vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-29 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Removal of invalid data

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 2024-04-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I writing to request that my Security Service Federal Credit Union secured bank card account be updated. I have fully paid the card off as of XX/XX/2024. My Security Service Federal Credit Union secured bank card account does not update on my payments fast enough, this is also affecting my credit score.

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 2024-04-29 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: CA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-29 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose. 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXXXX/XX/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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TX

Complaint narrative:
I filed a dispute with Chime on XX/XX/XXXX for an ATM dispute of {$120.00}. My dispute was approved and Chime provided {$120.00} back into my account. I received an email from the investigations department on XX/XX/XXXX stating my dispute was approved and closed. Then on XX/XX/XXXX, Chime withdrew {$120.00} from my account causing me to go into a negative balance. When I called to question why this happened, numerous representatives and supervisors stated that they can not tell me why. Chime representatives also stated I will not be able to dispute this charge from XX/XX/XXXX because it was done by Chime. This does not sound right. A financial institution should not be able to withdraw funds from someones account without any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is reporting in accurate information on my consumer report. I submitted a request to have several inaccurate accounts deleted From my consumer report. XXXX  XXXX is showing a charge-off but showing a balance due. XXXX XXXX XXXX is showing as a charge off and closed account and it is past the law required reporting date. XXXX XXXXXXXX XXXX is showing closed and is past the required reporting dae. XXXX. XXXX XXXXXXXX XXXX XXXX is showing closed and as a charge off also showing a balance due. XXXX. XXXX XXXX is showing two late payments. They then sent notice back stating the account information has been verified, I requested them to provide me with the information regarding this and they Never submitted it to me. Reporting inaccurate information on my credit report is defamation of character and a violation of 15 USC 16811 - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. request a thorough investigation into these inaccuracies 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate late payments, charge off accounts do not contribute to an accurate representation of my creditworthiness and should be removed. I kindly request that you investigate the accuracy of the information associated with my credit report. remove the inaccurate accounts. and provide me with a free copy of my updated credit report Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your time.

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 2024-04-29 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank toward me as a consumer have been treating me and affecting my credit wrongfully. I received a letter dated XXXX ( attached ) I opened this card through Lowes back in XX/XX/XXXX. I have not used the card since. 
Synchrony has treated me very unfairly and rude. They lowered by credit line " twice '' to what I owe on it and for no reason and negatively affecting my credit score. My payments have been made every month and I am on automatic payments now. Now again this month, XX/XX/XXXX, they lowered it again to what I owe on it for no reason. The letter states these reasons which are highly mannered to attack consumer for no good reason : *High ratio of balance to credit limit over the last 3 months is too high on this account. *The ratio of last payment to amount due is too low. *The number of months since the account was opened is too low. *The average payment on this account over the last 6 months is too low. Again, I have not used this card since almost a year ago and they have been constantly monitoring my credit and mishandling my credit bureau score. They have lied on the letter about my score which is XXXX XXXX lower than my actual score. I spoke to a XXXX who would not give me his last name or any other ID today and complained to him about this letter I received and the reasons they gave are completely wrong and inaccurate. He stated they do quarterly reviews of my credit report. I told him the reasons on this letter are wrong. Every month my minimum payments are made and these payments have been put on Autopay also. So these reasons are completely inaccurate and I advised they are affecting my score negatively every time they pull down the credit line which I was originally given XXXX and they decreased it to what I owe TWICE for NO GOOD REASON!!! I have not used the card since XX/XX/XXXX LAST YEAR and I have been making every monthly payment since!!!!! This bank is screwed up. Also, they are now adding a monthly charge of XXXXXXXX XXXX XXXX to your balance owed for paper statements if you don't opt out of paper statements.

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 2024-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I received a notice today in the mail ( XX/XX/2024 ) Showing on the letter account ended in XXXX ( which isn't even my last 4 numbers under my credit card ). They have this letter dated XXXX and without my knowledge, they closed my account without my consent to do so, as I do not want this account closed. I have been a great customer for many years with this company, always paying my bill in full when I used it. The last time I used it was at the end of XXXX. 

I tried to contact the company ( Commenity Bank for Victoria Secret Card ), and it never gave me the option to speak to anyone about my account, it stated they closed it and can not give me any information and the call drops.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I called Bank of America because I was not able to open a Bank account on my behalf. I ordered XXXX XXXX  and t showing I owed money on this financial institution. I reported them that my bank debited the money on my checking account when I was in the XXXX and that I don't received. 
I was in the XXXX that day and I went to atm machine to withdraw money and it happened nothing dispense on the ATM,. I reported it to the Bank in the XXXX and showed that my bank was debited and I never received the money thru ATm. The manager created a report they said it would takes a couple of months. So I disputed it to Bank of America and this is what happened they closed my account and telling me I owe the money that I never received. I am suffering now I can not open any bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-29 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2024-04-29 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. 
I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as 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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. 
I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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