vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/XXXX, I placed an order from XXXX XXXX  using the XXXX XXXX  issued by Synchrony Bank in XX/XX/XXXX. The purchase was accepted, the order even showed the last 4 of the credit card number on the invoice. I even received my order just days later. I went to check on the balance of the card yesterday, XX/XX/XXXX, but the account was not listed on the XXXX portal. When I called them and asked what happened, the representative told me that the account was closed due to inactivity. But I have never received any notifications to that fact! It was very suspicious to me that they would close the account the very first time I made a purchase using this card. I have since read similar instances in various online forums where they closed accounts the moment a purchase was made. They claimed it was because of inactivity over one year from the date of issue, but there is another XXXX card that I have not used in over a year that is still open! They would not reinstate my account, and said that I would receive paper statements by which to pay my bill. Having elected paperless billing as I do with all accounts, this will force me into being charged {$2.00} every month for paper billing on an account that I can not access online. And they don't even know why it's not appearing in their online portal! This is shady business practice and they should be investigated.

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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello! I tried calling Equifax earlier today but was unable to get reporting issue resolved I think I was misunderstood. My Equifax score 2 days ago days ago was XXXX and as of XXXX it changed to XXXX it decreased over XXXX points and I cant figure out why. I looked to review any changes via XXXX XXXX and it stated there were over XXXX remarks added! How is it that, that many remarks were added in such short period of time and non are collections or anything of that nature and my score dropped that much. I have been diligent with my credit and this is the second time this happened where some data is being pulled and my score drops over XXXX points. The first time was back in XXXX and it had since, been resolved but now it happened again. Please, review as my score prior to this data error was XXXX and now has dramatically impacted me. Please review my Equifax report from XXXX and XX/XX/30 and update my scores as they were prior to the data error as this is a misrepresentation of me. Please update immediately as this is an error and go back to my report prior to XXXX to update as it was. Thank you in advance for your help in this matter! 

Again, there are no reasons that I am aware of where my score would have dropped that way. Again, I appreciate your assistance in this matter, as this is negative way affecting me since its happened in the past I tend to keep monitoring my report for discrepancies and thankfully, I do as this is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: AZ

Complaint narrative:
I always pay my bills on time. I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on 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 non-monetary relief
Consumer complaint received 2024-06-01 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: PA

Complaint narrative:
I am a victim of identity theft, and I did not make or authorize these hard inquiries on my credit report. I did not authorize these companies to run these credit checks. I am requesting that the hard inquires be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

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 2024-06-01 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: Radius Global Solutions LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account RADIUS GLOBAL SOLUTIONS has violated my rights. 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: FL

Complaint narrative:
On XX/XX/year>, I filed a complaint with Experian through the CFPB regarding an XXXX XXXX account on my credit report that was a result of identity theft. In my complaint, I provided Experian with an FTC Identity Theft Report and requested that the account be deleted from my credit report. 

On XX/XX/year>, I received an email from Experian stating that the dispute results were ready. This response was received only one day after my initial complaint. Experian failed to communicate through the CFPB platform and instead sent me a generic message indicating that my request to block the account was made in error and that they would not be able to delete the account as it meets FCRA standards. 

XXXX actions indicate that they did not conduct a complete reinvestigation of the account. Furthermore, they failed to show proof of ownership of the XXXX XXXX account, which is impossible as this account does not belong to me. By not deleting the account as required by FCRA Section 605B, Experian has violated federal law. Section 605B mandates the deletion of information that is a result of identity theft within the stipulated time frame when provided with appropriate documentation. 

Additionally, XXXX XXXX  is in violation of the Fair Debt Collection Practices Act ( FDCPA ). When they sent me a dunning letter, I informed them that the account did not belong to me and requested that they cease all communication. Despite this, XXXX XXXX added the account to my credit report, which is a direct violation of the FDCPA. 

I request that the CFPB investigate this matter and ensure that Experian complies with the FCRA by conducting a thorough reinvestigation and deleting the fraudulent XXXX XXXX account from my credit report. If this account is not removed, I will seek to take legal action with my state attorney as Experian and XXXX XXXX are actively violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: FL

Complaint narrative:
Incorrect information 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 2024-06-01 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: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
I was trying to buy a house.I realize I had damages on my report according to the laws 15 U.S.C 1681 there shouldnt be any damages on my report it is defamation to my character. According to FCRA section 605b it is illegal to report information on my credit report without my permission. Thank you please remove these from my credit report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
After reviewing my credit report I see an account that I have no knowledge of listed on my credit profile stating that I owe a balance of {$1500.00} and that this account was opened in XXXXXXXX XXXX XXXX with the payment collection summary showing it was open XXXXXXXX XXXX XXXX. First question is, which one is it? Secondly, i will like to know where XXXX XXXX is getting this false information from and why it is being reported with XXXX different collection months on my credit report. It is showing that they bought a debt from XXXX XXXX but I will like to see proof with my wet signature that this account was opened in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX perhaps I am kindly requesting that this negative tradeline be removed from my credit profile immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: MD

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN./ XXXX XXXX XX/XX/XXXX EXPERIAN. 
XXXX XXXX XXXXXX/XX/XXXX EXPERIAN. 
XXXX XX/XX/XXXX XXXX. 
XXXX XX/XX/XXXX XXXX. 
XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN. 
XXXX XXXX XX/XX/XXXX EXPERIAN. 
XXXX XXXX XX/XX/XXXX XXXX. 
XXXX XX/XX/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 explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: NC

Complaint narrative:
Chime bank offered promotion bonus of {$200.00} with the promotion code XXXX on social media XXXX for opening a new checking account for the new customers. 

I opened up the account through the offer posted on XXXX and met all the criteria which was to have a direct deposit of {$200.00} within 60 days. 

Chime is not crediting my checking promotion bonus to the checking account I opened as advertised. 

Chime is following malpractices in financial industry and should be penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from 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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from 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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have been trying to remove the XXXX account on my report for quite some time. TransUnion stated that after investigating it was accurate. I find that hard to believe considering the fact that even me as the alleged owner of the account can not even communicate with XXXX because XXXX has no knowledge of me as a customer. Also TransUnion is wel aware that this collection is well beyond the statute of limitations. It's my belief that TransUnion 's investigation was nothing more than a hoax because neither TransUnion or XXXX has shown me a single document that shows ownership as well as not a single email or call or letter regarding payment at any 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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: VA

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am asking for an investigation because these accounts on my credit file are incorrect. The Fair Credit Report Act says I should get {$1000.00} for each error. FCRA 605B requires reporting wrong accounts on a 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 2024-06-02 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: AE

Complaint narrative:
My equifax file is showing i have many accounts open that i didn't give authorization to. The dates of some of the duplicate accounts doesn't seem to make sense to me for it is fradulent. Please anaylze this report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Incorrect information 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 2024-06-01 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: FL

Complaint narrative:
Incorrect information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date XXXX XXXX XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/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 2024-06-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/2024 my Venmo account was frozen, I initiated a chat in which nobody could tell me why the account was frozen, I was told I could call in therefore I did and I was still told that I could not be provided with a reason why the account was frozen and that I could not transfer my money out the Venmo company is holding {$190.00} of my money and states that I will receive an email in XXXX to XXXX business days. This is the second time that my account has been frozen by this company and that they have held my money. Please 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