vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XXXX my credit was ran by these 4 companies without my permission. According to Law FCRA SECTION 605B This Is Illegal. I would like these removed from my credit report immediately.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX First National Bank of Omaha XXXX XXXX is fraudently reporting incorrect information on all 3 of my credit reports. Secondly, XXXX XXXX XXXXXXXX sent me to court for this debt and in court it was agreed to a settlement offer of XXXX, on which I had already paid XXXX dollars. Well, upon me paying XXXX plus the XXXX dollars I had already paid, that left me with a balance of XXXX. I reached out to XXXXXXXX XXXX XXXXXXXX, as well as XXXX XXXX to finalize the debt of XXXX dollars, and both companies refused the money. It was refused because they kept insisting that I owed XXXX more dollars, and I knew I did not. That was not the agreement in court and XXXX XXXX and XXXX XXXX XXXX are trying to strong arm people into paying something totally different. I tried to resolve it, but greed is wh at has us here today. I am not paying another dime for an account that not only First national bank of Omaha closed, but the judge gave a direct order as to how much should be paid. XXXX is a long way from XXXX dollars. I'm also disputing this account because the date opened was XX/XX/XXXX and not XX/XX/XXXX. The date reported XXXX XX/XX/XXXX is also not correct. XXXX XXXX and its entities, are practicing and reporting fraudulent information on my credit reports. Not only is the date opened wrong, but their is no balance. I really would like to know why an account opened in XXXX, is still reporting every month on my credit report as up to date. 
At this point, since absolute resolutions refused payment to resolve this account when I offered, I owe you NOTHING. I have paid all I'm going to pay, this account is too old and XXXX XXXX is still reporting it incorrectly after Ive sent documents and disputed this account. I'm asking that this account be deleted from my credit reports for unfair practices from XXXX XXXX XXXX XXXX XXXX  and first national bank of Omaha.

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 2024-05-29 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: IL

Complaint narrative:
FCRA 605B requires the deletion of any incorrect accounts from my credit report. These accounts have been inaccurately reported. I should be awarded {$1000.00} for each false entry on my credit 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 non-monetary relief
Consumer complaint received 2024-05-29 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX of XXXX TN, Account # XXXX has violated my rights. 

I looked at my Experian credit report on XXXX, XXXX and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 1i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed not to 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 explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX it may concern I have these closed accounts with JPMCB CARD SERVICES Closed on XX/XX/XXXX & JPMCB CARD SERVICES Closed on XX/XX/XXXX. JPMCB agreed to remove these off my credit report if I paid in full which I did. They had promised to remove from my closed accounts and would no longer report to transunion, XXXX and XXXX or any other credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-05-29 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: NC

Complaint narrative:
I am a victim of identity theft i have sent several notices to the credit company 's and i have yet to get anything deleted this is hindering me from obtaining 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 non-monetary relief
Consumer complaint received 2024-05-29 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-05-29 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: WA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
After obtaining my consumer report off of annualcreditreport.com. I noticed some information that was inaccurate. I will attach a dispute letter that includes the information that needs to be corrected.

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 2024-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year> I received an email from XXXX that my Rooms-to-go account with Synchrony Bank had been closed . When I contacted Synchrony they said the account was closed because they have checked my credit and the credit usage for the account was too high. 
My original credit line was {$5000.00}. On XX/XX/year> my balance was {$1900.00}, and without communicating me, Sychrony Bank have decreased my credit line to {$2000.00} - causing my credit score to drop XXXX points and increasing my credit usage to 86 %. 
My complaints are as follows : 1- Synchrony Bank never informed me why they decreased my credit line considering I was making substantial payments.

2- Synchrony Bank never informed me that they were going to check my credit prior to deciding on closing the account.

3- Synchrony Bank never sent me a letter or left me a voicemail proposing a resolution prior to closing my account. 
As a result of their actions, my credit score has been highly impacted going from XXXX ( verified with XXXX on XX/XX/year> ) to XXXX ( today ). As a consumer, it's frustrating ( to say the least ) that an institution would offer you credit, only to play with it when it's convenient. I made my payments to Synchrony Bank on time, and paid more than the minimum. I had another account with them in the past, to which I paid off, and they never closed that. 
This action shows lack of transparency, and bad business practices.

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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I consistently make payments punctually. I'm confident about this. However, what puzzles me is why this particular company occasionally reports me as late in some months, which shouldn't happen. According to USC 1666b, any billing discrepancy should be rectified promptly and reflected accurately as paid as agreed.

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 2024-05-29 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: IL

Complaint narrative:
According to FCRA 605B, we must eliminate any incorrect accounts from my credit report. These accounts contain reporting errors. I should be compensated {$1000.00} for every inaccurate report on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: DC

Complaint narrative:
ON XX/XX/2024 I RECEIVED A REQUEST FROM SOMEONE I DO NOT KNOW FROM THE CHIME APP. IT SAID HIT THIS LINK TO ACCEPT OR DECLINE THIS REQUEST AND THEN MY DIRECT DEPOISIT FROM MY JOB WAS TAKEN XXXX DOLARS. WHICH LEFT ME WITH XXXX DOLLARS. CHIME STATED MY HISTORY SHOWED I SENT MONEY TO THIS PERSON BEFORE WHICH IS NOT TRUE THE NAME DOES NOT BELONG IN MY CONTACTCS AND I DONT EVEN DONT KNOW THIS PERSON.YOUR HELP WOULD BE GRATELEY HELPFULL IT WAS A VERY ROUGH DAY WITH THIS EXP. I WAS GREIVING TH XXXX DEATH OF MY BROTHER WHO PASSED AWAY AND IT WAS HIS BIRTHDAY. THANK YOU SO MUCH FOR YOUR HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WA

Complaint narrative:
In XXXX XXXX, I noticed a collection account of my credit report from Jefferson Capital Systems. 

I never did business with this company and asked for proof they are legal owner of the alleged account. After waiting several weeks for their response, I have not received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: IL

Complaint narrative:
I received a letter from XXXX XXXX XXXX, XX/XX/year>, saying that the FRAUDULENT information is accurate being reported to the credit bureaus and left her phone number XXXX XXXX XXXX Ext XXXX. 

I have called her several times and left messages she has never returned any phone calls, XX/XX/XXXX, and XX/XX/XXXX. 

After explaining this to the Police trying to get a Police Report for what seems like identity theft, the Police said no this is inside the bank and a matter to be disputed because the bank is aware of the cards that have been replaced and sent to you if someone outside the bank is using your card then we can do a report for fraud. 

They said these are some shady people at the bank and if this is not corrected notify Consumer Financial Protection and the Attorney General and another financial regulator. 

US Bank sent me an envelope with 10 pages as if, I was receiving a credit card but no card was in the envelope. 

.

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 2024-05-29 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: TX

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. And upon looking at my credit report I noticed According to the FCRA a consumer reporting agency shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about who the credit report relates. And according to 15 USC 1681s-2, 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 the info is not accurate. ACCOUNT ( S ) : XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX and 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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently looked at my credit report and I noticed Experian you are reporting some late payments from XXXX XXXX that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. I have attached a copy of my identification and notorized letter. Account Name : XXXX XXXX Account Number : XXXX Dates reporting not accurate : XXXX, XXXX and XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT accurate.

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 2024-05-29 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: FC HoldCo LLC
State: VA

Complaint narrative:
I have over 20 inquiries none of which I made. I

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 2024-05-29 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I have over XXXX inquiries none of which I made. I

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I do not have an account with LVNV FUNDING LLC, the original debts were a secure credit cards and paid, yet they continue to put the debts on my credit report. They removed it when I submitted a complaint with CFPB before and then added it again. There are 3 accounts that they keep adding to my credit report one fore {$1100.00}, one for {$630.00} and one for {$460.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
On XX/XX/XXXX I received an email from Goldman Sachs/Marcus Bank stating that my statement delivery preference had been changed from electronic to paper mail. Since I did not initiate this change, I called the bank to inquire about what was going on, fearing that my account had been hacked. After verifying my identity with secret words, etc., the agent said she was sending a code by text. I never received the text, probably because I was in an airport with spotty cell receptions. The agent refused to re-send the code and said my account was being referred to another department ( security? ) and that they would call me in XXXX days. 

Since XX/XX/XXXX, online access to my account has been locked. I have not received a call from the bank. I have called them several times and have been told that they can not say what the problem is and I must wait for their call. On XX/XX/XXXX, the agent told me that my case would be expedited and I would hear from them within 3 days. As of today, XX/XX/XXXX, I have heard nothing and can not access my account or get any assistance from the agents who answer the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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:
I recently reviewed a copy of my credit reports, and noticed fraudulent accounts on them, Please remove these accounts from my credit reports, they are stopping my ability for me 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 non-monetary relief