vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 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: PA

Complaint narrative:
I am writing to inform you that I am a victim of identity theft. After recently reviewing my credit report, I discovered several accounts and inquiries that I did not open or authorize. I am requesting that these fraudulent entries be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 1 late payment on an account that was paid on time and never late. The consumer reporting agencies have need to report all information with true and complete accuratecy. This account has not been late on payments, I have attached a copy of my experian report to this complaint on the following dates XX/XX/year>. I'm now requesting you investigate and provide verification proof with records showing that I had late payments. If this information can not be verifed I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
A company called Portfolio Recovery Associates , LLC has been contacting my father about an account they allege I owe. I plan on suing them. The lawsuit has been written but not filed yet. I will likely make it to the court to file sometime this week. Everything is documented in detail. 

I also noted that the CFPB has brought actions against this company in the past, which they have disregarded and have this has resulted in subsequent actions. This is why I am contacting you. I am not asking you to get money for me, to act as my lawyer or anything like that. I am providing this information to further your cases against them. I am passionate about consumer justice and believe that fighting back against such companies is a moral imperative. For every one like me who will go after them, there are likely countless victims of these people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX American Express XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number : XXXX Dear Sir/Madam, Subject : Third Request for IRS Form 1099-C I am writing to formally request a copy of IRS Form 1099-C for the debt associated with my account number XXXX. This is my third attempt to obtain this document. As a responsible taxpayer, I require this information for my tax records. According to IRS regulations, creditors are obligated to provide this form when a debt is canceled or charged off. 

To date, I have not received the required documentation, which is causing issues with my tax filings and financial records. I request that this matter be addressed promptly. 

Please send the copy of IRS Form 1099-C to the address listed above or via email at XXXX. For your reference, my details are as follows : - Name : XXXX XXXX - Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX - SSN : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am also forwarding a copy of this letter to the Consumer Financial Protection Bureau XXXX CFPB ) and my attorney, XXXX XXXX XXXX P.A. XXXX to ensure that this request is duly noted and expedited. 
I appreciate your prompt attention to this matter and look forward to receiving the requested form soon. 

Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
Victim of ID theft, my information has been compromised for years. I continue to battle with the credit reporting companies regarding these fraudulent accounts. Please help me remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
Dispute Regarding Account Handling I am respectfully contest the assertion made in my complaint regarding the handling of my account by your company. As previously communicated, I responded to the matter by mail, enclosing supporting documentation, on XX/XX/2023. Please find attached the relevant documents for your review. 
The crux of my concern lies in the imposition of a {$300.00} credit limit charge on an outstanding balance exceeding {$800.00}. This discrepancy, coupled with the unfortunate escalation of the account in collections, occurred despite my proactive communication regarding my inability to fulfill the payment obligations. I had notified the creditor of this predicament, attributing it to the unavailability of internet or phone services during my deployment overseas.

Furthermore, it is essential to highlight the company 's non-compliance with the Servicemembers Civil Relief Act, which mandates a reduction in interest rates to 6 % for individuals serving in the military. Regrettably, this provision was not adhered to in my case. 

In light of these concerns, I kindly request a thorough investigation into the handling of my account and a reconsideration of the charges and actions taken. I trust that your company values its commitment to fair and equitable treatment of customers, especially those who serve in the armed forces. 
Thank you for your attention to this matter. I look forward to a prompt resolution and am available to provide any further clarification or documentation as necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
On XXXX XXXX I sent paid off remains balance to Bridgecrest they are showing on my credit score 90 days of non payment dropping my credit score 90 points

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act the this account below Has violated my federally protected consumer rights to privacy and confidentially under under USC 1681 section 602 a. Account name US department of edu account number XXXX has violated my rights 15 USC 1681 section 602 a States I have the rights to privacy 15 USC section 609 a section 2 Also states a consumer reporting agency can not furnish a account With out my written instruction. 15 USC 168c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other then records of conviction of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( a ) ( 1 ) a A person shall not furnish any information relating to consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: NY

Complaint narrative:
On XXXX XXXX I sent paid off remains balance to XXXX they are showing on my credit score 90 days of non payment dropping my credit score 90 points

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX XXXX I sent paid off remains balance to XXXX they are showing on my credit score 90 days of non payment dropping my credit score 90 points

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: NY

Complaint narrative:
On XXXX XXXX I sent paid off remains balance to XXXX they are showing on my credit score 90 days of non payment dropping my credit score 90 points

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 2024-05-19 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
I paid TransferWise {$9.00} using my personal credit card ending in XXXX to issue a personal debit card on XX/XX/2024 but TransferWise is unable to locate and recognize my payment. TransferWise is unable to provide me information about my payment even though the payment was sent to TransferWise. This is unacceptable practice and not a way to do business with the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Ask the company how they got my identity and ssn to open an account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Care Credit/Synchrony Bank Closed my XXXX XXXX account and significantly reduced my available credit on the Care Credit account This action adversely affected my Credit score by over XXXX pointsThis action increased my credit utilization score to over XXXX percent. This action on their part was not justified. 
I have never missed a single payment or have ever been late. 
This financial institution also charged a one time interest fee on XXXX in the amount {$1600.00} on a balance of {$1900.00} which brought the total owed up to over {$3700.00} then they changed the interest rate to a 26.99 percent APRThis was a bait and switch tactic and clearly constitutes predatory lending practicesI have all documents that prove and substantiates my 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 2024-05-19 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have reviews my consumer report and I notice that I have 2 late payments that I have never late for the consumer agency have assumed a vital role and have responsibility to report consumer information to their best of their ability with maximum accuracy I have never been late on payment for the account that I have had including screen shot of this complaint and of dates of XX/XX/year> and XX/XX/year> please investigate and provide provide of late payment. If prof cant be provided I demand paid on time. Thank you please see screenshot

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
A company called XXXX XXXX XXXX, XXXX has been contacting my father about an account they allege I owe. I plan on suing them. The lawsuit has been written but not filed yet. I will likely make it to the court to file sometime this week. Everything is documented in detail. 

I also noted that the CFPB has brought actions against this company in the past, which they have disregarded and have this has resulted in subsequent actions. This is why I am contacting you. I am not asking you to get money for me, to act as my lawyer or anything like that. I am providing this information to further your cases against them. I am passionate about consumer justice and believe that fighting back against such companies is a moral imperative. For every one like me who will go after them, there are likely countless victims of these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MO

Complaint narrative:
On the morning of XX/XX/XXXX, I woke up to a text message from Chime bank telling me that my phone number had been changed on my account and that if I hadn't authorized it to call them. That message arrived to my phone at XXXX in the morning when I was sound asleep. After I noticed that text I quickly called Chime to see what had happened while at the same time I attempted to log into my account. I was locked out of my account and had to jump through hoop after hoop to switch things back and log back in. After finally getting back in I noticed that money had been transferred between my accounts and then transferred out to different people. I filed a complaint with Chime that they said could take 45 days to complete, they denied it the next day. When I noticed that the claim had been denied I called them back and tried to figure out why because the denial said that they had emailed me the reason, an email I never received. I asked for the email to be resent and they said it would take 10 business days. They said that they would reopen it and send me a link to add pics of the text message I had received, I never got that link from the first call and it never looked like they reopened the matter. After about 2 weeks I called again because I had not received the promised email. We jumped through the same hoops only this time I did get the link to send the videos. I still have not received any email from them and the claim still does not seem to have reopened and remains denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: CA

Complaint narrative:
Data was compromised and a fraud alert was put onto my credit reports. This inquiry should not be reporting as part of that alert. XX/XX/2022 from XXXX XXXX. 

Please remove this inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: NJ

Complaint narrative:
I have supplied my divorce decree / Marital agreement multiple times to all three creditors asking for a loan to be removed off my report because it is court ordered for my ex to pay the loan. Even though both of our names are on the loan he is court mandated to pay it. He has stopped paying this loan and it has messed up my credit. I even had to pull all my money out of my normal bank because of this issue. I need help getting this off my credit and fixing my credit report. 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 explanation
Consumer complaint received 2024-05-19 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: NJ

Complaint narrative:
I have supplied my divorce decree / Marital agreement multiple times to all three creditors asking for a loan to be removed off my report because it is court ordered for my ex to pay the loan. Even though both of our names are on the loan he is court mandated to pay it. He has stopped paying this loan and it has messed up my credit. I even had to pull all my money out of my normal bank because of this issue. I need help getting this off my credit and fixing my credit report. Thank you. 

XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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