vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
The rep from Care Credit that I spoke with before signing the agreement told me that the 24 month interest free promotion minimum premium would be less that {$70.00} per month for 24 months and as long as I paid the full {$7000.00} loan within the 24 months, no interest would be charged. XXXX, the manager advised me today that he was sorry that I got wrong information from his rep, but the min monthly payment is {$220.00} ( not under $ 70 monthly ) and there is nothing he can do about it. They record all calls at Care Credit, so I asked XXXX to review my original call with his rep and he advised me that it wouldnt make any difference, that my minimum monthly payment is {$220.00}. This is not what I was told I was getting.

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 2023-09-13 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-13 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: TN

Complaint narrative:
In XX/XX/2023 I obtained my balance amount for pay off on an " Avant '' credit card. I paid that amount immediately, & was then charged an additional {$40.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: NV

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: NV

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-09-13 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I deposited XXXX checks from my employer on XX/XX/23 XXXX for XXXX and the other for XXXX into my Chase checking account. I was told by Chase that my checks need to be verified before I can use them. A few days after I tried to deposit money into my Chase account but I was unable to. I called Chase to understand the problem, Chase informed me that my checks could not be verified and Chase believes my checks are fraudulent. They restricted my account and I was not allowed to use it at all. I called several times to see how to fix the situation, I was told that since their system could not verify my check, my account will be restricted and unable to use, until verified. I asked Chase how can I assist with verification, so we can rectify the situation promptly. Chase informed me that their company only has one way to verify a check and since that one way was unable to verify my check, my account account will continue to be restricted for use. Finally after waiting, the checks have cleared and the amount is posted to my account on XX/XX/23. However I tried to use my debit card that day and was unsuccessful. When I called to ask the reason, Chase said that even though the checks have cleared we can not verify the checks and your account will remain restricted for use. This whole situation is unjust and Chase has not handled the situation properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I admit I was late 4x in 2023 they have me late 5x and my balance of {$660.00} was fully paid on XX/XX/2023 the card is locked they won't let me reuse it but they still want to report to my credit bureau I wrote to them on email that I don't want there services to close my account and stop reporting mis I formation to my credit report agency they don't respond..and other issue is they are reporting a duplicate account of the same but instead of a {$0.00} balance again they claim a balance of {$660.00} and are marking me late again I only had 1 account with them and I paid it all. now instead of me having 4 latest I'm being reported wrong Information 5 latest on 1 account t and 6 latest on the other account its hurting my credit and credit report they have no active number only XXXX they don't have representatives only to write emails I have no issue with XXXX XXXX XXXX its just transunion and they have verified that XXXX  is reporting 2x that a fraud account if that's tru and I should have the right to officially close that account which I have requested and they don't want to honor also the account that has a XXXX balance states my last payment was XX/XX/2023 that's also wrong my last full payment to bring balance to XXXX was done on XX/XX/2023 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: FL

Complaint narrative:
I was never late on this account. 
XXXX These account era incorrect and not are mine XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 945k purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
On XX/XX/2023 I made a purchase of {$9400.00} on my credit card. I read about a repayment plan that allowed me spread large payments up to 24 months with no interest. Once Id made the charge though they told me the repayment plan is actually only up to 3 months. I spoke with American Express customer service on XX/XX/2023 at approximately XXXX. They told me that offer had changed and that no one could manually update it. They then tried to convince me to pay off the charge with my monthly APR and just told me no one has no control over the repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-09-13 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: NC

Complaint narrative:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: NJ

Complaint narrative:
Negative information is damaging my credit score. I request a full investigation of the facts. It is illegal companies decrease their tax burden while increasing mine. Would you want someone to do that to you? Inaccurate info. Account written off/accepted by 3rd party. Per FCRA and 15 USC 1681-1681x, law states listing inaccurate and information is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-09-13 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: FL

Complaint narrative:
Since XX/XX/XXXX. I have sent almost 7 Complaints ( disputes ) as they identify them with calls from insurance companies and emails to fix the dispute but promises without action. 
My name and my nephew have the same first and last name but different Middle names, Dates of birth, SS #, Driver 's licenses, etc... 
my nephew had 2 car accidents. XXXX in XXXX and XXXX in XXXX. 
They have added those 2 claims ( accident ) to my personal report. 
I have stated that the information is incorrect information on my report. they claim it on the insurance companies who reported the claims. I followed up with the insurance companies who sent them email after email and explained in detail the confusion between the names but without any action from the credit report company. 
The main problem is that they don't respect the time. They make you wait to answer the dispute for almost 35 days. That is in total 8 months now without any results. 
I am a XXXX person and really don't have the time to wait for half an hour every time you call them for a security check with operators from foreign countries and don't know what are they doing??? it is really petty to see such a company handle credit reports for millions of people with such responses ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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 sent a dispute letter for a allege debt of {$920.00} to debt collector XXXX XXXX  on XX/XX/2023. They receive the dispute letter on XX/XX/2023, after receiving my letter they did not update the unknown account was being disputed within 5 business days per. 15 U.S. Code 1692g ( a ). Within in the 30 days for them conduct an investigation and they did not send me validation of the allege debt. I sent a fallow up letter on XX/XX/2023 they received the letter on XX/XX/2023, informing them they have failed to provide proof of validation within the allowed time that is governed by law to conduct an investigation and failed to provide the notice of disputed within the 5 days of receiving my letter. I requested them to cease communication and remove the erroneous account because failed to be in compliance with the law. I received a letter from XXXX XXXX  on XX/XX/2023 that showed the allege debt amount {$920.00} and this is different from the amount that they are reporting I allege owe. This is a violation of XXXX5 US Code 1692e ( 2 ) I sent a letter in detail to three major credit reporting agencies ( XXXX, XXXX, Experian ) of the violations Pro Collect conducted and requested the three major credit reporting agencies, XXXX, XXXX, Experian to remove the account as well send me a copy of the investigation they conducted. I never received a copy of the investigation that was conducted. the erroneous account is still continuing to be reported on my consumer 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 2023-09-13 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation