vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I spoke to Bank of America on XX/XX/XXXX and told that the merchant XXXX had been showing up in my checking and the charges amounting to over {$5000.00} had been fraudulently taken from my account since XXXX. They didnt ask many questions other than what charges I was disputing. The claim was closed with my funds being refunded today XX/XX/XXXX. If the asked more questions I would have told them that I believe that I have had my identity stolen and accounts compromised or created without my permission. I believe my ip address has been exposed and I still have multiple devices that have been disconnected from cell calls but is still capable of accessing accounts, passwords, photos of banking info, old photos of credit and debit cards, photos of my drivers license. My XXXX and XXXX XXXX accounts were recently taken over and passwords were changed. My neighbor returned my wallet to me XXXX months ago but Im not certain how long it was out of my possession or who had access to it. I often leave my main phone in my car over night or when Im home because I have difficulty hearing so I dont talk on the phone much. Im not sure if anyone has had access to my phone or other devices. I have received many emails asking to reset my password for multiple accounts when I have not requested a change. I have also had multiple two factor authentication texts sent that werent requested. Im not sure what people are capable of but I know that my identity and accounts have been compromised and Bank of America did not ask me enough during the fraud call I made nor did they follow up. My call was made using XXXX XXXX XXXX and I do have a transcript of the lack of questions that I was given. And I must say I do believe that if I was talking to a Bank of America associate instead of using a XXXX call that the person would have been more thorough. I think that nobody there would like to take the right amount of time and effort to accommodate anyone with any difficulties. I dont think the claim was treated with the care and mindfulness that a normal customer would have received. I filed an identity theft report with the FTC as well.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
15 U.S. Code $ 1681c 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should be furnished in my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b Permissible purposes of consumer report ( s ) any consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protection consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delinquent accounts listed removed 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 non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: NY

Complaint narrative:
Today, I received a letter in the mail stating I have a balance of {$350.00} but when I called in and spoke with two representatives ( one of which hung up on me ) and a supervisor name XXXX  I was told the payments I have been making for the last 7 months did not go towards the full balance. In fact, they told me the money applied was towards a specific plan and in order to clear the balance, I would have to pay the amount in full or start a new plan. As XXXXXXXX XXXX as I was, I XXXX  the XXXX XXXX reviews to find that many other people complained about discrepancies regarding the balances and the communication of such. I am not sure how or why this financial institution still is capable to perform so poorly irregardless of the terrible experiences provided to customers. Aligned with such, I have no access to the digital statements and was told the only way I can see my statements are via Fax or mail ( 7-10 business days ). Let 's be clear, how many people actually own a fax machine much less communicate via Fax? This company, from my experiences, needs to be investigated as I believe something fraudulent is going on to upkeep the revenue flow. People online, like myself, have complained about the questionable balances that are not lowered and have been poorly communicated. Hopefully, a resolve can come about so people can walk away feeling better.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I have been struggling trying to pay my car notes on time doing the last XXXX months do to me having major XXXX on my neck which caused me of being off work. I have made the monthly payment even though it wasnt on the day it was supposed to be on but they got they money that month I only have to more payment left on my Vehicle which is XXXX I have spoken with someone about my situation at Exter finance company They told me that I owe them XXXX plus which Im not understanding the young lady told me that I have to come up with that amount next month which they are forcing me to return back to work which the doctor havent released me yet. Im already stressing about my other bills that need to be paid. Im not behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, 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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/2023 I got a {$600.00} loan from XXXX XXXX XXXX XXXX. With the loan about XXXX points were deducted from my TransUnion credit score The loan was paid on time in good standing. I only received XXXX points back to my TransUnion credit score after the XXXX XXXX XXXX XXXX loan account was paid/closed XX/XX/2023.

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 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.

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 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, 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:
I have filed numerous disputes concerning these accounts, which do not belong to me, yet they continue to appear on my credit report. Additionally, I've submitted several FTC Reports regarding these erroneous accounts. Surprisingly, these companies have chosen to ignore their legal obligation to investigate the disputes, refusing to take appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against the XXXX XXXX XXXX regarding an alleged child support debt that has been erroneously reported to my consumer report. Despite my efforts to seek validation and documentation of this alleged debt, the XXXX XXXX XXXX has failed to provide any evidence or respond to my inquiries. As a result, I am suffering significant harm to my finances and credit profile. In XXXX of XXXX,, I submitted an affidavit of truth to the Child Support Division, as well as letters to TransUnion and XXXX in XXXX of XXXX, requesting validation of the alleged child support debt. In my affidavit to the XXXX XXXX division, I emphatically stated that I have never been legally ordered to pay child support and that there is no record of me appearing before a judge, or received a judgement order, court order for such an obligation. Additionally, I have never consented to, agreed to, or accepted any responsibility for child support payments. I have requested a judgement order, court order or any documentation that validates this alleged debt, but have been met with silence from the XXXX XXXX XXXXI also requested that the child support division explain how they obtained my name and address and social security number to report information to my consumer report as well as to cease reporting. The lack of response and the continuous reporting of this unverified debt have caused substantial damage to my finances and credit profile, hindering my ability to access credit and financial opportunities. It is also listed in my consumer report that a balance of XXXX is owed, but it also shows that payments have been made of {$200.00} a month consistently since XXXX. Well over XXXX but the balance still remains at XXXX. Everything is inaccurate and they continue to report inaccuracies to my consumer 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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/2023 {$130.00} XX/XX/2023 {$170.00} XX/XX/2023 {$130.00} XX/XX/2023 {$130.00} XX/XX/2023 {$170.00} XX/XX/2023 {$170.00} XX/XX/2023 {$23.00} XX/XX/2023 {$23.00} XX/XX/2023 I called Wells Fargo immediately to verify I did not make these charges. 
XX/XX/2023 Wells Fargo opened a fraud case. 

XX/XX/2023 called an inquired about the extra charges. 

XX/XX/2023 Wells Fargo denied my claim. 

XX/XX/2023 called again asking for help when I received the denial letter XX/XX/2023 Wells Fargo opened a claim XX/XX/2023 Wells Fargo denied my claim XX/XX/2023 called again asking for help after receiving the denial letter. 
XX/XX/2023 Wells Fargo has opened the claim again. Stated I should have filed a police report. 

I've never dealt with fraud before, why wasn't that disclosed on XX/XX/2023 when I called??? Filing police report XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The United States Bankruptcy Court does not report any information to the credit bureaus and is responsible for verifying or validating information from consumers credit files. Bankruptcy filings are publicly available.

The Bankruptcy Court has no interaction with credit bureaus, including Equifax, XXXX, and XXXX. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 
Under the Fair Credit Reporting Act, both the credit bureau and the information provider ( that is, the person, company, or organization that provides information about you to a credit bureau ) are responsible for correcting inaccurate or incomplete information in your report. The credit bureau will verify the item in question with the creditor, who must respond within 30 days. After the investigation is complete, the credit bureau will notify you of the outcome. If information on your credit report has changed or been deleted, you will receive a copy of the revised report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The United States Bankruptcy Court does not report any information to the credit bureaus and is responsible for verifying or validating information from consumers credit files. Bankruptcy filings are publicly available.

The Bankruptcy Court has no interaction with credit bureaus, including XXXX, XXXX, and Experian. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus.

Under the Fair Credit Reporting Act, both the credit bureau and the information provider ( that is, the person, company, or organization that provides information about you to a credit bureau ) are responsible for correcting inaccurate or incomplete information in your report. The credit bureau will verify the item in question with the creditor, who must respond within 30 days. After the investigation is complete, the credit bureau will notify you of the outcome. If information on your credit report has changed or been deleted, you will receive a copy of the revised 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 2023-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Please see attachments for information. 

JP Morgan. 

The information is incorrect and suitor not be on credit report. 

Account does not belong to me. 

A Please remove from Credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: KY

Complaint narrative:
I have been banking with this company for almost 5 years. I have never experienced a problem, whatsoever. Last Friday, XX/XX/2023, I tried to access my account to pay a bill and was unable to log in. I checked my email and there was an email stating that my account was suspended/on hold due to activity involving the mobile check deposit that was made weeks ago on my account. This was my income tax check that I had just finally received after waiting for over a year. I have sent emails almost every single day since this happened giving them every item they requested. I have called on multiple occasions and still have been unable to get help. No one can seem to tell me anything, nor give me any help whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
Inquiries I did not authorize XXXX XXXX  on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  on XXXX XXXX on XXXX and also on XXXX Collection acct to RPM  services LLC on XXXX Is not mine XXXX XXXX XXXX XXXX. Not mine. 
I have contacted these creditors and was informed to contact credit bureau which I have done and disputed these. XXXX informed me to make a report w CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation
State: TX

Complaint narrative:
Inquiries I did not authorize XXXX XXXX  on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  on XXXX XXXX on XXXX and also on XXXX Collection acct to XXXX XXXXXXXX XXXX on XXXX Is not mine XXXX XXXX on XXXX. Not mine. 
I have contacted these creditors and was informed to contact credit bureau which I have done and disputed these. XXXX informed me to make a report w CFPB.

Company response to consumer: Closed with explanation