vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I had a XXXX XXXX account through Synchrony Bank which was closed due to nonpayment. The past due balance showing on my credit reports is {$1200.00}. I called Synchrony Bank yesterday to resolve the balance and was told that they are no longer collecting on the balance and a 1099-C was issued for the previous account balance and as such, I was unable to make any kind of payment and was directed to dispute the status with the credit bureaus. I disputed the information with all three credit bureaus, and XXXX has already finished the dispute, but the reported balance was not changed and is still showing as past due for {$1200.00}. I dont understand what XXXX supposed to do if XXXX cant make a payment to resolve the balance but that it wont update to {$0.00}. It is impacting my ability to access new lines of credit.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered several inaccuracies on my credit report, which I believe are the result of identity theft. Upon reviewing my credit report, I identified multiple unauthorized accounts/inquiries that are in violation of XXXX XXXX XXXX guidelines and the Fair Credit Reporting Act ( FCRA ). These accounts have negatively impacted my creditworthiness and financial opportunities. Specifically, the accounts listed on my credit report exhibit the following violations : Incorrect Payment History : Several accounts show a payment history listed as " Unknown, '' which violates XXXX XXXX guidelines. Missing Account Status and Terms : The status and terms of these accounts are not provided, making it unclear whether the accounts are active, closed, or in dispute. Failure to Provide Clear and Accurate Information : The accounts ' information provided on my credit report is not clear or accurate, violating FCRA guidelines ( FCRA XXXX ( a ) ( XXXX ) ( A ) ). Despite my efforts to address these discrepancies by disputing them directly with the credit reporting agencies, the unauthorized accounts remain on my credit report. These inaccuracies compromise the accuracy and integrity of my credit profile, causing undue harm to my financial reputation and opportunities. I respectfully request the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. Your intervention is crucial in ensuring that the credit reporting agencies and associated companies comply with XXXX XXXX guidelines and the FCRA by deleting these unauthorized accounts from my credit report. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: NJ

Complaint narrative:
I had a XXXX XXXX account through XXXX Bank which was closed due to nonpayment. The past due balance showing on my credit reports is {$1200.00}. I called XXXX Bank yesterday to resolve the balance and was told that they are no longer collecting on the balance and a XXXX was issued for the previous account balance and as such, I was unable to make any kind of payment and was directed to dispute the status with the credit bureaus. I disputed the information with all three credit bureaus, and Equifax has already finished the dispute, but the reported balance was not changed and is still showing as past due for {$1200.00}. I dont understand what XXXX supposed to do if XXXX cant make a payment to resolve the balance but that it wont update to {$0.00}. It is impacting my ability to access new lines of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: Webcollex, LLC
State: SC

Complaint narrative:
The Creditor negotiated with me and agreed to delete the tradeline after I settled. 
They consistently reported inaccurate information to the credit bureaus. 
The Creditor then changes an amount remaining and posts this inaccurate amount as past due although they knew the balance was XXXX. Please take a look, they report as accurate what should be deleted or XXXX  and force us to continue disputing and take as long as they desire with ultimately the same result. 
Nothing or additional false information! 
The Creditors are never penalized but they report whatever they want and it lowers our scores. It never matters to the Credit Bureaus that we attach justification with online disputes either.

Company response to consumer: Untimely response
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
experian is not complying with their own policies in a timely manner.

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 2024-05-11 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: SC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XXXX XXXX ) I'm now requesting you investigate this account and update these payments 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 non-monetary relief
Consumer complaint received 2024-05-11 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: IN

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 Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/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 XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  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 2024-05-11 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
improper use of a credit report, what is the permissible purpose of this collection filed under my credit report without consent in the amount of {$730.00}, this item was reported on XX/XX/2023, but has now come to my attention after viewing my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: TX

Complaint narrative:
To Whom It May Concern, I XXXX XXXX XXXX am writing to file a formal complaint regarding a violation of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX XXXXXX/XX/XXXXPursuant to XXXX XXXX XXXX, I believe my rights under the FCRA have been violated in the following manner : XXXX. XXXX XXXX XXXX XXXX has made no effort in helping me, resolve this repo collection on my credit report. Its been in stagnation since XX/XX/year>. This repo collection should be reporting accurately every month, & its deeply effected my credit report. The account hasnt been updated since XX/XX/year>. Shouldnt the account be accurately reporting every month and updated? This is against the FCRA REQUIREMENTS & REGULATIONS. This repo collection is only reporting on Experian. This repo was also reporting XXXX accounts at XXXX point. I got XXXX accounts deleted off of XXXX and XXXX. But theres still the repo on Experian. 

XXXX. ) Ive had multiple disputes trying to get this repo off my credit report with no efforts. This collection account is hurting my credit report. 

This violation has resulted in significant harm to my financial well-being and has adversely affected my ability to obtain a good credit score, also have the ability to buy a nice house, as well as getting a secure job. 

I have attempted to resolve this matter directly with XX/XX/XXXX XXXX XXXX but my efforts have been unsuccessful. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to investigate this issue and take appropriate action to rectify the violation. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take any necessary enforcement actions to ensure compliance with the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2024-05-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
A fraudulent credit card ( XXXX XXXX - citi bank ) was opened on XX/XX/XXXX and around {$1900.00} spent. I noticed this about a month later with my XXXX XXXX  app and reported it to Citi immediately. They closed the account and opened an investigation. However, I just received a letter saying that their security team did not deem this a fraudulent account and that I'm still responsible for the charges. This account IS fraudulent. I did not open an account, nor did I purchase anything with a credit card from Citi bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had bought out my lease and financed it thru chase bank XXXX years ago. Never received my title. Car was taken off the road and I need to register it and get plates for it. Ive call chase on XX/XX/XXXX asking for my title or permission letter so I can register my car. Ive called almost everyday since then and asked for supervisors, everytime I call one person tells me forms were mailed out, another its still being reviewed. My last call I wanted this situation escalated and to speak to a higher up, the said they can only leave them a message to call me back. Its been XXXX weeks, no forms were receive, no call back and no title. I need my car on XXXX XXXX. XXXX is a no holding title state!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Assistance Inc
State: NC

Complaint narrative:
On XX/XX/year> I wrote a dispute letter to XXXX XXXX XXXX XXXX to receive validation of the debt which they never provided to me. They claim I owe them {$7000.00} however, if this debt was real then they would have sent me the debt validation like I requested. It's clear that I actually don't owe this debt because they have no documents to prove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: FL

Complaint narrative:
Experian refuses to remove false information that is displayed within my XXXX Experian XXXX. The " feature '' in my paid subscription is labeled as COURT RECORDS RESULTS. At first, I was pleased to find this within the monthly subscription as I thought it would be advantageous to have this at my disposal. Unfortunately, I found all the data to be completely fallacious as it showed that I had been arrested over XXXX times. According to these police records, they were duplicated, in counties where I have never lived or even visited, and the list goes on. For example, the false reports indicated that I was incarcerated after being arrested for XXXX XXXX 's in XXXX. I paid to have a XXXX XXXX Police background check which obviously showed no record of me ever being arrested in the entire state. I have a certificate of authenticity to prove it. I sent Experian a certified package with dozens of pages which exonerate me. They absolutely refuse to remove the XXXX plus accusations from my portal and the employees treat me with no respect and lie to me every time I talk with a different employee located somewhere in XXXX. They NEVER speak clear XXXX and pass me from XXXX department to the next. Some of the departments are as follows : Internal Fraud, Membership, Information Technology, Restoration and Disputes. I have begged dozens of employees to help me, and their only answer is to call every Jurisdiction in XXXX XXXX listing this ID theft information. Please note that some counties across the nation have XXXX or more jurisdictions. I AM ONLY REQUSTING WHERE MY SENSITIVE IS WITHIN EXPERIAN AND TO REMOVE THE HARMFUL DATA WITHIN A " FEATURE '' OF EXPERIANS CALLED COURT RECORDS RESULTS. I ALSO HAVE A POLICE REPORT PERTAINING THIS INCIDENT. Please help me with this horrible situation and be aware that I have placed fraud alerts and freezes on all three credit bureaus. Thank you so very much.

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 2024-05-11 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: MI

Complaint narrative:
I did not grant permission for the inquiry. There has been no communication with this lender on the specified date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: KY

Complaint narrative:
LexisNexis I am asking once again for the truth regarding whether or not your company obtained a XXXX  XXXX bankruptcy bearing my name and sold it to the credit bureaus. I also disputed this issue in XX/XX/year> therefore that bankruptcy should have been deleted from my file by XX/XX/year> but now your company is stating that it was removed XX/XX/year>. I hope that your company will be mindful of the fact that I am not going away until this is resolved and my Credit Reports are restored. I am asking that LexisNexis along with the credit bureaus remove the XXXX  XXXX bankruptcy from my Credit report within 7 days of receiving this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Levy & Associates, LLC
State: IN

Complaint narrative:
I went through a lawyer 's office in XXXX, Indiana for a debt from XXXX that is being handled by XXXX XXXX but, with a law firm Levi and Associates. I made a couple of settlements, I tried to reach the company by phone and got no answer. I was making payments in fact, this year I have given their law firm a total of {$2400.00} this year close to that amount last year. When I got a balance from my law firm the balance was over {$6300.00} ; However, the balance was {$4800.00} ; with the money that I am paying, I believe I am almost finished paying the debt off. The law firm hasn't accounted for the monies that I have already payed and my attorney has withdrawn from the case and now I have to find a new attorney or represent myself. When I read the reviews on Levi and Associates, there were other defendants who had the same problem with this law firm acting as a debt collector.. I believe their tactics go against the FDCPA. What they want to do is garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a dependent adult abused by one of Citibank 's employee named XXXX XXXX Branch XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. He asked for my credit card and then I went to buy something and the card declined. I did it again and it declined once more. He closed my credit card without my permission without any justification. My older XXXX and I always pay our bills right away. 

To make matters worse, I just go out of the hospital and XXXX XXXX made me sign some papers. As I got better, I wondered about what had happened. 

My attorney says I should go to small claims court and hopes that there is some kind of criminal punishment to make him look like he was doing well with my oldeXXXX XXXX and I at the bank. 

Please expedite ASAP. I have XXXX other legal matters to solve. 
XXXX XXXX will feel my wrath.

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 2024-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern : This is in response to TransUnions recent claim that the account ( s ) listed below have been verified and that the information they are reporting under my name is accurate. 

XXXX XXXX XXXX XXXX, credit limit {$13000.00} ( See attachments ) I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ). 

Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 
In XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely parrot information from the creditors and collection agenciesthat they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor in question. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information 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