vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-28 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I'm unable to obtain any finance products due to the fact I got to many hard inquiries I'm currently enrolled in college at the university XXXX XXXX I know a thing or two about credit building and how hard inquiries within a short amount of time will appear lenders ad if your desperate for credit by me knowing that I wouldn't go and apply for alot of accounts therefore there are some Inquiries that I don't recognize and was want them deleted from my report I feel like every American deserve to have good credit and I'm on my way to building my credit and paying my bills on time therefore please fix the inquiries on 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 2023-09-28 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXXrd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I need my funds to be available tomorrow not XX/XX/2023. The bank put a six days hold on my account for depositing my place of employment check. It was deposited on Saturday XX/XX/2023. I never had to wait six days for a check to be cashed. I have a negative balance in my account that needs to be satisfied and I have bills and children to feed. I need my money ASAP, like today I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a few inquiries on my report that are not even mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of Identity theft. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has fraudulent accounts on my profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citi bank is reporting fraudulent information to the credit bureau in the name of my business XXXX XXXX XXXX. I have an account with them never received the card as I was a victim of identity theft. I sent a police report by fax to them XX/XX/XXXX between XXXX. I never received a response by mail, phone or email. I called to find out that they deemed the account as not fraudulent. However they filed to do a physical as well as digital investigation. They didnt check or receive camera footage from the home depot locations that were visited fraudulently. Nor did they receive any signatures ink or electronic for professional handwriting analysis. They are solely going off stolen information/ ip addresses that can be duplicated by devices sold on XXXX XXXX My credit has suffered tremendously and its hindered my small business from being successful as it should. Which is causing me stress. I requested the evidence by mail phone or email of how theyve come to this conclusion. This has been an ongoing matter for months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have never dealt with such a disorganized and willfully ignorant organization. I previously put in COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 I have just got off the phone with XXXX XXXX who XXXX the same information but referred to an alert for my other credit card. I told her I had not attempted to use the card I was calling about. She admitted the mistake. Then she said I never called to alert them. I have all the call records of the dates I called and the Bank of America verification codes sent to my phone, that document IN FACT I called immediately after receiving the letter on XX/XX/XXXX at XXXXXXXX XXXX. She stated she would go over the recorded calls. This should have been done from the very beginning. I have no reason to pursue this other than being reciprocated for the time and effort I put in to rectify a problem they started. 

She said the alert was put on my card because I changed my address a few days after. IF they would have checked I have had an established address at the previous address plus the one I changed it to. NO ONE ever informed me why my account was put on alert in the first place. My bank account address is the same as the one I changed the shipping address to. This is incompetence on the highest levels and one that has wasted a lot of time and energy on my part. I am furious!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: CA

Complaint narrative:
Someone is fraudulently using my information in an attempt to open lines of credit. 

On XXXX I was alerted by XXXX that a hard inquiry was made on my account on XX/XX/ by JPMCB which resulted in a decrease in my credit score. I did not apply for any credit. I contacted XXXX and they put an additional level of alert on my credit file. 

On XX/XX/23, I was again alerted by XXXX of another hard inquiry on my account by JPMCB which again resulted in another decrease to my credit score. I DID NOT APPLY FOR ANY CREDIT from JPMCB. 

On XX/XX/ I contacted XXXX XXXX department to dispute the inquiries and have them removed from my report. I also placed a freeze on my report. XXXX also advised me to file a report with your agency. 

On XX/XX/ I contacted Security Verification at Chase Bank. They confirmed that someone applied online for a credit card using my information.The applications were denied and flagged as fraud. They agreed to have inquiries removed from my credit file, and to send me identity theft information in the mail. 

It is apparent to me that the online application was a result of credit card mail solicitation that was intercepted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: CA

Complaint narrative:
Back in XXXX of XXXX  I reviewed my Equifax credit report and noticed an account that did not belong to me. I began by contacting Equifax by phone with their fraud department to alert them of this incorrect information and that my social security number was compromised during a data breach. They proceeded with telling me i had to submit a letter and FTC report. I went on the FTC website and filed my fraud report. I sent my letter and this FTC report to Equifax on XX/XX/. Following my letter the fraudulent account was not removed and all they told me it was verified, but they did not supply any type of proof to support this claim. I called the creditor directly and they do not have my address or correct name so how is it that this account belong to me. I do not recognize it and it does not relate to any transactions i have made or authorized. Accourding to the FCRA laws : Misleading False Reporting : All of these accounts are negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ). FCRA 15 U.S.C 1681i calls for immediate removal of inaccurate accounts. FDCPA Section 807 Violation for Anonymous and Miscellaneous Reporting. Equifax is violating all of these laws and they should be held accountable for their inaccurate reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: IL

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 2023-09-28 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: NC

Complaint narrative:
It has come to my attention, that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has transfer an account to XXXX XXXX XXXX XXXX XXXX after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$350.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 

Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I purchased furniture from Ashley furniture store in XXXX of XXXX for {$4200.00}. The XXXX and XXXX at the time convinced me to purchase the furniture by taking out a line of credit with 0 % apr which was on promotion from Synchrony. I informed them several times I did not want a credit card, and was assured that this was not a credit card. I signed the paper work for this promotion, and a few weeks later I received a credit card in the mail... I was angry, but it was not worth fighting at the time, given it was still 0 % interest. 

2.5 years later, On XX/XX/XXXX, I looked at my account expecting to see that I owed less than {$1000.00}. What I found instead was that my balance was {$4000.00} with {$3100.00} payed in interest! According to them, they had deferred all my payments to interest and said that I was notified via my statements. For 2.5 years I payed my bill with autopay setup, which they apparently set for less money than what was required to meet their requirements for deferred interest. Its a scam, and they used deceitful and confusing tactics. The last 6 months I payed {$900.00} with XXXX going straight to interest! And I was unaware! 

My receipt first page states that I signed up for synchrony XXXX XXXX XXXX payments, which I assume mean XXXX XXXX XXXX  payments, however that is not what I got. My first few statements were steady, then drastically dropped off each month. Again, another tactic to make me miss the XXXX XXXX mark ( which I was unaware of ). On the second page of my receipt, the salesman wrote that I had Synchrony for 12 months. I think he got lost in his own deceit. To further add to this deceit, I have no documentation of the " loan '' /credit card itself. Nothing explaining this apparent XXXX XXXX deferred interest promotion. My account on the Synchrony website also has no documentation or explanation of the terms of this account. With no available documentation, how can this be legal!?!?! 

I spoke to countless Synchrony customer support specialists, and worked my way to the final person. Explaining the situation to each one. Each and everyone said I was wrong, and owed them the money regardless of what I was told. They said all that mattered was what I signed and I owed them an additional {$4000.00} regardless of what I said or who I talked to. 

I immediately paid the balance to prevent any further interest charges, but still feel like I am owed all of that interest back, {$3100.00}!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Upstart Holdings, Inc.
State: LA

Complaint narrative:
I had contacted the debt collector to negotiate a settlement and begin paying my debt that I was owed and he threatened me that I was in pre-litigation status and I had to pay this month. If I don't pay it will be forwarded to a legal attorney for judgement. I had to tell them I can't pay this month, it had to be next month because thats when I will get paid. The threats were not necessary for someone willing to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: IL

Complaint narrative:
Case number : XXXX with the Consumer Financial Protection Bureau I have filed this case almost one month ago ; and the credit reporting company TRANSUNION has violated my rights by publicly sharing WRONG INFORMATION ABOUT ME TO CREDITORS. 

In fact, under the provisions of the Fair Credit Reporting Act, it has come to my attention that Transunion place wrong information in my credit report. 

I asked Transunion to fix incorrect information about delayed payments on my account and wrong credit card balances. However, they did not fix the problem. Transunion has potentially violated my rights. 

I would like to draw your attention to the pertinent legal guideline, 15 USC-168, Section 602A, which explicitly affirms my entitlement to privacy. Moreover, the stipulations within 15 USC 1681, Section 604A, Section 2, underscores that a consumer reporting agency is prohibited from disclosing an account in the absence of my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2023-09-28 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: NY

Complaint narrative:
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 I want incorrect information to be deleted that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: IL

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 explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/2023 True Accord Attn : Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to request a 1099-C form for the charged-off account associated with the following information : Creditor 's Name : XXXX Account Number : XXXX I understand that the debt associated with this account has been charged off, and I am aware of the tax implications of receiving a 1099-C form. As required by the Internal Revenue Service ( IRS ) regulations, creditors are obligated to send this form to taxpayers when a debt of {$600.00} or more is canceled or forgiven. 

I kindly request that you provide me with a copy of the 1099-C form for this account as soon as possible. If there is any additional information or documentation required from my end to process this request, please do not hesitate to inform me promptly. 

Please forward the completed form to the following address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX If you have any questions or require further clarification regarding this request, I can be reached at ( XXXX ) XXXX or XXXX. 

Thank you for your prompt attention to this matter. I look forward to receiving the 1099-C form and addressing any necessary tax-related obligations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation