vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 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: MI

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.

has violated my rights. Or a list of inquiries : 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 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 2024-03-31 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
This company made an unauthorized inquiry into my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
There is a charge that was posted to my account on or about XX/XX/2023 a charge by XXXX XXXX posted to my account in the amount of {$360.00}. This charge was not authorized by me. I did not give consent to make such a charge to my account. Furthermore, " XXXX XXXX '' did not provide me with any goods or services. I made 3 attempts to contact this merchant to resolve this issue, they never responded. I then disputed the charge with Synchrony. The dispute process resulted in no response by the merchant and Synchrony did not provide any documentation showing that the charge was authorized or valid. In fact, Synchrony did not respond with any information at all. 

Instead Synchrony proceed to put the charge back on my account, then make debt collection attempts and threats, charging interest, late fees and harassing me to pay a debt which i reported as fraud. 

I made a second dispute and brought to their attention that they are making demands for payment on a charge that has been reported to them as fraudulent. They reversed the charge, then refunded the account. They also issued a new card. However, they did not resolve the issue, they instead re-posted the fraudulent charge back to the card a couple months later. 

Like the first dispute, Synchrony did not provide any proof whatsoever that the charge is valid in any way, shape or form. They merely posted a charge which I have made absolutely clear to them, that " I DID NOT AUTHORIZED '' and secondly " NO SERVICES OR GOODS WERE PROVIDED TO ME ''. The charge is fraud and I am a victim which Synchrony has aided and abetted in taking from me. 

Under Threat, Duress and Protest i paid Synchrony because they have already demonstrated to me that they will cause harm to me and my credit if I did not pay them this fraudulent charge. Also they are on notice that I intent to report them to FTC and CFPB, which obviously they appear to not care about. 

Again : The Charge in the amount of {$360.00} is in dispute ; I declare said charge is fraud ; and said charge is without my consent for which I did not receive any goods or services. 

Bottom line, when a charge is reported as fraud, and the victim is telling you that no services or goods were provided and/or authorize said charge ; i believe that Synchrony as a fiduciary of a credit card account has a legal duty and obligation to go above and beyond to resolve this matter and not just carelessly continue to make payment demands and debt collection attempts on a charge that is in dispute and declared as fraud. 

[ Take Notice : upon request or should this proceed to litigation, i intend put this statement in affidavit form. ]

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 2024-03-31 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: TN

Complaint narrative:
I asked them to remove some personal information off my report. They removed some but some of the personal information is still not off. I also sent a letter in with my ID and SS card and some personal information is still not off like I requested. I have one name, one address, one ssn, I do not have a suffix on my name. XXXX XXXX XXXX XXXX is not correct. I want this personal information removed and updated. 


Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, Tn 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 2024-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
In XX/XX/year> and XX/XX/year>, I disputed the following authorized account Resurgent LVNV Funding : Resurgent LVNV Funding XXXX {$1100.00} I submitted an FTC Identity Theft Affidavit and request the following legal documentation from them : In accordance with 15 USC 1692G, I'm requesting debt validation on the above unauthorized account. I'm requesting the following documentation '' 1. A detailed list of history of payments made by me on this account.

2. A signature on the contract guaranteeing I would pay this creditor 3. Any insurance claims filed on this alleged debt 4. Proof that you have the chain of title to collect on this debt. 

Please note that simply sending a statement with my name and an amount on this does not legally bind me to this debt. If you can not provide all requested documents from the list above, delete this unauthorized account in 7 days or I will sue you for false reporting, deceptive and unethical practices, and willful noncompliance as described in 15 USC 1681N. 

As of today, XX/XX/XXXX, the only response I have received from Resurgent LVNV Funding is an statement with my name on it. That alone is not proof of a debt I owe them. They have purposely ignored my request and continue to publish this unauthorized account on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: GA

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. 





In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments 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 an 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 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 non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TN

Complaint narrative:
I have file a complaint with XXXX due to them not providing service to me. I filed 2 disputes with Cashapp about this. Cashapp keep telling me that the service was giving to me after I have uploaded documents showing them over and over again that I never got service from them. I made to purchase on XX/XX/year> both for XXXX each. I have even filed a complaint with you all about this. But it makes no sense that my card company doesnt even look at the documents I sent. I file a dispute and the next day its denied. This same company keeps trying to charge my card till this day after I have told them to cancel my account. Their other other people that has had the same problem with this same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: NV

Complaint narrative:
There is information that on my consumer report that are result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

delete inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
There are three problems : 1. Mohela messed up my employment history which is impacting my qualification for three payment programs I'm supposed to be on ( the income driven replayment plan and PSLF plan I've been on for almost 6 years, and the SAVE plan which I just applied for in fall XXXX  ). I've submitted the necessary paperwork - the employment verification form - each year. However, a recent document they sent me shows several incorrect fragmentations in my work history. The most recent inaccuracy shows that I stopped working for a qualifed public agency around XX/XX/2023. This is incorrect as I still work for the state. It is also driving up my monthly payment from {$180.00} to over {$1200.00}! 

2. I signed up for auto student loan payments on Mohela 's website in the amount of {$180.00} per month several months ago because they state they will provide a 0.25 % discount. In the first week of XXXX they did the auto pay for {$1400.00}! It cleared out half of my account. Thankfully my credit union recalled the charges. However, I when I notified Mohela they just sent me a message saying to call them. I believe this was essentially a fraudulent charge on my account and it is extremely alarming to me. 

3. Which brings me to my third complaint - Mohela is impossible to get on the phone. Why not at least provide helpful assistance via messages on their website?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: NY

Complaint narrative:
TRANSUNION, is reporting information on my consumer report that is illegal. XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX and XXXX XXXX accounts present on my consumer report are all companies that are federally obligated to cease furnishing of any information on me, XXXX XXXX, to any consumer reporting agency. ( I've attached proof below ) TRANSUNION must delete and update the referenced information to avoid breaking any federal laws and avoid being brought into arbitration proceedings. XXXX has 4 days of receipt of this complaint to comply. Also please update these incorrect names and Addresses : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NY 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 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX has violated my rights. 
15 U.S.C 161 section 602 A. States I have the rights 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 instructions

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 2024-03-31 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: GA

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments 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 an 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 any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: GA

Complaint narrative:
XXXX, XXXX, and Equifax are inaccurately reporting the account XXXX XXXX. The account has several inconsistencies that means this account could not have been verified or validated because it can not have different information for one account. 

High Balance : {$360.00} {$0.00} {$160.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Creditor Type : Bank Credit Cards Credit Card - Finance Company National Credit Card Companies Creditor Remarks Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor Charged o '' account Accounts closed by credit grantor Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Limit {$200.00} {$200.00} {$0.00} Furthermore any account charged off with a balance belongs to the consumer so this account can not report as a collection/charge off because anything over {$1.00} should be refunded to me. 

XXXX Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: GA

Complaint narrative:
XXXX, Experian, and XXXX are inaccurately reporting the account XXXX XXXX. The account has several inconsistencies that means this account could not have been verified or validated because it can not have different information for one account. 

High Balance : {$360.00} {$0.00} {$160.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Creditor Type : Bank Credit Cards Credit Card - Finance Company National Credit Card Companies Creditor Remarks Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor Charged o '' account Accounts closed by credit grantor Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Limit {$200.00} {$200.00} {$0.00} Furthermore any account charged off with a balance belongs to the consumer so this account can not report as a collection/charge off because anything over {$1.00} should be refunded to me. 

XXXX Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.

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 2024-03-31 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: NV

Complaint narrative:
There is information that on my consumer report that are result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

delete inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: GA

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments 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 an 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 any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: DC

Complaint narrative:
upon pulling my credit report I have notices that I.C System as reported a debt on my XXXX report dated on XX/XX/2020 in the amount of {$490.00} and XXXX report dated on XX/XX/2020 in the amount of {$490.00}. I'm unaware of this debt and did not receive proper notification. if you believe you have supplied me with the proper notification, please provide the Certified mail receipt with my signature.

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