vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-01 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: NY

Complaint narrative:
I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXXon my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement drivers license, and So
cial Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these accounts are inadvertently resulting in me being extorted.

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 2022-06-01 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: NY

Complaint narrative:
I called Experian after I purchased a credit report from Experian on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Accounts : XXXX XXXX, XXXX XXXX XXXXon my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts are inadvertently resulting in me being extorted.

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 2022-06-01 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: NY

Complaint narrative:
I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Address : XXXX XXXX XXXX XXXX, NY XXXX Accounts : XXXX XXXX, XXXXXXXX XXXX XXXXon my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts are inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
On XX/XX/2022 I was online making a payment on another card I held with Chase bank when I noticed that it said a different account had been closed. I had never received notification that this account had entered inactive status and would be closed if I did not use the card. I called Chase and the representative I spoke with advised me that they were unable to re-open my account and informed me that a letter was sent in XXXX via regular mail. I have an issue where I do not receive a lot of the mail that is supposedly sent to my physical address. The agent was unable to help me and escalated the call to a supervisor who also was unable to assist and advised to contact another department that was currently closed. Chase was unable to schedule a call back and refused to assist me further, effectively passing the buck. The notice was not sent via certified mail and as it did have significant impact to my credit score due to the length that trade line has been open I advised I would be filing a complaint. After further review I was able to locate the document stating the inactive account warning in my online banking, however this was too late and I feel the significance of a closed account warrants a physical letter that is certified to ensure receipt by the consumer when it comes to something as impactful as this with regards to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: PA

Complaint narrative:
Greetings, my name is XXXX XXXX and I am reaching out to delete several items from my credit report. I am a victim of identity theft and did not authorize these items on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete these items as soon as possible.

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 2022-06-01 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: PA

Complaint narrative:
Greetings, my name is XXXX XXXX and I am reaching out to delete several items from my credit report. I am a victim of identity theft and did not authorize these items on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Hello Sir, I have purchased the hardwood flooring from LL FLOORING with 0 % financing offer in XXXX and it was financed by SYNCHRONY BANK with XXXX % interest for 24 month. I have been regularly paying the due payments without any missed payments since it was financed. SYNCHRONY BANK have not notified me via mail about the payments or ending terms. Also, when I asked about the statements from the beginning to see how much total I have paid, they have refused to provide the Year XXXX statement. But instead they have charged the 29 % interest for all 24 months + 3 month on top. I have called them many times for paying the balance amount {$3400.00} but they have added the interest {$4300.00} on top of that and asked me to pay {$7400.00}. Also, without my consent they were keep charging interest and deducting from my checking account monthly till the date XX/XX/XXXX. To avoid the additional interest they didn't left me any option option but I ended up paying the balance + interest + interest which is {$7400.00}.. 

Per XXXX statement the balance was : Balance : {$3400.00} +/- Credits, Fees & Adjustments ( net ) : {$120.00} +/- Interest Charge ( net ) : {$4300.00} They have increased the Total balance + 29 % interest for XXXX month = {$7700.00} as of XXXX I was supposed to pay balance amount {$3400.00} after all the monthly payments those were made by me. But Balance as of XXXX showed as {$7400.00}. 

I would like to request for investigate the Credit Card company SYNCHRONY BANK 's bad practices and not informing consumer when the major terms ends. We had a no clue about this much big charges in sudden. If I was made aware by the bank 's via notice/letter, I could have made the final payment on time but they didn't give me any chance. 

Hopefully, you can resolve this matter and investigate the interest charges and why not informing customers by sending the letter via mail. 

With Regards 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 2022-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, an account on XXXX requested that I send them {$850.00} through Zelle to secure a purchase. Payment was sent XX/XX/XXXX through Zelle, via XXXX. Purchased item was meant to arrive XX/XX/XXXX, which did not occur. Immediately contacted XXXX to cancel the payment, which seemed to have already been processed and received by scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXXXXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Credit Limit {$5000.00} ), XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$4800.00} ), XXXX XXXX XXXXXXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-06-01 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 section 602 ( A ) ; States I have the right to privacy.

15 U.S.C. 1681 section 604 ( A ) section ( 2 ) ; Also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
on XX/XX/2022 I received a letter from a creditor I have by the name of Synchrony Bank ( XXXX XXXX XXXX ). The letter stated my account ending in XXXX have been reviewed and I was denied a credit increase due to their decision based upon my XXXX credit report. I immediately called Synchrony Bank at XXXX the next day XX/XX/2022 at XXXX am est with customer service rep named XXXX. I then told her I didn't request a review of my account, who did, why did they pull my credit without my authorization which is illegal and because off their review they also decreased my credit limit and I asked why would they do that as well with me being unaware of any of this. XXXX stated they do reviews once every XXXX months. I told her that was illegal then XXXX stated it was in the terms and conditions of my cc contract. I told I have never heard of that and it is not anywhere in my contract. This unauthorized inquiry has affected my credit score and is against the law per CFPB

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 2022-06-01 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:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. violated my rights 15 U.S.C 1681 section 602 A.states I have right to privacy. 15 U.S.C 1681 section 604 A sectin 2 It also states a consumer reporting agency can not finish a ccount without my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP im extremely frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP im extremely frustrated.

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 2022-06-01 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: AK

Complaint narrative:
Ive disputed XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) several times, It was removed from a previous dispute back around XX/XX/2022. I was not notified of any new documents or anything for them to add it back to my credit report per credit reporting guidelines. Yet Equifax will not remove it and follow credit reporting guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: CA

Complaint narrative:
That comes billing me for the third time Ive been billed by XXXX XXXX who continues to send my bills to a different collection company because they dont know how to build my insurance company and if you go on the portal for XXXX XXXXXXXX that shows I dont have a balance so I dont understand why they keep telling me. 


I think both XXXX and can get their act together and knock it off and stop trying to bill me for something that's either paid or they need to collect new insurance coverage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days I request these items be removed, if not I will file for litigation due to the stress this has caused me.

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 2022-06-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days I request these items be removed, if not I will file for litigation due to the stress this has caused me.

Company response to consumer: Closed with explanation