vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: TX

Complaint narrative:
A fraudulent account was opened on an US Bank credit card using my personal information. 

XX/XX/XXXX account was opened XXXX lender checked my credit report XX/XX/XXXX US Bank raised the credit limit on the account to XXXX XX/XX/XXXX charges of {$8600.00} were placed on the card. 

I received a letter from US Bank on XX/XX/XXXX letting me know an account was opened in my name and they were concerned about the accuracy of the info. 

I called US Bank on XX/XX/XXXX and put a fraud alert on the account.

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 2024-02-21 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: CT

Complaint narrative:
I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: CT

Complaint narrative:
I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry 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 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: OH

Complaint narrative:
Starting in XX/XX/2024, I started receiving emails about a Chime debit card being sent to my house, then another one saying I had not activated the debit card. I ignored these emails, and yesterday, XX/XX/XXXX, I received an email about 'unusal activity on my account ' ( which I had not opened ). I looked up the Customer Service number on the internet for Chime Bank and called. An unprofessional sounding person asnswered the phone and asked for my email address, which I did give him, along with the last 4 of my Social Security Number. I also gave him this. He then said he would close the account. But, I'm not comfortable with how this was even opened in the first place? And im not sure if this isn't some phsihing scheme to get my information, although I called their number that I found via XXXX. It doesn't feel right with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts 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
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I waited for the details and nothing came. My phone call with them on XX/XX/24, I was told they were not providing more information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is actually not a new complaint. I called Transunion about my mortgage of {$1400.00} with XXXX XXXX XXXX ( XXXX ) ( see attached ) not being reported on XX/XX/XXXX. Transunion mentioned that maybe the financial companies were not reporting it to them. I assured Transunion that the above-mentioned company was reporting it and the other credit agencies were correctly reporting this item. I called XXXX XXXX XXXX on the same day and they assured me they were reporting my financial information to Transunion. I even followed up in written form with XXXX XXXX XXXX. ( See Attached ). XXXX responded to my letter stating that they have indeed been sending information to Transunion. I again called Transunion on XX/XX/XXXX to state that the item is still not showing up on my Transunion credit report. They stated that it would take up to 90 days to investigate the matter. Transunion had 60 days to respond and they never resolved the missing mortgage payments reported on my credit report. 

Now it is XXXX XXXX and as of today Transunion STILL has not corrected my credit report. I called them on XX/XX/XXXX and they said that they have not been receiving information from XXXX XXXX XXXX ( XXXX ). This is the same answer Transunion gave me in XXXX. I then called XXXX and they assured me they had been sending information. 

I just want my mortgage payments reported on my Transunion credit report. The missing mortgage payment reporting is lowering my credit score by XXXX points and affecting the age of my accounts score negatively.

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 2024-02-21 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: TX

Complaint narrative:
Student loan has been discharged and it is still being reported with a balance.

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 2024-02-21 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: TX

Complaint narrative:
Student loan has been discharged and it is still being reported with a balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: NC

Complaint narrative:
these compaines ran my credit with out my permission and hard inquiries arn now on my credit report. 

on XXXX XXXX  XXXX XXXX XXXX XXXX 
on XXXX XXXXXXXX XXXX  XXXX XXXX on XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/2024 XXXX on XX/XX/2024 XXXX XXXX on XX/XX/2024 XXXX XXXX on XX/XX/2024 XXXX XXXX on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXn XX/XX/202XXXX XXXX XXXX XXXX 
on XX/XX/2024 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This is the second time I have attempted to obtain credit with Synchrony Bank. Each time during the application process, their online system would not accept the back photo of my drivers license. They are not denying basis on credit history, bad or good credit merely because they could not read the back of my drivers license. When I called and explained what happen, the rep could not tell me why my application was declined, just that it was declined for no money amount. What surprises me is I've had a Care Credit card with them in the past but have not use it and no longer in the system, but now they deny me credit? It would be understanding if it were based on my credit history but it's not. Only that THEIR system could not read my drivers license. This is not fair to the consumer and I'm sure I'm not the only one. This happened before when I was applying for another store card with Synchrony bank for the exact same reason. To add, I have a XXXX score of XXXX, make XXXX a year and only have {$900.00} worth of bills monthly and that's a car and rent.

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 2024-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
TransUnion is notorious for not processing disputes. I spoke to XXXX XXXX a supervisor at TransUnion around XXXX XXXX XXXX  on XX/XX/2024 She refused to process my letters and or do a investigation pertaining to my case. 

I identify myself as XXXX XXXX XXXX XXXX the XXXX who send in my disputes again she refused to process it because she believed it was a credit repair company providing aid. 

This is against the law to deny me of a investigation. 


See documents below

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 2024-02-21 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: IL

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal 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 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: PA

Complaint narrative:
I wrote a check for fuel bill which was XXXX which was only cleared for XXXX there was enough to cover check I just received new fuel bill with added fees and additional XXXX added on bill I clearly remember community bank charging me in the past XXXX. A day fees to them which caused me much financial distress as I was hospitalized and had XXXX XXXX XXXX with valve replacement and the bank didnt want to hear any of it .i think its fair I get XXXX a day for there error no matter what Ive had several issues with the community banking system and it time they make it right

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: GA

Complaint narrative:
I did not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed 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 2024-02-21 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the 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 2024-02-21 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: GA

Complaint narrative:
I have disputed this same account XXXX  XXXX XXXX with EXPERIAN for awhile no to no resolve.I requested an investigation into XXXX  XXXX XXXX reporting to my credit report as a charge offf.EXPERIAN states the item was " verified '' .My next request was a " method of verification '' used to validate said account and I never received it. Iv'e sent EXPERIAN a plethora of letters to correct my credit report and they have failed to do so.To date EXPERIAN has continued to report incomplete, unverifiable and inaccurate information on my credit report which has caused me damages.XXXX  and XXXX have removed charge off account, yet EXPERIAN  is still reporting act.According to the IRS publication a charge off is considered ordinary income and income in not reported to a consumers ' credit report, Therefore the charge off should be DELETED immediately.

EXPERIAN has violated the following FCRA laws : 15 USC 1681 e ) b ) 15 USC 1681i ( a ) ( i ) ( a ) 15 USC 1681 b 145 USC 1681a ( 4 )

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 2024-02-21 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: IL

Complaint narrative:
The attached and enclosed inquiries were not authorized by me. If I must pursue further, I will be forced to file an FTC report. It is clearly a mistake and even a violation to attached unauthorized inquiries to my credit report. These must be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: FL

Complaint narrative:
Remove this fraud account from my credit report because I reach out numerous times that this account doesnt belong to me you report the information is verify by the creditor but when I ask the creditor for proof they dont have any proof I sign any papers or my identity this account is open fraudulent upstart network inc and I have the right to a fair and accurate credit report and this information and account is not fair and accurate 1681 permissible purpose they never receive any written consent from me to publish or report anything on my credit report they can not send any proof of that just some information that was open online by someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for CAPITAL ONE to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

CAPITAL ONE - XXXX Last XXXX digit SSN - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: FL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: WI

Complaint narrative:
Since I got this card I have been getting charged every month for XXXX monthly maintenance fees even when my cards are at a XXXX balance I still get it in the past they have credit me for fees to then charge me a higher interest and more fees accrued under the fair credit reporting act its fraud and illegal so I'm requesting all fees be paid back from date I got the card from fortiva .They also have never given a credit increase but when they offer it it came with a substantial charge for the credit increase also illegal practices again in good I request all maintenance fees be returned to me by check mailed from date of opening this account ... thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I ask the credit bureau to do a verification on my credit report and they did.They stated that it was accurate and I did a thorough research myself and found improper inaccuracies on my report after the verification. 

In accordance to the XXXX XXXX XXXX XXXX Account has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX states that I have the right to privacy. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  it also states a consumer agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: GA

Complaint narrative:
I ask the credit bureau to do a verification on my credit report and they did.They stated that it was accurate and I did a thorough research myself and found improper inaccuracies on my report after the verification. 

In accordance to the XXXX XXXX XXXX XXXX Account has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX states that I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX it also states a consumer 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 explanation
Consumer complaint received 2024-02-21 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
This company has been calling me for days all of a sudden back to back. They also contacted my father and lied to him saying they were attempting to deliver something to me. According to law, they are only to contact third parties to verify or get contact information. They have this and already know they have it, as theyve been calling me relentlessly and leaving voicemails! My name is in my voicemail greeting and it is impossible for them to think it could be anyone elses number! My name is rather unusual and it is clearly stated in the voicemail greeting. Theyve violated the law by contacting my father on XX/XX/2024 and I want them penalized for it!

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