vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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. 

Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$13000.00} DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX 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 2024-08-23 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: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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. 

Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$13000.00} DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).

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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 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: MD

Complaint narrative:
I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-08-23 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: MD

Complaint narrative:
I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-08-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I setup autopay on some credit cards in XXXXXXXX XXXX XXXX. I recently went online to check each card and found that my XXXX XXXX credit card ( through Synchrony bank ) had been closed, and was past due. After checking my XXXX XXXX  account ( that is where the payment was scheduled to come from ) I came to the conclusion that Synchrony was attempting to take money from my checking account. The problem is that I setup the autopay feature to withdraw from my savings account there. I called Synchrony bank and they told me that I must've entered incorrect bank account information ( I didn't ). I then sent a message to XXXX about this and a representative told me that when Synchrony setup the payment they indicated that it would be coming from a checking account and not a savings account. I called Synchrony again with that explanation from the bank and they once again told me that I must've had the wrong information submitted and that they want me to pay my past due amount. On top of all of that, they went ahead and closed the account as well! So now I am about to get hit on my credit report for a closed/delinquent account for something that was not my fault.

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 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Chime Financial Inc
State: MA

Complaint narrative:
I signed up for the Credit Builder card from Chime, was approved, and was told I would receive it in the mail shortly. It's been two and a half months and I have contacted customer support XXXX different times now. Every time they swear they have the right information for me and every time they say all they can do is send a replacement card in the mail. After the fourth attempt at solving this, the customer service representative abruptly ended the conversation without solving anything, directly after I asked if she was aware that this is a very common issue with Chime users. Also, they keep saying that the card has arrived at my address just for nothing to be there. I'm sick of being lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I purchased a auto protection warranty that was supposed to cover my automobile for XXXX, in 2021. I have issues with my car when I attempt to use the warranty I am unable to get in contact with the company. The number has been disconnected, my credit card company is refusing to take on the issue to assist in resolving the in issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: AL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Four days ago I received a text messaging -Regions : XXXX XXXX welcome to Regions! Your first message is waiting. XXXX XXXX XXXXXXXX Text help or stop. Msg & DataRatesMayApply Which I thought it was weird but I didnt pay mind. The day before yesterday I got mail to my house from the same bank regions saying that I cant take money from the atm yet because something was missing. So, I called regions today and one of the ladies asked for my ss and my name which I provided all the information. She told me there was an account opened with this information but there wasnt money there yet. They transferred me to their fraud department where they submitted a report. But when I asked them what kind of account the person opened the guy said he didnt see nothing opened. So I told him if nothing is opened how the previos person told me that it was and why is he doing a report. He just said that he couldnt speak for the previos person because he didnt know what he told me. Anyway, he told me to report it with you guys too because someone else is trying to commit identity theft with my information.

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 2024-08-23 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: PA

Complaint narrative:
This inquiry is with respect to my Macy 's XXXX XXXX XXXX ( " XXXX '' ) serviced by Citibank ( " the Bank '' ). On XX/XX/XXXX, I contacted the Bank concerning a number of fees assessed to my account erroneously. After nearly an hour the representative had not resolved my concern or indicated why I was charged the fees. Eventually, I would request a supervisor. The representative refused to connect me with a supervisor. My instructor to the representative was if we could not resolve the issues related to the fees amicably, I would institute proceedings to close my account. The representative then disconnected the line. In the minutes that followed, I received an email from Macy 's confirming my account 's closure. Not only was no disclosure read or given notice ( a requirement of the Truth in Lending Act of XXXX ), the representative refused to amicably resolve the fee issue or escalate the matter to someone capable. In follow-up on the same day, I reached a Manager at the Bank who credited the fees incorrectly assessed to my XXXX. The issue remains however that my account was closed without my full consent and the Bank violated the Truth in Lending Act. I have attempt to cure this issue with the Bank directly unsuccessfully and this action will inevitably affect my 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 2024-08-23 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: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Express Collections, Inc.
State: SD

Complaint narrative:
XX/XX/year> Attempting to collect by phone at my place or work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rozlin Financial Group, Inc.
State: IL

Complaint narrative:
I am writing to dispute the following information in my file. I have reviewed my credit report and identified inaccurate or outdated information that I would like to have corrected or removed under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681.

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 2024-08-23 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 am now requesting proof of previous investigation. I am asking you send your method of investigation along with all the records You spoke with, their Business address, name and phone number as well as document that proves this account ( XXXX ) was late. If you can not provide this information within 15 days, please update the account ( XXXX ) to pay never late and send me a copy of my updated 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 2024-08-23 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 am now requesting proof of previous investigation. I am asking you send your method of investigation along with all the records You spoke with, their Business address, name and phone number as well as document that proves this account ( XXXX ) was late. If you can not provide this information within 15 days, please update the account ( XXXX ) to pay never late and send me a copy of my updated 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 2024-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Over the past few months I have been getting more than 5 or 6 calls per day from this company so much so that i was forced to pay a bill that i really couldnt afford to, only to be called later on that same day ( XX/XX/XXXX ) for additional payments. The calls are frequent and often throughout the day and even on weekends and sometimes back-to -back. This comes after i give them a date when i can pay again. They are trying to force me to pay by constantly harrassing me. But even after making a payment the calls dont stop not even for a day. Im sure these practices are illegal and i want action taken. I asked that they stop calling, and even blocked the number but the began calling from private numbers. This needs to stop. Now.

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 2024-08-23 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: CA

Complaint narrative:
I am a victim of identity theft and I am writing to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized.This is a well established Identity theft case. Please have Transunion remove this information at the earliest possible time. The fraudulent account appearing on my credit report is DIGITAL EMPLOYEE FEDERAL. XXXX and XXXX already removed the fraudulent account a year ago but Transunion failed to do so and did not even respond to my dispute inquiry. Negligence from Transunion is hurting my life and bringing hardship to it, two examples of it recently are that Transunions incorrect reporting caused me to be denied increased credit limit twice with two of my credit cards, Transunion is in clear violation of 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i and section 605B of the Fair Credit Reporting Act. Please have Transunion comply with the Fair Credit Reporting Act, and remove/block this fraudulent information from my credit file. I have attached the Identity Theft report, the Police Report, my Transunion credit report ( With the Fraudulent information highlighted in yellow ), and proof of my identity to this inquiry. Please do not hesitate to ask me for any additional information that could be of use to you. Sincerely yours, 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 2024-08-24 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:
I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXXXXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove these accounts before I seek litigation for defamation of character ). XXXX XXXX - XXXX XXXX {$1600.00}, XXXX XXXX XXXX {$210.00}, XXXX XXXX XXXX Bal. {$82.00}, XXXX XXXX XXXX Bal. {$760.00}, XXXX XXXX XXXX {$1600.00}

Company response to consumer: Closed with non-monetary relief