vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: PA

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. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: TN

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : FCRA Violations Regarding Charge-Off Reporting Dear Experian Team, Continued reporting of charge-offs that have been reported to the IRS as income via 1099-C violates the following laws and cases : 15 U.S.C. 1681i ( a ) : Right to dispute inaccurate or unverifiable information.

15 U.S.C. 1681s-2 ( b ) : Furnishers must ensure accuracy. 

XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX ( XXXX ) : Information must be accurate and complete. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Inaccurate reporting harms consumers. 

Once a debt has been reported to the IRS as income using Form 1099-C, it is effectively canceled. Reporting it as a charge-off while treating it as income constitutes inaccurate and misleading reporting under the FCRA. 

Please investigate and remove these inaccurate charge-off ( s ) reporting immediately. 


1. Account info Account name XXXX XXXX  Account number XXXX  Account type Business Responsibility Co-signer Date opened XX/XX/XXXX Status Petition for XXXX XXXX XXXX. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$35000.00} Highest balance Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Business Responsibility Co-signer Date opened XX/XX/XXXX Status Petition for XXXX XXXX  XXXX. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$46000.00} Highest balance - Terms 60 Months On record until XX/XX/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 explanation
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon inspecting my credit report, I identified accounts that seem to have been added fraudulently. I urge you to remove them from my report 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 2024-12-17 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: NY

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-17 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: MS

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXXXXXX 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 an 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 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 2024-12-17 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: MS

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # 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 an 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 explanation
Consumer complaint received 2024-12-17 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:
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 2024-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
According to New York State law consumer credit transactions will be commenced within three years. I have debt collection longer than 3 years and I live in New York State.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: IL

Complaint narrative:
In XXXX I requested a lower payment amount in so that I would not become delinquent in my payments. I have had a perfect repayment history for over 10 years.

I verified with the Agent I spoke to that my credit would not be impacted.

They lied.

The company showed dual reporting on my credit report. " Paid as Agreed '' but 30 and 60 days late in the detailed reporting.

The impact to my score has had major negative and domino impacts.

I was unaware of the delinquent reporting when I purchased my car and qualified only for a double digit interest rate.

Other Creditors have lowered my credit limits which lowered my utilization, which lowered my score even more.

Mind you I have never been 30 days late with any of the payments.

I called the company and was told it would take 90 days to correct. They would not give me a letter to dispute on my end. As of today 2 of the 3 bureaus are still showing the delinquent reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: LA

Complaint narrative:
The money was supposed to reach my receiver by XX/XX/2024. Yet, at the time of filing this complaint, i.e., XXXX, XX/XX/2024, the money has not reached its destination. When the company ( Western Union ) was contacted, its customer service associate was also clueless. Yet, my bank account shows that the amount has been debited from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: OH

Complaint narrative:
I have an email I saved on my phone from Kickoff dated for XXXX XXXX that I successfully closed my account. They assigned an Agreement number : XXXX and stated that KICKOFF has XXXX  out any remaining balance. It read I owed no payments.Lastly, it reported that my account would be reported as closed and to date it has not. It is showing on my XXXX and XXXX as open. It is needing corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: Complete Credit Solutions, Inc.
State: CA

Complaint narrative:
Account Name : COMPLETE CREDIT SOLUTI ( Original Creditor : XXXX  ) Account Number : XXXX Reason : Unverified account

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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my latest credit report, I discovered several accounts that appear fraudulent and were added without my authorization. I request their immediate removal from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/year>, My credit card was cut off and unusable for any purchases. I called into Ally financial to discuss some charges on my credit card, and the employee asked if I wanted to cancel the card and I specifically requested to not cancel the credit card at that time. Later, I called into Ally financial to speak with someone regarding the charges on my credit card to discuss further, when I was advised that the credit card was closed off. The credit card was closed off without my authorization. It has been several weeks since this period of time and I have yet to hear any further information on the credit card issues and or any resolutions. Lastly, I continue to be without a credit card and I have not received any communication from Ally Financial regarding the credit card, or the situation pertaining to with my card being cancelled.

This issue is a clear form of XXXX, this is negligent professional activity.

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 2024-12-17 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: MO

Complaint narrative:
There are several errors on my credit report regarding late payments. These inaccuracies do not match my payment track record. I request that you fix them and update my account.

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 2024-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally notify you of recent telecommunications harassment I have experienced from Synchrony Bank in relation to debt collection efforts. Between XX/XX/XXXX, and XX/XX/XXXX, I received a total of eight phone calls, including voicemails, in attempts to collect a debt.

Although I am currently enrolled in a Customer Assistance Plan with Synchrony Bank due to ongoing financial difficulties, the frequency and persistence of these calls are both inappropriate and distressing. Under the Fair Debt Collection Practices Act ( FDCPA ), as outlined by the Consumer Financial Protection Bureau, debt collectors are prohibited from contacting a debtor more than seven
times within a seven-day period.

Given that I have received more than the permissible number of calls during this time, I believe Synchrony Bank is in violation of these regulations. As a result, I have submitted a formal complaint to the Consumer Financial Protection Bureau regarding this pattern of telecommunications harassment.

Due to the distress caused by this excessive communication, I respectfully request that Synchrony Bank take immediate action to resolve my debt. I am requesting that they cease these excessive communications and address my request for cancellation of debt promptly.

I would also like to file the complaint that Synchrony Bank has blocked my account from being logged into, in order to make a payment for several months now. Images of phone calls, voicemails and the message when attempting to login to my Synchrony Bank account will be attached to this complaint.

As I am unable to login to my Synchrony Bank account, I do not have a way to contact Synchrony Bank regarding emailing them about this issue as I want it documented in writing.

While I appreciate Synchrony Bank providing an alternate payment plan for individuals going through financial crisis, I do not appreciate harassing behavior.

Information for my Synchrony account is as following : Name : XXXX XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Phone Number : XXXX Type of Credit : CareCredit Approximate date of Customer Assistance Plan enrollment : XX/XX/XXXX For further correspondence, I can be reached via email at XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, 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 2024-12-17 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: CA

Complaint narrative:
Transunion is not following the laws and removing this fraudulently open XXXX Account off my credit report!!! I asked them to look. For the original fraud address were this account was open please remove this fraud account off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
My credit report contains unauthorized inquiries that violate 15 USC 1681c-2. These errors are impacting my credit, and I request immediate removal of all such inquiries. Thank you.

Company response to consumer: Closed with non-monetary relief