vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please see attached file.

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 2024-01-26 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: TX

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 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ) ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2024-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Transworld Systems Inc is trying to collect a debt from XXXX XXXX  which is not mine and was opened fraudulently in my name. The amount is {$1400.00}. The XXXX account was opened in AZ using a false address. I have never lived in AZ and I have never had an account with XXXX XXXX in my life. This collection account is now showing up on both XXXX and XXXX. I have filed disputes with both agencies. I have submitted an affidavit to Transworld as a result of the disputes as well as copies of the both the police reports and the Federal Fraud reports to Transworld. They continue to tell report to XXXX and XXXX that the account is valid and they have validated all information. 

I have disputed with XXXX and XXXX on XXXX, then again with both on XXXX after they were denied. XXXX has updated my XXXX score, but not removed the collection. XXXX has not updated my XXXX OR removed the collection. 

My disputes of the incorrect addresses on my personal information were both accepted and the addresses have been removed, but the collections remain. 

Transworld Account is XXXX  and their phone number is ( XXXX ) XXXX I have refused to call Transworld. They do not have my correct phone number ( since it was opened fraudulently ), and I do not wish to start getting calls from them. 

I want Transworld to remove this debt and and I want it removed from my credit reporting. It is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-26 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: CO

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.

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. 1681s-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 2024-01-26 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: NJ

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. 

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. 1681s-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 2024-01-26 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: TX

Complaint narrative:
Credit Karma, on around XX/XX/year>, dropped my credit score XXXX points, all my accounts are current, and have always been current threw the life of my credit reported. 
I received credit card offers, loan offers, card loans offers, from Credit Card Karma weekly. 
I strongly believe this company is lowering my credit score, for I will be forced to go to one of there partners, to obtain a high interest personal loan to pay down on my little total credit debts of under {$5000.00}, This is a fraudulent direct abuse of credit reporting power.. 
My next step is Texas Attorney General, to file formal complaint

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 2024-01-26 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
As stated in my last correspondence, XXXX XXXX XXXX has obtained this account as a result of material misrepresentation, fraud, & Identity Theft pursuant to 15 USC 1681 a ( q ) ( 3 ) and IC 35-43-5-3.5 & IC 35-38-1-2.5. 
Synchrony Bank did not legally obtain my consent to sale, transfer, assign, or disclose any non-public personal information pertaining to this account with XXXX XXXX XXXX or any other third part as regulated by 15 U.S. Code 6802 of the GLBA. Additionally, Synchrony Bank failed to provide the consumer with FULL disclosure at the initial signing. Failure to provide FULL disclosure of material information that is known to be relied upon by the consumer is misleading, an unfair method of competition, and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the 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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
Dear CFPB, - My name is XXXX XXXX XXXX. I have a hard inquiry on my XXXX  credit report from XX/XX/XXXX. Its a fraudulent inquiry. I did not authorize this to show up on my credit report and did not apply for a cfna account. On XX/XX/XXXX I called XXXX and spoke to XXXX. XXXX cancled the application and submitted a request to remove the inquiry from my credit reports. After waiting over 3 months, the inquiry is still on my credit report. I have made multiple attempts to dispute this with XXXX and they are refusing to delete this from my credit report.They told me its off of my report and sent me a credit report that shows the inquiry is still on there. Please assist me with getting this hard inquiry removed from my XXXX  credit report. I also have the same XXXX hard inquiry on my equifax report from XX/XX/XXXX. Equifax has promised to remove the inquiry multiple times. They have already confirmed they recieve the request and its still on my credit report. 

- I already filed a complaint with the cfpb against equifax on XXXX. Both credit agencies responded to the cfpb that the inquiries from XXXX have been removed. I checked my credit report in XXXX and found the XXXX inquiry is still showing on equifax and XXXX. Furthermore, I order my credit report with equifax on XXXX  XXXX XXXX  and its still showing on there as well. I've attached a screenshot of both reports showing the inquiry. Both of these reports are my most recent report. I'd like these to be removed. Thank you for your help. 

Best regards, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: TN

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Activity on my account that was NOT me... Chace headquarters XXXX ext XXXX told me when I closed the account that she would investigate my account and tell me where my money went and who is transferring it out ... XXXX week later I called her back and she said " she's still investigating... XXXX days later I call again and she said " she was on vacation and she is investigating it and will call me back that afternoon!! She has NEVER called me back, help me in any way... .she makes me feel like I'm a no body and my case isn't worth looking into ... .although she said that she still investigating XXXX weeks later!! ! She has definitely changed my mind on getting another account here at chace... I WILL NEVER have another chace account again ... .call me for more details and proof of this complaint ... thank you XXXX XXXX XXXX or XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XX/XX/XXXX I had a dental apt . for XXXX XXXX, I had informed them that XXXX XXXX would pay {$1000.00}. Upon reaching the Office, I reminded them again, upon seeing the dentist, I told him of the price, he laugh. after the exam, he put a hand on mine saying, you will have Cancer, if you don't change the metallic one in your mouth. with much convivences, I agreed, the prices and products were shown to me, from {$3700.00} - $ XXXXup. I choose {$3700.00}. I started calling my Bank for a Loan, but with his hand on mine he said their Interest will be high. And I have a Credit Card Co. that will charge much less. so they got the forms and I filled them out, and left with the papers, I received a call on their phone, confirming my information. XX/XX/XXXX I got the EOB from my Ins. it said i had gone on XX/XX/XXXX and XX/XX/XXXX. Making it {$3000.00}. 
I called the dentist and informed that he lied and I am canceliering the order, XX/XX/XXXX? XXXX, I requested a Dispute, XXXX XXXX 1st Bill came, I informed Synchrony Bk & CareCredit, that they are demanding their {$3700.00}. I said its a Scamming system, I did not get the item, they call & leave messages 38 times and about 20 on my cell, day and night. I spoke with a friend who said he had done it to her and she had to pay the {$4000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-26 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: ID

Complaint narrative:
Dear CFPB, - My name is XXXX XXXX XXXX. I have a hard inquiry on my transunion credit report from XX/XX/XXXX. Its a fraudulent inquiry. I did not authorize this to show up on my credit report and did not apply for a cfna account. On XX/XX/XXXX I called XXXX and spoke to XXXX. XXXX cancled the application and submitted a request to remove the inquiry from my credit reports. After waiting over 3 months, the inquiry is still on my credit report. I have made multiple attempts to dispute this with Transunion and they are refusing to delete this from my credit report.They told me its off of my report and sent me a credit report that shows the inquiry is still on there. Please assist me with getting this hard inquiry removed from my transunion credit report. I also have the same XXXX hard inquiry on my XXXX report from XX/XX/XXXX. XXXX has promised to remove the inquiry multiple times. They have already confirmed they recieve the request and its still on my credit report. 

- I already filed a complaint with the cfpb against XXXX on transunion. Both credit agencies responded to the cfpb that the inquiries from XXXX have been removed. I checked my credit report in XXXX  and found the XXXX inquiry is still showing on XXXX and transunion. Furthermore, I order my credit report with XXXX on anual credit report and its still showing on there as well. I've attached a screenshot of both reports showing the inquiry. Both of these reports are my most recent report. I'd like these to be removed. Thank you for your help. 

Best regards, 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 2024-01-26 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: IL

Complaint narrative:
There has been constant fraudulent activity from an internal source working at this company that keeps putting fraudulent and personally identifying information on my fraud alerts and my credit report that no credit bureau discloses, that I never gave to them or admitted to, each dispute proves the fraud to be untrue and 3 months later it shows back up on my report. I've had fraud alerts and even a locked report via paid services with this bureau, and that has only proven to be false advertising and yet again, fraud! I've demanded internal investigation into who these employees are that keep targeting me specifically by illegally altering my report and putting information on it that keeps me a victim of id theft even w/ their paid products. I've mailed & faxed in the police report that started this gradual descent into peonage and this bureau fails at what it claims to stand for. This is corporate bullying at best and needs to be exposed as such along w/ a full federal investigation & audit.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I found inquiries that dont belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: TX

Complaint narrative:
I am urgently appealing to you to swiftly eliminate the unauthorized ACCOUNTS from my credit report since I did not provide authorization for them, and they are causing me considerable distress. I implore you to rectify this error promptly.

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 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Hello, I reporting Bank of Americas unwillingness to refund a fee. I was assessed a $ XXXX  Monthly Maintenance Fee on XX/XX/24 due to the time timeframe of my banking billing cycle and employers direct deposit not having correlating schedules. After exhausting all levels of communication regarding this issue, no progress could be made on a resolution. Its was stated that because the fee wasnt a bank error that it could not be refunded. 

I took time to understand how the fee was assessed and make the appropriate actions to avoid future scenarios. It is very disappointing that the bank is willing to understand the customers perspective and uphold the value of their customers assets with their company.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had 2 credit cards through XXXX XXXX XXXX, when I opened the account I had purchased disability insurance that would cover me in an event of illness. I eventually XXXX XXXX  and was put on XXXX. I contacted them for the insurance assistance to pay the minimum balance as I waited for my XXXX XXXX XXXXXXXX payment to begin. I spoke with someone to start the claim. They were sending paperwork which I never received. I call back and they now dont see it on my account but it showed on my online statement. Somehow I now show 3 credit cards with them and I only had 2. They locked me out of my payment portal and will not assist me. They have sold 3 accts to a bill collector when there was only 2 accounts. They are being deceptive and I feel like they opened a new acct trying to transfer the balance to not show the disability insurance in which I paid for monthly.

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