vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: FL

Complaint narrative:
I ensure that my payments are always made on time. However, I find it perplexing that this company occasionally reports me as late in certain months, which is not accurate. As per USC 1666b, any billing errors should be rectified promptly and reflected 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 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank Verizon Visa Card. Starting in XX/XX/year> Synchrony Bank will start charging a monthly {$1.00} fee to receive a paper bill in the mail. Contacted Synchrony customer service and the management via phone on XXXX to complain about the fee. They state there is nothing they can do to stop the new fee. I did not agree to any new Terms & Conditions, but they do not care. This new fee and change is an unfair business practice and a terrible way to treat a customer that ALWAYS pays the bill on time and the account remains in good standing. 

Additionally, I reported this new fee directly to Verizon to ensure they know how Synchrony Bank is now charging additional junk fees. I requested Verizon re-evaluate their relationship with Synchrony Bank the Verizon Visa card issuer. It is in the best interest of the customer that Verizon knows how their customer is being treated by Synchrony Bank.

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 2024-05-28 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED Kindly expunge these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2024-05-28 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: U.S. BANCORP
State: MA

Complaint narrative:
From XX/XX/2024 to XX/XX/2024 I have XXXX inquiries on my credit report that were not made by me. They are through XXXX XXXX XXXX, XXXX with XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Not one of these was done by me. These inquiries need to be reported as fraud and they absolutely can not be accepted. DO NOT approve any of these inquiries and report them as 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 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: NY

Complaint narrative:
To whom it may concern, I had a XXXX card which i had closed in XXXX. They had agreed to remove this account from my credit reporting profile as long as I paid in full which i did. For some reason they never did this. I recently tried to call in XX/XX/XXXX they said they would remove it and stilll have not done so.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern, I had a XXXX card which i had closed in XXXX. They had agreed to remove this account from my credit reporting profile as long as I paid in full which i did. For some reason they never did this. I recently tried to call in XX/XX/XXXX they said they would remove it and stilll have not done so.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have received notifications in the past in regards to possible theft and identify breaches. I also was charged overdraft protections on my accounts and I believe that they owe me money in regards. I am no longer a customer but I did suffer through the identify theft breaches and overdrafts during my years of banking with the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: MA

Complaint narrative:
From XX/XX/year> to XX/XX/year> I have 7 inquiries on my credit report not made by me. They are with the companies XXXX XXXX XXXX, XXXX with XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB Card. None of these were made by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: MA

Complaint narrative:
From XX/XX/24 to XX/XX/24 I have 7 inquiries on my credit report not made by me. They are with the companies XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, TD Bank, and XXXX Card. None of these were made by me.

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: NY

Complaint narrative:
XXXX XXXXXXXX XXXX Account number XXXX Notice to agent is notice to principal notice to principal is notice to agent. 
Experian, XXXX you reported alleged transaction that you identified as late is validated. You have no proof that this alleged transaction was late. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

20 15 USC 1637 ( b ) is very specific on all required information need or that must be mailed or delivered to the consumer

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 2024-05-28 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: FL

Complaint narrative:
Get rid of these inquiries, as I have no information about them and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: TX

Complaint narrative:
I have on numerous accounts attempted to correct a typo that has been created by an agency. They have the incorrect social security number that has now been placed as mine and causes rejection as well as hindrance and sometimes even suspicion flags when being pulled. This has been an issue for years and I am told the only way is to send the original documents which I simply refuse to do. I am now reaching out to this service to seek help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: TX

Complaint narrative:
I have on numerous accounts attempted to correct a typo that has been created by an agency. They have the incorrect social security number that has now been placed as mine and causes rejection as well as hindrance and sometimes even suspicion flags when being pulled. This has been an issue for years and I am told the only way is to send the original documents which I simply refuse to do. I am now reaching out to this service to seek help.

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 2024-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VIRTUOSO SOURCING GROUP, LLC.
State: NC

Complaint narrative:
The business is XXXX XXXX XXXX. I requested and received the amount I paid XX/XX/XXXX for 1 year of home security monitoring which was {$200.00}. In XX/XX/XXXX, I informed XXXX that I would not renew home security monitoring for another year or moving forward. The company still sent me a bill for {$95.00}. I called XXXX on multiple dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to inform the company that I would not pay the bill for {$95.00} for service that I did not renew. 

XXXX filed the balance with a collection agency, Virtuoso Sourcing Group. Upon receiving the collection notice, I contacted XXXX on XX/XX/XXXX to informed the company that I cancelled the service and would not be paying the {$95.00} they claim I owe. XXXX threatened me that if I didn't pay the {$95.00} that it would affect my credit score and ruin my credit. 

After the threat from XXXX, I informed XXXX, a supervisor, that I would file a complaint with the CFPB against XXXX for fraudulent billing, harassment, threats, extortion and malicious conduct, and if needed, file a lawsuit.

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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urgently implore you to promptly remove the unauthorized accounts from my credit report, as they were not authorized by me and are causing me significant distress. Please address this error without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: GA

Complaint narrative:
Remove these inquiries, please. I have no knowledge of this, and the company proceeded without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate & REMOVE these Fraudualent Accounts : 1 ) 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 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 XXXX XXXX XXXX XXXX XXXX In addition to, the Credit Agencies stated everything was complete, accurate XXXX and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile.

The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX | XX/XX/1996 To whom it may concern : This letter is to inform you that I am disputing your companys references on my credit report because of the lack of accuracy. 

I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you investigate as outlined in the FCRA Section 623 for the inaccuracy on the account, XXXX Account number XXXX If you are unable to perform a reasonable investigation, or you are unable to locate the necessary documents to investigate my dispute ; then you are required by the FCRA to remove the negative information from my Transunion credit report. 

If you were able to conduct a proper investigation of the records for this account and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

All correspondence should be sent to my attention at the above address. 

Thank you, 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 2024-05-28 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Account XXXX Notice to agent is notice to principal notice to principal is notice to agent. 


15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

I pulled my Consumer reports from Experian and I notice you have furnished an account there as a charge off XXXX XXXX  XXXX XXXX. 

An account can not be a charge off and a collection at the same time! A charge off is a cancelled debt where a form XXXX must be issued to the consumer! How can you collect on a canceled debt? 
The collection on a cancelled debt that has been charge off constitutes tax fraud and the matter will be reported to the IRS! I will be filing a XXXX XXXX XXXX off definition : Charge-off. Write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the XXXX to remove debt from XXXX XXXX , however, future payments may be received. 

Write off : a write-off of debt is cancellation of a debt in the account books of a creditor. When a creditor writes off a debt and charges the debtor on the extra amount after the written off debt, it can be taken as evidence that the debtor is XXXX from that written off debt. 


cancellation of a debt : https : //www.experian.com/blogs/ask-experian/what-happens-with-canceled-debt/ How Does Canceled Debt Affect Taxes? 
The IRS considers most forms of forgiven, canceled or settled debt as income for tax purposes. If the amount of your canceled debt is more than {$600.00} and it's considered taxable, the lender is required to send you a XXXX form, which includes the cancelled amount that you'll need to 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 2024-05-28 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Name and addresses on my account that doesn't belong.

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 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Respect Mrs XXXX 

I live in XXXX Florida and I want to file a complaint against Fifth Third bank located in XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 


On XX/XX/XXXX of this year, I approached my daughter personally to open a checking account in fifth third bank located in XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX A person we knew had told us that the bank gave XXXX dollars to open an account. 

The girl who helped us told us that we did have a reward of XXXX dollars if we obtained a direct deposit of XXXX dollars within 90 days after opening the account We ( my daughter and I ) told her that we wanted to open the account with that offer ( XXXX dollars in direct deposit ). 

The girl tells us that yes you can and that we will receive a message with a code to our email, we show that message to her so that she can enter the offer code. 

My daughter received the message with the correct offer code, but the code that I received was incorrect but she did not realize it and told us that everything was fine. 
My daughter received her reward when she had the {$500.00} direct deposit into her account. 
For several weeks I have had the XXXX dollars of direct deposit in my account but they do not give me the reward because the code that arrived was wrong and it says that it should be 2000 dollars of direct deposit, That was not the offer we told her. 

I requested correction of this error from the bank and after much insistence with calls, emails and physical visits to the bank branch where I opened the account, they told me that they can not correct because my offer arrived in my email and said 2000 dollars, but in At that moment I showed the email to the girl at the bank and she took the code but did not check and said that it had already been applied and that when I had the XXXX dollars I would receive the reward. 

I do not agree with this response because it was not my mistake, I trusted that the process she was doing was right. and what I want is for the bank to correct its mistake and honor its offer at that time. 

I thank you for helping me recover my {$320.00} reward with a direct deposit of {$500.00} in 90 days as requested at the time of account opening. 

I attach a screenshot of the message sent to my daughter and mine since they are similar and lend themselves to confusion. 

I attach a screenshot of the message sent to my daughter and mine since they are similar and lend themselves to confusion. 

I attach evidence of the emails that we received and emails sent to the girls that opened the account in the bank and your answer. 
I attach evidence of the different emails I sent requesting the correction of the error and the response from the girl at the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not liable for this depth with XXXX XXXX XXXX. I do not have any account with XXXX XXXX, the collection agency that is trying to collect on this debt. I have never entered into any contract or done any business with XXXX XXXX. 
Account # 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