vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Over 2 1/2 years ago , XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX , MA began adding derogatory notices to my credit report. I called them and asked what this was, and they said it was an unpaid bill of {$130.00} with XXXX XXXX XXXX ( Who I've never used ). I disputed this information and was told that they " would look into it ''. A year later, I saw that they were still reporting on me, and I called back. After listening to them say that the information I gave them is not in their system, I demanded to speak with a supervisor. After explaining all of this again, the supervisor said that they had attached this account to me in error, and they would correct it in 30 days. They did not. I called the credit reporting agency, XXXX, who claimed that they would investigate and get it corrected. All I can see is that they did was add a note that " Account information disputed by consumer under the Fair Credit Reporting Act ''. 
In the meantime, my credit rating has gone down XXXX points because of XXXX XXXX XXXX ' fraudulent claim that I owe money. XXXX XXXX XXXX claims, once again, that they will correct this, but they still have not contacted the credit reporting service.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally submit a complaint to EXPERIAN regarding inaccuracies in the reported data on my credit file. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. 

I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and 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 2023-12-08 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: TX

Complaint narrative:
Over the last 4 years I began building credit, but have not been frequently checking and finding ways to improve my credit. Over the last 2 years, I found numerous accounts showing up and no resolution to these accounts. I also noticed improper reporting on one account that was mine. I tried to take action to this back in XX/XX/, but haven't had any luck with these accounts. I reached out via email to all 3 credit bureaus, but they have failed to provide any documentation to me at this point, or solution. It is a long and tiresome process that is difficult on my family, as I can not help with approval for a new home at this point.

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 2023-12-08 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: SC

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

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

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

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The overdraft was caused by a stolenphone from a robbery.There were robberies at my car and they took my phones ( 2 phones ) from my hand and ran away from my car. ( So, I reported it to the police and there is a police case # XXXX, XXXX XXXX XXXX, reported on XXXX ) And they hacked and opened the Chase bank app using the XXXX transaction. 
And They transfer several transactions ( without my authorization ). 

These are the transactions & withdrawns totaling {$4000.00} that I DID NOT AUTHORIZED. 
- {$1000.00} x 2 times - {$2000.00} x 1 time -Total of {$4000.00} So, During these fraud transactions, I reported thefraud transaction right away to Chase bank and reported it to the police. After all, Chase refunded {$4000.00} instantly but they pulled {$4000.00} back!, because they investigated and decided that was under my authorizations. So, now I had the - {$4000.00} OVERDRAFT resulton my account and XXXX closed my accountwith OVERDRAFT action. ( Of course, I never gave the authorizations it was robbery. ) **Reference numbers : -Chase claim number : XXXX -Fraud Chase Checking account # : XXXX -New Chase Checking account which has been overdraft and closed ( after fraud account ) : # XXXX XXXX XXXX Unauthorizedtransaction amount and date : {$4000.00}, XXXX XXXX XXXX  Fraud ID name : XXXX -State by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-12-08 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:
My student loan was paid off in XXXX with the Public Student Loan Forgiveness Program, just over {$39000.00}, which is over 40 % of my debt. XXXX states they report the status monthly and the credit reporting agencies have up to 90 days to make updates. It has been over 90 days since they were notified and they still show me owing that debt. I submitted the letters and balance information from XXXX and they processed the disputes but determined not to change any of my information. I gave them all supporting documents I have access to, and according to XXXX they have sent the documents to them but they are unwilling to remove the debt from my report. They still show the entire balance as active.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: FL

Complaint narrative:
My credit report does not include transactions or experiences. According to the U.S. code below. I dont understand why XXXX , Equifax and XXXX are reporting late payments to my consumer report, but it is clearly illegal to report transactions more specifically late payments to my consumer report. More specifically my XXXX ACCOUNTS and MANY OTHERS, Are being reported as late payments, which is clearly illegal as you are reporting transactions on my consumer report. They should say ok or paid as agreed. I want this reversed and changed immediately because my rights and the law have been violated. I am demanding that my consumer report be thoroughly investigated for all late payments from past to present and for them to be reversed, and shown as OK or paid as agreed. A consumer reporting agency does not have the authority or according to the U.S. law to report transactions or experiences. Furthermore : According to 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for U.S. Code 1681s-2-Responsibilities of furnishers of Information to consumer reporting agencies ( a ) Duty of furnishers Information to provide accurate Information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) containing information solely as to transactions or experiences between the consumer and the person making the report ; These are the parameters according to U.S. law what a consumer report should actually contain. As you can see, there is nowhere where it says transactions should be included or even reported. Any transactions or experiences are to be excluded. 

I demand late payments to be removed from my consumer report and reversed to OK or paid as agreed. Any further violation of my personal consumer report will lead to prompt litigation. 

I demand all late payments, showing on my consumer report after a thorough investigation into this matter to be reversed. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Third party the took over the account threaten to take me to court and sue me if I didn't make a payment arrangement for this old account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2023 I had submitted a dispute to XXXX  and upon XXXX  investigation the results came back accurate today ( XX/XX/2023 ). How can the results be accurate? When my whole payment history is missing on my Macys/Citibank , N.A. account on my credit report especially when this account is a Charged off account. But XXXX has put it as a satisfactory account which it is not. XXXX have not done a THOROUGH INVESTIGATION and XXXX have not contacted Macys/Citibank , N.A.about this account so that it can be deleted. This account is not completely accurate as stated in your previous investigation. Therefore according to the FCRA and 15 U.S.C 1681 this account needs to be deleted 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 2023-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-12-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I moved at the end of XX/XX/2023. 
I asked Synchrony XXXX of XXXX. Tx, to update my account address. 
I called & spoke with the Synchrony IRA Dept multiple times, including XX/XX/23 & XX/XX/23. 
Plus I sent in the proof of a new addressXX/XX/23. 
A call to their IRA Dept today resuted in their refusal to update, they said the forms & proof were received by them, but now I had to receive a text ( which I do not do ), plus my drivers license, a photograph of me, & other documents. Its obvious their attorneys are driven to mist-treat XXXX  who do not use cell phones/texting. I have other XXXX XXXX  ( XXXXXXXX ) & they specifically allow us to do changes over the phone or via simple letter. Synchrony prefers fraudulent ways of blocking IRA holders from their funds.

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I called into Equifax for them to update the inaccurate information on my report. There is 4 hard inquiries that are not authorized and also an account was removed from my credit report resulting in it affecting my credit score going from XXXX to XXXX. I informed the companies rep that reporting inaccurate information is against FCRA laws but was met with rudeness and told that they cant do anything about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
After moving half way across country and changing my address with USPS, toyota decided to stop sending me bills completely, to either my previous or my current address. 

They put a derogatory mark on my credit report while they NEVER sent out any bills, NEVER tried contacting me, NEVER emailed me about a late bill while constantly bombarding my email inbox with promotional emails. 

Thes

e 2 payments were the last payments for the car, and since we didnt get any contact from toyota , we were expecting our title and lien since we thought we paid it off. Nothing. I have called them multiple times to remove this rem
ark on my report as i paid immediately after we realize toyotas error. This is their process error, yet they keep telling me our system says we called and sent mail, too bad. DID NOT GET ANYTHING, just DEFLECTIVE ANSWERS and EXCUSES.

Is this fair for the corporation to keep pinning their process problems and human errors on their consumer? We want physical bill for a reason so we can pay on time instead of relying on a system that have failed us before, and likely have failed a lot of toyota customers from what i have read. 

During the phone call, they keep diverting responsibilities. They keep saying their documentation says otherwise, which is false. 

I am also hoping that this isnt a XXXX discrimination thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear TransUnion I noticed that my credit score dropped. I checked my credit report and noticed multiple inquires on my credit report. I authorized a few of them but some of them I did not authorized. I read the Fair Credit Reporting Act, and it stated that a company needs a permissible purpose to pull someones credit report. Well I did not give the company below that permission. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXX | XX/XX/2022 : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

I have also sent a letter to the furnisher asking them why they have pulled my credit report without my permission. Im waiting for their response. While waiting for them, Im asking you to honor the law and delete these inquires. 

Help please.

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 2023-12-08 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:
In early XX/XX/2023, a Chase Checking Account check payment ( Check # XXXX, for {$1600.00} ) I made payable to my landlord ( XXXX XXXX XXXX XXXX ) and sent via USPS Mail was fraudulently intercepted and cashed by an unknown party via XXXX XXXX. I promptly notified Chase and submitted the necessary documents with a signed statement from my landlord representative on XX/XX/2023. Chase opened the claim, investigated, and issued a credit for the stolen check amount {$1600.00} on XX/XX/2023. However, Chase reversed this credit in XX/XX/2023, removing {$1600.00} from my account without a clear reason. When I called Chase customer service to inquire, Chase representatives provided different and conflicting responses. One explanation I received is that Chase has repeatedly contacted XXXX XXXX ( the bank that cashed my check without properly verifying the identity of the payee ) and has not yet received a response. Therefore Chase can not reimburse my stolen check amount until they receive a response, with no definitive timeline of when Chase would assume responsibility to reimburse me if XXXX never respond at all. The initial credit that Chase provided for me is only a courtesy and expires after 90 days if Chase can not resolve the dispute with the other bank. Another reason that other Chase representatives have provided is that a Chase employee had revoked the {$1600.00} credit in XXXX because they thought my account had been credited twice ( I only received the credit once in XXXX ; this is easily verifiable from my account statements and activities ). After dozens of times contacting Chase without a clear resolution during the span of 10 months, I still can not recover the money stolen from my checking account. Chase can not offer me any clear timeline or pathway for this issue to be resolved if XXXX XXXX never responds to Chases multiple inquiries. In the last letter I received from Chase on XX/XX/XXXX, they are putting the responsibility in my hand to recover my funds from XXXX XXXX.

Company response to consumer: Closed with explanation