones calls to harrass and try to put fear into all of these people by way of telling them they are coming to 'arrest ' me if I do not respond. I called and the XXXX said you have a litigation against you and ypu owe XXXX. I wish you luck. ' These were exact words. I asked for her Information. She said she did not have to give me any information and when I asked for the website to confirm the info, she said they do not have a website and they do not have to disclose anything to me. They have have called my phone approximately XXXX times. They have scared my mother that they were coming to arrest me. XXXX said she is the only personI can speak with and she doesn't have to give me any info. Again, she just said good luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: AZ

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MD

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding a dispute with Chime over XXXX fraudulent transactions on my account. The transactions in question are as follows : On XX/XX/year>, a transaction of {$50.00} was made at XXXX XXXX XXXX ( Transaction # XXXX ). 
On XX/XX/year>, a transaction of {$1700.00} was made at XXXX XXXX XXXX ( Transaction # XXXX ). 
I immediately contacted Chime upon noticing these unauthorized transactions and explained to them that I do not have an account with XXXX XXXX XXXX. Additionally, I reached out to XXXX XXXX XXXX, and they confirmed that I do not have an account with them. 

I requested that Chime provide evidence from the merchant showing that these transactions were processed with my authorization. Specifically, the merchant should be able to provide details of my account if, in fact, I have XXXX with them. Despite my request, Chime has refused to obtain or provide such evidence. 

This situation has caused me significant XXXX  and financial inconvenience. I am seeking your assistance in resolving this matter and ensuring that Chime complies with their obligations to investigate and resolve disputes involving unauthorized transactions. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: PR

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
Account name : XXXX XXXX, XXXX, XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/year> under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/year> with a balance of {$450.00} that appears related to the aforementioned personal account opened at XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

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 2024-07-03 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: NC

Complaint narrative:
I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I have no knowledge of obtaining any of the accounts listed here.

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 2024-07-03 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: NC

Complaint narrative:
I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: CA

Complaint narrative:
This complaint to EQUIFAX for allowing fraudulent inquiries on my credit report and also for continuing to report the inaccurate information on this account listed below. As I checked my recent credit report, the unauthorized hard inquiries are reporting including the inaccurate account on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
On XX/XX/2024, I contacted Ally as I was unable to log into my account. Back story, My Ollo credit card was transferred to Ally. I also gave an auto loan through Ally. They merged the accounts and now I cant log in to pay my auto or credit card.

The auto side transferred me to the credit card side. The credit card side showed that I have an account, but the credentials for a username and password were blank. A ticket was opened to correct the issue and was stated it could take up to ten days. In the meantime I had to pay over the telephone for an additional fee of {$4.00}. 

Fast forward to today, XX/XX/2024, the matter was not resolved, another ticket submitted with an anticipated date of 2 days to repair the account, and another additional {$4.00} fee to use the telephone payment line. 

I am upset that this has taken over 30-days and the online accounts are not working, had to use the telephone payment line twice for an additional {$4.00} fee each time, and unable to see my accounts. I am unsure my automatic payment on my credit card will function this month either. 

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has failed to send me the proper licensing, title, bond, and original contract to verify a debt they are stating that I have. I am not liable for this debt of {$2400.00} with XXXX XXXX XXXX Account number XXXX. I do not have an account with XXXX, I have reached out to Transunion to verify the debt from XXXX  and they did not provide me with an original contract with a wet signature and I.D . verification. Nor did they provide me with a copy of the original licensing title and bond from XXXX back dated to XXXX of XXXX  which is the date this item was added to my Transunion credit profile stating they have legal authority to collect on a debt in the state of Texas. 



I have attached proof that this company XXXX is not properly licensed or bonded to collect on this debt and I am requesting that it is immediately removed from my Transunion profile!

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Good afternoon! 

I am reaching out to get my old last name and addresses removed from my credit report if possible. 

Name : 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  I have a different career, and would like my XXXX XXXX XXXX XXXX XXXX  removed from my credit please.

Thank you!

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