vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
XXXX XXXX, 2024 Dear CFPB I am writing to bring to your attention that, due to incorrect reporting, my credit score has decreased by XXXX points within the past 30 days. I have filed a complaint regarding this matter ; however, the issue has not been resolved yet. All my accounts are in good standing and up to date. Why did my score go down by XXXX points in last 3 weeks Could you please provide an explanation and reason? 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PLAID INC.
State: VA

Complaint narrative:
I completed these activities through XXXX XXXX XXXX XXXX XXXX Enrolled in and funded a XXXX XXXX checking account through XXXX XXXX XXXX. I connected a XXXX checking account with the Plaid service. 

XX/XX/2024 -- Enrolled in and funded a XXXX brokerage account through https : XXXX. I connected a XXXX checking account with the Plaid service. 

I sent funding from, and login information for, my XXXX checking account when using Plaid on both occasions. 

The Plaid service asked for my username and password to fund account when enrolling with novo. 

When enrolling with XXXX, the Plaid service asked for my login information and a one time passcode sent to either my phone or email associated with my XXXX account, mirroring the log in steps when logging into XXXX directly. 

The first occasion did not require a one time passcode to be entered to connect the accounts. The second occasion required a one time passcode to be entered to connect accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XX/XX/2023, I called Synchrony Bank 's fraud department after noticing a charge on my statement for XXXX from XXXX XXXX XXXX. I know the restaurant owner, XXXX XXXX, and asked him about the charges. XXXX. first admitted and then he denied any knowledge of it. I called Synchrony and explained that the owner denied the charges, although it was clearly on my billing statement. The representative told me to file a fraud complaint and advised me to file a police report. I did as instructed. Since XX/XX/2023, I was told to allow 45 days for Synchrony bank to investigate. I called approximately 20 days later and I was told by the bank representative that there was no information in the system of me filing a dispute. So I went through the process of filing another claim. I was told to allow 45 days processing time again. I called again at the end of XX/XX/XXXX to 3 times later in XXXX, XXXX to 6 times in XXXX, the same in XXXX and XXXX. When I called in XXXX, I spoke with a representative by the name of XXXX. XXXX assured me the matter would be resolved. However, when I called in XXXX, the same cycle of events happened again. I was told my claim was denied because " you accept the charges ''. They were saying that I told them ( synchrony ) that I agreed to the charges. This is obvious a false statement. I never accepted responsibility for the charges. I called for XXXX again and he once again assured me the charges would be removed and my account would be on hold until everything is resolved. In XXXX when I called in, I was told the claim was denied for the same reason as before. I also received a statement that my Sam 's Club synchrony account is being closed. This bank has been very difficult to deal with and based on multiple reviews may situation appears to the bank 's common practice. The practices and mishandling of my account by Synchrony were very similar to the reviews I read with the XXXX XXXX XXXX XXXX website. I am completely frustrated and confused as to why this is ongoing for 8 months. There is definitely foul play going on. I desperately need assistance. 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
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Domestic violence survivor. I had a restraining order and still do. They were aware of me being harrassed daily and assaulted on the property. Neighbors also made them aware. Everyone was. Scared! Feared for my life and I expressed that to them. Also overcharged when they tore down to remodel lived here 10 years company reported an inaccuracy that shouldnt be on credit report lease needed to be broke without penalties. For safety reasons dates of lease inaccurate move in XX/XX/XXXX moved out XX/XX/XXXX! Please remove and or correct the price so that the courts dont have to get involved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
At around XXXX XXXX  on XX/XX/2024, two withdrawals were made from my checking account via ATM at the XXXX location of the Navy Federal Credit Union. I reported these unauthorized withdrawals to NFCU that night and asked that an investigation be conducted to determine who made these withdrawals as my debit card was still in my possession and I had not left the house for that day. On XX/XX/2024, I received an email from NFCU stating denying my claim. No one from NFCU had contacted me to ask questions about my claim and although I asked, no information was provided to show that NFCU actually reviewed the security cameras at the ATM to determine who had made the withdrawals totaling {$480.00}. After I appealed this denial, I received an email on XX/XX/XXXX stating that {$480.00} was going to be placed into my account and that I was to respond to any contact. Then on XX/XX/XXXX, I received another email telling me that my claim had again been denied. No one contacted me to discuss my claim and again, I have no indication that the ATM security cameras were examined. NFCU failed to conduct a thorough and adequate investigation into my claim and because of this I have lost a considerable amount of money which I can not afford to lose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
XXXX XXXX XXXX KIMBALL TIREY STJOHN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : ( XXXX ) XXXX I am writing this to bring to your notice the following information added to my credit report. The amount {$4500.00} along with the name XXXX XXXX XXXX XXXX XXXX are falsely added to my credit report without my prior knowledge. ON XX/XX/XXXX KIMBALL TIREY STJOHN claimed that I am not YOUR customer or client of respective credit reporting agencies. I am deeply surprised by this statement, as it contradicts the presence of a collection account on my credit report, which clearly indicates that YOU have my personal information. I refuse to pay this debt I have attached a copy of the response to the XXXX  for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
I have a account with ChexSystems that I was on the aware of this was a fraudulent account and fraudulent inquiries

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 2024-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I began receiving calls and voicemails from an unknown number stating there was a " personal business alert '' from XXXX and that I should call XXXX XXXX XXXX XXXX to speak with a representative. Due to the cryptic and repetitive nature of these calls and voicemails, I assumed it was a scam attempt and decided to not interact further. 

Then in XX/XX/XXXX, I checked my credit report because I was going to start looking for apartments soon. I saw a significant drop in my XXXX XXXX from XXXX in XX/XX/XXXX to XXXX, where it sits currently in XX/XX/XXXX. I was befuddled, and saw a notice that said there is a presence of a XXXX  public record or collection. I then made the correlation that I began receiving cryptic phone calls and voicemails in XX/XX/XXXX and my credit score began XXXX  in XX/XX/XXXX. 

On XX/XX/XXXX I decided to call the XXXX XXXX XXXX XXXX number given in XXXX 's voicemails and attempt to get to the bottom of this. I then spoke with a XXXX  who told me that XXXX was attempting to collect a {$150.00} rental debt from my previous apartment complex XXXX XXXX. 

I had moved out of XXXX XXXX in XX/XX/XXXX. I then moved into my current apartment in XX/XX/XXXX. When I moved out I did provide XXXX XXXX with a current and valid forwarding address. 

I then told the representative from XXXX that this phone call was the first time I was ever notified that I had a outstanding debt with Fairways XXXX. I also told the representative that I had never received any formal written notice from Fairways XXXX or from XXXX of this rental debt. I told the representative that I provided a valid permanent address to XXXX XXXX. The address I provided them is my permanent address where I have all my important XXXX  sent. 

I then paid XXXX for my outstanding {$150.00} debt, because I wanted a swift resolution to the issue that was severely affecting 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 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I am writing to file a formal complaint against the ONLINE INFORMATION SERVICE ( Original Creditor : XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) for negatively reporting a debt on my credit report without my knowledge. Despite multiple attempts to contact the company, I have received no response. 

Upon discovering the debt, I have found several inaccuracies in the reporting. The Date Last Active, Date Opened, Date Last Reported and Account Status are all incorrect, impacting my mental health, credit-building efforts, and credit applications. 

I have diligently followed the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in addressing this matter with the company to no avail. The situation is now severely affecting my financial well-being, and I am compelled to seek resolution through legal avenues.

I kindly request your immediate intervention to rectify this matter and ensure the removal of the inaccurate debt from my credit report. Your assistance is crucial in restoring fairness and accuracy in accordance with the FCRA.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX Chime closed my account and sent an email out stating that I violated their user agreement. I called them and they said a check with my remaining balance would be sent within 30 days but would not provide a reason for cancellation. I emailed again XX/XX/XXXX and XXXX asking for status of the refund and why my account was closed. They could not tell me they said. I went ahead and emailed and called a few more times until XX/XX/XXXX I received an email stating my account was ineligible for refund. I asked why and they did not provide the answer. I got on an 1hr and 28 min phone call with their member services team where they stated they had no supervisors and discouraged me from trying to speak to the supervisors I was transferred to 8 different people who I had to reexplain my situation to. They all read the same script from the email and were at the same level of the chain and said their is no course of action I can take and nobody to talk to that can review the situation. I received more emails that day replying to my email about the course of action I should take and why exactly and what I violated. They only apologized and did not elaborate. I then messaged the Chime XXXX on XXXX XXXX who replied and said her team will look into this. The back story to this situation is I am in the XXXX XXXX and used the app to receive money from family back home who were helping me out with a bill. I have XXXX dollars on the account and only wanted a refund at least. My lawyer told me to file this complaint after reviewing the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: FL

Complaint narrative:
XXXX, a debt collector, inserted adverse information into my credit file. On XXXX XXXX, 2023, I dispatched a certified letter, invoking the Fair Debt Collection Practices Act ( FDCPA ), demanding validation of the debt. Despite a lapse of 30 days from receipt of my demand, they failed to validate the debt, thereby violating the FDCPA. On XX/XX/XXXX, I formally notified Equifax of this violation via certified mail, urging them to remove the derogatory information reported by the debt collector. Regrettably, Equifax declined to take action. Instead, they reiterated that they had contacted the debt collector and verified the debt 's association with me. Legally, Equifax was obligated to expunge the derogatory information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On various dates, someone used my debit card to make unauthorized purchases at XXXX and XXXX XXXX XXXX  for a total of {$350.00}. I called Navy Federal Credit Union on the night XXXX XXXX, 2024 to file a claim explaining that I was not the person who made the purchases on my debit card. At XXXX am  on XX/XX/XXXX, without contacting me, NFCU emailed me to state that my claim had been denied. Obviously, no investigation into my claim was made since NFCU denied it without contacting me and within a few hours of receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2024-01-28 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: GA

Complaint narrative:
I am writing to complain unauthorized inquiries on my credit report. After reviewing my credit report, I have identified inquiries that I did not authorize or recognize. These inquiries came forth despite a fraud alert place by the reporting agency Transunion with my contact information, all of which was not recognized despite their own policies. I request that these inquiries be removed immediately according to the FCRA sec 604 ( f ) and lack of permissible purpose. The unauthorized inquiries are listed in full detail in the attached supporting documentation.

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 2024-01-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: Fairway Consumer Discount Company
State: PA

Complaint narrative:
My partner and I took a lone out from fairway XXXX almost XXXX ago for XXXX  years. We paid it off after XXXX years and took another one using our home as Calateral. The Financial company has never reported any of this to the credit burns and it don't show up on any of our credit reports. It's good to pay off a lone early but nothing shows up for our scores have gone up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
contacted by Transworld Systems Inc XXXX XXXX XXXX XXXX, De XXXX about a XXXX XXXX Account XXXX that the account was paid in full they also sent me a bill Saying my wife XXXX XXXX XXXX owed XXXX this account was is not even XXXX  days past due and they started up collections I have called XXXX XXXX they told us actually have a XXXX credit on our old cell account. these XXXX a well know under handed collection agency has put illegal negative report on our credit history..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express charged my card for {$360.00} on XX/XX/XXXX, claiming that this fee is for reversal of a previous credit. However until now, American Express only provides reason for {$200.00} in {$360.00}. It fails to provide a reason for the remaining charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Columbia Debt Recovery, a collection agency, consistently reports varying amounts to all three credit bureaus, alleging I owe money to a landlord. Despite my certified letter on XX/XX/2023, demanding validation of the debt under the FDCPA, Columbia has not complied for over 90 days. Their failure to validate and continuous reporting of different amounts to the credit bureaus represent clear violations of the law, impacting the accuracy of my financial profile.

Company response to consumer: Closed with explanation